Husband's work finally has the profit sharing switched over to a Vanguard 401k. Hallelujah. We can now see that we have $12,900 in the account. He is currently contributing 3% and they are matching.

We also have $13,787 in our Roth IRAs. I don't think that is too bad considering we only make about $43k a year and have only been saving for retirement for about 4 years.

We have a total of $26,687 saved for retirement, or about 62% of our gross yearly income. I think that is about average or above for being in our mid-twenties. I am pleased with that.

My web design work is also going well this month. I am already past my monthly hours goal and still have a week to go. I think I need to raise my goal for February.

I have filed our taxes. We are getting about $650 back, which we will use to pay towards the HVAC bill.

Husband's job is going to be offering 401ks with Vanguard in 2018! How exciting!

Also, they will 100% match contributions up to 3% and 50% match up to 5%.

For now I think we are going to start with 3%. They said you can change the amount at any time. So once our budget crisis is over hopefully we can up it to 5%.

With this 401k I'm not sure if they are doing away with profit sharing then? I kind of hope not. Because on average they have contributed about $2,000 a year. If they do 3% contribution matching they will only be giving us about $1,000 a year. Ugh. BUT at least it will be with Vanguard and accessible. Right now the profit sharing is all very sketchy. We don't know where the funds are and have no way to track them. They just give us a statement of what we have once a year. It doesn't really feel like our money.