LIFE SITUATION
*IRS filing single (Wisconsin)
*37 years old
*Never married, no kids
*Gross salary: $115,000
INVESTMENTS
*TSP contributions: 18,500 per year
*TSP breakdown: 6.4% G, 3.3% F, 30.4% C, 33% S, 26.8% I
*TSP total: 98,086
*Roth IRA contributions: 5,500 per year
*Roth IRA total: 8,820 (Vanguard)
TAXES
*FICA INC: 8936.88/year
*FICA: 6417.60/year
*STATE: 4510.80/year
*Net income: 95,000
EXPENSES
*Mortgage/taxes: 1,050
*Car note: 420
*Utilities: 140
*Water: 31
*Internet/TV: 60
*Cell: 45
*Insurance: 90
*Gas: 100
*Groceries: 225
*Dining out: 250
*Shopping: 150
Total: 2,661
PENSION
*Currently 8 years into a military pension. Projected income starting in 12 years is between 6,000-8,000 per month.
*Social Security: yes, but mentally only planning on 75% of what I'm supposed to actually get.
*Healthcare: no healthcare costs now; minimal costs in retirement.
ASSETS
*CDs: 2,000 in Penfed CDs
*Money Market: 6,717 (Vanguard)
*Checking account: 25,592
*Savings account: 8,156
LIABILITIES
*2016 Subaru Legacy. 1.9%, $15,400 remaining. 420/month.
*Mortgage: year 8 of a 30 year, 3.0% fixed rate. 1050/month. Principle remaining: 129,000.
NOTES: I finished my MBA in 2014, and had been paying ~25,000 per year out of pocket to pay that off by 2017. I'm in a serious relationship and we are looking at moving in together (renting for at least a year); in that case, I would rent my place out. I've been thinking of getting into real estate anyway and was hoping this would be a good introduction. She makes a bit less than me (95k/year) and has a less generous defined benefit pension. I think we are also both on the same page with having kids in the future (we both want two).
Obviously I'm a bit behind on retirement savings, but barring a large increase in my standard of living my monthly pension amount should cover my future expenses. After finishing off my student loans I have money accumulating; should I just start funneling that into a money market account? Any other suggestions for obvious things I'm missing?