Been a while!
I know this is a wonderful problem to have, but we're moving into a phase (probably temporary since we plan on having kids) where we are making more money than we know what to do with. For lack of a better strategy, I have just been throwing money at retirement accounts and I sure hope we get close to maxing out the IRAs and my 401k this year. I am a little annoyed by the cost of my 401k. My other goal is to consolidate our stranded 401ks from former jobs.
I just got a new job at my current employer, which came with a 10% bump in my income (and more importantly, the chance to build some highly in-demand skills). My husband went on Obamacare, saving us $400 a month, and has been making $60 an hour since last May (we anticipate this will go down at some point). We haven't seen any of those changes yet in our monthly balance sheet.
Some expenses have gone up. I hired a career coach for $1200, which helped me get the job and build some skills that will lead to more lucrative jobs down the road. This is a one time thing, at least. I also have been working so hard on my weight loss (see: want to have kids) and spend $220 a month on personal training. However, I am in the running to win a weight loss contest at the gym that will get me some free sessions.
I have lost exactly 50lbs in the last 12 months.
Anyway, here is where we stand:
$10,000 - savings account
$4,500 - IRA
$20,000 - 401k
$10,000 - old 401k
$14,000 - old 401k
$190,600 - mortgage
It's pretty nice to look back on where we were in 9/12. I wish we made more progress but I'm proud of what we have done and am motivated to do more.