A Week In Santa Cruz County, CA, On A $132,000 Joint Income - Refinery29

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Occupation: Accountant
Industry: Government
Age: 32
Location: Santa Cruz County, CA
MySalary: $82,000
My Husband's Salary: $50,000
Net Worth: $72,200 (joint savings, husband's Roth IRA, my CalPERS pension, and my 457 Plan minus debt)
Debt: $4,800 (my car loan) and $4,000 (husband's student loan)
My Paycheck Amount (1x/month): $6,800 (my monthly gross amount before taxes, health insurance, SS, pension, 457)
Husband's Paycheck Amount (1x/month): $4,100 (gross amount)
Pronouns: She/her

Monthly Expenses
Rent: $1,600 (for a one-bedroom house in the mountains north of Santa Cruz proper. We were insanely lucky to find a rental with rent control and all utilities and internet included. Our rent has not increased in five years.)
Husband's Student Loans: $50
Car Loan: $115 + $150 (extra into principal)
Savings: $3,000 (house down-payment fund, baby fund, and travel fund)
Husband's Roth IRA: $200
457 Plan: $600
CalPERS Pension: ~$400
Husband's Car Insurance: $60
My Car Insurance: $115
Cell Phone: $100
Birchbox: $14
Allure Beauty Box: $15
Monthly EltaMD Suncreen Subscription: $40
Hulu: $12 (We get Disney+, Netflix, and HBO Max from family)
Renter's Insurance: $21
Therapy: $180
Donations: $50-$75
Annual Expenses:
Amazon Prime: $119
Costco: $120
Post Office Box Rental: $130

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A Week In Santa Cruz County, CA, On A $132,000 Joint Income - Refinery29
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