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@ladydenise226 I currently have just shy of $20K in pension accounts. I plan to replace my 2010 Prius with another Prius or maybe a RAV4 in the $10K-20K range, preferably in cash as I have no interest in a monthly car payment.

Diagram is of my current annual budget. I am a 44-year old electrical apprentice, currently making just shy of $30/hour in a HCOL city. All of my medical benefits and retirement are paid by my employer. I value good food and travel, so those budget categories skew high. I lost all of my...