My strategy update: I made some changes yesterday on the close to one of our long term accounts. I'm now at a 30% allocation there in stocks via large cap equities (S&P 500 type fund). I moved to a 70% allocation when the market crashed in 2020. This has pretty much been my strategy over the years and it has taken great patience, though saved/made a lot of money. I was elated to get a green close yesterday. My goal is to never give back significant profits.

We do some other things regularly as habits, like buying on sale when we grocery shop or buying in bulk on certain items, purchase clothing, pretty much anything if it makes sense from a time/money perspective. It adds up over time. 

In my other strategy, trading has added regular additional income to our household. My third strategy has a car fund/house fund, both of which I buy growth stocks on significant pullbacks and sell on significant rips higher (this can take months or years depending on the stock or fund I'm using). Its a modified dollar cost averaging strategy, much better because of the discount purchase prices. This is money we can get to without bothering our long term and IRA funds, a backup to our emergency fund so to speak. 

In terms of savings after our budget is fulfilled, we are organized in 3 buckets: Emergency funds, car/house funds, and finally long term funds (IRAs, TSP). 

Thanks for the great shares here on what you are up to. Thanks Matt & Steve for your daily hard work.