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so close: LivingAlmostLarge's Personal Finance Blog
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so close

December 5th, 2019 at 05:16 pm

$996,205 is our combined retirement balance. So close yet so far. UGH. Ha I guess we'll hit the magic $1 million in January. I'll do a max out Roth IRA and then we'll be over. It's been a good year. Our retirement started out at $789,426 and it's grown $200k. Yes a big chunk was savings but also a big chunk was growth.

The plan seems to be firming up that we are going to stay put until DK2 is launched and finished with college in 2034. That means 14 more years? Considering how fast these years have gone I imagine these next 14 years will pass by in a blink of an eye. After all I think I found this site 14 years ago and a lot has changed.

Does it scare me? Yes absolutely. It seems surreal. They numbers on the page are real but it doesn't seem like it should be. I always wondered how did people amass so much money. It always seemed unreal The answer? One day at a time. Honestly. Keep on trucking and suddenly at 40 life is a lot easier.

At least for us we had a lot of big bills and lower salaries earlier in our 20s and 30s that made it really hard to save and see a difference. We lived frugally like college students because of our extended college educations and minimal salary. But things began to change in 2010 and then by 2015 we had really started to ramp up earning power. And suddenly here we are almost 5 years later even more so.

I will say however right now i'm crunching our numbers and I'm still tempted to buy a bigger home. I don't know though.

12 Responses to “so close”

  1. Butterscotch Says:

    What does “launched” mean for your DK2?

  2. LivingAlmostLarge Says:

    Finished with college for DK2. She'll graduate in 2030 from high school. DK1 will be in college and finishing by 2032.

    Okay I say we won't pay for graduate/professional school or help with a car or home but I think we might.

  3. Petunia 100 Says:

    Super close. Any minute now. Smile

  4. mumof2 Says:

    wow so close that is amazing...congrats...you will be there in no time..imagine how far you will be in the next 14 years...

  5. Lucky Robin Says:

    Wow. That'll be something.

  6. crazyliblady Says:

    Why do you want to buy a bigger house when your kids will not be there very long?

  7. rob62521 Says:

    Wow, you've done well! Congrats. And you discovered the secret to large amounts of money...you do it the old fashioned way, you save it!

  8. LivingAlmostLarge Says:

    With the addition I would like to add on an extra bedroom/room. We have 2050 sq ft and I think an add on 200 sq ft. Or perhaps buy a house in general bigger around 2500-3000 sq ft. So I'd like the extra space for another 15 years.

  9. LivingAlmostLarge Says:

    We broke it. $1,045,318 for all retirement accounts. Goal accomplished this year.

  10. terri77 Says:

    Congrats!!!

  11. Dido Says:

    Congrats! Yes, the year-end dividends and capital gain distributions are coming in from mid-December through the end of the month so you will probably see even more gains as long as there isn't a market drop.

  12. LivingAlmostLarge Says:

    that's true hadn't even considered.

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