How a 60-year-old Nevada-based medical laboratory scientist spends:

  • SALARY: I make $85,000 as a medical laboratory scientist based in Sparks, Nevada. I have never asked for a raise. 

  • SAVINGS: I have $860,000 in my total portfolio, which includes retirement savings. If you do not include retirement savings, I have $100,000 saved up. 

  • MONTHLY EXPENSES: I spend $740 per month on rent in a shared house. I contribute to a 401(k). I pay $17 per month for a car wash membership, an $42 per month for internet service. My other bills include professional certification and licensing, car registration and car insurance and come to roughly $100 per month.

  • INVESTING: I invest through my employer-sponsored retirement plans plus low-cost brokerage services.

  • DEBT: I am not in debt.

  • SPENDING VICTORY:  My education. 

  • SPENDING REGRET: Pantyhose. Hey, you asked!

  • IF I WON THE LOTTERY: Nothing.

  • SIDE HUSTLE: I work overtime at work, which makes me an extra $200 per month on average.

  • CHARITY: I most recently contributed to Doctors Without Borders.

  • GOALS: I want to have money for retirement.