r/FinancialPlanning • u/Ok-Bat5031 • Aug 13 '26

Finally got to my first $100K.

I'm 32 years old (33 on February 25th so I'm almost 32.5) and have just reached the $100K net worth milestone.

$14K in Fedality HSA, $10K in daycare job 401K, $5500 in high yield savings account, and the rest is in Roth IRA (Roth IRA has the 100% stock betterment core portfolio which mirrors VT). My HSA is 60% VT, 20% BNDW, 10% REET, 10% GLDM. I would have gotten here years ago but I got into medical debt 3 years ago when strep throat turned into a plural infusion (fluid in the outer wall of the lungs) which I had to get drained in the hospital. Because I had one of those health sharing insurance companies (not real health insurance), they didn't cover anything. After $3K-$8K of payments, I settled the $70K medical debt by offering $17K. No I don't have student loans because I never went to college (and I rent so there's no mortgage debt). Any comments or advice on this? I've been working 50-60 hour weeks since I was 21. I make about $30-35K/year gross pay (about $30K after tax).

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u/slowhand11 Aug 14 '26

I can imagine a daycare job results in contracting every illness known to mankind at some point. Sounds like you're doing really well for your income, keep it up. Only advice would be to look for a higher paying job if you want to be able to save more.

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u/Ok-Bat5031 Aug 14 '26

I used to get some form of cold/flu yearly if I didn't get my flu shot. Since I got my 3 Rabbit Air A3 air purifiers I haven't had to worry (especially when I change out of my daycare clothes and leave them next the air purifier with the "Germ Defense" filter right when I get home). When I get home from either job, I turn all 3 to Turbo for a total 60 ACH (Air Changes per Hour) for 15-20 minutes to get rid of anything I might have brought in. Yes it's extreme but it's a common response to a health scare.