Occupation: Educational advisor
Business: Larger schooling
Age: 34
Location: Virginia
Joint wage: $158,000 (my wage: $44,600). My husband, C., and I totally mix our funds (although his tithing relies on a proportion of his revenue alone). We use a bank card upfront (I’ve a companion card) for day-to-day bills (groceries, fuel, Goal runs, and many others.) plus just a few particular payments, and pay it off in full from a joint checking account every month. I hold just a few hundred {dollars} every pay interval in my very own particular person account for splurge gadgets for myself, presents for C. and so forth.
Property: Retirement steadiness: ~$30,000 in a few totally different accounts. I’m a navy partner; now we have moved 4 occasions within the final 5 years and I spent the final two and a half years at residence with our children. C. could have a navy pension at retirement primarily based on his rank at ~25 years in. He additionally has retirement accounts at present totaling ~$270,000. Fairness: about $223,000. C. purchased the home earlier than we met; I’m undecided how a lot he put down. Financial savings account steadiness: HYSA (which acts as our emergency fund) has ~$30,000. Checking account steadiness: because the payday on the finish of my diary it’s ~$10,000 (about $8,800 from paychecks and housing allowance). C. makes about $113,000, plus we get a housing allowance of somewhat over $2,900 a month. It is a navy profit; it’s primarily based on the placement of the bottom, your rank and whether or not you may have dependents.
Debt: Pupil mortgage debt: $105,000, however I’m on observe for public service mortgage forgiveness in one other 5 years. Automobile mortgage: $28,000 (we purchased it new in 2022 and put $20,000 down).
Paycheck quantity (2x/month): $1,600 (since writing I’ve additionally opened 529 accounts for the youngsters, with contributions robotically deducted from my paycheck. I additionally adjusted my retirement contributions so my take-home pay is extra like $1,400 per paycheck/$2,800 monthly and the youngsters every get $100 a month to their 529. Every is sitting round $200 proper now).
Pronouns: She/her
Month-to-month Bills