I know its been few years since I blog here.


We have about $46K in cash, of that 30K is our 6-months EF. But we really need 24K at bare-bone budget. We have no other debt except our mortgage.

The remaining $15-16K are designated to the following (growing every month). I'm tweaking this number regularly so this numbers are changing.

1) home renovation $6K - Goal 20-25K by Fall 2017. But we need to start some renovation by this summer, at least start with our kitchen.


2) Tacoma fund $3600 balance - Plan to grow this balance to 20K by the end of this year. Not sure we are set in stone with Tacoma, or it could be 4runner.


3) Christmas fund $1500 (Goal $2500). Our goal is to have this funded early next month since my wife always tells set this aside first.

4) Daughter's private school tuition due in June for next fall $4200. We have enough to pay the current tuition already but we are continue to add more to this account until we decide to re-direct some of this funds somewhere else in the future.

5) ROTH Contributions $5500 will be fully funded in May.

6) Summer vacation fully funded in January.

7) I plan to sell VTHR 100 shares and buy more shares of Netflix. Yes, I'm going aggressive worth about 6% of our net worth in 1 stock.

My spouse will be receiving 2% pay increase this July. As for me, I'm not sure how much. Our bargaining team have yet to bargain with the state. I suspect about we should receive roughly 2% to 3% pay increase. Maybe we can add more towards 403(b) and 457 contributions.

Mortgage 15-year mortgage: Our target goal to pay off in 5-7 years. We are off target t(I mean way off this year). We just putting in extra $200 on average a month.

We are up 8% YTD in our retirement investments. Hope this continue. If I count losses from last year, we are still down about 4-5%. So we aren't fully recovered yet.