Haha…. how the hell have YOU been, man?

I didn’t at first when we only had one kid, but over time some people have recommended it to me too :) I think you’re right that many states will allow you to use it for multiple people, but for some reason I kinda like having it all separated out like this… Depending on how much you contribute every year and if you’re getting tax benefits that would affect it too. (I.e. if you max out the tax benefits every year you’d want separate accounts to reap the most benefits vs just one account where you’d hit the cap faster)

YAAAASSSS good job!!! $1,300 in itself is huge – and even more empowering since it was fully in your control – well done :) You’re gonna have a great time watching you wealth grow and that debt go down over time!! Keep going!

This will not be repeated every month because I “found” a small 401k I contributed at a former employer that I was just letting hang out in no man’s land. I grabbed it and pulled it over to a traditional IRA resulting in the giant increase.

So I did about $1300 on my own which is not bad with all the debt’s interest working against me. Just wanted to report in because I’m super stoked at the change!

Haha yeah, I actually did include it all for the first handful of months, but then it felt weird and figured if any of the $$$ came back to me over the years then it would just be a nice addition to the net worth :) Vs the opposite of taking hits whenever it gets distributed later!

Totally! Just *starting* is the most important. And nothing’s ever permanent with this stuff, for the better or the worse ;)