41M (married so combined)
Roth IRA $2000
32 M single
no stock or 401k or any of that
Savings: 6.2k, ESOP: About 2k in stock/cash
Fico: 644 (as of last month, decreased CC utilization by about 11%, so waiting for an update)
Debt: Student Loans, a lot (and still won't graduate until next year) :/
Savings goal by EoY: 8.5k (hopefully I can land an internship this summer, if so, I'll update this goal).
Fico goal by EoY: The only thing hurting me is utilization, so I'll put it at 700.
House is paid for in full, car is paid for in full (but will be financing later this year new one) cash on hand $25K , all credit cards paid in full each month
A lot of times its not how much you make but how much you spend that determines savings. As i said before dw and I own a small business. Our over head is as low as possible. We have watched many competing firms come and go. Right now within 50 miles of us I know 4 firms about to go out of business. Each time one folds we take over their clients.
FICO: 647 EQ
Savings goal for 2017: $9k (while I help DH pay off his debts)
Savings goal for 2018: $24k
FICO goal for 2017: 690
85k. 401k opened 4 1/2 years ago.
3k. 529 plan for 2 year old.
Fico 640 ( up from 529 in two months)
1900. Credit card debt in 12 months 0 percent deal.
I am am putting in with company match 20k a year into 401k. and 2k a year into 529 plan. Trying to increase saving account money. Opened second savings account for long term savings as tend to use primary for vacations.
30yo wife is 30 as well
220k Savings from a few good years we'll never touch it, not even to pay down debts, emergency / retirement money only!
28k debt, was 64K last month
621 EQ Fico (580 last month, still waiting on util to update)
Mortgage 1675/mo - cars paid off - CC's paid down monthlybut rarely in full
House paid 185k invested 100k current appraisal 450k realistic listing price 495k
That being said, I don't mind paying the mortgage every month
If anything, I think my AT&T bill will be the cause of us going broke...