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Software Engineer in New York, NY — Money Diary Leave a comment


Occupation: Software Engineer
Industry: Tech
Age: 24
Location: New York, NY
Salary: $270,000
Net Worth: $282,500 ($10,000 in checking, $10,000 in HYSA, $20,000 in I-bonds, $25,000 in taxable brokerage, $100,000 in treasury bills, $95,000 in my 401(k), $10,000 in my HSA, $12,500 in Roth IRA).
Debt: $0 (I pay my credit cards off in full every month).
Paycheck Amount (2x/month): $4,346 (after tax/deductions).
Pronouns: She/her

Monthly Expenses
Rent: $2,300 for my share of a one-bed that I share with my boyfriend. We have separate finances otherwise.
Cell phone: $25
Internet: $35
Utilities: $65
Subscriptions: I get these for free either through my credit card or my internet package.
Commuter Benefits: $80 (pre-tax).

Annual Expenses
Renters Insurance: $120
Amex Platinum: $695
401(k): $22,500 (I front-load it every year using my bonus and my first few months of paychecks. This year, I also started contributing to an after-tax 401(k). I basically live off savings for part of the year while I max out my retirement accounts).
HSA: $3,850 (I also front-load it using my first few paychecks).


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