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SMART Investment Goals
1 / 9
SMART
Investment
Goals
2 / 9
1.
The
goals
Start
here
.
Each
line
is
one
goal
stated
as
a
target
and
a
deadline
;
the
full
SMART
breakdown
for
every
goal
follows
in
section
2.
01
Build
a
six
-
month
emergency
reserve
$
18,000
→
$
42,000,
held
in
a
high
-
yield
savings
account
and
never
invested
DEC
2027
02
Lift
annual
investing
from
$
47,300
to
$
78,400
Automatic
transfers
across
five
named
accounts
,
reviewed
every
January
JAN
2027
03
Raise
the
401(
k
)
deferral
from
8%
to
15%
Reaches
the
$
24,500
statutory
elective
deferral
limit
on
base
salary
JAN
2027
04
Contribute
the
full
Roth
IRA
limit
every
year
$
7,500
a
year
in
$
625
monthly
installments
, 2026
through
2031
ANNUALLY
05
Cut
the
blended
expense
ratio
from
0.41%
to
under
0.15%
Replace
eleven
holdings
with
an
index
-
fund
core
at
the
current
custodian
JUN
2026
06
Reduce
employer
-
stock
concentration
from
18%
to
under
8%
About
$
22,000
sold
across
four
pre
-
scheduled
quarterly
tranches
DEC
2027
07
Grow
the
taxable
brokerage
account
from
$
38,900
to
$
140,000
$
1,500
a
month
into
a
two
-
fund
index
allocation
,
dividends
reinvested
DEC
2030
08
Accumulate
$
120,000
for
a
home
down
payment
Treasury
money
market
fund
and
a
12-
month
Treasury
ladder
—
no
equities
SEP
2029
09
Grow
annual
portfolio
income
from
$
2,940
to
$
6,200
Trailing
-12-
month
dividends
and
interest
,
with
every
distribution
reinvested
DEC
2030
10
Consolidate
to
a
three
-
fund
core
and
rebalance
quarterly
55 / 25 / 20
US
–
international
–
bond
,
with
a
±5
point
drift
band
JUN
2026
B AS ELINE
US ED
IN
T HES E
TARG ET S
$
261,700
Invested
assets
today
$
47,300
Invested
per
year
(22%
of
income
)
$
215,000
Gross
household
income
$
0.41%
Blended
portfolio
expense
ratio
3 / 9
2.
Each
goal
written
to
SMART
How
to
read
these
:
S
—
Specific
(
exactly
what
changes
) ·
M
—
Measurable
(
the
number
and
where
it
is
verified
) ·
A
—
Achievable
(
the
math
that
makes
it
realistic
) ·
R
—
Relevant
(
why
it
matters
to
the
rest
of
the
plan
)
·
T
—
Time
-
bound
(
the
date
it
must
be
done
by
).
01
Build
a
six
-
month
emergency
reserve
Target
$
42,000
in
cash
reserves
·
due
31
December
2027
S
—
SPECIFIC
Grow
the
emergency
reserve
to
$
42,000
—
six
months
of
$
7,000
in
essential
household
expenses
—
and
hold
it
in
a
high
-
yield
savings
account
,
physically
separate
from
every
investment
account
so
it
is
never
spent
on
a
market
dip
.
M
—
MEASURABLE
Account
balance
reviewed
on
the
first
of
each
month
.
The
goal
is
met
when
the
balance
reaches
$
42,000
and
is
held
within
$
1,000
of
that
floor
.
Months
of
coverage
is
the
number
reported
,
not
the
dollar
balance
.
A
—
ACHIEVABLE
$
18,000
is
already
funded
.
The
remaining
$
24,000
requires
$
1,150
a
month
from
March
2026
through
November
2027 —
about
6.4%
of
monthly
gross
income
,
and
already
included
in
the
$
78,400
annual
plan
.
R
—
RELEVANT
The
reserve
is
what
protects
the
other
nine
goals
.
Without
it
,
a
job
change
or
a
medical
event
forces
selling
investments
at
whatever
price
the
market
offers
that
week
.
T
—
T IME
-
BOUND
Fully
funded
by
31
December
2027
.
Re
-
tested
against
six
months
of
then
-
current
expenses
each
January
,
and
topped
up
whenever
fixed
costs
rise
.
4 / 9
02
Lift
annual
investing
from
$
47,300
to
$
78,400
A
36.5%
savings
rate
·
live
for
the
1
January
2027
payroll
cycle
S
—
SPECIFIC
Raise
total
annual
investing
to
$
78,400
by
directing
every
new
dollar
to
a
named
account
: 401(
k
)
to
the
statutory
cap
,
Roth
IRA
,
HSA
,
taxable
brokerage
,
and
the
down
-
payment
fund
.
M
—
MEASURABLE
Contributions
summed
from
account
statements
each
January
and
compared
against
the
$
78,400
target
.
Each
of
the
five
accounts
has
its
own
line
item
,
so
a
shortfall
is
never
hidden
by
a
good
market
year
.
A
—
ACHIEVABLE
The
$
31,100
increase
is
fully
sourced
:
$
7,300
from
the
401(
k
)
deferral
change
,
$
9,600
from
a
car
loan
that
ends
in
December
2026,
and
$
14,200
from
a
12%
reduction
in
discretionary
spending
already
tracked
since
November
.
R
—
RELEVANT
Nothing
else
in
this
plan
works
without
the
contribution
rate
.
Goals
1, 3, 7, 8
and
9
are
all
funded
out
of
this
single
number
.
T
—
T IME
-
BOUND
In
place
for
the
1
January
2027
payroll
cycle
and
held
through
2029.
Once
the
down
payment
is
fully
funded
,
the
$
24,000
annual
stream
is
redirected
to
the
taxable
account
rather
than
spent
.
03
Raise
the
401(
k
)
deferral
from
8%
to
15%
Reaches
the
$
24,500
elective
deferral
cap
·
effective
January
2027
S
—
SPECIFIC
Increase
the
pre
-
tax
elective
deferral
from
8%
to
15%
of
base
salary
,
while
keeping
the
employer
match
fully
captured
at
its
current
5%
of
pay
.
M
—
MEASURABLE
Deferral
percentage
and
year
-
to
-
date
contributions
on
every
pay
stub
,
and
the
plan
'
s
annual
statement
.
The
goal
is
met
when
the
plan
shows
$
24,500
contributed
in
a
calendar
year
.
A
—
ACHIEVABLE
15%
of
the
current
$
163,000
base
salary
is
$
24,450.
A
salary
increase
scheduled
for
July
brings
the
full
year
'
s
deferral
to
the
$
24,500
cap
.
The
plan
stops
deferrals
automatically
at
the
limit
,
so
there
is
no
over
-
contribution
risk
.
R
—
RELEVANT
Pre
-
tax
deferrals
reduce
2026
taxable
income
by
roughly
$
7,300
versus
the
current
rate
and
are
the
cheapest
invested
dollars
in
the
entire
plan
—
the
only
ones
that
arrive
with
a
tax
deduction
attached
.
T
—
T IME
-
BOUND
Change
submitted
by
15
December
2026
,
effective
on
the
first
payroll
of
January
2027,
and
held
through
2031.
Reviewed
each
November
against
that
year
'
s
published
limit
.
5 / 9
04
Contribute
the
full
Roth
IRA
limit
every
year
$
7,500
a
year
,
funded
monthly
·
completed
by
31
December
each
year
S
—
SPECIFIC
Fund
a
Roth
IRA
to
the
full
individual
limit
for
every
tax
year
from
2026
through
2031
—
$
7,500
in
2026
—
using
automatic
monthly
transfers
of
$
625
rather
than
a
lump
sum
in
April
.
M
—
MEASURABLE
Year
-
end
custodian
statement
shows
$
7,500
of
contributions
coded
for
the
correct
tax
year
.
The
annual
limit
published
each
November
is
the
benchmark
,
adjusted
upward
when
it
rises
.
A
—
ACHIEVABLE
$
625
a
month
is
about
3.5%
of
monthly
gross
income
and
sits
entirely
inside
the
$
78,400
annual
plan
.
It
requires
no
new
income
,
only
the
automatic
transfer
instruction
.
R
—
RELEVANT
Tax
-
free
growth
over
a
30-
year
horizon
.
$
7,500
invested
each
year
at
7%
reaches
roughly
$
708,000
by
age
64 —
the
largest
single
lever
available
outside
the
employer
plan
.
T
—
T IME
-
BOUND
Each
year
'
s
contribution
completed
by
31
December
of
that
year
,
starting
with
the
2026
tax
year
.
Front
-
loading
removes
the
April
funding
scramble
entirely
.
05
Cut
the
blended
expense
ratio
from
0.41%
to
under
0.15%
Target
≤
0.15%
asset
-
weighted
·
completed
by
30
June
2026
S
—
SPECIFIC
Replace
high
-
cost
actively
managed
funds
and
a
legacy
advisor
-
sold
account
with
index
funds
at
the
current
custodian
,
reducing
the
portfolio
'
s
asset
-
weighted
expense
ratio
from
0.41%
to
below
0.15%
.
M
—
MEASURABLE
The
asset
-
weighted
ratio
is
recalculated
from
fund
fact
sheets
each
quarter
.
Pass
condition
:
≤
0.15%
.
Reported
alongside
the
dollar
cost
of
ownership
,
not
just
the
percentage
.
A
—
ACHIEVABLE
A
three
-
fund
core
—
total
US
market
,
total
international
,
US
aggregate
bond
—
is
available
at
0.03%
to
0.07%
at
the
current
custodian
,
and
nine
of
the
eleven
current
holdings
already
have
a
lower
-
cost
equivalent
on
the
shelf
.
R
—
RELEVANT
On
$
261,700
the
change
saves
roughly
$
680
a
year
—
about
$
64,000
over
30
years
if
the
savings
are
reinvested
at
7%.
It
is
a
permanent
,
risk
-
free
improvement
in
return
.
T
—
T IME
-
BOUND
Taxable
-
account
swaps
reviewed
for
avoidable
capital
gains
by
30
April
2026
;
all
consolidation
completed
by
30
June
2026
.
6 / 9
06
Reduce
employer
-
stock
concentration
from
18%
to
under
8%
$
47,200
→
no
more
than
$
25,000 ·
completed
by
31
December
2027
S
—
SPECIFIC
Reduce
vested
employer
stock
—
RSU
shares
and
ESPP
purchases
—
from
18%
to
under
8%
of
invested
assets
,
roughly
$
47,200
down
to
no
more
than
$
25,000,
and
stop
holding
new
vests
.
M
—
MEASURABLE
Concentration
measured
monthly
as
stock
value
÷
total
invested
assets
.
The
goal
is
met
when
the
ratio
sits
below
8%
for
two
consecutive
month
-
ends
,
so
a
temporary
dip
is
not
mistaken
for
success
.
A
—
ACHIEVABLE
Requires
selling
approximately
$
22,000
,
spread
across
four
pre
-
scheduled
quarterly
tranches
.
Selling
on
a
fixed
calendar
—
not
on
a
price
view
—
removes
the
timing
decision
entirely
.
R
—
RELEVANT
Salary
and
portfolio
are
currently
tied
to
one
employer
.
A
40%
drawdown
in
that
single
stock
would
remove
about
$
19,000
from
net
worth
,
and
it
would
most
likely
arrive
at
the
same
time
as
a
job
change
.
T
—
T IME
-
BOUND
First
tranche
executed
by
31
March
2026
;
position
below
8%
by
31
December
2027
.
Any
future
vest
above
the
8%
band
is
sold
within
30
days
of
settling
.
07
Grow
the
taxable
brokerage
account
from
$
38,900
to
$
140,000
$
1,500
a
month
·
$
140,000
by
31
December
2030
S
—
SPECIFIC
Direct
$
1,500
a
month
into
the
taxable
brokerage
account
in
a
two
-
fund
index
allocation
—
total
US
market
and
total
international
—
with
every
dividend
automatically
reinvested
.
M
—
MEASURABLE
Month
-
end
balance
,
with
contributions
tracked
separately
from
market
movement
so
performance
stays
visible
.
Interim
checkpoints
:
$
52,000
by
December
2026
and
$
98,000
by
December
2028
.
A
—
ACHIEVABLE
$
12,000
in
2026
and
$
18,000
a
year
from
2027,
growing
at
7%
a
year
,
projects
to
roughly
$
154,000
by
December
2030 —
a
$
14,000
cushion
above
the
$
140,000
target
.
R
—
RELEVANT
This
account
is
the
bridge
between
the
down
payment
and
retirement
.
It
funds
anything
before
age
59½
that
a
401(
k
)
or
IRA
cannot
reach
without
penalty
.
T
—
T IME
-
BOUND
31
December
2030
,
with
the
two
interim
checkpoints
above
.
If
either
checkpoint
is
missed
by
more
than
10%,
the
monthly
amount
is
raised
at
the
next
quarterly
review
.
7 / 9
08
Accumulate
$
120,000
for
a
home
down
payment
$
34,000
→
$
120,000,
held
in
Treasuries
·
due
30
September
2029
S
—
SPECIFIC
Accumulate
$
120,000
in
a
dedicated
,
low
-
volatility
account
—
a
Treasury
-
only
money
market
fund
and
a
12-
month
Treasury
ladder
—
never
in
equities
,
and
never
commingled
with
retirement
money
.
M
—
MEASURABLE
Dedicated
account
balance
tracked
monthly
against
a
straight
-
line
schedule
.
The
purchase
budget
is
set
at
20%
down
plus
3%
closing
costs
on
a
property
priced
up
to
$
600,000.
A
—
ACHIEVABLE
$
34,000
is
already
saved
.
$
2,000
a
month
from
March
2026
through
September
2029
adds
$
86,000,
and
roughly
4%
in
interest
adds
about
$
8,000 —
approximately
$
128,000
in
total
,
an
$
8,000
buffer
above
target
.
R
—
RELEVANT
A
20%
down
payment
removes
private
mortgage
insurance
,
worth
about
$
2,600
a
year
on
a
$
480,000
loan
,
and
lowers
the
monthly
payment
before
any
rate
shopping
begins
.
T
—
T IME
-
BOUND
$
120,000
by
30
September
2029
.
Funds
moved
fully
into
the
Treasury
ladder
by
30
June
2029
so
nothing
is
exposed
to
a
bad
market
month
in
the
quarter
before
closing
.
09
Grow
annual
portfolio
income
from
$
2,940
to
$
6,200
Trailing
-12-
month
distributions
·
by
31
December
2030
S
—
SPECIFIC
Raise
annual
dividend
and
interest
income
to
$
6,200
by
reinvesting
every
distribution
and
directing
new
contributions
to
income
-
producing
index
funds
rather
than
the
cash
sleeve
.
M
—
MEASURABLE
Trailing
-12-
month
distributions
summed
across
all
accounts
each
January
,
compared
against
the
target
,
and
reported
alongside
the
yield
on
cost
.
A
—
ACHIEVABLE
At
an
unchanged
1.35%
yield
,
the
invested
portfolio
needs
to
reach
about
$
459,000
.
The
contribution
plan
in
goals
2, 3
and
7
already
projects
approximately
$
470,000
by
the
end
of
2030.
R
—
RELEVANT
Reinvesting
income
is
what
turns
the
same
contribution
schedule
into
a
materially
larger
balance
.
It
is
also
the
first
income
stream
flexible
enough
to
fund
an
early
-
retirement
gap
before
pension
or
Social
Security
.
T
—
T IME
-
BOUND
$
6,200
of
trailing
-12-
month
income
by
31
December
2030
,
measured
on
the
2030
tax
year
and
reviewed
each
January
thereafter
.
8 / 9
10
Consolidate
to
a
three
-
fund
core
and
rebalance
quarterly
55 / 25 / 20
target
allocation
·
completed
by
30
June
2026
S
—
SPECIFIC
Consolidate
eleven
holdings
across
six
accounts
into
a
three
-
fund
core
—
55%
total
US
market
, 25%
total
international
, 20%
US
aggregate
bond
—
with
a
documented
target
allocation
for
each
account
type
.
M
—
MEASURABLE
Current
allocation
measured
against
target
at
each
quarter
-
end
.
A
rebalance
is
triggered
when
any
sleeve
drifts
more
than
5
percentage
points
from
its
target
,
and
the
drift
is
logged
either
way
.
A
—
ACHIEVABLE
All
six
accounts
support
index
funds
.
The
only
real
constraint
is
the
401(
k
)
menu
,
which
offers
a
total
-
market
fund
at
0.04%
and
a
bond
index
fund
at
0.05% —
both
suitable
for
the
target
weights
.
R
—
RELEVANT
Rebalancing
mechanically
sells
what
has
run
up
and
buys
what
has
lagged
.
It
is
the
one
decision
rule
in
this
document
that
removes
market
timing
from
the
process
completely
.
T
—
T IME
-
BOUND
Consolidated
by
30
June
2026
;
first
quarterly
drift
check
on
30
September
2026
,
and
every
quarter
thereafter
through
2031.
9 / 9
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