Found this community and idea a little late in the game and I've made a lot of mistakes along the way. I'm trying to make up for these. Here is my situation:
39 single, no kids
$2600 a month take home salary
Half of insurance is paid $250 a month
Cell phone paid
Able to live on site rent and utility free
3%match on a simple ira
Bills (Monthly)
$55 internet
$89 renters, car and umbrella insurance
$525 car payment (5 years left)
$250 health insurance
Bills (Annually)
$450 license plates
$300 gym membership
Savings (Monthly)
$114 Simple IRA (company match)
$458 Roth IRA
$300 Betterment
$250 HY Saving Account (2.20)
This leaves $675 for all other expenses.
Savings so far:
$60,000 in an old 401k
$33,000 Roth IRA
17,000 Simple IRA
$1500 Betterment
$1600 HY Savings
$5000 in checking (not really savings)
Also, when I retire my expenses will grow quite a bit (housing, cell phone, health insurance), so I have no idea how to really set a goal number for retirement.
Any thoughts? Thanks for reading.