One of the problems I have is procrastination. It's a common problem, but one which have caused me to lose out on taking a 401k distribution in 2024. It's not as much of a big deal as it sounds - I don't need the money right away, but I wanted to get the distribution made in 2024 for tax reasons. Instead, my delay has likely caused the distribution into tax year 2025.
There are several things going on that I want to take care of in 2025. One of them is getting a tooth implant, replacing a molar that I lost over a decade ago. This will help me with chewing, as I put too much wear and tear on one side of my mouth. Then, I'd like to do some apartment remodeling, specifically in the bathroom, where I want to replace the toilet, vanity (and sink), and medicine cabinet (with electric outlet). Although I could take this money out of my savings account, I chose to take it out of my 401k. This way, I can keep my already taxed funds at an acceptable level.
Strangely enough, not having anything to do while RQS is here encouraged me to start finding places for some of the mess in my apartment. Clothes are migrating back into my closet, replacement furniture is arriving over the weekend, and I'm seeing some results from my minimal labor. Yet, I have to fight the inclination to put things off, so that I can keep up momentum. This is the hardest thing to do.
Soon, I'll get back to finding an electrolysist. I still want to clear off the beard from my face once and for all. I'm tired of dealing with shaving on a daily basis. This is one of the important things I want to do in the new year....
We'll see what happens during the new year....