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2018 Goals and Plans

January 11, 2018

I’ve settled on my 2018 goals and plans, although you will notice a lack of specificity in many cases.  I have an approach, but we have the freedom to adapt as needed.


  • Retirement: Take advantage of  all pretax retirement space.  Fund two backdoor Roth IRAs for another $11k.  (This means we have to finish T’s tIRA transfer into his work 403b, although his tIRA has only $1.5k.)
  • Prepay the mortgage with any excess funds after retirement savings.  Estimate of about $15-$20k, excluding any funds allocate from our tax refund.
  • Evaluate life insurance needs.
  • Optimize investments to ensure we are in low fee funds and have appropriate asset allocation for our age.
  • Consider optimizing cash, which is held in a “high interest” savings account.  Part of me feels we “should” invest some amount of this, but there are a few near-term potential needs. I just can’t stomach reducing this generous cushion right now.  However, we could consider moving to Ally CDs or those gov’t bonds (I bonds??) that you buy from Treasury Direct.  I’m not a rate chaser generally, but am willing to make moves as needed.

Personal, Health, Career and Home

  • Develop a yoga practice.  We got a new free TV last month, and moved the old one (temporarily?) to the guest room.  So, I set up my yoga mat and now have my own yoga room! I also will do some studio yoga, but I know I’m unlikely to go frequently – I hate driving 15 minutes to do a workout and studio yoga is expensive.  I want to wait out the January crowds, but I’ll see what I can find for an occasional studio.
  • Have patience as we attempt to grow our family.  I haven’t decided how much I will share here as it happens, and it could take quite a while.  I have no reason to suspect issues, yet it is something I’m really anxious about.  It is scary to have so little control over the process! I have no idea how this one will work (ideas?), but I will make it a goal to TRY.  When I get worried, I look at our cash stash and know that we can use it to attempt medical intervention if needed.
  • Keep pushing in my career.  This is super vague, but there are some unknowns in my career  this year.  There are also some very exciting things coming up!  So, I just have to keep pushing and try to roll with the unpredictable parts.  Most of all, I need to keep focused and not let the unknown pieces worry me too much.
  • Continue home projects, but don’t go overboard.  We still need a glass shower door in the bathroom.  We still aren’t 100% done with the patio project, although we are very very close.  Exterior painting and moderate landscaping is on the agenda this year, but I’d like to keep all of this within the $9k budget allocation I set out.  We can do this all if we DIY it all, but I’m not sure if we really want to DIY the painting.
  • Read 24 books.  This is just a reminder to keep up habits that make me happy.
6 Comments leave one →
  1. January 11, 2018 1:07 pm

    Oooh, similar boat here re the family point! It is incredibly weird to have no control over the if/when. I’ve only told my BFF and er, now you I guess by leaving this comment.

  2. January 11, 2018 3:59 pm

    Good luck! And if you do have trouble, look into seeing a reproductive endocrinologist sooner rather than later. In general they’re better at figuring out and fixing the problem rather than just throwing clomid at it.

  3. January 23, 2018 11:23 am

    Is your resolution to try to have patience over the process or to try the process at all? I’m a bit fuzzy today! Either way, I hope you know you have my support and you’re welcome to text or email me anytime if you want to just vent for a bit to let off any frustration with things being unknown etc. Also yoga would probably help, as could meditation, with fostering patience.

    • January 23, 2018 5:46 pm

      I’m sure my writing is fuzzy, not you!

      The goal is to try to have patience! The trying part itself is a little more straightforward 🙂

      Thanks for the support and tips – I may take you up on it 🙂

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