January Total Income:
We are off to a good start for 2026, my wife got three paychecks this month so her income ended up being a little higher than usual. I continue to work several “PRN” or part-time jobs via telemedicine and various local ER gigs. So far, I am much happier with this hybrid schedule.
Expenses
We had several maintenance items come up this month, often saying to myself, “the joys of homeownership”. pluming issues, dryer vent issue, landscaping upgrades, thankfully nothing major but enough to up our usual expenses for the month.
Investments
We continue to aggressively invest every dollar we can. I emptied out our HYSA to deploy into our retirement accounts:
HSA, my 401k, Backdoor Roth IRA x2 all maxed this month. My next goal will be max out my DB plan for the year which will take at least 4-5 months as I have a goal of 100k in that account for the year (I get my final numbers at the end of the year but prefund most of it).
Investment Accounts:
A net gain of $41k for the month.
My Financial Goals for 2026
- Hit $3 million in investments: We are currently at the $2.5 mil range, contributions continue to go in every month, need some growth in the market to achieve this goal.
- ?Pay down mortgage and recast. Our mortgage has a rate of 3.75%. My wife and I have entertained the idea of paying it down a bit and recasting to drop the payment in case something ever happens to one of us. Our current payment is around $4k/month.
- Obtain umbrella insurance – Expensive in my home state (almost 1k for the year), I haven’t been able to bring myself to buy it yet, but I know I need to. This year is the year!
-AMJ