So about 2.5 years ago my husband took a great new job with a nice pay raise, fast forward 13 months later and they do "reorganization", and he was laid off. When he took this job I was ecstatic for the income and I didn't want to squander our good luck, so we opened an IRA and an IRA spouse, and started putting money in every month. Then an old 401k was to be rolled over, but we put that in another IRA because the new job 401k wasn't starting for 8 months at that point.
He was unemployed for 3 months and when he found a new job it was for a good bit less then the previous one. So for the past year we didn't put anything in these 3 accounts.
Well, our notice of annual fees came and we talked about the hit it will be on what we have already saved. So I called our advisor about waving them for just this year. No dice.
So starting tomorrow, on a rotation, ill be putting the minimum in you can to not get the fees again, in our case it's $30. So every month $30 will go in a different account until we can increase it.
It's not much but in 10 years of this we will have saved over 6k. It's a start, I knows its not nearly enough, but I feel pretty proud of myself right now.
August 28, 2018 at 03:33PM
