re: I'm a YNAB geek.

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The 500k includes about 150k in home equity, which I know you aren't supposed to count.

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you absolutely are, although you should subtract out any mortgage.

It doesnt count for calculating retirement income but it is part of your net worth. Hell, a lot of people include cars in their net worth.

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. I got my head out of the sand, paid the stupid debt off. 2. I got on a realistic budget and started using YNAB. 3. I started learning how to invest. 4. I'm saving nearly 40 percent of my income. Compound Interest is the best thing in the world.

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Thanks for the reply. From negative to +500,000 in four years is impressive. Congrats. My wife and I thought we were doing good to get to 25% contribution rate to our 401Ks. I think the trick is increase your savings / retirement funding every time you get a raise. If I got a 5% raise I would bump my retirement funding 2 or 3%. We never missed the money. My wife is very frugal but she is not savvy financially. I am fortunate that we pretty much agree on saving and spending habits.