LATE START EARNER

For the first time in probably a decade (or more?!), I decided to sit down and write out my annual goals and budget. While I track my general spending on a monthly basis, the annual overview was eye-opening. It also made me digest the reality of where I am today, and what I need to accomplish this year in order to truly move fast on the path to financial independence. Let's dig in! This pie chart summarizes broad categories of planning savings, investment and spending for the