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A Week In San Francisco, CA, On A $129,000 Wage


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

At this time: A knowledge scientist who makes $129,000 per 12 months and spends a few of her cash this week on Olipop soda.

Occupation: Knowledge scientist
Trade: Retail
Age: 22
Location: San Francisco, CA
Wage: $129,000
Internet Value: $82,734 ($20,000 in a HYSA, $2,083 in checking, $8,760 in my 401(okay), $51,891 in a brokerage account).
Debt: $0
Paycheck Quantity (2x/month): $2,819.57
Pronouns: She/her

Month-to-month Bills
Lease: $1,400 (I reside in a three-bed, one-bath with two roommates.)
Utilities & Web: ~$100
ClassPass: $89
Hulu: $17.99
Max: $15.99
Audible: $14.95
HYSA Contribution: $2,000

Was there an expectation so that you can attend increased schooling? Did you take part in any type of increased schooling? If sure, how did you pay for it?
I knew from a younger age that I used to be anticipated to go to varsity. I don’t keep in mind ever contemplating that there have been options. School all the time made sense to me — I like faculty and studying, and extra importantly, I didn’t have every other concepts about what I’d do. My mother and father would have been okay with me not going to varsity, however I’d have needed to have some kind of recreation plan. Each of my mother and father have bachelor’s levels. Not like a few of my different pals, my mother and father didn’t care what I majored in, however I knew I wished to review one thing that had an easy path to employment with out graduate faculty. My mother and father paid for all of my faculty bills, my hire, and likewise gave me a month-to-month allowance in faculty of $500, so I by no means needed to work. I’m SO grateful for that assist, and for the truth that I don’t have any pupil loans.

Rising up, what sort of conversations did you have got about cash? Did your mother or father(s)/guardian(s) educate you about funds?
We didn’t discuss that a lot about cash. The primary lesson I discovered was to all the time repay your bank cards and to deal with them like debit playing cards. I all the time trusted that my mother and father had been financially accountable. It wasn’t till I crammed out the FAFSA when making use of to varsity that I discovered extra particulars about our funds.

What was your first job and why did you get it?
My first job was working half time at a bakery once I was 16. I received it as a result of I wished further spending cash, and likewise expertise that I might placed on a resumé.

Did you are worried about cash rising up?
I went by way of phases the place I’d actually fear after which occasions the place I wouldn’t. Once I was in elementary faculty, my dad received laid off. This was within the wake of the 2008 recession. I used to be a really anxious little one (now a really anxious grownup), so this anxious me, regardless of my mother and father’ efforts to protect us from that anxiousness. Beginning in center faculty, a variety of my pals had been or gave the impression to be wealthier than me, so I had a false sense of how my household was doing. We didn’t go on holidays or have new automobiles, which anxious me and at some factors embarrassed me. Now I notice how foolish that was. I really feel dangerous that I ever made my mother and father really feel like they weren’t offering me with what I wanted, as a result of they all the time did.

Do you are worried about cash now?
Typically. I really feel tremendous fortunate and typically responsible that I’ve revenue simply out of faculty. The primary factor I fear about is shedding my job. There haven’t been as many tech layoffs lately, however I do know that might change. That’s why proper now I’m actually making an attempt to construct up my emergency fund. My purpose is to have $25,000 in a financial savings account in case one thing dangerous occurs. I exploit a price range tracker and that helps me be real looking with how a lot I ought to spend. I’m anxious about way of life creep. I additionally know that I don’t need to work in tech endlessly and should need to return to highschool, so I fear that I’ll get accustomed to a sure way of life after which have to regulate to a totally totally different one.

At what age did you develop into financially liable for your self and do you have got a monetary security web?
I don’t know if I’m technically financially liable for myself proper now, as a result of my mother and father pay my cellphone invoice, I’m nonetheless on my mother’s medical insurance, and my mother and father pay for my remedy ($200 per session, twice a month). My older sister continues to be on my mother and father’ cellphone plan, so I believe I’ll contemplate myself financially unbiased when I’m off my mother and father’ medical insurance and I pay for my very own remedy, which I’ll accomplish in 2024. I pay for all my different bills and have accomplished so since I began working in August 2023, once I was 22. I positively have a monetary security web in my mother and father, and if all else failed, my prolonged household.

Do you or have you ever ever acquired passive or inherited revenue? If sure, please clarify.
Sure. I’ve a brokerage account that my mother and father began once I was born. It presently has round $50,000 in it. I solely discovered about it a few months in the past. I do know that I might additionally use that cash to fall again on, however I function as if it’s not there. I actually simply don’t need to contact it. My grandma has additionally twice in my life given me $5,000.

Day One

8:30 a.m. — I get up from a nasty dream. It’s so chilly on this house (single pane home windows!) and they’re dripping with condensation. I instantly activate the heater in my room. I make myself some espresso in a mug I lately made in a ceramics class. Being an grownup is typically no enjoyable, BUT I now find the money for to take a ceramics class infrequently.

9 a.m. — I begin work. I work as a knowledge scientist. I began final August so I’ve now been working for nearly 5 months. I labored as an intern for a similar crew final summer time, earlier than I began my senior 12 months. On the finish of the internship, I acquired a suggestion for full-time employment after commencement. I accepted as a result of I actually appreciated my supervisor, the pay was good, and I actually didn’t need to undergo tech recruitment once more. It positively took a ton of strain off for my senior 12 months, as a result of I didn’t need to job hunt. I really feel tremendous tremendous lucky to have had that, particularly since information of tech layoffs and hiring freezes broke later that 12 months.

10 a.m. — Our wi-fi has been tremendous gradual the previous couple of days, and it’s irritating as a result of I make money working from home. I name our ISP to see if they’ll inform what’s fallacious. Based mostly on the dialog, it seems like our wi-fi extender is simply too removed from the router. I cave and order ANOTHER wi-fi extender, which I received’t ask my roommates to separate since each of them work exterior the house. It’s $5 per thirty days, and our wi-fi is already form of costly, however for now, it’s price it. $5

10:30 a.m. — Every week, my crew does a weekly recap assembly. I actually actually like my crew. My supervisor is wonderful and everybody has been tremendous useful and may be very beautiful. The bummer is that we’re unfold out throughout the US, so we solely work together just about. I prefer to assume I convey a younger, enjoyable (however not obnoxious) power to my crew, however I actually don’t know. Then I’ve another conferences.

12 p.m. — I normally take my lunch break at the moment, however I’m targeted on one thing so I don’t take a break. I do lastly brush my tooth, which is fairly pathetic of me. I additionally simply received a pair of extremely cute boots from Miista, however they’re so tight within the calves. I placed on thick socks and leggings and zip them up. My heating vent is correct below my desk, so I determine that the warmth will assist the stretching course of. I name a shoe restore place close to me to ask if they’ll stretch the calves, however they inform me that since they’ve a zipper, they’ll’t stretch them with out risking breaking the zipper. I thank them then go on Amazon and search for leather-based stretch spray. I discover one which has good evaluations and I order it, together with another family stuff we’d like (extra laundry detergent, dryer balls, drain snakes, tub drain protector) and a brand new nail buffing factor for me ($80.07). My roommates can pay me again for the shared stuff. $63.40

2 p.m. — I’m tremendous hungry. I simply received again from visiting my household, so I’ve no groceries. I borrow my roommate’s automotive and head to Dealer Joe’s. A wonderful thing about my job is the pliability. From Dealer Joe’s, I get the components I must make this Earl Gray cake I discovered on NYT Cooking, after which my usuals — half and half, broccoli, lettuce, Brussels sprouts, salmon, pre-marinated hen shawarma, hummus, pesto, bruschetta, mozzarella, apples, avocados, tofu, frozen palak paneer, frozen orange hen, pita chips, salt, pepper, and two bottles of my favourite $5 wine. Since I’m ravenous now, I get a wrap to eat within the automotive. I do know Dealer Joe’s checkout persons are presupposed to be tremendous pleasant, however the man checking me out is fairly closed off and never within the temper to speak. It’s too dangerous, as a result of he’s kinda cute, however I don’t blame him. $120.62

3 p.m. — I unload my groceries. I’ve been actually into this podcast referred to as If Books May Kill. I hearken to an episode whereas unpacking. Then, I am going again to my desk and proceed working. For a lot of the duties I get assigned at work, my first intuition is “I do not know what I’m presupposed to do.” I’m not used to being such a novice at one thing, so it’s crucial and humbling.

6:30 p.m. — I head to a sizzling yoga class. The studio is a pair blocks away and I actually take pleasure in it. It’s the solely train that I’ve discovered that I could be in keeping with. The category is nice, however I’ve been having knee ache for the previous few months that’s bothering me. I do know I must get it checked out.

7:30 p.m. — I’m dwelling from yoga and really sweaty. I take a bathe then make frozen orange hen and broccoli within the air fryer. My roommate, T., has simply completed making her dinner, so we eat collectively and watch The Workplace.

11 p.m. — I’ve been making an attempt to learn earlier than mattress as an alternative of scrolling on my cellphone. Proper now, I’m studying The Visitor Checklist by Lucy Foley. It’s laborious to place down, so I keep up later than I imply to so I can end it. I placed on certainly one of my sleep playlists and fall asleep.

Day by day Complete: $189.02

Day Two

8:30 a.m. — Woohoo it’s Friday! And a three-day weekend. I get up and scroll on my cellphone for a couple of minutes. I make myself espresso after which begin work at 9 a.m. I placed on thick socks and my new boots once more with my pajama pants tucked into them. I appear like I’m carrying pantaloons.

10 a.m. — I brush my tooth whereas I’m ready for some code to run. Fridays are normally fairly chill. I can’t inform if the boots are stretching or not. I can also’t inform if they’re chopping off circulation to my ft.

11 a.m. — The work I’m doing proper now doesn’t require that a lot mind energy, so I hearken to an episode of the podcast 5-4, the place they unpack totally different Supreme Court docket instances (and why the Supreme Court docket sucks). I hearken to the episode about Korematsu v. United States. My grandfather was interned, so I’m all the time to study extra concerning the internment.

11:30 a.m. — I change to music. Loads of what I do is googling or asking ChatGPT. I do know persons are fearful of LLMs (Giant Language Fashions) taking jobs like mine, and whereas I fear about that, I additionally know that I don’t need to keep in tech endlessly. And within the interim, ChatGPT may be very useful with debugging code or reminding me of syntax. I attempt to be very well mannered once we work together.

12:30 p.m. — I take my lunch break. I make myself a sandwich with sourdough bread, the Dealer Joe’s vegan kale pesto, mozzarella, Dealer Joe’s bruschetta, and blended greens. It’s good, however the bruschetta may be very oily. I’m making an attempt to eat much less meat and my go-to earlier than was a turkey sandwich. Then I take a fast nap.

2 p.m. — Okay, I form of slept later than I meant to. I really feel dangerous about this, however I determine I’ll simply work later. I notice I haven’t had any water but at the moment. Possibly that’s why I’m sleepy.

3:30 p.m. — Whereas I look forward to some issues to run, I make myself some tea and empty the dishwasher.

6 p.m. — Accomplished with work. I’m actually hungry so I snack on some hummus and pita chips, then have some raspberries. I hear to a different episode of 5-4 concerning the case that overturned affirmative motion. My sister, Ok., texts me that she has an additional ticket to a displaying of the brand new Imply Ladies musical film at 7 p.m. I spend manner too lengthy choosing out an outfit and find yourself simply carrying black denims, black boots, a black lengthy sleeve shirt, and a jacket (hunter inexperienced). I take an Uber to the theater as an alternative of taking the bus as a result of I’m already late. $21.95

7 p.m. — We watch the film. The theater is a elaborate one the place you press a button and a waiter involves take your order. I get a Soiled Shirley and we cut up popcorn. $17.61

9:30 p.m. — The film is finished. It’s reasonably pleasant. I overview it on LetterBoxd (I give it 3.5 stars). I technically haven’t eaten dinner, however the popcorn actually crammed me up. We head to a bar. I wasn’t anticipating us to do something after the film, besides possibly eat. I’m not carrying what I’d contemplate a going-out outfit and I didn’t put any make-up on. I get a vodka cranberry that’s extremely robust. My sister pays. After a little bit of chatting, I get myself some kind of cocktail they’ve with mint and grapefruit, and my sister asks for one more beer, so I purchase each. This drink can also be robust. $27.37

11 p.m. — We go to a different bar close by. This place has a DJ and a dancing space, in addition to a movie picture sales space. We spend manner an excessive amount of on images — my sister and I take one set, after which I take a solo one as a result of the opposite ladies are. I really feel form of drunk, so I stick with water. $14

1:30 a.m. — I’m so able to go dwelling. I’m amazed that I managed to remain out this late. I normally require advance discover for any plans that can finish later than midnight. I’m already pressured about attending to mattress, and I’m additionally conscious that I didn’t have a correct dinner and my abdomen is growling. I take an Uber dwelling. $21.95

2 a.m. — I get dwelling and scramble an egg with some soy sauce, then eat that over a few of my leftover rice. I’m nonetheless hungry, so I’ve half a PB&J. I chug a bunch of water as a result of I actually don’t need to be hungover. I hearken to an episode of If Books May Kill then I get into mattress. In my drunken state, I don’t find yourself washing my face or brushing my tooth.

Day by day Complete: $102.88

Day Three

9 a.m. — I get up and examine my cellphone. It’s very gloomy and presupposed to rain all day, so I determine a really chill day at house is permissible. Plus, this implies I can very simply have a no-spend day. My roommate makes oatmeal for each of us, and I’ve espresso with a little bit of maple syrup. We watch a few episodes of The Workplace.

10:30 a.m. — I resolve to scrub my room. I hear to a different episode of 5-4 about Brett Kavanaugh whereas I clear. I do the dishes after tidying my room. I like seeing how a lot mud and particles the vacuum picks up.

12:30 p.m. — Accomplished cleansing my room so I begin rereading the e book Nothing To See Right here by Kevin Wilson. I’ve learn it as soon as earlier than however not shortly.

2 p.m. — My different roommate, N., comes dwelling from work. She works as a barista and brings me a cookie butter chocolate latte. It’s so good. I make myself a mozzarella sandwich and proceed studying.

3 p.m. — I end the e book. I had forgotten so many particulars and it’s even higher than I remembered. It actually fantastically portrays the intricacies of a selected household. I keep in mattress and decay for a bit. My abdomen form of hurts. I believe it’s from the consuming.

6:30 p.m. — I begin making dinner for T. and myself. We’re having the pre-marinated hen shawarma from Dealer Joe’s with pita bread and roasted broccoli. It seems fairly yummy and there are leftovers, which is nice.

8 p.m. — We watch the film Previous Lives. The start is a bit gradual for my style, however the ending is nice and devastating. I give it 4.5 stars on LetterBoxd.

11:00 p.m. — I prepare for mattress and scroll on Hinge and Tinder. Final October, my ex-boyfriend and I broke up after 4 years. I haven’t been single since I used to be 18 and that seems like ages in the past. It’s tremendous daunting to consider relationship once more, but it surely’s additionally considerably thrilling. As soon as I run out of my day by day likes on Hinge, I determine that’s sufficient. I scroll on TikTok and Twitter (X?) and play Connections on NYT. I find yourself falling asleep round 1 a.m.

Day by day Complete: $0

Day 4

10:30 a.m. — I get up and I’m mad at myself for sleeping in a lot, as I wished to be productive at the moment.

11 a.m. — T. and I determine to go get breakfast by the seashore after which go on a stroll. I placed on yoga pants, sneakers, and a protracted sleeve, after which convey a hoodie and a few sun shades.

11:30 a.m. — We go to a beachside cafe and I get a sizzling latte and a lox bagel. We sit and eat our meals, then stroll over to the bike/strolling path subsequent to the sand. $20.83

1 p.m. — We end strolling. We cease at Safeway as a result of we’d like extra eggs. T. will get these and another issues. I uncover that they promote cans of Chamberlain Espresso iced lattes, so I get one to strive. I’m not an enormous fan of Emma Chamberlain, however I’ve charted her development since I used to be in highschool, and I’ve been inquisitive about her espresso. I additionally get some Earl Gray tea for my cake, two Olipop sodas, onion powder, and cinnamon. Then we cease at a laundromat to get quarters for laundry. $24.83

2 p.m. — I’m so sleepy once we get dwelling. I shut my eyes for a second after which get up at 4:30 p.m. I rapidly throw on some exercise garments and refill my water bottle, then head to a 5 p.m. yoga class. The category is nice however my knee is bothering me extra now. I really want to determine that state of affairs out.

7 p.m. — I bathe after which eat the leftover hen shawarma and broccoli over rice with some sriracha. Each of my roommates are dwelling. We smoke some weed and watch Bottoms.

10 p.m. — The film is over. I actually appreciated the primary hour but it surely form of received away from me within the final half-hour. I give it 4 stars on LetterBoxd. Each of my roommates have work tomorrow so that they go to mattress early. I find yourself listening to 2 extra episodes of 5-4. I go to sleep round 2 a.m.

Day by day Complete: $45.66

Day 5

9:30 a.m. — No work at the moment! I get up and make espresso. My leather-based shoe stretching spray lastly comes. I placed on my thickest pair of leggings, two pairs of socks, and go exterior to spray the boots. It tells me to check the spray on a hidden a part of the shoe so I try this and wait about 30 seconds earlier than deciding it’s in all probability effective. I spray the footwear on the inside and outside, then shove my ft into them and zip them as greatest I can. I make an inventory of what I need to get accomplished. I’m going to bake my Earl Gray cake at the moment after which go to the ceramics studio to select up the remaining items from the category I took final 12 months.

1 p.m. — I by chance depart the cake in for an additional 10 minutes. It doesn’t look burned however I’m anxious it’s going to be ridiculously dry. I let it cool and prepare to go to the ceramics studio. It simply so occurs to be in an space with a lot of outfitters, so I plan to go searching. It’s hotter at the moment, so I placed on some denims, a T-shirt, and a cardigan, with my boots (this proves to be an error). I smoke some weed then hop on the bus ($2.50 on a pay as you go transit card).

3 p.m. — I ponder round totally different classic shops and search for issues that strike my fancy. I find yourself getting a cute informal classic zip-up hoodie that I believe might be an important layering piece ($16.29). Then I am going right into a cute bookstore and am fortunately shocked to seek out that they’ve this e book, True Biz, that I’ve been wanting for just a few weeks. I purchase the e book ($19.94) then head dwelling. I can’t inform if the boots have efficiently stretched and really, I can’t actually really feel my ft at this level. I theorize that my ft are swelling in response to lack of circulation — is {that a} factor? Additionally, my knee is hurting even worse now. I hobble onto the bus and remind myself how beautiful it would really feel to get dwelling and take off these boots. $36.23

5:30 p.m. — I make the frosting for the cake after which stick it within the fridge to agency up. Then, I make rice and marinate salmon in teriyaki sauce. When the rice is near accomplished, I shove the salmon within the air fryer and prepare dinner it. Then I toss this Asian-style salad from Dealer Joe’s. I add Kewpie mayo and sriracha to the salad. I eat the salmon over rice with soy sauce, sriracha, kewpie mayo, sesame seeds, avocado, and seaweed (compulsory Emily Mariko shoutout). I join a free week of some ridiculously named streaming service in order that I can watch the Emmys reside. My roommates be part of me. It’s fairly uneventful, apart from Brian Cox and Kieran Culkin kissing on the mouth. I believe Kieran Culkin is so sizzling. We eat the cake. It’s a bit dry, however nonetheless actually yummy.

10:30 p.m. — The Emmys are over so we disperse. I begin studying my new e book. It’s actually attention-grabbing and I find yourself studying for an hour. The e book is interspersed with classes on ASL and Deaf historical past. I’ve been excited about taking an ASL class at a local people faculty and that is motivating me to observe by way of. Work is making me anxious, however I lastly go to sleep round 1 a.m.

Day by day Complete: $36.23

Day Six

7:30 a.m. — Good morning, I suppose. I’m planning on going to the workplace at the moment, which is why I’m up at this unconscionable hour. I do my morning routine, then placed on concealer, blush, mascara, and lipstick. My workplace doesn’t have a strict costume code, and particularly on the tech flooring, the vibes are very informal. I find yourself carrying my new boots, some darkish wash wide-leg denims, a shirt, a sweater, and my trusty hooded Carhartt jacket. As normal, getting dressed takes twice so long as I’d have wished, and the ground of my room is now suffering from garments. Oops! I hop on MUNI and begin a brand new 5-4 episode ($2.50, pay as you go on my transit card).

9 a.m. — I arrive on the workplace. I notice that I’ve digital remedy at the moment at 2:30 p.m. If I had remembered, I’d not have come to the workplace. Now we have personal assembly rooms, however I do know they aren’t soundproof. I determine I’ll depart at lunch. I purchase an iced latte and a peanut butter banana toast from our workplace espresso store. The toast is so good. It has dates and a few fancy sort of salt on it. $9

12:30 p.m. — My morning is principally conferences. I’m so drained and may’t cease yawning. I pack up and take the practice dwelling then proceed working.

2:30 p.m. — Remedy! I’ve seen the identical psychiatrist since I used to be 12, so we go manner again. At this time we discuss my emotions of incompetence. She challenges me to not smoke weed for the remainder of January, and I comply with it. We’ll see the way it goes. I smoke too usually, and it messes with my urge for food and my sleep. Nevertheless, it does make me really feel foolish and fewer anxious. After our session, I notice I’m hungry. I add edamame and avocado to my leftover salad and eat that at my desk.

6 p.m. — I end work. I’m nonetheless so drained and I desperately must do laundry. I placed on 5-4 and wash my sheets after which a few of my garments ($12 for 2 masses). It’s raining, which is a bummer as a result of our laundry room is exterior of the constructing. I make a sandwich with mozzarella, pesto, bruschetta, and blended greens after which make my mattress. I determine I like this podcast sufficient to develop into a paying subscriber to their Patreon ($5). I motive with myself that I’ll simply binge the episodes after which cancel, however whilst I’m pondering that, I really feel icky about it. I suppose this might be part of my month-to-month price range now. $17

10 p.m. — I get into mattress and scroll by way of TikTok, Hinge, Tinder, and Instagram. At 11:30 p.m, I go to sleep in my lovely clear sheets.

Day by day Complete: $26

Day Seven

8 a.m. — I’ve a extremely dangerous dream about my ex-boyfriend, horrible begin to the day.

9 a.m. — I begin work and have a number of conferences. I’m into what I’m engaged on so I work by way of lunch.

2 p.m. — I eat my leftover salmon over rice after which drink my ginger lemon Olipop. Typically leftover salmon form of grosses me out, so the Olipop helps. Then I get again to work.

3 p.m. — I paint my nails whereas I’m working and whereas listening to 5-4, after all. I even observe the podcast on Twitter.

5 p.m. — I find yourself portray and repainting my nails twice after which nearly instantly smudge them whereas they dry. My nails are longer and more healthy than normal, so I determine to get my nails accomplished. I name an area nail salon and schedule an appointment.

6 p.m. — My nails at the moment are fantastically clear and a pale child blue. The nail technician knowledgeable me that I sadly have “oily nails,” one thing I didn’t even assume was a chance. She was actually beautiful and did an important job ($38 + $8 tip). On the way in which dwelling, I see a humorous flyer that solely my ex-boyfriend would recognize. Issues like this occur extra sometimes now, and so they don’t ship me into deep unhappiness anymore, which is progress. $46

7 p.m. — T. makes us a dinner of mac and cheese with leeks and cauliflower. I don’t actually know what leeks style like, however the meal may be very yummy. Now we have extra Earl Gray cake for dessert. I do the dishes.

11 p.m. — I scroll on social media for a bit. I’ve satisfied myself I can’t go to sleep in silence, so I’ve an arsenal of sleep playlists that I cycle by way of and closely depend on. I go to sleep to Bon Iver’s sleepiest, saddest songs.

Day by day Complete: $46

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