Ray it seems your doing better than most folks ! 😀
I have to sell a cow for them Big ticket items.  😄

MMRanch wrote on 03/29/18 at 08:53:21:


What you want for Bessie?  

I am so sorry if I come off as such, that is not my intentions, heck no.
I am ignorant and a stooge when it comes to this, I ask solely to learn.

Is she a good milker?  

But if you budget to zero, how do you factor in emergency cost expenditures?
I agree, the moment you borrow money, even if its a penalty of your own money, you have disrupted your goal, and depending on amount of money needed, it can be devastating to your bottom line.

Do you tier your money availability?

Example: I have mine in a pretax account, hoping when, and if, I ever need it, my tax liability will be greatly reduced.
My wife has her's in a after tax retirement account. Those taxes are paid, on the principals already, only profits can still be taxed, and you can manage that in each tax year, a good thing if you have a loss.  

How do you budget for the unseen?

Ok, I get that, variables will always be just that, invariably