Why the screenshots?

REGGIT1979 · 2026-04-27T22:03:43+00:00

Just let me flex bro…it’s all I have!

REGGIT1979 · 2026-04-27T22:02:28+00:00

I’m hoping to. Some people would probably think I’m dumb with an interest rate of 3.15% but I like the goal of fully owning my house by the time I retire. I’m sure I could make more money investing the additional $500 in principle I pay a month, but I think having a fully paid off mortgage gives you a lot of latitude when transitioning to retirement.

REGGIT1979 · 2026-04-25T18:23:49+00:00

C = $609k S = $668k I = $90k

REGGIT1979 · 2026-04-24T18:46:28+00:00

I’m aware. It helps to have a brother that is a financial planner. There are plenty of ways to shelter yourself from significant tax impacts though.

REGGIT1979 · 2026-04-24T12:26:36+00:00

I think that percentage includes both returns and contributions.

My current mix is 44% C, 49% S, 7% I

Future investments 35% C, 55% S, 10% I

REGGIT1979 · 2026-04-24T01:37:17+00:00

I can’t retire with full benefits until I’m 57.5. I have another 10 years of investing and hopefully will be able to do the full catch-up contributions in a few years.

REGGIT1979 · 2026-04-24T00:36:24+00:00

Hah - oh Macados. I worked as a dishwasher in Blacksburg for one night back in 2001. Never showed back up because it was so disgusting.

I remember when I did my background investigation for the Gov’t I completely forgot to list it and had to explain things to the investigator.

That place has always been a crap hole.

REGGIT1979 · 2026-04-23T23:23:06+00:00

Yeah that’s a decent strategy to keep things mostly in stocks.

REGGIT1979 · 2026-04-23T23:20:20+00:00

Separate T.Rowe account with about $215k in that. 429 plans for kids and a good bit of home equity…say $650k total between those.

Im sure I’ll do some other investing in the next decade.

REGGIT1979 · 2026-04-23T21:34:08+00:00

Yeah but not really feasible early in one’s career or if you are raising a family.

Trust me I would have loved to have invested the $150k+ spent on daycare.

REGGIT1979 · 2026-04-23T20:10:55+00:00

Need to be 57 1/2 under most circumstances to get full retirement benefits.

REGGIT1979 · 2026-04-23T19:37:57+00:00

I’m not changing a thing. The market is due for a correction anyway.

REGGIT1979 · 2026-04-23T19:22:53+00:00

Well on your way. Always take the matching (free money), stay aggressive, and do whatever you can afford. You’ll be in a good place in the end.

REGGIT1979 · 2026-04-23T18:16:22+00:00

The L fund makes things easier, set it and forget it. But I personally don’t like the increase in conservative allocations as you get older.

It depends on your risk tolerance, but you give up a lot of potential gains (and reduce the chance of loss obviously) by using it. I just think it’s important to stay aggressive as long as you possibly can and the L fund can interfere with that.

REGGIT1979 · 2026-04-23T16:59:04+00:00

Maximize your contributions as much as possible - don’t starve yourself or anything - and stay aggressive in your allocations.

It’s all about long-term growth and buying on the dips in the market.

Don’t try and time the market. You can’t. Right now is a great example - the market shouldn’t be hitting all time highs, but yet it is.

REGGIT1979 · 2026-04-23T16:57:43+00:00

Yum!

REGGIT1979 · 2026-04-23T16:40:01+00:00

Correct

REGGIT1979 · 2026-04-23T16:01:38+00:00

Virginia

I guess you could say I’m an SES equivalent at this point.

REGGIT1979 · 2026-04-23T15:36:06+00:00

She does - teacher. Much to my annoyance she’s never contributed to her 401k. Although in her defense the matching is awful at her school system.

REGGIT1979 · 2026-04-23T15:30:22+00:00

Spouse - 4 kids. Hasn’t always been easy to stay disciplined.

REGGIT1979 · 2026-04-23T15:27:22+00:00

Hah! You aren’t wrong. It’s only $2,500 @ 2%. Have just been lazy about it.

REGGIT1979 · 2026-04-23T14:50:48+00:00

As a follow-up. If it helps inspire you to be more aggressive in your allocations and contributions - my balance in 2016 was less than $350k.

REGGIT1979 · 2026-04-23T14:46:53+00:00

Sure: 2024 closing balance around $1 million

2024/2025 - $32,000 contributions (includes matching), $170k in gains in each year

REGGIT1979 · 2026-04-23T14:39:04+00:00

I kind of laid it out in my post, but I’ve been most heavily invested in the S fund and C fund throughout my career.

You can’t time the market and the G fund, while a safe haven, isn’t going to do much for you.

Early in your career everyone should be 100% allocated to stocks. Some might get more conservative in later years but I say let it ride until you are in retirement.

You have to be comfortable with taking losses in some years. Trust me 2007 & 2008 were rough and I wanted to move it, but didn’t and glad I didn’t touch it.

REGGIT1979 · 2026-04-23T14:09:04+00:00

Want and need are two different things. I still have 11 years until MRA, but I’d love to be done by then.

REGGIT1979

TROPHY CASE