I think I’m on track to getting my 401(k) maxed out, for 2008. 2007 is sort of a loss at this point; it’s not that I didn’t invest in my 401(k)—I did, just only 1/3 of the max. Which is not bad, but it could have been better.

It turns out that maxing my 401(k) next year will actually drop me a tax bracket, so that’s my goal. Beyond that, hopefully my expenses should be much reduced (since my credit cards will be paid off), so in addition to that offsetting the loss due to increasing the 401(k) withholdings, I hope to be able to put aside at least a hundred bucks a month for savings. I haven’t decided on what vehicle yet—I have a money market account, but it has a terrible interest rate, so I might get a savings account with my bank, which has a better rate. I guess I don’t really know what I’m saving for, other than “to not spend,” which makes it somewhat harder to set a goal. I should set some sort of goal. I’ll work on that next.