How Am I Doing?

Just want to get another eye on my numbers to tell me I am doing ok. Currently on step 8 of the FOO. Have two children (early teens). Net worth of about $580k (home value set at purchase price). Credit cards are paid in full each month. I didn’t really get gung ho on saving for retirement until right before I turned 40, but I have been a financial mutant forever :P

Income Gross Net Me (43) $6,780.00 $4,509.00 Wife (49) $6,424.00 $4,762.00

Fixed Expenses Mortgage $1,068.00 ($320k @ 3% for 30 Years) Charity $1,584.00 Car Insurance $170.00 (2 Vehicles - Paid off) Sewer/Trash $54.00 Water $28.00 Cable/Internet $200.00 Cellular $75.00 (Company reimburses for half of $150 bill) Gas/Electric $205.00

Variable Expenses (We stick to this budget and never exceed more than 3% on average) Fuel $400.00 Dining $200.00 Entertainment $100.00 Groceries $650.00 Household $150.00 Other $300.00 Clothing $100.00 Personal Care $100.00 Fun Money $300.00 (Each of us gets $150 to spend as we wish)

Monthly Retirement/Savings Roth A $583.33 Roth B $583.33 529 A $300.00 529 B $300.00 HSA $691.66 ($250 from employer, $441.66 personal contribution) Taxable $800.00 Pension $385.48 (Pension will provide 60% of pre-retirement income for life of my wife and then me) 401k $606.66 401k Match $305.14

Cash Account Balances Checking $10,000.00 HYSA $50,000.00 (Includes EF of $43000 = $6500 x 6 months + $4000 (Highest Ded.))

Investment Balances (Total = ~400k) (Tax advantaged in low cost index funds (VTI, FSKAX, etc)) (Taxable same + a few stocks (Microsoft, Apple, Nvidia, Google, etc)) Crypto $12,000.00 (BTC) 529 A $19,766.00 529 B $20,020.00 CMA $3,000.00 HSA $24,000.00 Roth A $37,370.00 Roth B $36,920.00 IRA $20,811.00 Pension $82,911.00 (This amount would follow wife if she left current employer) 401k $101,710.00 Taxable Brokerage $40,000.00