Struggling to be debt free

  Here's where the numbers stand. Savings $13,844 Ally Savings Account (The roof and the hot water heater has been replaced!) $55,631  Marcus Savings Account   $120,412  Retirement- Roth IRA  $158,062 Taxable Brokerage (Retirement) $27,366 Former Employer 401k $58,273  Current Employer 401k $15,000 Private Investment  $5,000 Private Investment  $23,899  Bank Account  Home- $437,500 per zillow Assets               Total (not including home): $477,487               Total (including home): $914,987 Liabilities- Mortgage $97,862                                  Total (not including mortgage): $0                     Total (including mortgage): -$97,862           Total Net Worth(not ...

Look at me! Two posts in one month!!!  Here are my goals for 2025. 1. Pay mortgage down to under $120k. I currently owe just over $135k I am paying an extra $500 a month on my mortgage. I also hope to getter a bigger year end bonus and apply a portion of that to the mortgage this year.  2. Increase contribution to 401k to 10% from 8% I currently am contributing 8% of my $168k salary. I expect a 5% raise to $176k. I will increase my 401k contribution to 10% of my new salary.  3. Increase savings account (Marcus) to $50k, currently at approximately $40k  I've always had anxiety over job loss. I hope to keep a $50k savings account for my emergency fund and household expenses.  4. Max out Back door Roth Contributions 5. Lose 30lbs 6. Read 12 books 7. Take one trip 8. Exercise and move more. What are your goals for 2025?

  I haven't done one of these since July of 2019! Here's where the numbers stand. Savings $18,499.26 Ally Savings Account (Saved for Roof Replacement) $45,774.85 Marcus Savings Account   $66,213.02 Retirement- Roth IRA  $85,219.88 Taxable Brokerage (Retirement) $20,147.23 Former Employer 401k $3,900.32 Current Employer 401k $31,831.52 Bank Account  Home- $437,500-per zillow               Total (not including home): $271,586.08               Total (including home): $709,086.08 Liabilities- Mortgage $144,563.81                                  Total (not including mortgage): $0                     Total (including mortgage): -$144,563.81           Total Net Worth(not including mortgage/home): $271,586.08...

  I have 2 savings accounts, one with Ally and one with Marcus.  My Ally account is paying 4.25% and my Marcus account just sent an email stating that the rate was raised to 4.40%. I remember when I opened my Ally account and I THINK it was paying 0.6%.  It has increased 7X since I opened it! My Ally account has over $16,000 in it and I earn approximately $57 a month.   My Marcus account has over $38,000 in it and I earn approximately $135 a month.  That's almost $200 a month in passive income!!!!  I want to find additional ways to increase my passive income.  I want to make money while I sleep! I only have my savings accounts, my brokerage account and my retirement accounts as passive income.  What do you do to earn passive income?  Comment below! 

Last year I opened an Ally Savings account because the rates were higher and rising fast.  I had not problems with the account and it was easy to open.  Recently Ally has dropped its rates down to 1.90%.  My old trusty My Savings Direct ("MSD") account has, thus far, remained at 2.4% so I moved all of my savings back over there.  I earn over $25 a month in interest at MSD.  Marcus was another savings account that I looked at last year and it is offering 2.0% on savings accounts.  I'm sure that MSD will eventually drop its rates along with all of the other banks. I am keeping my Ally account open as an alternative and I will move money between the 2 accounts depending on which is offering a higher rate.  FYI- I don't plan to go back and forth over a 0.1 of an interest rate.  Only if there are bigger and sustained differences.  I waited until there was a half a percentage difference until I switched back to MSD.  What online sav...