Industry: Medical
Age: 31
Location: San Diego, CA
Salary: $23/hour + overtime (usually around $50,000/year before taxes)
Net Worth: ~$127,371 (~$107,000 equity in my house (I have $124,000 left of my mortgage) + $4,800 in savings + $18,507.22 in IRA + $1,273.83 in 401(k) + $418.02 in HSA - debt)
Debt: $124,410.46 on my mortgage, $4,627.33 on my car loan
Paycheck Amount (Bi-weekly): $1,300-$1,500 depending on overtime
Pronouns: She/her
Monthly Expenses
Rent: $1,038 for my portion. I share a two-bedroom apartment with a roommate. I rent my house to a friend who covers my mortgage ($952.67), property taxes, and the insurance on the property, so I only pay maintenance costs on the house, but I'm not making a profit.
Car Loan: $145.31
Electricity: ~$70 for my share
Internet: $30.95 for my share
Utilities: ~$60 for my share
Health Insurance: $0 (very minimal plan with high deductible, covered by my employer)
Eye Insurance: $2.58 automatically deducted from each paycheck
Dental insurance: $0 (very minimal plan, covered by my employer)
HSA: $25 automatically deducted from each paycheck
Spotify: $10.59
Streaming services: $0 (I mooch off my parents and boyfriend)
Phone: $10, paid to my dad, still on the family plan
iCloud Storage: $0.99
Start Planner Subscription: $10
Savings: $100-$400
401(k): 3% automatically deducted from my paycheck, my employer does not offer matching
IRA: not currently contributing, started with a previous employer
Yearly Expenses:
Renter's Insurance: $125/year
Rental Dwelling Insurance: $0 (paid by my bank and incorporated into my mortgage payment outlined above)
Car Insurance: $711.66/year
"diary" - Google News
January 01, 2021 at 11:30PM
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A Week In San Diego, CA, On $23 An Hour - Refinery29
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