Industry: Retail
Age: 36
Location: Upstate New York
Salary: $140,000
Net Worth: $353,700 including 401(k) ($163,000), traditional IRA ($29,300), investments ($63,000), savings/cash, and equity in my home.
Debt: $0, my parents paid for undergrad, I paid off $200,000 in pharmacy school loans in 2018 after seven years
Paycheck Amount (1x/week): $1,682
Pronouns: She/her
Monthly Expenses
Mortgage: $1,125 for a three-bed, 1.5-bath home ($550 goes to principal/interest, $575 goes to an escrow account to pay taxes/insurance — taxes in NY are outrageous!)
Savings/Investments: $700 to 401(k) direct from paycheck (my company matches up to 6%, but due to our corporate structure, I cannot contribute the max of 17% so I contribute 6%) and $1000 to a brokerage account — I make too much to utilize much else in the way of deferred tax retirement savings. Whatever is left over after monthly spending goes into a high-yield checking account for savings and/or major expenses and I move lump sums into my investment accounts when my cash balances are above a certain limit. I've been keeping more cash on hand lately since COVID.
Snow/Lawn Services: $150
Internet/TV: $135
Utilities: ~$150
Spotify/Netflix: $25
Cell Phone: $105 (My mother is on my plan)
Health Insurance, HSA: $260 deducted from payback — I contribute the maximum allotted to my HSA as additional retirement savings
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January 25, 2021 at 11:30PM
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A Week In Upstate New York On A $140,000 Salary - Refinery29
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