I would start an account with mint, and as you purchase things on amazon, go in and allocate them to the correct category. Ie you buy a bottle of vitamins, the charge appears on amazon as "shopping"--go in and set the category instead to "health" or whatever you deem fits it best. You buy a new shirt, same thing, allocate it from "shopping" into "clothing". You can also go back in time as you remember and categorize these charges more accurately if you wish, but that seems like a waste of time to me, too much digging for receipts, meh. Just keep track going forward. You have a general idea of your spending at this point, going back in time is useful to determine your historical spending but not necessary.
Right now, with your new numbers, your take home pay is 9k+(.04*9k match) - 1026 taxes - 651 FICA - 124 ins = $7559
Your savings rate is $7559 - $2,660 expenses /7559 = 64%
64% is pretty good, but that means you are spending 36% of your income on things that are NOT a mortgage, which should be the biggest chunk of your expenses. But you don't pay for those, which means if you are wanting to prioritize FIRE, you are burning money, but you know that. If you had to pay for half the mortgage, your savings rate would probably go down to 30% or so, so I wouldn't consider the 64% savings rate to be a marker of savings health. Don't get me wrong, you are miles ahead of 99% of the population, but you can definitely streamline even more. With your high income, this is definitely possible.
Honestly, here's my ideal goal budget for you, but take it with a grain of salt because I don't know the COL of your area. I would do more research into all the bills you have and make sure there is an equitable share between you and DH over who is paying for what. Sounds like he is taking primary responsibility over most household bills, but you should still learn what those bills are and how much they are.
NEEDS:
mortgage: $0?
grocery: $180, you're already doing pretty good for one person
health (doctor, prescriptions): $100
travel: $400
utilities (for one house or all rentals? just electricity or is this combining a few bills? seems high currently, our electricity bill is $100 total): $217
gas: $50
phone bill (ting or google fi): $25
entertainment (hulu/netflix): $35
your share of internet bill: $30-40 (there are cheap plans out there)
car ins (shop around for a good rate): $50-60
personal care (clothing, hair, etc): $150, I'm giving you a good buffer but I personally spend less than $25 per month
cat supplies: $20
household supplies: $50
work supplies (what is this work cafe? can you work from home instead?): $20
Necessary total: $1347
WANTS:
restaurants: $100
bar/alcohol: $50
gifts: $125
gym (you can do home workouts if you were desperate so I categorize this as a want): $10
fees: $0
TOTAL expenses: $1632, or $19.5k per year
This is quite generous--as I mentioned above, $1300-1400 is about what my DH and I would pay separately for our expenses, which includes housing. This new goal budget is well over that, but doesn't include what would be the biggest budget line item, but YMMV :)
With the goal budget above, you now have a savings rate of $7559 - 1632 / 7559 =
78%. Learning to live on this new budget, with your take home income of ($7559*12 = $90700) and with your current assets of $220k,
you can retire in 3.2 years.https://networthify.com/calculator/earlyretirement?income=90700&initialBalance=220000&expenses=20000&annualPct=5&withdrawalRate=4However with your
current rate of spending, you won't be financially independent until 7.5 years from now.
