Occupation: Project manager / Consultant
Industry: business consultancy
Age: 31
Location: Washington DC
Salary: approximately $ 45,000 (this is an estimate)
My husband’s salary: $ 73,000
Net value : – $ 131,000 (Assets: a car worth around $ 7,000, seven guitars worth around $ 5,000 (my husband always tells me these are assets and they are part of a retirement plan, because “guitars don’t go up in value until you start buying nice ones.”), savings: $ 19,000 debt: $ 162,000) – My husband and I combined our finances shortly after we got married, so it all goes into one joint account. We make big purchases in front of each other, but other than that, we’re pretty self-sufficient as our financial philosophies align closely.
Debt: My student loans: $ 19,756.98, my husband’s law school loans: $ 142,000
Amount of my paycheck (1x / month): $ 3,750 (No taxes, health insurance, etc. are underwritten. Even when I was full-time, the company did none of this.)
My husband’s paycheque (bi-weekly): $ 2,111.99 (after taxes, benefits, etc.)
Pronouns: she she

Monthly expenses
Rental: $ 2,150 (includes utilities, up to $ 2,300 in February)
Storage / Parking: $ 160 (up to $ 225 in February)
Monthly loan payments: Varies, currently we are making $ 0 on mine and $ 2,000 on my husband’s because his loans earn a lot more interest
Cellphone: $ 102.07 (includes internet and minutes)
Health, Vision, Dental Insurance: $ 497 (This includes health, dental, and vision for my husband, myself, and our baby, throughout my husband’s labor.)
iCloud and Apple Music: $ 19.99
Netflix: $ 14.99
Disney +: $ 33 / year (shared with my parents)
Amazon Prime: $ 119 / year
Car and tenant insurance: 11 $
The Internet: $ 127 (reduced to $ 81 next month)
Son 529: $ 50
Retirement: $ 150 (at the moment it only saves money)
platoon: $ 65.07 for the bike and the app
NYT: $ 1 / week
Childcare: $ 0 (We are cradling this life of childcare during the pandemic, allowing us to put a lot of extra money into loans while taking precautions that we are comfortable with)