How a 29-year-old New York-based journalist spends:

  • SALARY: I make $170,000 per year as a senior writer at a business publication based in New York. I have negotiated for a raise. My boss said “make me” – essentially give him leverage to budget for it. And then I got an unsolicited job offer (which I made sure was in writing) for 25% more, and he was good to his word, and matched it.  
  • SAVINGS: I have about $102,000 in my savings account. 
  • MONTHLY EXPENSES: I spend $400 per month on my half of rent for a Harlem studio apartment. I contribute to a 401(k) but I do not pay for health insurance, as I’m on my husband’s plan. I pay for ClassPass, $75, and the digital editions of the New York Times, $15, each month. 
  • DEBT: I am not in debt. 
  • INVESTING: I invest. My portfolio is up 20% net of fees in 2017 – but so is everyone else’s.
  • SPENDING VICTORY: The best thing I ever spent money on was my Fuji Track bicycle, which I paid C$500 for in 2008 and still ride all the time.
  • SPENDING REGRET: The fancy digital camera I bought in college, then lost while drunk. 
  • CHARITY: The last charity I donated to was LSA Family Health Service, which supports women and families in East Harlem.
  • IF I WON THE LOTTERY: I would buy a brownstone in Harlem.
  • GOALS: My main goal is to not have to leave Manhattan if/when we have a family (gulp).

- She Spends / Issue #46