Dear 43 Things Users,

10 years after introducing 43 Things to the world, we have decided we have met our last goal: completing the incredible experience that has been 43 Things. Please join us in giving one last cheer to all the folks who have shared their goals with the world, as well as all the people who have worked at The Robot Co-op to build this incredible website. We won a Webby Award, published a book, and brought happiness to a lot of people.

Starting today, 43 Things users can export their goals and entries from the site. Starting August 15, we will make the site “read only”. 43 Things users will still be able to view the site and export their content, but we won’t be taking any new content from users. We hope to leave the site up for folks to see and download their content until the end of the year. Ending on New Year’s Eve takes us full circle.

It has been a long ride (one of our original goals was to "build a company that lasts at least 2 years” - we beat that one!) While we wish the site could live on, it has suffered from a number of challenges - changes in how people use the site, the advertising industry, and how search engines view the site. We wish the outcome was different – but we’ve always been realistic about when our goals are met and when they aren't.

As of today, you will be able to download your goals and entries. See more about that on the FAQ page. Thanks for 10 great years of goal-setting and achieving.

- The Robots.

Export My Content
FAQ
save 6 months of living expenses
I am tired of being scared of financial insecurity

I have a good job, and make a decent wage

BUT – I spent too much and have a big mortgage and a family to support

I have paid off all credit cards and cars (finally, and then bought more cars and recharged the credit cards higher than ever.

What frightens me is having a big expense or a job or income change that causes me to have to borrow more and descend into insolvency.

6 months living expense for me is about $5k per month, or $30k total.

That’s a lot of dough for this small-town boy.

But I HAVE to do it. I want to sleep easy at night knowing I can handle unexpected monetary hits. It has taken me a long time to get to this point, but I am now deferring instant gratification in favor of savings. I’ve saved nothing. I have a long way to go.

Please God, be nice to me and let me keep saving without an emergency causing me to drop big bucks along the way.

Changing from a spender to a saver seems impossible to me.
But I keep trying.



Comments:

If you withdraw from your 401k to pay off student loans, you incur the 10% penalty. But if you withdraw from it in order to pay tuition/related expenses while you’re in school, there is no penalty. A bit too late to help you, probably.

Source: http://www.irs.gov/retirement/participant/article/0,,id=151787,00.html/

401(k)

Thanks, Yes – I incurred the penalty to pay off debt. It helped some, but I lacked foresight. The extra “income” has also put me into a higher tax bracket, which I did not account for – so in addition to putting together the penalty for next year, I have to have more deducted from my pay check to meet the additional taxes.

Hopefully I can help somebody else avoid my costly mistake.


 

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