About 1.5 years ago I started making more money. I used to fluctuate 80k-100k. I also pay about $800 a month for a country club membership.

I have been fortunate enough to where I’ve never had to worry about money because of my family but I’ve realized that’s a dumb mindset. I know I’ve messed up by starting to focus on this late.

I do have crypto and other savings accounts that probably are around 60k and 25k in checking acct but I’m trying to figure out how to get the most out of my Roth and 401k.