1. I have 22K in one retirement account.
2. I have another 4K in another retirement account.
3. I have 4K in two other retirement/investment accounts.
4. I own my condo and it has a new bathroom.
5. My car is paid off.
6. I have lots of available credit.
7. I can eat anywhere I want, money no object. (Not that I do.)
8. My closet of clothes is decently maintained. I can buy any clothing I want, money no object. (Not that I do.)
9. I still make regular charitable contributions on a monthly basis.
10. I am saving money by purchasing company stock at a discount.
These are small things. Very small things. But with the market the way it is, I try to ignore the dip in my net worth right now and focus on what has to get done at work. It’s the only way to weather the storm. Losing my job would be the last thing I need. (Not that there’s any danger of that, but I try to do my best whenever I can.)
I mean, I could make a complementary list of the downsides, but who needs being a Negative Nelly right now? I need encouragement, not discouragement.
So no matter how bad it gets, what do you tell yourself in your personal pep talk over finances?
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That’s a good shape to be in. Most people your age is still out having a credit party and living now with the hangover!!
Good for you, as long as you stay focus you can achieve more!
Much the same things, at least items similar to 1-3, and 5. “At least I’ve got this far,” I say. And I look for creative ways to continue to improve the overall picture in little ways.
I’d suggest 2 more for you to add to your list.
1) You’re young enough to have time working for you
2) You’re financially smart enough to be aware of needing to save for retirement