Search found 32 matches

by Just_For_Jenna
Sat Sep 23, 2017 11:03 am
Forum: Investing - Help with Personal Investments
Topic: $3.6 million at age 25 - need investment advice
Replies: 44
Views: 5360

Re: $3.6 million at age 25 - need investment advice

Congrats OP. Especially if you can stay out of crypto and take the advice in here. I agree 3 fund portfolio but I wouldn't be so conservative as some have said - I'd go 80/20. You're young. Speaking of young. If this were me, I'd take a year and travel the world. You don't need to spent a ton too. I...
by Just_For_Jenna
Fri Jun 23, 2017 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Tracking progress to $1M portfolio and no mortgage by 40
Replies: 59
Views: 13395

Re: Tracking progress to $1M portfolio and no mortgage by 40

Congrats on all the 30 somethings with such positive habits and goals. I would like to throw a couple of little reminders in the air. 1. Life is what happens to you when you're making other plans. 2. Certain things are worth doing while you and your family are young. Don't put off taking your 5 and...
by Just_For_Jenna
Fri Jun 23, 2017 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: Tracking progress to $1M portfolio and no mortgage by 40
Replies: 59
Views: 13395

Re: Tracking progress to $1M portfolio and no mortgage by 40

If it were me, I would want goals that are more under my control. So, for example, rather than setting a goal of "I want my portfolio to be worth X by year YYYY", I would have a goal of "I want contribute $xxxx in year YYYY to my portfolio". That is a goal that you can strive for. If the stock mark...
by Just_For_Jenna
Fri Jun 23, 2017 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Tracking progress to $1M portfolio and no mortgage by 40
Replies: 59
Views: 13395

Re: Tracking progress to $1M portfolio and no mortgage by 40

This is a very motivating thread, can people in tech sales tell me how do you get into that kinda job? I have had a late start in my career and right now looks like the only way to have that kinda portfolio is by having a high paying job, which will allow you to have a substantial savings each year...
by Just_For_Jenna
Fri Jun 23, 2017 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Tracking progress to $1M portfolio and no mortgage by 40
Replies: 59
Views: 13395

Re: Tracking progress to $1M portfolio and no mortgage by 40

I'm reading through this thread for the first time, and I am also very motivated by what I'm seeing. I'm 33 (wife 33), we have a 2.5 yr old and #2 on the way any day now. We also live in NJ, and currently have a NW over $1M (including home equity). My first goal, is to hit $1M NW WITHOUT home equit...
by Just_For_Jenna
Sun Jun 18, 2017 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Tracking progress to $1M portfolio and no mortgage by 40
Replies: 59
Views: 13395

Re: Tracking progress to $1M portfolio and no mortgage by 40

Good luck! It's nice to have goals. Also you have undertaken this work during a pretty powerful run up in equities so don't get discouraged if in a few years your portfolio hasn't moved much or is even worth less than it is today. Mileposts are nice but sometimes it's also helpful to focus on the p...
by Just_For_Jenna
Fri Jun 16, 2017 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Tracking progress to $1M portfolio and no mortgage by 40
Replies: 59
Views: 13395

Re: Tracking progress to $1M portfolio and no mortgage by 40

Mid-year update: 6-16-2017 •portfolio $518k (51.8% to goal) •mortgage 57.3% paid off So far seem to be on pace or even a bit ahead for the year. End of 2016 (age 33, wife 37) •portfolio $420k (42% to goal) •mortgage 50% paid off Goal for end of 2017 (I will be 34, wife 38) •portfolio $550k •mortgage...
by Just_For_Jenna
Sun Feb 26, 2017 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 574
Views: 150958

Re: Share your net worth progression

End of 2010 (age 27) $50k End of 2011 (age 28) $65k End of 2012 (age 29) $87k End of 2013 (age 30) $158k End of 2014 (age 31) $221k End of 2015 (age 32) $291k End of 2016 (age 33) $420k Today: 2-18-2017 (age 33) $450k Goal for end of 2017 (I will be 34) $550k Goal for end of 2018 (I will be 35) $700...
by Just_For_Jenna
Sun Feb 26, 2017 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Tracking progress to $1M portfolio and no mortgage by 40
Replies: 59
Views: 13395

Re: Tracking progress to $1M portfolio and no mortgage by 40

Great thread! My wife and I put that same goal together when we got married 10 years ago. I'm now 39 and she is 36. House paid off last year and $900k portfolio. We are on track! Similar situation, I'm in sales and we have always strived to live on my base salary. All those commission checks can re...
by Just_For_Jenna
Sun Feb 26, 2017 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Tracking progress to $1M portfolio and no mortgage by 40
Replies: 59
Views: 13395

Re: Tracking progress to $1M portfolio and no mortgage by 40

Can I ask why you have this as a goal? I'm curious because I had a similar goal and now that we've reached it, I find myself just upping the numbers. Also, something about having a lot of money tied up in retirement funds for me seems sort of anti-climatic. I don't mean to be a downer, you're doing...
by Just_For_Jenna
Mon Feb 20, 2017 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: Tracking progress to $1M portfolio and no mortgage by 40
Replies: 59
Views: 13395

Re: Tracking progress to $1M portfolio and no mortgage by 40

Nice, sounds like we got ourselves a little group with the same goal. Good luck all! It would be a strange thing to hit it, although knowing me I'll have already adjusted my goal to $2M Can't imagine no mortgage, especially since I pay about $2k addl principal per month. Money will grow so fast once...
by Just_For_Jenna
Sun Feb 19, 2017 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Tracking progress to $1M portfolio and no mortgage by 40
Replies: 59
Views: 13395

Re: Tracking progress to $1M portfolio and no mortgage by 40

That is very impressive! May I ask what is your profession and how much is your salary? And do you mind sharing your portfolio? Want to follow in your milestones. Tech Sales Salary $110k Variable $160k if on target, could be more, could be less (so far I've always exceeded goals) Total $270k+ (last...
by Just_For_Jenna
Sat Feb 18, 2017 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Tracking progress to $1M portfolio and no mortgage by 40
Replies: 59
Views: 13395

Re: Tracking progress to $1M portfolio and no mortgage by 40

Perhaps if there are any market dips or setbacks, my original goal would still be attainable (by 40). We will see. I'll try to update this over time.
by Just_For_Jenna
Sat Feb 18, 2017 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Tracking progress to $1M portfolio and no mortgage by 40
Replies: 59
Views: 13395

Re: Tracking progress to $1M portfolio and no mortgage by 40

How much of your portfolio growth has been due to new contributions and how much due to value appreciation - I ask because you had fairly steady growth from a dollar perspective the first few years with much larger growth last year. If that growth last year was due to increasing savings then that i...
by Just_For_Jenna
Sat Feb 18, 2017 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Tracking progress to $1M portfolio and no mortgage by 40
Replies: 59
Views: 13395

Re: Tracking progress to $1M portfolio and no mortgage by 40

Thankfully I found this site in my 20s so once I got over some "big" expenses like engagement ring, first home/moving, and the wedding/honeymoon I was on the right track from that point on.
by Just_For_Jenna
Sat Feb 18, 2017 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Tracking progress to $1M portfolio and no mortgage by 40
Replies: 59
Views: 13395

Tracking progress to $1M portfolio and no mortgage by 40

I've had a goal for the past 5 years or so to hit $1M in my portfolio and have the house completely paid off by the time I hit 40. I'm 33 now. I started tracking my assets and progress 5 years ago. At the current pace I should hit it early, so my new stretch goal is to reach it by the time my wife t...
by Just_For_Jenna
Wed Mar 30, 2016 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: Employee Stock Purchase Programs & Vesting Stock Options
Replies: 5
Views: 519

Re: Employee Stock Purchase Programs & Vesting Stock Options

Thanks everyone. Great start for researching. I appreciate the insight.
by Just_For_Jenna
Wed Mar 30, 2016 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: Employee Stock Purchase Programs & Vesting Stock Options
Replies: 5
Views: 519

Employee Stock Purchase Programs & Vesting Stock Options

Hi BH Community, I have two new programs that I'm entitled to that I need to start planning for and was looking for some general input. All of this is in addition to my financial plan which already includes maxing out 401k with match, backdoor Roths for my wife and I, taxable investing, paying down ...
by Just_For_Jenna
Sun May 03, 2015 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Checkup - 31 - Rebalance/AA
Replies: 14
Views: 1386

Re: Portfolio Checkup - 31 - Rebalance/AA

...., because I am almost fully maxed for the year on my 401k, so there won't be more contributions after May until next January. Do you lose any company matching by front-loading your 401K contributions (max out your contributions early in the calendar year)? Unfortunately my company doesn't post ...
by Just_For_Jenna
Sun May 03, 2015 10:18 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Checkup - 31 - Rebalance/AA
Replies: 14
Views: 1386

Re: Portfolio Checkup - 31 - Rebalance/AA

Thank you for everyone's input. I really appreciate it!
by Just_For_Jenna
Sat May 02, 2015 6:02 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Checkup - 31 - Rebalance/AA
Replies: 14
Views: 1386

Re: Portfolio Checkup - 31 - Rebalance/AA

Does anyone see issues with this as a possible rebalance plan? Taxable 11% Total US Stock Market Index Fund Admiral Shares (VTSAX) (0.05%) His 401k 30% Vanguard Total Bond Market Index Admiral Shares (VBTLX) (0.08%) (these essentially combining to create Total US Stock Market) 4% Vanguard Extended M...
by Just_For_Jenna
Sat May 02, 2015 5:29 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Checkup - 31 - Rebalance/AA
Replies: 14
Views: 1386

Re: Portfolio Checkup - 31 - Rebalance/AA

Where is the 529 plan held at? Please tell me it is not in the NJ Worst plan. I opened it at Vanguard. It lookalike it is just called "Vanguard 529 College Savings Plan" and I have it invested in "Vanguard Aggressive Age-Based Option: Aggressive Growth Portfolio". Should I chang...
by Just_For_Jenna
Fri May 01, 2015 1:37 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Checkup - 31 - Rebalance/AA
Replies: 14
Views: 1386

Re: Portfolio Checkup - 31 - Rebalance/AA

Where is the 529 plan held at? Please tell me it is not in the NJ Worst plan. I opened it at Vanguard. It looks like it is just called "Vanguard 529 College Savings Plan" and I have it invested in "Vanguard Aggressive Age-Based Option: Aggressive Growth Portfolio". Should I chan...
by Just_For_Jenna
Fri May 01, 2015 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Checkup - 31 - Rebalance/AA
Replies: 14
Views: 1386

Re: Portfolio Checkup - 31 - Rebalance/AA

If you can't refinance, I'd dump any taxable cash into paying off the mortgage. That's almost 5% guaranteed. 1) It looks like your best option for bonds is in His 401k. I would direct future contributions 100% into the total bond market until you get back into balance. If I remember correctly, Vang...
by Just_For_Jenna
Fri May 01, 2015 12:44 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Checkup - 31 - Rebalance/AA
Replies: 14
Views: 1386

Re: Portfolio Checkup - 31 - Rebalance/AA

Immediate thoughts: Mortgage rate seems high. What is original term on the mortgage and how much left in terms of years on it? A re-fi may save you quite a bit of money if you can get rate at least 1% below. Bump for the others to chime in. Great point. Original is a 30 year from 2010 when we purch...
by Just_For_Jenna
Fri May 01, 2015 10:29 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Checkup - 31 - Rebalance/AA
Replies: 14
Views: 1386

Portfolio Checkup - 31 - Rebalance/AA

Emergency funds: 9 Months of Expenses Debt: Mortgage $190k @ 4.875% Tax Filing Status: Married Filing Jointly Tax Rate: 28% Federal, 5.525% State State of Residence: NJ Age: 31 (him), 35 (her) Desired Asset allocation: 70% stocks / 30% bonds Desired International allocation: 30% of stocks Portfolio ...
by Just_For_Jenna
Mon Sep 30, 2013 8:02 am
Forum: Investing - Help with Personal Investments
Topic: First Post - Portfolio Help Please
Replies: 10
Views: 1531

Re: First Post - Portfolio Help Please

Thank you, Duckie. Your advice puts me on the right track. We will be handling her new 403b setup in the coming weeks and I will look into the points and questions you had. If there is a low expense bond option in her old 403b I will consider that and re-shuffle the rest. I will also look into the &...
by Just_For_Jenna
Sat Sep 28, 2013 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: First Post - Portfolio Help Please
Replies: 10
Views: 1531

Re: First Post - Portfolio Help Please

In your opening post you listed nine funds she holds in Her old 403b, none of them bond funds. There must be other options. Please find out what they are and list them (name, ticker symbol, expense ratio). I updated the original post with this info also, but here are the funds available in her (new...
by Just_For_Jenna
Sat Sep 21, 2013 9:03 am
Forum: Investing - Help with Personal Investments
Topic: First Post - Portfolio Help Please
Replies: 10
Views: 1531

Re: First Post - Portfolio Help Please

Duckie, Thank your all of your help so far. I had a brief conversation with AXA about her 403b yesterday afternoon. They said its as simple as doing a transfer from PA to NJ for the 403b and all funds will be the same, as well as expense ratios. We should be handling the transfer next week, if for s...
by Just_For_Jenna
Fri Sep 20, 2013 11:49 am
Forum: Investing - Help with Personal Investments
Topic: First Post - Portfolio Help Please
Replies: 10
Views: 1531

Re: First Post - Portfolio Help Please

I have a few follow up questions/comments. I can convert the SEP IRA to my ROTH IRA. I spoke with Vanguard. Here are my concerns: -I will be taxed this year for the conversion. Should I be doing this now if I’m not absolutely sure that I will even need my IRA space clear for a backdoor ROTH this yea...
by Just_For_Jenna
Wed Sep 18, 2013 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: First Post - Portfolio Help Please
Replies: 10
Views: 1531

Re: First Post - Portfolio Help Please

Just_For_Jenna , I have some ideas but I need more information and have some comments: ⋅ Is "His SEP IRA" from current employment? Could you convert this to a Roth IRA or roll it into "His 401k" (bad though it is)? If you're near the Roth IRA contribution limits, havin...
by Just_For_Jenna
Wed Sep 18, 2013 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: First Post - Portfolio Help Please
Replies: 10
Views: 1531

First Post - Portfolio Help Please

This is my first BH post, but I have already learned a great deal just by lurking the past year or two. I want to thank anyone in advance that takes the time to read and respond. First, I’ll start off with our financial summary, and then some questions at the bottom. The major goal is to simplify ou...