tag:blogger.com,1999:blog-2445523662180116681.post3436776393516660797..comments2024-03-28T15:14:39.600-07:00Comments on The Hawaii Plan: We did it! 2021 Goal AchievedHawaii Plannerhttp://www.blogger.com/profile/04760426766801381563noreply@blogger.comBlogger21125tag:blogger.com,1999:blog-2445523662180116681.post-67628734919707216362021-03-17T11:29:55.018-07:002021-03-17T11:29:55.018-07:00Agreed- you want both & I'd also prioritiz...Agreed- you want both & I'd also prioritize investments. I find it hard not to drain them & put the money towards the mortgage, though. Hawaii Plannerhttps://www.blogger.com/profile/04760426766801381563noreply@blogger.comtag:blogger.com,1999:blog-2445523662180116681.post-77494712384117194072021-03-17T11:29:25.092-07:002021-03-17T11:29:25.092-07:00Thank you! It feels so good to have achieved this ...Thank you! It feels so good to have achieved this goal.Hawaii Plannerhttps://www.blogger.com/profile/04760426766801381563noreply@blogger.comtag:blogger.com,1999:blog-2445523662180116681.post-15674671021989810402021-03-16T20:52:53.343-07:002021-03-16T20:52:53.343-07:00Congrats! What a huge huge achievement, esp hereab...Congrats! What a huge huge achievement, esp hereabouts! I am fighting all my instincts to do the same because we really need to beef up our investments first. That's our big goal - to build up a good stash of investments and then pay down the mortgage after. Revanchehttps://www.blogger.com/profile/07293868300535734672noreply@blogger.comtag:blogger.com,1999:blog-2445523662180116681.post-58154371545488126692021-03-15T20:17:54.120-07:002021-03-15T20:17:54.120-07:00Good for you! That's a huge accomplishment! ...Good for you! That's a huge accomplishment! Way to stay focused.Nd.chichttps://www.blogger.com/profile/15975344129719830050noreply@blogger.comtag:blogger.com,1999:blog-2445523662180116681.post-50030710642443239442021-03-14T15:30:34.337-07:002021-03-14T15:30:34.337-07:00Oh, so expensive! We had no idea what we were gett...Oh, so expensive! We had no idea what we were getting ourselves into when we moved here. But, here we are, and we're making it work. Hawaii Plannerhttps://www.blogger.com/profile/04760426766801381563noreply@blogger.comtag:blogger.com,1999:blog-2445523662180116681.post-63966724996450965612021-03-14T15:30:00.880-07:002021-03-14T15:30:00.880-07:00That's such great news that you were able to p...That's such great news that you were able to pay off your mortgage so quickly. And you are right, it's such a liberating feeling. Well done!Hawaii Plannerhttps://www.blogger.com/profile/04760426766801381563noreply@blogger.comtag:blogger.com,1999:blog-2445523662180116681.post-25941472203882776322021-03-14T15:29:37.675-07:002021-03-14T15:29:37.675-07:00Thank you! It's true - many, many small & ...Thank you! It's true - many, many small & large decisions along the way. Hawaii Plannerhttps://www.blogger.com/profile/04760426766801381563noreply@blogger.comtag:blogger.com,1999:blog-2445523662180116681.post-30945387938649251702021-03-14T15:29:18.826-07:002021-03-14T15:29:18.826-07:00Thank you! I find focusing on goals to be the only...Thank you! I find focusing on goals to be the only thing standing between me & complete sloth. I apparently only have two modes I operate between :-) Hawaii Plannerhttps://www.blogger.com/profile/04760426766801381563noreply@blogger.comtag:blogger.com,1999:blog-2445523662180116681.post-55441646458344109842021-03-13T22:32:06.362-08:002021-03-13T22:32:06.362-08:00I am so happy for you and you have worked very har...I am so happy for you and you have worked very hard at this. Living where you do is so expensive, especially for housing. Your dedication is an inspiration to me.Out My windowhttps://www.blogger.com/profile/13456481267171643227noreply@blogger.comtag:blogger.com,1999:blog-2445523662180116681.post-39678377558791874732021-03-13T08:32:41.543-08:002021-03-13T08:32:41.543-08:00Wonderful news! Wonderful news! Anne in the kitchenhttps://www.blogger.com/profile/01533249631969001657noreply@blogger.comtag:blogger.com,1999:blog-2445523662180116681.post-35711845766833336802021-03-13T05:07:05.268-08:002021-03-13T05:07:05.268-08:00Congratulations! What a tremendous accomplishment ...Congratulations! What a tremendous accomplishment to have achieved so quickly, and in one of the wackiest housing price markets in the US no less. So impressive and such a good example of the power of self discipline. <br /><br />We paid off our mortgage at year 17 of our 30 year mortgage. What it left me with is a determination to never have debt again. As in never, ever. Once you get the monkey of owing money off your back, even for a home (i.e., 'good' debt), it's freeing in a way that is difficult to describe. It opens up so many possibilities, all of them liberating.<br /><br />Well done, and I predict you'll easily beat your timeline for paying off the remainder!Tamarahttps://www.blogger.com/profile/18248579159497266955noreply@blogger.comtag:blogger.com,1999:blog-2445523662180116681.post-18824156389504274462021-03-12T18:28:18.766-08:002021-03-12T18:28:18.766-08:00Congratulations - you've worked hard and made ...Congratulations - you've worked hard and made hundreds or thousands of choices to get where you are today!Darhttp://anexactinglife.comnoreply@blogger.comtag:blogger.com,1999:blog-2445523662180116681.post-61073657903910809462021-03-12T13:40:16.311-08:002021-03-12T13:40:16.311-08:00That is fantastic!! I love your dedication to reac...That is fantastic!! I love your dedication to reaching your goal. Well done!Ms Goosehttps://www.blogger.com/profile/10797339521461126415noreply@blogger.comtag:blogger.com,1999:blog-2445523662180116681.post-83064940840271281432021-03-12T13:01:14.351-08:002021-03-12T13:01:14.351-08:00Awesome work getting your mortgage paid off early ...Awesome work getting your mortgage paid off early on. I'm sure that's given you a lot of flexibility to pay for other priorities. Hawaii Plannerhttps://www.blogger.com/profile/04760426766801381563noreply@blogger.comtag:blogger.com,1999:blog-2445523662180116681.post-72008847468018505182021-03-12T13:00:50.613-08:002021-03-12T13:00:50.613-08:00Thanks! We're having champagne tonight to cele...Thanks! We're having champagne tonight to celebrate ;-) Hawaii Plannerhttps://www.blogger.com/profile/04760426766801381563noreply@blogger.comtag:blogger.com,1999:blog-2445523662180116681.post-18322377204798596042021-03-12T13:00:37.012-08:002021-03-12T13:00:37.012-08:00Thank you! We are super happy to hit this mileston...Thank you! We are super happy to hit this milestone.Hawaii Plannerhttps://www.blogger.com/profile/04760426766801381563noreply@blogger.comtag:blogger.com,1999:blog-2445523662180116681.post-63978223935211268922021-03-12T13:00:19.652-08:002021-03-12T13:00:19.652-08:00I agree - being intentional about your goals &...I agree - being intentional about your goals & prioritizing what you care about is where it's all at, regardless of your goal. <br /><br />Love that you've been mortgage free for 20 years - that is amazing! A big congrats to you & your family. <br /><br />We keep having the "forever" house discussion, and I think what I've realized is that our view of that is going to evolve a lot over the next 4-6 years, with the kids graduating & moving on, etc. We'd like this house to be paid off (or, close to it), when Nick graduates from high school, which will be 8 years from when we purchased it. Hawaii Plannerhttps://www.blogger.com/profile/04760426766801381563noreply@blogger.comtag:blogger.com,1999:blog-2445523662180116681.post-28757102753585738292021-03-12T12:02:47.984-08:002021-03-12T12:02:47.984-08:00Well done! You are right-prioritize the important ...Well done! You are right-prioritize the important things to reach goals. For us ow, as our mortgage has been paid a long time, a good 17 years I think, it was college for kids, travel, and now, money towards more travel and cash savings so we can retire 5-6 years before eligible to draw full pension and SS. SAMhttps://www.blogger.com/profile/16485146123969622896noreply@blogger.comtag:blogger.com,1999:blog-2445523662180116681.post-82206889354758867552021-03-12T11:26:02.447-08:002021-03-12T11:26:02.447-08:00Very well done! Congrats to you on meeting your go...Very well done! Congrats to you on meeting your goals so fast!T'Polhttps://www.blogger.com/profile/16207033510057896918noreply@blogger.comtag:blogger.com,1999:blog-2445523662180116681.post-12943847749452443092021-03-12T10:10:28.645-08:002021-03-12T10:10:28.645-08:00This is wonderful news! Congratulations! I have no...This is wonderful news! Congratulations! I have no doubt that you will get to the 75% paid off goal in your time frame of 12 to 18 months. Way to go. Belindahttps://www.blogger.com/profile/17486895127003368291noreply@blogger.comtag:blogger.com,1999:blog-2445523662180116681.post-54295760689958049092021-03-12T08:51:00.187-08:002021-03-12T08:51:00.187-08:00Very similar goals. We are building another house...Very similar goals. We are building another house. When it is finished, we plan on selling this one and our current rental one. Once we do, our plan is to use that as our sinking fund for living expenses and college, touching nothing else. I hadn't meant to do build so soon after finishing this home, but a combination of the fact that we designed this house when we had loads of littles running around, the market, and the fact that I had the lot just sitting there made us make the jump. If all goes as planned, it will be our "forever home," and the design has taken that into account. Our little enclave is a hot market, and will stay that way for a good time, simply because demand far outweighs supply. I should add that we made the decision to be mortgage free a long time ago, and have been for almost two decades. The decision to become so was a HUGE factor in establishing our financial security. Every extra penny went towards that goal. Once we paid off that mortgage, we vowed never to have another one. Like you, I was lucky in that both DH and I are highly educated, and we made a fairly decent income. Moreover, DH earned several licensures unrelated to his field long before the term "side hustle" was in vogue. That certainly helped when I left the work force. <br />The thing that sticks out in your post to me is "we made intentional tradeoffs and prioritized the budget items we cared most about." No matter one's financial goals, THAT is the key to achieving them. Meg B.https://www.blogger.com/profile/09871105973774159424noreply@blogger.com