Need help with rebuilding
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Sounds like you have a really solid start even for someone who's "rebuilding." Great job on the 401k. I did a turnaround like this when I shifted from a high income situation to a startup company, and honestly, I had some fun with it. I rented out the house I owned, and I moved to an apartment really close to work (I was in a city area), then I…
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You're two years away from hitting the IRS "catch-up" contribution threshold, so you have that going for you. I'd reframe your perspective. You have a solid 401k balance and an emergency fund. That's better than a significant portion of the population. Will you be retiring at 55? No, but you definitely have a path to establishing a quality nest…
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I mean you’re not even that far behind retirement by age: https://www.fidelity.com/viewpoints/retirement/how-much-do-i-need-to-retire#:~:text=Key%20takeaways,60%2C%20and%2010x%20by%2067 . Budgeting: