New Jersey
I’m 32, I Have A Joint Income Of $142,000 & I’m Writing A Book
Industry: Education
Age: 32
Location: Upper New Jersey
My Salary: ~$50,000 (this may differ and is an regular web site work contract/freelance)
My Husband’s Salary: $92,000
Net Worth: $110,107.82 (Assets: HYSA: $85,000 (spread throughout various funds for take a trip and savings, etc), my personal husband’s IRA balances: $13,500, my IRA accounts: $52,500, my 403(b) account: ~$980, investments: $4,068.85 minus debts.)
Debt: $5,700 (car loan), $36,300 (husband’s college student loans), $3,641.03 (my student loans)
My Paycheck Sum (2x/month): $844.61 (this changes since Now i am freelance)
My Husband’s Paycheck (2x/month): $2,821.60
Pronouns: She/her
Monthly Expenses
Rent: $2,350 (includes heat/hot water/sewage/amenities fee) for a good one-bedroom that share together with my husband
Parking: $132
Gas/Electric: $62
Car Payment: $260
My So to speak: $1,000
My Husband’s Student Loans: $0 (currently deferred).
Health Insurance: $0 (my husband’s employer pays to get each of us)
Car Insurance policies: $900 every half a dozen months
Dental Insurance: $90
Phone/Internet: $190
NY Times: $30
Spotify Family Plan: $14
Streaming: $30
LibroFM: $15
Donations: $40 (public radio, Designed Parenthood, local food bank)
IRAs: $750 combined
HYSA: ~$300
403(b): 5% of my salary (employer contributes 8%, my personal husband’s company does not necessarily provide retirement options)
Betterment: $25
Annual Expenses:
Rental Insurance policies: $92
Jewelry Insurance: $200
Physical Therapy Insurance: $160