By Miriam Joy

My number one goal was always to get $100,000 into a 401(k) for as long as I can remember. I picked this number because the first 4100k is the hardest.

Keeping in mind that I started at ground zero, I feel good that I at least have a goal to shot for. I was aiming for the stars but who cares right? I wanted to see more 0s in my bank account.

So, let’s dive right in.

Cash Savings: I was still working on building up my cash reserves to reach my goal $2,500. This is the start of my rainy day fund.

Roth IRA: I just opened this account up in June of that year. I started with contributing $50 a month.

403b: I got this account last year in 2010 when I got my new job. I’m so happy to have the matching contributions! Hopefully, I can put in $5,500 per year!

So there you have it. I am giving you a peek inside the finances of a future blogger. This is lonngg before I started beefing up my savings and investments to 40% of my income. More to come in the next several months on my net worth updates.

Thanks for reading!