Industry: Arts and culture
Age: 39
Location: Las Vegas
Salary: 97.770 + 5% bonus
Real Estate: Check: $ 2,000; Hysa: $ 14,000; Roth IRA: $ 57.638; Traditional IRA: $ 5,895; 401 (k): $ 164.936; HSA: $ 15.292; Intercession Account: $ 8.706; Initial equality: $ 172,000
Debt: $ 257.726 (Mortgage: $ 247,000, Car Loan: $ 10,726)
Amount of Paycheck (2x/month): 3.760 $
Prophets: She/her
Monthly expenses
Housing cost: Mortgage: $ 1,366 (includes taxes and home insurance).
Loan payments: Payment of a car- 335 $
Income Taxes: $ 1,243 (no state income tax).
401 (k): $ 1,203 (the company corresponds to 3% of the salary).
HSA: $ 270 (company match up to $ 500).
Roth IRA: $ 250
Internet: 53 $
Phone: $ 0 ($ 35, but returned from work).
Donations: $ 50 (rotated and comes with a company race).
Water & Sewerage: 80 $
Junk: 16 $
Electricity: $ 67 (rising wildly in the summer of the desert).
Netflix: $ 23 (it’s worth it for the indecent amount of my favorite in my account).
Rakuten Viki: $ 6 on the obsession of mom’s K-Drama.
Insurance: $ 0 (fully covered by the employer).
Apple storage: 10 $
Was there an expectation for you to attend higher education? Did you participate in any form of higher education? If yes, how did you pay for it?
There has never been a discussion of an alternative route. My parents paid for the overwhelming majority of Undergrad with a smattering of grants. Understood that I would like – and pay – to pay for school. It would probably have to skip this, oh well.
Growing up, what kind of conversations did you have for the money? Do your parents/guardians train you for finances?
This is another conversation we never had. I have always been a danger and inherited a rarity mentality of grandparents, so I learned firsthand how to navigate money.
What was your first job and why did you get it?
I made the rating for a youth sports championship on weekends in high school. It was money to spend on teenage priorities.
Are you worried about the money that is growing up?
While we didn’t talk about money, my family provided and never had to worry about money. When the great recession struck, we felt it and our mom’s dramatic sense wrote a little bit. Our lifestyle has always been stable and I know I’m very privileged.
Are you worried about money now?
Yes, because it’s something I’ve always done and it’s part of being an adult. I try to keep myself in a position where it doesn’t keep me at night, but the budget and constantly check where I stand. I am more concerned about taking care of my parents in their retirement as they still inflate about the issue of what their financial plan is when the time comes.
At what age became financially responsible for yourself and have a financial security net?
Difficult to say. Even after getting my first career job, I lived on my own and paid my accounts, there were times when I returned with my parents or partners being financial or borrowing a car. I guess the answer is when I got out of my parents’ health insurance at 26? Again, counting my blessings. I know my family would understand a way to help me if I need it.
Have you ever received passive or hereditary income? If yes, explain.
I received a legacy when my grandmother passed. I don’t plan or want to think about future unexpectedly. I take a few hundred dollars a month by renting storage space on my property. Sometimes, a well -known businesses in Vegas rent a free room when they are in the city for another two hundred.
