Thanks, guys! Yes, I can see how this forum can be addicting. So much great info and insights here. Some folks really have their act together and are working hard towards their goals, and that’s really inspiring.
@SteveGoodwin With regards to budgeting, I start out with a pen and paper. I take my take-home pay after my 403(b) contribution, automated savings plan, and charitable contributions (I never see that money) and work backwards until I get to 0. I then keep track of all of my expenses in a Google Sheets spreadsheet and have it set up to track how much money I have left. I budget so much each month for bills I know I’ll have and keep track of the balances for each category. For money left over at the end of each month, I pool all the balances. I then give away another 5%, spend 5%, and save the rest. For example, if I am ahead by $500 end of month, I give away $25, spend $25 on something frivolous like a dinner out or a new book, and save $450.