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[quote=Anonymous]Yeah- big ticket items, health-wise, are covered. Have an HSA with a few thousand in it.

Car- I just purchased a gently used car last year. Didn't pay in cash, but payments are reasonable and interest on the loan is low (under 2%).

Home- I rent- paying below market rates for a close-in location in a good school district and only a 15 minute commute. Good arrangement with landlord, and no plans to sell it on the horizon. Could buy, but have a hard time wanting to pay 350K-400K, minimum, for a small, 1000 square foot 2-bedroom condo, which would also add another $500-700/month or more in expenses between the mortgage, upkeep, taxes, and homeowner fees. Plus I hate the idea of having to deal with any issues that comes  up; in my current arrangement, if the water pipes break or the A/C  unit dies  it's not my problem to fix. So don't plan to buy unless I get married or move out of the area.

College- on track to have about $50K by the time DC leaves for collge. Pushing for a state school since I made the mistake of going to a private university and have the loans to show for it. Figure between my 529 savings, loans (DC's), student-work and maybe a scholarship or grant, am okay there too. My parents have been adding about the same to a 529 as well for DC, which will help. Of course, have no idea what a state school costs these days, but figuring 15K/year?

Guess I could always put more into retirement, or just invest; hate the idea of just tying up almost all my savings in only a retirement account. I just don't know much about investing in mutual funds, but I guess I could read a little up on it first. But since I'm not hurting, I suppose I should beef up my emergency savings first. To get to six months should only take another year or less. Just doesn't seem right to have a lot of money sitting around and making little to no return right now, especially with the interest rates being so low and the stock market doing so well. [/quote]

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