Thanks, Kate! I'll definitely keep going. I can't wait to see that $20k sitting in my account!
I'm learning a very painful and valuable lesson this week. Our neighborhood has been considering some assessments for improvements. We've known about it most of the year, but I didn't really think it would happen, so I didn't save up for it. Now it looks like it will happen and we'll have to pay by the end of October. $3350.
I'm letting myself wallow in despair for a few days and then I'll move on with life. I can either ransack my e-fund or borrow it from our daughter's savings and pay her back a couple hundred per paycheck. It all comes from the same place, but I'm leaning toward borrowing it from her savings just to save myself the anguish of using up over 1/3 of my e-fund, even if it is just a mental trick I attempt to play on myself.
Between this and the car purchase, the past month has me stressed. I keep telling myself that we spent a decade entrenched in lifestyle inflation and spending almost everything extra we made, so it's going to take some time to fix that. I still think by the time I'm 40 (4.5 years away), I'll have mostly corrected the decade of overspending. In the meantime, I have to focus on long-term progress and not get so worked up about little roadblocks. I have a plan and I will succeed!