A Week In Madison, WI, On A $53,000 Salary

Occupation: Grants Manager
Industry: Higher Education
Age: 23
Location: Madison, WI
Salary: $53,000
Net Worth: ~$20,000 ($5,000 across two checking accounts, $4,500 in a HYSA, $15,000 in a 36-month CD, $850 in a Roth IRA, $75 in a health savings account, and $1,500 in a pension minus debt that will hopefully be wiped)
Debt: $450 on my credit card, $7,000 in student loans that will hopefully be wiped by Biden
Paycheck Amount (2x/month): $1,450
Pronouns: She/her

Monthly Expenses
Rent: $745 (for my half. My partner, B., and I split our one-bedroom apartment 50/50. He makes $83,000 a year so we split other things 60/40 and he picks up most miscellaneous purchases)
Utilities: ~$55 (I pay 40% of electric, water is included in rent)
Roth IRA: $50
HYSA: $871 (30% of my paycheck)
iCloud Storage: $2.99
HP Instant Ink: $0.99
Pet Insurance: $35.33
Gym: $145
Retirement Trust Fund: $265 (pre-tax)
HSA: $100 (pre-tax)
Health Insurance: $42.72 (pre-tax)
Internet: partner pays
Spotify: partner pays
New Yorker/NYT: partner pays
Streaming Services/Cell Phone: still on parents’ accounts

Annual Expenses
AppleCare+: $94.94

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