Getting a late start on retirement saving and debt reduction in middle age with a middle class income.
Awesome on the debt repayment....slow and steady..and I believe your net worth will come back! Hang in there!
Yeah, there's really not much you can do about the value of your real estate at the moment but you can keep paying down debt! And real estate values will rise again, just like they've fallen and risen again in the past. I've said before that they're cyclical but they're really more of a spiral. Even when prices drop they never go back to where they started and so on.
Agreed - I'm focusing on debt repayment also. I've increased my 401(k) contribution, but don't really watch the ups and downs too closely, as it is out of my control. Debt repayment is something we can definitely do. We'll be cc debt free by October - first time ever!
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