Associates - Care to share your rough budgets (income, spousal income/family support, rent, monthly spending, student loan payments, savings, etc.)?

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NYC junior: monthly take home is like 10k after taxes and benefits and insurance. I max Roth 401k, HSA, and Roth IRA at the beginning of each year.

Rent is $1640 in a good neighborhood with roommates

Student loan is $1600

Discretionary is about $2500-3000 all in.

No spouse, no family support. All else goes into savings and taxable brokerage. I feel that I live quite well at the moment.

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Good God! That’s so cheap, is this a house share outside Manhattan?

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Mine is really quite bad. Third year. 10K. I max out my 401k. I spend about $4k on food, housecleaning, going out. $3k rent in a 1 bd in midtown. Rest to savings and btc

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I actually think this is relatively standard for NYC. Insurance and living is really spendy and "luxury" is basically baseline amenities in most metro areas. Dishwasher, actual kitchen, laundry in the building? Luxury. Minimum 3k

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3rd year - after tax and 401k, I take home ~11k. Spend $2700 for rent and about $600 on going out, food & utilities. Save about $7.5k/mo in addition to 401k

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Thanks for sharing!

I’m a first year. Take home is $9,200 monthly. I spend $1850 on rent (shared 1bed with my SO), 4K/mo to loans, $300/mo to retirement, the $3,050 left is for living expenses/going out. I get paid biweekly so the extra 2 paychecks a year when there’s long months I put one toward loans and the other I use for vacation/Christmas shopping expenses. Bonus goes mostly to loans.

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NYC Junior

$2200 rent (split 1BD with GF in nice building downtown)

$1400 student loan (refinanced at 3.9%)

$1200 groceries/restaurants/bars

$1000 other discretionary (tickets/skiing/trips)

$3500 investments (401k, Mega Roth, HSA)

Rest is taxes, insurance, and a few other random discretionary things that I don’t track (toiletries, Netflix, etc.)

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