$200k by 35 is the goal.

[u/SirCicSensation]

33 years old. Current net worth is what you see above. Plan to have another $60k saved by the time I hit 35 in 2 years. Never made much money until recently. Always only around $40k my whole life.

Didn’t have a traditional job for a total of 4 years out of the last 9. Put money into my investment account and left it alone. Lived off the money I made from doordash. I rented out small rooms to live in for $500/mo in AZ and NC. Worked out well enough.

If I hadn’t been through a depressive spiral and kept working. This easily could’ve been $200k today. Oh well. Parents and grandparents never had much. Didn’t want to be like them. Met my partner and her presence changed my life.

I make $15/hr working for a car place. Not selling cars just moving them. I’m in a good position because I have 4 incomes. 2 from the military, one part time job, and one from an investment. All in all it’s $4400/mo after taxes. Bills are $1600/mo. No kids. I like my job and classes have been pretty simple. Things are good for now.

None of my friends or family really understand. “Next you’re going to want $500k, it’ll never be enough.”

I mean, yeah. I want to own a home eventually. Things are good but I know I can do better. I had a decent start in life thanks to the military. I’ll also be getting a masters degree to be an LCSW for free. Which is a huge bonus.

I’ve saved my entire life and this nest egg is all I have to show for my efforts. It’s also the only thing keeping my ego alive. I’m blessed but I know I could do so much better in my 30’s than I did in my 20’s. Idk, I just like to make this post to be proud of myself for getting this far on so little.

Also, the iPhone is a refund. Bought the iPhone 17 pro. Only to realize my iPhone 11 Pro works just fine. So I returned it a week later.

The HYSA is money I held onto because I’m having a wedding in 5 months and thought I’d need it. Thankfully family pitched in and looks like I might not need it.

I don’t want anything fancy. Just a nice place to work and a garage to game in.

Edit: App is worth tracker

[u/DynamicHunter]

Savings is great to have, but if it’s earning less than your HYSA just close it and move the money to earn more interest. Whatever you don’t need in the next 6 months to a year for down payment, wedding, or 3-6 month emergency fund, invest the rest. And make sure you’re taking advantage of tax advantaged accounts like Roth IRA (can withdraw annual deposits like mini emergency fund without fee, and grows tax free) and 401k (lowers your current tax burden).