How a 31-year-old Brooklyn-based risk operations manager spends:

  • SALARY: I make $95,000 working as a risk operations manager in Brooklyn, New York. I have asked for a raise before. Usually, it takes a lot longer than I'd like—have to keep checking in for months.

  • SAVINGS: My emergency savings fund is $28,000, but we also have index funds and company stocks.

  • MONTHLY EXPENSES: My husband and I split our $3,500 monthly mortgage payment. I'm on my husband's healthcare plan, but I contribute to my own 401(k). Our other monthly payments include cable and Netflix/Sling TV, which we pay probably about $100 month for, plus a yoga studio membership, which is $280 per month.

  • INVESTING: I just opened a Vanguard account and started throwing money in index funds.

  • CHARITY: I donate to political campaigns and Planned Parenthood. 

  • SPENDING VICTORY:  Travel - that's where we allot like 5% of our money!

  • SPENDING REGRET: Maybe a pair of shoes that ended up hurting. 

  • IF I WON THE LOTTERY: I'd buy a nicer apartment in the city.

  • GOALS: I would like to have the flexibility to retire early or rely on one less income. I'd also like to buy a weekend home.