Occupation: Flight Attendant + Nanny
Industry: Aviation
Age: 26
Location: Chicago, IL
Salary: $46,800
Net Worth: -$29,977.20 (Roth IRA: $12,572, HYSA: $3,012.70, 401(k): $1,745.90, HSA: $1,161.38, joint tenant brokerage account: $1,171.82 minus debt. My partner and I split finances pretty evenly. He consistently makes more money than I do, but due to the nature and unpredictability of my job, there are some months where I out-earn him, especially with the nannying I do on the side. We do not have joint accounts but are authorized users on each other’s credit cards. We made a budgeting spreadsheet at the beginning of this year and at the end of every month we determine if we have any leftover cash to contribute to our joint tenant account.)
Debt: Student loans: $41,686, credit card: $7,955
Paycheck Amount (2x/month): First paycheck: $1,042.14-$2,165.36, second paycheck: $764.16-$862.25 + $1,400/month nannying
Pronouns: She/her
Industry: Aviation
Age: 26
Location: Chicago, IL
Salary: $46,800
Net Worth: -$29,977.20 (Roth IRA: $12,572, HYSA: $3,012.70, 401(k): $1,745.90, HSA: $1,161.38, joint tenant brokerage account: $1,171.82 minus debt. My partner and I split finances pretty evenly. He consistently makes more money than I do, but due to the nature and unpredictability of my job, there are some months where I out-earn him, especially with the nannying I do on the side. We do not have joint accounts but are authorized users on each other’s credit cards. We made a budgeting spreadsheet at the beginning of this year and at the end of every month we determine if we have any leftover cash to contribute to our joint tenant account.)
Debt: Student loans: $41,686, credit card: $7,955
Paycheck Amount (2x/month): First paycheck: $1,042.14-$2,165.36, second paycheck: $764.16-$862.25 + $1,400/month nannying
Pronouns: She/her
Monthly Expenses
Rent: $825 (our total rent is $1,650 and I Zelle my partner each month)
Student Loan Payment: $0 (plan to resume in January, should have $20,000 forgiven)
Credit Card Payment: $1,100 or more (I put my private student loan and a car maintenance bill on this credit card and am paying it off aggressively while I still have 0% interest)
Hulu: $6.99
Spotify: $9.99
Adobe: $10.61
Apple: $33.06
RCN: $100.83, but should reflect $69 in the next billing cycle
Roth IRA: $250 (I contributed a few thousand dollars from my tax return this year to my Roth IRA, so I only contribute $250 a month now to meet the $6,000 maximum contribution for 2022.)