Cash/Liquid Savings:
$1,034 Animal Fund ($1,686)
$4,898 Escrow Fund ($6,042)
$2,056 Checkings ($2,062)
$240 Car Fund ($20)
$1,740 HSA ($1,119)
$9,968 Total Liquid Savings ($10,929)
Retirement:
$59,560 DH's 401K ($42,860)
$6,171 DH's IRA ($5,050)
$23,104 My IRA ($16,122)
$88,835 Total Retirement ($64,032)
Liabilities:
-$112,931 Mortgage (-$115,833)
-$8,389 Land Loan (-$10,861)
-$441 Hospital Loan (-$1,263)
-$121,761 Total Liabilities (-$127,957)
Assets:
$185,000+ House
$20,000 in Cars (not counted in figures)
2023 Total Net Worth: $162,042 ($132,004)
2023 Net Worth without Mortgage & House: $89,973 ($62,837)
Numbers in () are 2022 figures for comparison.
This year was MUCH better than last year, especially as far as market growth. Cash is a bit down, but we did well saving for retirement. The interest on our debts is so low we haven't paid any extra and probably won't.
Hoping to save this year for some home projects again, and just try to keep our expenses down so we can build up more cash. I feel like we have been riding too close to the line and it's stressing me out.
Hoping this is the year we break $100k in retirement. 
January 12th, 2024 at 04:22 pm 1705076523
January 12th, 2024 at 07:45 pm 1705088706
Are you running all of your medical expenses through your HSA?
I ask because I’ve seen posts from others who seem to think of HSA as a retirement savings plan.
Depending on your tax bracket, you can lower medical expenses 10-25% by depositing into your HSA and paying medical from there.
I know there is a strategy to pay medical out of pocket and deduct when you file - my expenses have never been high enough to do that.
But I wondered about your usage,
No need to answer…
January 16th, 2024 at 05:35 pm 1705426559
We deposit into the HSA and then pull it back out to pay all our medical bills so we at least get the tax break.