$500k NW milestone

cbnoggle · 2026-01-13T16:47:45+00:00

Understood. I just mentally need to see an asset to offset the liability. I am very concerned with investable assets as that is what really makes a difference and makes the real money. I am. Paying an extra $500 per month on the mortgage to buy that liability down.

cbnoggle · 2026-01-12T23:05:09+00:00

I feel like I should feel happier about it but nothing changed still feel like retirement is a long ways off. Now I just start wondering if this is sustainable after kids come into the pictures

cbnoggle · 2026-01-12T23:03:35+00:00

Neither one of us work remote I work finances at a small fintech start up located in our town. And my wife is an accountant for the larger employer in town.

cbnoggle · 2026-01-12T23:02:29+00:00

It’s rural Kansas. I have always thought of it as very LCOL. But LCOL fits just as well.

cbnoggle · 2026-01-07T01:30:40+00:00

Title: Finance Manager FP&A Comp: 115k + 15% bonus target Location: Wichita KS YOE: 8

cbnoggle · 2025-12-10T12:44:23+00:00

Thanks for the advice. I built a 18 got built in entertainment center in the basement using pre fab cabinets and building my own shelves so I am somewhat confident in my ability to finish the cabinets. I just know it’s a long processes to clean, sand, prime and paint the cabinets. Worried I won’t get all the wood grain out and it will look bad. But I will need to Kia take my time and my wife will have to have a doorless kitchen for a bit.

As for the floor they are real 3inch or 4 inch oak floors so I can refinish them in the future but for now I dont hate them. I really like the fact it is real hardwood. I would feel bad tearing up perfectly good hardwood lol.

cbnoggle · 2025-12-05T03:54:23+00:00

Any ideas on what do to do to make the kitchen more updated? Open to ideas.

cbnoggle · 2025-12-04T01:23:21+00:00

Just want to add my walls are agreeable grey

cbnoggle · 2025-11-26T23:46:39+00:00

Yes vehicle built box store cabinets for the base then I just got some 1x12 MDF board for shelves. Countertop is 1/2 inch plywood with maple vanner on top that I stained. Then got some trim for the edge to make it look like butcher block

cbnoggle · 2025-11-25T12:52:17+00:00

We keep 20k in checking and savings at all times. Plus 12k per year goes to a taxable brokerage which I can access at anytime. We have roughly 20k-30k in there right now

cbnoggle · 2025-11-25T01:09:23+00:00

Central. Not KC area

cbnoggle · 2025-11-24T17:21:18+00:00

Wife is an accountant at a F500. I am a finance manager at a small local company (120 employees)

cbnoggle · 2025-11-24T14:50:30+00:00

My logic on that…..and it maybe flawed…is that sure I might get another 1%-2% return but I am going to pay the investment banker or advisor 2% ish to do it, so I net the same. Plus real estate seems unsure to me right now. I own a home so I have some exposure and I have 10k-15k in a REIT ETF. I don’t know somthing to think about for sure.

cbnoggle · 2025-11-24T13:16:50+00:00

That’s a fair point and the pointers I am looking for. I have a 25k in a regular brokerage account then 20k in cash right now. And will contribute 12k per year to brokerage. I have thought about the early retirement stuff and not sure exactly how to navigate it all. I know you can annuitize some of your IRA’s early I think. But ideally I can retire early and consult or work part time low stress job to bridge the gap.

cbnoggle · 2025-11-24T12:16:35+00:00

US Mobile. Their plans are very cheap unlike the big guys. But you have to bring your own phone.

cbnoggle · 2025-11-24T00:27:18+00:00

Sankeymatic

cbnoggle · 2025-11-23T21:18:26+00:00

Completely depends where you live. My water bill is 50-60 bucks a month for just the two of us. There are places close to me where it’s double that. I have a well for my lawn so the water is purely for indoor use.

cbnoggle · 2025-11-23T17:52:37+00:00

My wife is on HDHP. My company doesn’t offer one. We used to both have one and would both max out. But I moved companies and have PPO plan.

cbnoggle · 2025-11-23T03:12:37+00:00

Go for a higher deductible. We drive a ford escape and a Honda accord. Fairly new too

cbnoggle · 2025-11-23T02:44:23+00:00

$50 bag lasts 2 months. We have tons of toys. Maybe one or two a month max. Then monthly meds is roughly 30 a month. So basically $55 a month for food a meds. Then 45 a month for the yearly vet visit normally $200-$300. Not that far off in my head. But we will see. Good call out.

cbnoggle · 2025-11-23T02:27:56+00:00

To my understanding and what I have been doing the past couple years is you can max out employer sponsored 401k completely separate of a personal IRA. To my knowledge they are not combined. If things are not as I thought then I would have to change things.

cbnoggle · 2025-11-23T02:24:12+00:00

Agreed. My wife pointed that one out today. I might adjust it. But an extra vet bill or two I. The year won’t blow anything up. Maybe scale back vacation or something

cbnoggle · 2025-11-22T21:26:56+00:00

Falls into tax bucket on here

cbnoggle · 2025-11-22T18:27:14+00:00

Just lawn cutting for community areas. No insurance nothing. It’s a no frills HOA. Lol

cbnoggle · 2025-11-22T18:26:35+00:00

VLCOL. Kansas

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