I’m 26, I Make $43,000 & I’m Scared Of Debt

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I’m 26, I Make ,000 & I’m Scared Of Debt

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Occupation: Advisor
Industry: Higher Education
Age: 26
Location: Indianapolis, IN
Salary: $43,000
Net Worth: $19,085 (HSA: $1,110, 403(b): $2,400, investments: $1,150, IRA: $5,000, emergency income replacement fund: $4,500, car emergency fund: $1,650, health emergency fund: $850, cat emergency fund: $750, sinking funds: $1,675)
Debt: $0 (I finished paying off $9,000 of student loans from undergrad in February 2020)
Paycheck Amount (1x/month): $2,559.44 from my main job and $50-$100 a week from my side gig as a barista
Pronouns: She/her

Monthly Expenses
Rent: $650 (Split 50/50 with my partner, G. When she starts her new job next month we will be adjusting a few things, including rent, to be more fairly split with me paying 40% and her paying 60%.)
Electric: $30 (Split with G.)
Gas/Water/Sewage: $75 (Split with G.)
Internet: $30 (Split with G)
Phone: $50 (Send to mom)
Roth IRA: $15
Savings: $300 (Split between income replacement, car, health, and cat funds)
Netflix: $15.89
Hulu/Disney+/HBO: On mine or G.’s parents’ accounts
Spotify: $6.50 (split with G.)
Renter’s Insurance: $10
AAA: $6.88
Car Insurance: $25.35
YNAB Subscription: $8.66

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