Industry: Tech
Age: 28
Location: San Francisco, California
Salary: $181,000 (plus a variable bonus and stock vest, last year I got a $34,000 bonus and $85,000 in vested shares)
Net value: $961,000 ($35,000 in regular bank account, $60,000 in HYSA, $412,000 in 401(k), $454,000 in other stock/investment accounts). I don’t have any real estate or large assets. I live with my partner, but we don’t share finances at the moment. I make a lot more money than he does, so I tend to either pay more or fully cover certain expenses.
Debt: $0
Salary amount (2x/month): $4,180
Pronouns: She/her
Monthly expenses
Rent: $2,087.50 for the share of a one bedroom apartment with my partner. (Total cost is $3,575, which includes parking space and pet rental.)
Electricity: $50 (my half)
Internet: $13 (my half, my company covers the first $75)
Pet Insurance: $24.25 (my half)
Insurance: $100
Renter’s Insurance: $10 (my half)
HelloFresh: $120 (my half. That’s the max, that is, if we order a box every week, which we sometimes don’t. I rarely go to the grocery store — maybe once a month.)
Fitbit Premium: $10
Google Storage: $2
Ipsy: $8
Amazon Prime: $12.50
Netflix: $8 (my half)
Hulu: $8
MoviePass: $10
Spotify: $2.83 (Split with five friends)
Sirius XM: $8.50
ClassPass: $0 (currently using free trial, will likely increase to $60 once trial is over)
Health Insurance: $0 (my company pays)
Dental insurance: $8.60 (before tax)
Life insurance: $27.30 (before tax)
Long term disability: $43.86 (before tax)
Vision Insurance: $3.20 (before tax)
Roth 401(k): $2,800 (I use a mega backdoor Roth to contribute to this so I can further maximize my retirement savings).
Annual expenses:
Traditional 401(k): $23,000 (I max it out at the beginning of each year using the previous year’s bonus. My company matches $11,500 for the year.)
Down Dog: $20 a year (my half)
Credit card charge: $95
