Just a few mid (ish) month updates.
My vacation came and went. Spent more than I would have preferred to but it will be my only vacation this year, and I'm very glad I went. New Orleans is a lovely city, I got to have some special moments, and hope to go back soon to see and do more.
Finally completed my taxes. I owe about $3k to federal and about $500 to state. I will pay state outright, and will have to do a payment plan for federal. Between my bonus coming in May, and my homestead exception for property taxes that is paid out over the summer, that should pay them off completely. The amount owed is more than I had hoped for, but an additonal $22k of taxable income was added for 2021 between bank bonuses and cancelled debt so it is not a surprise.
I decided not to move forward with the refinance at this time. It just wasn't a good deal, and even if I feel it would have gotten me further ahead than where I can get by staying the course and making the planned payments, it was at too great a cost. There were a few helpful commenters, a few condescending judgemental commenters, and a few who clearly haven't read any of my other posts. While all but the first category of commenters annoyed me quite a bit, I decided to ignore them and move on.
The increase to my 401k contribution went into effect with my last paycheck. My estimate for the impact to my net pay was fairly close. Now I am just waiting for my annual merit increase to come out, which should be within a few weeks. Once I have that, I can do a little more concrete short term planning.