A Loose 5 Year Plan

The whole “being pregnant” and going into “nesting” mode is real. I’ve been spending way too many hours scouring Redfin and Zillow despite knowing that I can’t afford a home here, other than maybe a 1 bed, 1 bath in a really bad part of the bad part of town.

So. I’m trying to focus my energy on longer-term, more realistic goals, while also ensuring that I keep my job in order to hit them.

2018

  • Age: I turn 35(!)
  • Networth: Close out the year at $645k-$650k
  • Housing: Live in 1 bedroom / 1 bath apartment (50% = $14.1k yr)
  • 401k: invest $22.5k
  • Stocks: invest $30k 
  • Baby #1: born, 0 – 5 mo
  • Baby #2: not born yet

2019

  • Age: turn 36
  • Networth: Close out the year at $785k-$800k
  • Housing: Live in 1 bedroom / 1 bath apartment (50% = $14.1k yr)
  • 401k: invest $22.5k
  • Stocks: invest $30k 
  • Baby #1: 5 mo > 1 yr 5 months
  • Baby #2: not born yet / possibly pregnant w/ baby #2

2020

  • Age: turn 37
  • Networth: Close out the year at $935k-$950k
  • Housing: Live in 1 bedroom / 1 bath apartment (50% = $14.1k yr)
  • 401k: invest $22.5k
  • Stocks: invest $30k 
  • Baby #1: 1 yr 5 months > 2 yr 5 months
  • Baby #2: pregnant w/ baby #2 (?)

2021

  • Age: turn 38
  • Networth: Close out the year at $1M+
  • Downpayment of $250k-$300k ( ~my half = $150k)
  • Housing: Move into 3br / 2ba apt OR house
  • 401k: invest $22.5k
  • Stocks: invest $30k 
  • Baby #1: 1 yr 5 months > 2 yr 5 months
  • Baby #2: 0 – 1 yr

2021

  • Age: turn 39
  • Networth: Close out the year at ~$1.25M+
  • Housing: live in 3br/2ba house
  • 401k: invest $22.5k
  • Stocks: invest $30k 
  • Baby #1: 2 yr 5 months > 3 yr 5 months
  • Baby #2: 1 yr  > 2 yrs
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