I’ve been a big sack of laziness lately when it comes to keeping up with my retirement planning. Apparently the calendar has decided to say it is September (when did that happen?) which means I could have contributed to my Roth IRA as early as nine months ago for the 2013 tax year.
Had I just invested the $5,500 Roth IRA contribution limit on January 1st like a good little Ninja, that amount would have grown by $935. Or in other words, basically my $5,500 contribution would be $6,500 right now.
How lame am I?
Answer: only kind of lame because at least I’m realizing my lameness as opposed to justifying it?
…Okay, well part of me wants to justify it for the following lame reasons…
- I upped my 401k contributions this year quite a bit.
- We bought a house, which hopefully will have some investment aspect to it.
- I’m lame.
It’s time I give myself a swift kick in the butt and get my Roth contribution in.
Have you needed to give yourself a kick in the rear for being financially lazy in any capacity?
- Avoiding paying down debt faster than you could/should?
- Not contributing to retirement when you have the means?
- Paying for two cable boxes when you haven’t turned your basement TV on in months?