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A Week In Arlington, VA, On A $105,000 Wage


Welcome to Cash Diaries the place we’re tackling the ever-present taboo that’s cash. We’re asking actual individuals how they spend their hard-earned cash throughout a seven-day interval — and we’re monitoring each final greenback.

As we speak: an affiliate product supervisor who makes $105,000 per yr and spends a few of her cash this week on pole dancing.

Occupation: Affiliate product supervisor
Trade: Fintech
Age: 23
Location: Arlington, VA
Wage: $105,000
Internet Price: ~$44,000 (Vanguard ETF fund: $7,000, Roth IRA: $16,419.05, journey financial savings: $1,500, HYSA: $19,000)
Debt: $0
Paycheck Quantity (1x/month): $5,069.32
Pronouns: She/her

Month-to-month Bills
Hire: $1,655 (for a two-bedroom condominium)
Web: $34.69
Cell Cellphone: $0 (nonetheless on my household plan)
iCloud: $2.99
Spotify: $10.99
NYT: $4
Automobile Insurance coverage: $80 (funds begin subsequent month)
Fitness center Membership: $19.99 biweekly
Parking: $120
Journey Financial savings: $300
Vanguard: $250
Roth IRA: $500 (I attempt to max out my IRA yearly and can contribute this quantity till I attain my max.)
Preply Language Classes: $75
HSA: $280.76 (pre-tax)
401(okay): $978.46 (pre-tax)
Well being Insurance coverage: $54.20 (pre-tax)

Was there an expectation so that you can attend greater schooling? Did you take part in any type of greater schooling? If sure, how did you pay for it?
Sure! As a toddler of African immigrants, schooling was a necessity and seen as the one option to progress within the skilled world. I used to be anticipated to go to a prime college with a scholarship. Whereas I acquired into an Ivy League, I didn’t get a scholarship, so I attended a public state college. Trying again, I’m grateful my mother and father pressured me to make this determination as they lined the remainder of my tuition and lease. I’m grateful that I left undergrad with zero debt.

Rising up, what sort of conversations did you’ve gotten about cash? Did your mother or father(s)/guardian(s) educate you about funds?
My mother and father had been very cautious with cash and maintained a fairly excessive degree of frugality whereas having well-paying jobs and indulging in experiences resembling good holidays. They taught me that bank cards had been dangerous and saving was good. I’m grateful that my brother taught me about investing and pushed me to open my Roth IRA whereas I used to be nonetheless in faculty. His steerage has helped me turn out to be financially literate.

What was your first job and why did you get it?
My first job was as an ice cream scooper after I was a sophomore in highschool. I used to be overjoyed to begin making my very own cash in order that I might really feel considerably impartial.

Did you are concerned about cash rising up?
No, my mother and father had well-paying jobs and didn’t give us a purpose to fret as they labored in a really steady business. If we did battle, my mother and father by no means advised me.

Do you are concerned about cash now?
In my day-to-day life, no, however additional down the road, sure. I need to comfortably spend money on properties and be capable of reside on my own. In my high-cost-of-living metropolis, I don’t really feel as if my earnings goes so far as I’d like. I’m lucky to creating a six-figure wage in my first big-girl job however I’m additionally very conscious that six figures doesn’t go so far as it did 10 years in the past. With that in thoughts, it’s good to fret about cash typically.

At what age did you turn out to be financially accountable for your self and do you’ve gotten a monetary security web?
As a result of I’m nonetheless on my mother and father’ cellphone plan, I’m undecided if I’m totally financially accountable however other than that invoice, I’m totally impartial. My mother and father are my security web.

Do you or have you ever ever acquired passive or inherited earnings? If sure, please clarify.
Unsure, however I really like surprises!

Day One

5:45 a.m. — I handle to get myself off the bed and into my exercise garments for my first day again on the fitness center in every week! I had COVID-19 final week however am totally recovered. I hit again and biceps right now and man, is the fitness center packed for this early within the morning (not a fan).

9:30 a.m. — I drive to work which takes me longer than anticipated. I cease by the in-house cafeteria and purchase some oatmeal with cottage cheese. It’s heat and delish. $2.10

12 p.m. — Time for lunch. I meet up with a buddy and head down to a different cafeteria at my office and I order a salmon burger. I chat with my buddy after which be part of a bunch of colleagues to catch up. $5.55

4:30 p.m. — I end my day after a few afternoon conferences and last-minute duties. I cease by the grocery retailer on my method house to select up my favourite model of gum (5) and blast the Andrew Huberman podcast on my drive house. I make myself a snack of microwave oats as quickly as I get house. $1.81

8:30 p.m. — For dinner, I eat my egg fried rice and crispy tofu meal prep which is kinda meh so I can’t wait to spice it up subsequent week (I’m considering cajun-inspired hen sausage pasta). A man I’ve been texting by way of Hinge responds to a textual content I’d despatched about planning this weekend. He suggests a few date concepts and I’m blissful, but in addition frightened I’d overbook myself. We will see!

9:30 p.m. — I end off the evening with some Greek yogurt protein dip, an apple, and sizzling cocoa. I wish to be in sleep mode by 10:30 p.m., however since tomorrow is a relaxation day, there isn’t any must get such an early begin.

Day by day Whole: $9.46

Day Two

7 a.m. — Rise and shine! As we speak I’m getting my annual bodily accomplished at work (a enjoyable perk). Every thing goes nicely with my appointment and it’s lined by insurance coverage.

10 a.m. — I purchase an egg white and cheese burrito from the cafeteria and put it aside for later. I take some microwaved oatmeal from the snack field as I simply desire a snack earlier than lunch. $2.65

12 p.m. — I meet up with a buddy for lunch. I often carry my lunch after I go to the workplace — this week’s particular is a Thai Bap salad. It’s only a Thai crunch salad with grilled hen and Dealer Joe’s Kimbap. The remainder of the day is spent in countless conferences.

5 p.m. — I snack on my egg white burrito and a few crackers whereas heading house for a Portuguese lesson. Proper after my lesson, I’ve a digital interview for a nonprofit place. I’m attempting to get extra concerned in group engagement initiatives and hopefully, that is my first step.

8:30 p.m. — I eat a dinner of the meal prep rice and tofu with a yogurt bowl for dessert. I’m purported to go on a Hinge date tomorrow (deliberate every week in the past) however I’m simply now realizing how far the espresso store is from my condominium and I really feel like backing out. I inform myself that earlier than I am going to mattress, I’ll give the man an replace.

10 p.m. — I prepare for mattress, textual content the Hinge man to cancel, and fall asleep.

Day by day Whole: $2.65

Day Three

3:09 a.m. — It’s 3 a.m. and I can’t sleep! I’m unable to will myself again to sleep so I resort to on-line buying. There’s this tremendous scrumptious barbecue sauce on the work cafeteria and I discover it on Amazon for $8. I instantly take that as I signal to purchase it. I’m already dreaming of all of the various things I’ll do with it. $8.07

7 a.m. — I get up with a nasty case of the runs. I’ve IBS so typically after I really feel anxious or harassed, my physique reacts fairly violently. The unhappy factor is nothing is especially tense in my life apart from my self-imposed doubts about discover a accomplice/beginning over in a brand new metropolis. I remind myself to take it simple (not less than mentally) and head to the fitness center for a shoulder exercise. I choose up a roll of bathroom paper on the way in which house. I make smoked salmon toast on sourdough for brekkie. $2.50

2 p.m. — As we speak is a work-from-home day, so it’s fairly chill and I’ve time to catch on a few of my work. I depart my condominium and cease by a close-by nook retailer to get some gum. I head house for a Spanish lesson and eat considered one of my Thai Bap salads for lunch with carrots. $2.11

5:30 p.m. — I meet up with some mates for blissful hour at a Japanese restaurant and have a good time catching up. I order a salmon and avocado roll together with a cocktail that actually makes me really feel a bit of too woozy (guess I’m turning into a light-weight). $14.40

9:20 p.m. — I make a microwave oatmeal bowl and pair it with a Ninja Creami nightcap. I reply considered one of my Hinge messages — this man I’ve been on and off chatting with lastly needs to go on a date this Sunday. I ask him to FaceTime first to see if the vibes are value happening a date. I’m extremely uncertain. Replace: The decision goes nicely and I’m wanting ahead to our dinner date.

Day by day Whole: $27.08

Day 4

9 a.m. — I get up to nice climate (70 levels) and rapidly swap my deliberate leg day for an impromptu run. I’ve the final Friday of each month off and may’t wait to spend it having fun with the climate. On the way in which again from my run, I cease at a neighborhood bagel spot for an egg and cheese bagel and it’s merely divine. $7.15

10:30 a.m. — My ankle begins to ache so I take the practice again from the bagel store. $2.65

12 p.m. — I spend my time off working a ton of errands, beginning with a sugaring appointment. For first-time purchasers, it’s solely $21 (what a steal), nevertheless, I cannot be again as I don’t assume sugaring is my jam. Not solely was it extra painful than waxing nevertheless it took longer. $24.20

1 p.m. — I cease by a neighborhood thrift retailer searching for some heat sweaters for the remainder of winter (minus this superbly sunny day). I discover three sweaters and a belt for lower than $20. $19.68

2:30 p.m. — Final cease of the day is at Walmart for some groceries. I purchase Greek yogurt, low-fat cottage cheese, cooking spray, pasta, tuna packs, and a glowing ICE beverage for funsies. I’ll go to Dealer Joe’s for the remainder of my buying. I snack on some yogurt with cereal on the way in which house. $21.20

8:30 p.m. — After making a fast hen wrap, I hop on the metro ($2) to go to a pole dancing class with some mates ($27). It’s a newbie class so the trainer goes by the essential actions. We have now a good time attempting to determine learn how to twirl ourselves across the pole and I’ll positively strive one other class sooner or later. $29

9 p.m. — We finish the evening at considered one of our favourite Thai spots. I cut up a shrimp curry bowl with a buddy ($13.65). I take the practice house and may’t wait to relaxation ($2). $15.65

Day by day Whole: $119.53

Day 5

8 a.m. — Rise and shine! I’m headed to the White Home for a tour so I push myself off the bed and onto the practice. I meet up with mates and we get to see among the rooms within the customer wing of the White Home. Though the tour is brief, it’s cool to step inside a bit of historical past. $2

11:30 a.m. — Subsequent cease — brunch. I order an eggs Benedict with crab desserts and it’s nice. Nonetheless, I’ve maxed out my eating price range for the month and nonetheless want to purchase just a few groceries, so I make a psychological notice to deduct some funds from my February price range. $35

2:15 p.m. — I take the practice house and prep for dinner and a film date with a unique Hinge date (it’s our second date). $2

3:15 p.m. — I purchase our film tickets as my office gifted me a $25 AMC card. Afterward, we get Thai meals and he pays for dinner. All in all, it was a fairly good evening (factors off as a result of the kissing was a bit mid). I drive house and instantly prepare for mattress.

Day by day Whole: $39

Day Six

8:30 a.m. — I get up shiny and early to do some much-needed budgeting. I enter my most up-to-date purchases and see that I’m over price range on groceries and eating. I inform myself that after right now, I’m going no-spend for just a few days. Afterward, I make a Greek yogurt bowl and head to church.

12:30 p.m. — After my mid-morning church service, I head to Dealer Joe’s for the final of my meal prep necessities. I purchase broccoli, hen sausage, onion, and bathroom paper ($13.31). I additionally cease by Ulta to get a make-up brush as a result of I’ve a present card. Lastly, I am going to Goal for a muffin tin ($10) however as quickly as I get house, I notice I have already got muffin tins. Good factor I stored the receipt! I eat a hen wrap and popcorn whereas placing my issues away. $23.31

6:30 p.m. — The day is flying by and I’m feeling burned out from Friday and Saturday. I’m purported to go to a buddy’s place however determine I can’t make it as I’m nonetheless placing collectively my February price range. I’ve a date with the FaceTime man tonight and after a nap, I muster sufficient vitality to go away my condominium once more.

9: 30 p.m. — The date goes fairly nicely though the restaurant left a lot to be desired with the meals. I don’t assume I’ll go on a second date with FaceTime man however he’s good firm. I meet up with an previous buddy as I drive house. I am going to mattress as quickly as I get there.

Day by day Whole: $23.31

Day Seven

7 a.m. — I missed leg day final weekend, so I get up blissful to get my glutes working. The exercise feels nice and I make breakfast tacos and banana protein muffins earlier than the workday begins (I LOVE hybrid). After I get to my desk, I determine to max out my Roth IRA for the yr and gawk on the amount of cash that’s been sucked away from my account (sigh).

1 p.m. — The day is fairly chill so I’ve time to do all of the family chores I uncared for this week resembling heaps of laundry and meal prep. Throughout my lunch break, I eat my shrimp curry rice leftovers and prep a Ninja Creami creation for dessert. Film and dinner man (aka dangerous kisser) texts me, however the ick has overwhelmed me and I don’t need to textual content again. I make a psychological notice to pressure a textual content out by the tip of the evening.

5:30 p.m. — I end work and am a bit of upset with the way in which a crew assembly went. We didn’t accomplish what we got down to do and I really feel prefer it’s partly on me, but in addition a results of circumstance. I consider methods to get the crew again on observe and check out to not really feel too defeated. To get out of my head, I placed on a podcast and do some meal prep for the approaching week.

8 p.m. — I run to Goal and return the muffin tin. Looks like I made a revenue! I eat the final of my tofu stir fry meal prep for dinner and revel in my Ninja Creami creation for dessert. I plan out my day for tomorrow and attempt to really feel extra optimistic. It’s higher to assault tomorrow with a constructive perspective even when yesterday didn’t precisely go as deliberate.

Day by day Whole: $0

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