GO FOR IT
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+2k for 9.5k/21k. No extra bc I was spendy this month. 
Also we have $$$ car SERVICE happening so may take a hit this month… But also I’m getting overtime and 3 paychecks are coming in July!
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I got some surprise child support and made an extra payment to student loans. SL = $14,444.11 + 401K = $1,000 Total = $15,444.11.
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June 2021 Checkin
Income (Post-Tax): $3,562.65
- Day Job #1 after 401K: $1,735.42
- Oh My Dollar: $262.88
- Bank Interest + Misc: $5.15
Total Pre-Tax Income All Sources (including employer 401K cont): $4,885.86
Total June Savings: $2,888.87
- Cash Savings: $626.54
- Traditional 401K: $1,927.83
- SEP IRA: $200.00
- Employer Cont: $134.50
Pre Tax Percentage: 59.13%
YTD Cash: $8,280.83
YTD Retirement: $8,608.15
YTD Total: $16,888.99
(80% of the goal at 50% of the way through the year)
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We saved nothing (in cash) this month! Still at 9.5/21k.
But we got a car serviced and booked lodging for 11 people for a week 
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Dammmn good job!
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June Update
January = $619.36
February = $1,893.88
March = $6,225.04
April = $896.02
May = $2,531.83
June = $3,347.36
Total SL = $15,513.49
Plus 401K = $1,200
Total for 2021 = $16,713.49
79% of the way there with 50% of the year left. Safe to say I will make it. Can’t wait for all those dollars to start going to my investments and not Student Loan payments.
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June Check in
Extra super - $1025.76 (total - $4254.12)
Investments - $2000 (total $8000)
Extra Mortgage Payments - $1578 (total $9325)
Total savings for the year - $21579.12, so about 78% of the way to the goal ($27620)
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June: $11,080
Still just running ahead. I thought I was going to have an extra $1k saved this month but had a spending spree on stuff to make life easier, Ponder bought me a fancy art print for my birthday and we also paid 5 weeks of daycare instead of the normal 4. Next month we’re entirely down to one (admittedly, large) income.
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June Check-in. I moved money around a little and sold off shares from the Vanguard account to pay off my TSP loan. Since it was paying money back to myself, it had a 2x impact on my net worth and savings goals.
| June | Total | |
|---|---|---|
| Mortgage Principle | $766 | $2,723 |
| TSP | $17,971 | $23,210 |
| 529 Account | $600 | $2,700 |
| Roth IRA | $0 | $0 |
| Vanguard Taxable | -$17,000 | -$17,000 |
| House DP Fund | $1,608 | $6,397 |
| Total | $3,944.75 | $18,029.69 |
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Weird employer withholding tricks
Well, turns out that since I last worked a summer in 2019, my place has started doing the scheduled withholding for 403B and 457K accounts for full-time employees in the summer (maybe part-time, too, but don’t know as Husband is not working for the college this summer but for an academic camp). They didn’t tell anybody about this change, and apparently I’m the first to notice…
Weird tax/social security tricks, plus bonus weird withholding
HOWEVER, also against all expectations, Husband had taxes withheld (this is great! as it may mean I don’t have to futz around with any self-employment taxes at all for the first time this millennium) and a percentage into the shitty fake pension that he’s technically not eligible for since he’s vested in the real state pension. This is because, even though he was told he’d get a “stipend” for the camp and had to fill out 1099 paperwork, they are nevertheless treating him as an employee? for reasons? It’s also a state government entity (like the college), so I’m guessing they just carry that over. Who the hell knows. Anyway.
So, against all expectations, we have savings other than my mandatory pension bit:
My June withholding
- Pension: $204.00
- HSA: nada (why not this in summer but everything else, you ask? My only conjecture is bureaucracy.)
- 457B: $1,800.00
His June withholding
Terrible* part-timer’s mandatory pension deal: $187.51
Updated totals
Jan withholding: $2,798.25
Feb withholding: $2,798.25
March withholding: $3,630.75
Roth IRA (hers): $7,000.00
Roth IRA (his): $7,000.00
April withholding: $3630.75
May withholding: $3,630.75
June withholding: $2,191.51
Total: $32,680.26
But wait! Federal bureaucracy sucks too
*I’ve realized we really don’t want them putting any money in the real pension from these part-time jobs where the state doesn’t contribute to Social Security as his vested pension is all from jobs that did pay in. If any of this money went in, I think the whole thing would then be subject to the Windfall Elimination Provision. So we’ll keep our heads down on that…
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Okay, crazy month here. 
Therefore only 500€ added and I am now on 11.580€
Nevertheless, I am confident to make the goal.
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June check in, a few days late:
Mortgage Principal: 1488.38 (This includes a July payment, since I didn’t mark the mortgage balance on the 1st)
Pension Contributions: 758.69
No TFSA contributions this month, since we just completed a bathroom remodel instead
Total Savings in June: 2247.07
Year to date Savings: 24,969.86
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Lol lol lol my last checkin was in early February before I ragequit my job. Numbers shown here are year to date and now include Husband’s savings.
Mortgage principal: $4,168.19
Husband 401k: $13,898.87
Husband Roth IRA: $6,000
My 457 plan: $10,400
Mandatory employee contribution: $652.09
Employer contribution: $1,867.19
My Roth IRA: $750
My brokerage: $1,500
Total savings year to date: $39,236.34
93.42% of the way to 42k, 55.07% of the way through the year.
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I mean, cutting it close, not sure you’ll get there by December … 
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Sometimes I forget just how easy we have it right now. Even with me not working and not really bringing in money for the past few months, we have still saved this much. It’s a good reminder when I start getting too in my head about our expenses and whether or not I need to go find work, that we have this much slack in our budget.
Is there something easier than Easy Mode? I think I’m in that.
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You’re cruisin’ 
Meanwhile I’m in a slight panic because my YNAB says we’re saving $3k this month but I’m sure we were only supposed to save $1.5k so what happened to the other $1.5k???
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I’m zero help there. YNAB has never made sense to me. I’m glad other people get it and the idea seems sound, but I get in there and I’m all a mess.
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You just made me realize we could shoot for $42k since there are two of us! Going to do that. Also thinking of maxing 2021 Roths on this dip- that would do it…
Weird as I make just under $60k and he works part time. But stimulus money.
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1000% same
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