Industry: Higher Ed
Age: 27
Location: New York, NY
Salary: $70,000 (full-time salary) + $2,500-$4,000 (side gig)
Net Worth: $149,459 ($151,200 assets - $1,741 debt — retirement accounts: $64,600 ($10,800 in Roth IRA; $30,400 in 403b; $23,400 in 401(a)), taxable investments: $60,900 ($58,700 brokerage; $2,200 individual stock), cash: $25,500 ($11,000 in e-fund – roughly six months of expenses; $13,000 in sinking funds which is high partly due to reduced spending during the pandemic with no pause in savings; remainder in checking accounts, HSA: $200 (opened this year).) My partner and I split our joint expenses equitably based on income. This equates to a roughly 40:60 split, me:him. We do not have any shared accounts or cards. Our spending money is our own but we have similar financial habits and goals and tend to discuss any large (>$100) purchases.
Debt: $1,741 outstanding balance on Peloton, financed at 0% APR with ~2 years remaining
Paycheck Amount (bi-monthly): $1,437
Pronouns: She/her
Monthly Expenses
Monthly Housing Costs: $775 (my share of a one-bedroom split with my partner, F.)
Peloton Loan Payment: $64.32
Health, Dental, Vision Insurance: $32 (pre-tax)
HSA: $50 (pre-tax)
Transit Benefit: $5 (pre-tax)
403(b): $812 (pre-tax)
Cell Phone: $40
Peloton Membership: $39
Vitamins: $90
Spotify: $9.99
Streaming Services: bartered access with friends + family for access to our Netflix which F. pays for.
Charity: $80
Savings: $1,200+ ($255 to sinking funds + remainder to Roth IRA until I max that account, then it will go to my brokerage.)
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May 14, 2021 at 10:34PM
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A Week In New York, NY, On A $70,000 Salary - Refinery29
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