Occupation: Government employee
Industry: Public service
Age: 27
Location: St. Paul, MN
Salary: $87,000
Net Worth: -$102,193 (Roth IRA: $6,585; deferred compensation: $4,899; public employees retirement account: $7,937; healthcare savings plan: $581; HSA: $3,188; HYSA: $16,946; checking: $2,500, minus debt)
Debt: $144,829 (This is a combination of student loans: $40,664 in my name, plus $104,165 in my parents’ names that I will mostly pay back.)
Paycheck Amount (biweekly): $2,200
Pronouns: She/her
Industry: Public service
Age: 27
Location: St. Paul, MN
Salary: $87,000
Net Worth: -$102,193 (Roth IRA: $6,585; deferred compensation: $4,899; public employees retirement account: $7,937; healthcare savings plan: $581; HSA: $3,188; HYSA: $16,946; checking: $2,500, minus debt)
Debt: $144,829 (This is a combination of student loans: $40,664 in my name, plus $104,165 in my parents’ names that I will mostly pay back.)
Paycheck Amount (biweekly): $2,200
Pronouns: She/her
Monthly Expenses
Rent: $982 (I live alone in a studio apartment.)
Electricity: $30–$50
iPhone: $8
Phone Bill: $0 (I pay for the phone, but my parents pay my monthly bill.)
Internet: $25
Student Loan Payment: $1,000
Car Insurance: $84
Roth IRA: $150
Savings Account: $150
Deferred Compensation: $250 (deducted from my paycheck)
Dental Insurance & Short-Term & Long-Term Disability Insurance: $65 (automatically deducted from my paycheck)
Public Employee Retirement Account: $440 (automatically deducted from my paycheck)
Healthcare Savings Plan: $170 (automatically deducted from my paycheck)
Health Insurance: $0 (covered by my employer)
Amazon Prime: $0 (I use my parents’ account.)
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