29y/o single, no children
Income: Registered Nurse at hospital(only income) gross- 4k/mn; 48k/yr. net-1791.12/mn; 21493.44/yr
PRE-TAX: 403b contribution 1480/mn; health insurance 108.58/mn(is a hdhp but not hsa eligible d/t hra and fsa)
AFTER TAX- fed 361.72 mdstate 72.34 mc 34.96 ss 101.28 unitedway 50
Current Expenses monthly
House upkeep: trash/recycling 21.85
heating fuel/cooking 350
sewer/water(flat rate) electric 300
home insurance 62
property taxes 133.35
total: 867.20
Car: insurance 118.35(full coverage, 1 accident, 1 speeding ticket)
gas 60
total: 178.35
Entertainment: cell phone with Ting 30
hulu/netflix/amazon 24.23
comcast internet 59.99
total: 114.22
Food/vitamins/protein powder 130
dog food 37.35
gym membership 34.95 (ends in may and I wont renew!gets used 4-5days/wk with 3 of them twice a day)
nursing liability insurance/ professional associations 30
Total Monthly Expenses: 1392.07
net pay 1791.12- 1392.07 = 399.05 saving/mn
Assets: Own my house- approx worth 147K
own 2010 Toyota Prius free and clean- bought used this month for 9450 after selling my 2014 subaru crosstrek for 23500
403b 4500- just started contributing at the end of 2014
roth IRA 1k- vanguard
Trad IRA 10k- started this year- vanguard
approx 70k in savings. looking for the right place to invest- vanguard?
will receive 10k once my mothers estate is closed- next month
Total:161041
Currently have no credit card debt because I pay those bad boys off in full every month. Paid off last college loan last month. No car payment or house mortgage/rent.
I will be going back to school for my BSN in Aug 2015 and to complete the degree it will cost about 12k.
Also making renovations to my house. Our max budget is 20k between by brother and myself (he is 50%owner of the house) every room in the house needs some work. I plan to do as much of the projects myself with guidance from friends and family with know how.
This year will not be my optimum saving year because I am going on multiple trips throughout the year which have already been paid for prior to me implementing my mustache growing plan. When I turn 30 in October it'll be buckle down time.
I travel 46miles round trip to work 3 days/wk (12.5hr shifts) I think with the new prius my travel expenses will be greatly decreased. Moving closer to work right now isnt something Im ready to do. Once the house is renovated and Im either able to sell it or rent it out then ill move closer to work or Ill have the experience needed in the ICU to become a travel nurse.
I'm looking to be FI/retire in about 10yrs. I know I need to invest the money I have sitting in savings, just investigating the right options. Any suggestions would be helpful. These are the funds from vanguard Im looking at right now: VASGX, VGSLZ, VTSMX, VGTSX, VBIAX, and the energy, health sector funds.
Id also like to know what else I can do increase my money for retirement.
Thank you for any help you can give me. This stuff is fun!