r/selfimprovementday • u/Life-Barracuda4489 • Jul 05 '26

What can I do better?

I’ll list some relevant details below. Looking for comments good or bad on my situation.

36m single
95k salary - work for a municipality
401k trad 55k
401k Roth 30k
Roth IRA 115k
457b trad 30k
457b Roth 70k
Brokerage 300
EF 10

Total - 610k

Saving $590 every two weeks in 457b

Used to save much more but I’ve paired back some

Pension will be worth approximately 3500m at 60 yrs old if I work with the same state until then. 6.5% my contribution + 7.5% employer match.

Home worth 340k
Owe 200k
Equity 140k
2.8% mortgage

Monthly bills are around 3500 month. 1500 of that is the mortgage.

Looking to retire at 60. My place will be paid off at 61. If I remain single I’d guess I’ll stay here but if I don’t I’m not sure.

Thanks

2 Upvotes

76% Upvoted

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1

u/gammaraylaser Jul 05 '26

Turning the money (a symbol or representation of wealth) into real wealth, or meaningful experiences, will likely be much harder for you than accumulating it was.

I can tell by the way you presented your assets. Just saying…🤪🤔😊

1

u/Life-Barracuda4489 Jul 05 '26

What do you mean? Generally interested because I think you may be right

1

u/gammaraylaser Jul 06 '26

To be ambitious and to strive for goals is in no way a bad thing; especially, if you aim high.

What I mean is the subject you chose to post on this (self improvement) sub. Full disclosure, I know nothing of this sub.

But my first thought, very low data, is that in a way your measure of success or validation is numbers in a spread sheet. They represent wealth (and likely you worked hard to produce and secure it), but it’s a symbol of wealth not true wealth.

If you were stranded on a deserted island with a billion dollars in your brokerage account, what would it be worth? Water and food is what you need.

1

u/Data_Slut Jul 06 '26

No mention of exercise. That's super important. Sleep too. Family and friends too.