A first post and an important one! I am the sole breadwinner and right now things are fine. SO and I will be retaking our first steps into the real world and want to do it right this time. First, a little background. We're both 24. I work in tech and hate every moment of it. SO can't work (disability). First time we tried, I was fired about a year into my first position because as far as I can tell, my boss just didn't like me. Took me about 4 months and all of my savings before I got a new job. We moved into her parents house to save up before moving out again. We definitely do not want to have this happen again and we want our freedom also. I will be using our current spending along with our projected spending when we move based on past data. Facepunching will be allowed!
Income:
$5000/mo for me (taxable)
$700/mo ssdi + ssi (untaxable)
$5,700 total
Expenses:
Car (gas, insurance, maintenance) $300
Public transportation $233 ($130 of it is pretax)
Hobbies $100
Entertainment (out with friends) $50
Internet $60
2 Cell Phones $150
Food $500 (face punched myself and figure we can do this for $300)
Netflix $8
Rent + Parking $1410 (likely $950 when we move)
Medicine $12
Electricity $75
$2898 (before we move it's really $700 or so) total
Assets:
$2400 taxable account (started with money I win at a corporate event)
$1890 ROTH (in vanguard funds)
$2500 savings (moving fund)
$6790 total
Liabilities:
No debt (2 rewards cards paid off each month)
Net worth:
$6790
Estimated FIRE: 2035
Some of this stuff is pre-MMM so face punch away. SO has SSDI and SSI which gives both Medicare and Medicaid. I plan on fixing up my bike and riding it to the station every day. SO on the other hand would need a tricycle due to balance issues. These happen to be expensive but probably worth it.
So the point of this is, what can I do to not have that happen to me after we move out again? Part of it is certainly spending less than we did (something like $3700/mo!!). But beyond that, what can we do to feel comfortable financially while still keeping on track or expediting FIRE?
As a quick note, I am currently enrolled in an HSA and am ineligible for 401k until October. Next year I can max out HSA, IRA, and 401k and still have $2400/mo to live on for the two of us. Bit nervous about doing this though because of what happened in the last job.