How a 28-year-old Raleigh, North Carolina-based systems administrator spends:

  • SALARY: I make $56,900 as a systems administrator living in Raleigh, North Carolina. We have a salary/position review in the next few weeks so *fingers crossed* that I get a raise! 

  • SAVINGS: I have about $6,120 in my savings account right now. 

  • MONTHLY EXPENSES: I spend $1,225 on renting a townhome. My roommate just moved out but before that, we split the rent. I contribute to a 401(k) but I don't pay for health insurance. I pay for Hulu and share Netflix with my family. I also pay for my dog's wellness plan, my cellphone plan, utilities for my house, and my orthodontist bill each month.

  • INVESTING: I invest using an Ellevest account.

  • SIDE HUSTLE: I teach yoga on the side, but don't make much money at all from it. I maybe make $150 per month plus a free gym membership.

  • SPENDING VICTORY:  Traveling - whether for vacation or back home to see family. It's always worth it.

  • SPENDING REGRET: I worked really hard to pay off my student debt (yay!) but I wish I had been investing money at the same time 

  • IF I WON THE LOTTERY: I'd pay off my mom's home, and then buy a home for myself. 

  • CHARITY: I contribute monthly to WUNC (local NPR station) and the Montana Conservation Corps

  • GOALS: I want to build up my emergency fund, save for a down payment on a home, and save for a new car.