We were notified by email that Fidelity has received my husband's transfer request. The money that was in one of the mutual funds has been sold. Next step is to cut the check and get it sent to Vanguard. It's nice to see that it is moving quickly. I kind of want the market to be down next week so we can get a few extra shares during the process. But I can't control that. It is a long term investment so it doesn't really matter.

The transfer is the money he has in a Roth IRA. There is still $5K+ in a traditional IRA. I need to finalize the options for DH on that investment. Once he returns home, I can get him to sign the paperwork. It is a small sum, but at least large enough to open an account. I expect in the future, we will start adding more to our traditional IRA's as our income increases. It likely will be more advantageous tax wise. My gut says to just open the Total Stock Market Index with this money.

After we are done at Fidelity, I will look into moving money we have at American Funds, which is a Roth IRA and two UTMA accounts. It feels good to get this money combined. I like simplicity!!

No spending yesterday!! The low spend experiment is going well. Only four more days. I really hope not to spend money today, but my daughter is going to a camp for two nights, so something may come up. I'll be sure to let you know.