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income

A Week In Victoria, BC On A $150,000 Household Income
Fashion

A Week In Victoria, BC On A $150,000 Household Income

by jummy84
written by jummy84

Was there an expectation for you to attend higher education? Did you participate in any form of higher education? If yes, how did you pay for it?
Yes, my parents both come from cultures where education is important and my dad worked in academia. However, I took an alternative route and went to a private fashion and beauty college rather than a regular college or university. I took out a student loan to pay for it, which I paid off in 2020.

Growing up, what kind of conversations did you have about money? Did your parent(s) educate you about finances?
I was told when we were doing ok financially, and when we needed to focus on saving. Apart from that, my parents did not really educate me about finances.

What was your first job and why did you get it?
I worked at a rock climbing gym in high school. I wanted to have my own spending money, and I also got to climb for free on the days I worked. 

Did you worry about money growing up?
Not too much. My mom was a hard worker and she always made sure we were comfortable, but she was transparent about not being able to afford certain things. Still, I never felt that we were seriously struggling. 

Do you worry about money now?
Somewhat. Things have gotten a lot easier since J. started working again (and got a six figure job to boot), but I also know that life is unpredictable and anything can happen. Even though our household income has essentially tripled since he started working again, I haven’t changed my spending habits very much because I know that our situation could change again.

At what age did you become financially responsible for yourself and do you have a financial safety net?
I moved out of my mom’s place when I was 20. My husband and I have about $50,000 in savings, which we’d like to invest more in the future. 

Do you or have you ever received passive or inherited income? If yes, please explain.
No. 

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A Week In Brooklyn On A $220,000 Joint Income
Fashion

A Week In Brooklyn On A $220,000 Joint Income

by jummy84
written by jummy84

Was there an expectation for you to attend higher education? Did you participate in any form of higher education? If yes, how did you pay for it?
Yes, college was always expected. I come from an immigrant family, and everything my parents did was to set my siblings and myself up for a future. I was a high-achieving student at a competitive public school, and attended a top state university. My parents participated in a 529 plan and pre-purchased my in-state tuition when I was around 8 years old, making it considerably inexpensive. I believe they paid $22,000 for all four years, which I was extremely grateful for.

Growing up, what kind of conversations did you have about money? Did your parent(s) educate you about finances?
We were middle class but my parents were very frugal, since they both grew up poor in their home countries. Since arriving in the US, it’s always been very important for them to have a great credit score, so they never missed a payment and saved every penny. We hardly ever ate out and only went on a vacation maybe every other year. However, my mom was also able to retire early, and I know they will also leave a comfortable inheritance for my sibling and myself.

What was your first job and why did you get it?
My first job was a hostess at a restaurant when I was 15. I mainly got the job to start earning pocket money for myself. I worked for a few years in the restaurant industry throughout high school and saved enough to buy a used car (my parents’ old car), as well as for a solo trip to Europe when I turned 18 and graduated. I had only been to Canada and Mexico previously.

Did you worry about money growing up?
A bit: we could afford all the essentials but never had “fun” money. I got used to shopping for things on sale or thrifting, which is something I still carry with me to this day. There were lots of times in high school when I would wish we had money to buy the trendy things I saw other girls wearing. I do remember one time in elementary school, we were going on a “Little House on the Prairie” field trip, and we had to buy these old-fashioned costumes, but they were pricey and my mom couldn’t afford them. I tried to tell the teacher I was going to skip the field trip but she insisted on it. We ended up finding something at Goodwill, even though it was not the exact style. However, I’m glad my parents instilled a frugality mindset in me now, because it helps me budget an average salary in an expensive city.

Do you worry about money now?
Yes, more so now. Even though I can split expenses with my partner A., we are both victims of lifestyle creep from time to time. Most of our disposable income goes towards going out, eating out, and traveling. I admit I do also have a bit of a shopping problem (especially working in fashion!) which has accumulated a bit of credit card debt.

At what age did you become financially responsible for yourself and do you have a financial safety net?
At 22, when I graduated. I worked part time throughout college but my parents still helped out with certain things like my car insurance. I don’t have a financial safety net right now, which is something I am going to work towards once I pay off my credit cards. Technically, I could use my 401(k) in an emergency, and both A. and I have supportive parents who would help us out if absolutely needed. But I prefer to be independent and have my own funds.

Do you or have you ever received passive or inherited income? If yes, please explain.
Yes, last year my parents started my Roth IRA and contribute the max $7,000 every year, as I did not want to contribute beyond my 401(k). This is partially a hobby of my mother’s, who has been playing with the stock market since she retired early. She likes to “play” with my retirement money but will give any earnings to me. Win-win.

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A Week In Central Wisconsin On A $110,800 Joint Income
Fashion

A Week In Central Wisconsin On A $110,800 Joint Income

by jummy84
written by jummy84

Was there an expectation for you to attend higher education? Did you participate in any form of higher education? If yes, how did you pay for it?
Yes. It was always expected that my siblings and I would either go to college or trade school. I attended an in-state university and my parents paid for all my expenses. My husband M. went to the same college, and he paid for his education through scholarships, jobs, and with a little help from his parents.

Growing up, what kind of conversations did you have about money? Did your parent(s) educate you about finances?
My parents had a lot of conversations with my siblings and me about saving money, living frugally, investing, and planning for retirement. My parents really emphasized good money management habits. As soon as I got my first job, I started contributing to my Roth IRA.

What was your first job and why did you get it?
My first job (besides babysitting local families with my sisters) was as a stocker at a supermarket. I got the job to save money; I was 17 and wanted to have some personal savings before going to college. My parents also encouraged me to get the job so I could contribute to a Roth IRA and so that I could gain work experience.

Did you worry about money growing up?
No, I always felt very financially secure.

Do you worry about money now?
No, I think we are in a good place with our finances and I know we live frugally.

At what age did you become financially responsible for yourself and do you have a financial safety net?
M. and I got married a few months after graduating from college, and so I never lived in an apartment alone or had to support myself on my own income. I guess I would say I became financially responsible once I graduated from college, but I lived with my parents until I got married.

Do you or have you ever received passive or inherited income? If yes, please explain.
My parents paid for my college in full and helped me buy my car. M.’s parents helped him with some college expenses and also helped him buy his truck. My grandparents contributed heavily to my Roth IRA (I don’t know the exact amount) once I had earned income as a teenager, and they also gifted me the majority of what is in our stock account over the years. M.’s grandparents have a trust set up for each of their grandchildren, so my husband will receive $200,000 from that at some point, but not until his own parents pass away. So hopefully we are far into retirement before we have access to it.

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A Week In Northern Virginia On A $195,000 Joint Income
Fashion

A Week In Northern Virginia On A $195,000 Joint Income

by jummy84
written by jummy84

Was there an expectation for you to attend higher education? Did you participate in any form of higher education? If yes, how did you pay for it?
Throughout my childhood, the expectation to go to college came solely from me. My success in school (former gifted kid, IYKYK), coupled with the fact that I would be the first person in my entire family, immediate and extended, to go to college, fed into a perceived “requirement” to do well enough to be accepted and graduate. My parents were encouraging in my academic ambitions, but neither one had gone to college and so they did not pressure me too much. My parents also did not save for my college and they were not in a financial position to help pay, so not only did I have the imaginary pressure of getting into college, but I had to figure out a way to pay for it myself. I was able to scrounge together enough scholarships to get a free ride at an out of state public school, where I earned two bachelor degrees in four years. A few years later I decided to pivot my career ambitions to finance (my undergrad degrees are both liberal arts degrees and I originally wanted to go into social work), and I got a master’s in finance. I took out roughly $50,000 in student loans to pay for it, and I paid off the loans in 2019.

Growing up, what kind of conversations did you have about money? Did your parent(s) educate you about finances?
My dad was in the military, so growing up we moved around a lot, which did a good job at hiding the struggles my parents were facing financially, at least from my perspective. Once my dad retired and we moved back to my parents’ home state, I was in high school and old enough to be a sounding board for my mom’s frustrations and fears with money, which was eye opening. My parents grew up poor and tended to spend everything and save nothing, which meant that when unexpected bills came, it would wipe the legs out from underneath them. My mom wanted to save money but my dad liked to spend as much as he made, which caused a lot of fights and stress. I learned financial literacy on my own, through reading and by using my parents as an example of what not to do. They are doing better now, but my dad wants to retire and they have no savings.

What was your first job and why did you get it?
When I was 12, I would babysit for some of the people my dad worked with for pocket change. When I turned 14, I was able to get my first part-time job at a bakery in the summer. At 15, I moved on to the one fast-food chain in my hometown, where I worked part time during the school year and full time in the summer until college. I also worked full time in college at the same fast-food chain, just in a different state.

Did you worry about money growing up?
I did not actively worry about money until I was in high school and my mom began to open up to me about how bad things were. However, looking back on when I was younger, I had to have known subconsciously that things were not that great, since I knew not to ask for extras. We never went on vacation (moving around per military orders were our vacations/trips). We never went without food. When I was in college my dad quit his job suddenly and I had to help my mom with their mortgage and food for my brother and sister; for about six months, I sent my mom $500 per month, and worked extra shifts (and accumulated credit card debt) to pay for it.

Do you worry about money now?
All the time. My husband M. and I have worked very hard to get to the position we are now, but I do not think that I know financial peace, even though our only debt is our mortgage and we have healthy savings. I have been the breadwinner in our marriage since my husband left the military in 2022, and while I do not mind making most of the money, I have a lot of stress being the only one employed, especially with the labor market as it is right now. M. will be done with his program next spring, and his program has a stellar track record of almost 100% job placement, with starting positions around $80,000. I would like to think once he is settled into his new career, I will be able to let out the breath that I have been holding for the past few years, but I know my brain will just move the goal post and I will fixate on something else.

At what age did you become financially responsible for yourself and do you have a financial safety net?
I became financially independent when I moved out of state for college at 18. If M. and I ever found ourselves in dire financial straits, we would always have a place to stay at my parents’ house or M.’s parents’ house, but neither side of the family has the cash to assist monetarily, nor would we ask them to.

Do you or have you ever received passive or inherited income? If yes, please explain.
No, for both myself and my husband.

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A Week In Dallas On A $290,000 Joint Income
Fashion

A Week In Dallas On A $290,000 Joint Income

by jummy84
written by jummy84

Occupation: Chief of staff, part time
Industry: Finance
Age: 31
Location: Dallas, TX
Salary: $80,000
Joint Income/Financial Setup: My husband, K., is in sales and can make up to $210,000. We have a joint bank account.
Assets: $200,000 between savings and wealth management accounts. We share everything, but the majority of the bills are on my credit cards because I manage our utilities. We pay off the cards every month.
Debt: We have $6,000 left on K.’s car (my car is paid off), $2,000 in medical debt, and $240,000 left on our mortgage.
Paycheck Amount (Every 2 Weeks): ~$6,400 (changes based on K.’s job) between both of us after 401(k)s, taxes, and insurance.
Pronouns: She/her

Monthly Expenses

Housing Costs: $2,400 mortgage with insurance included. K. and I live here along with our children, B. and D.
D.’s Childcare: $1,600
Peloton: $50
B.’s Therapies: $600. B. is in ABA (Applied Behavior Analysis), occupational, physical, and speech therapy. B. has been in some type of therapy for the majority of her life, and we have an amazing team of therapists for her. I did months of research and waiting to find the best small ABA clinic that would help B. with her aggression/functional needs while respecting her sweet personality and non-harmful stimming. We also pay about $1,000 a month in miscellaneous doctors’ appointments and other related ongoings — we have a private pediatrician we pay for, and visit specialists multiple times through the year, plus procedures.
TV Subscriptions: ~$100
Kindle Unlimited: $15
Dog Food Subscription: $100
Cellphones: $150
Kids’ 529s: $250
Private Pediatric Endocrinologist: $150 (this is for B.)
Waxing Subscription: $20
Spotify: $18 for a family subscription.
iCloud Storage: $2
Life Insurance Policies: $600

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A Week In The Bay Area On A $715,000 Joint Income
Fashion

A Week In The Bay Area On A $715,000 Joint Income

by jummy84
written by jummy84

Occupation: Medical director
Industry: Healthcare
Age: 32
Location: San Francisco Bay Area
Salary: $170,000 base and bonus
Joint Income/Financial Setup: $715,000. My bonus last year was $70,000, but it can be highly variable. My husband, J., is a physician and makes $475,000 a year. We share all our finances, and our paychecks go directly into our joint accounts, which we use to cover all expenses. We still do have our individual personal accounts, which we both keep at a minimum level, but otherwise don’t regularly deposit money into.
Assets: Primary home equity: $1,000,000; total joint savings and checking: $53,900; my total retirement accounts (401(k), 503(b), etc); $110,000; total money market/investment/brokerage accounts: $96,000.
Debt: Mortgage: $1,400,000; car: $28,700; J.’s student loans: $20,000.
Paycheck Amount (2x/month): $3,900 (post taxes and 401(k) contribution deducted).
Pronouns: She/her

Monthly Expenses

Housing Costs: Mortgage: $11,800
Home Maintenance: $675 (cleaner, landscaping, pest control etc.).
Utilities: ~$150
Loan Payments: J.’s student loan: $1,024; car loan payment: $781.50.
Wifi: $65
J.’s Disability Insurance: $223
Car Insurance: $151.60
ClassPass: $20
Nuuly: $107 (clothing rental service).
Peloton: $130
Cell Phone: $0 (we’re both on our respective family’s plans, so our parents pay).
Home Alarm System: $33
Streaming Services: $0 for Hulu and Netflix — these are shared among friends and family; we provide HBO Max (free from prior employer).
401(k) Contribution: $1,830

Was there an expectation for you to attend higher education? Did you participate in any form of higher education? If yes, how did you pay for it?
Yes. My parents are immigrants and value higher education as a way to build success in the United States. They both went to college, and my dad went to a very competitive graduate school program, despite his humble beginnings and had to support himself financially through it. I went to a private undergraduate program and medical school, and I was extremely fortunate that my parents paid for most of it.

Growing up, what kind of conversations did you have about money? Did your parent(s) educate you about finances?
Both my parents are self-employed in the same industry, so they spoke of their work and compensation often. However, I don’t think they ever sat me down and taught me how to plan a budget and stick with it, or other practical advice.

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Horoscope Today, August 26, 2025: A shift in income patterns may require revisiting your savings plan | Astrology
Lifestyle

Horoscope Today, August 26, 2025: A shift in income patterns may require revisiting your savings plan | Astrology

by jummy84
written by jummy84

Aries (March 21–April 20)

Meditation may offer clarity, though building a consistent routine takes patience. Steady academic progress feels good, and staying consistent will keep you on track. Bridging generational family gaps may lead to a deeper understanding. Career goals might need tweaking to match your changing ambitions. Smart planning supports long-term financial health better than quick wins.

Horoscope Today: Astrological prediction for August 26, 2025(Freepik)

Love Focus: Openness may strengthen your bond and lead to meaningful conversations.

Lucky Number: 22

Lucky Colour: Blue

Taurus (April 21–May 20)

Revisiting your sales strategy may help move unsold property units more efficiently. Emotional fatigue at work may lessen if you learn to appreciate your progress. Paying more now can lower future debt but may limit cash flow in the short term. Night rituals can gradually ease sleep problems. Learning today feels rewarding, making academics more joyful.

Love Focus: Unresolved issues may keep resurfacing, so take time before seeking resolution.

Lucky Number: 17

Lucky Colour: Green

Gemini (May 21–June 21)

A shift in income patterns may require revisiting your savings plan. Choosing healthy meals may support your goals without making you feel restricted. Workplace appreciation may go unnoticed due to underlying interpersonal issues. Sharing household chores might cause tension, but calm talks can bring fairness back. A local taxi may charge more than expected, so check rates in advance.

Love Focus: Resistance to emotional change may delay the evolution of your relationship.

Lucky Number: 11

Lucky Colour: Maroon

Cancer (June 22–July 22)

You may feel light on your feet today, with high energy making movement easy. Children may benefit from your guidance, even if their growth includes occasional setbacks. A forward-thinking mindset can help you create long-term professional stability. Payments may be delayed unless you stay on top of schedules. Your studies may feel stable without major highs or lows.

Love Focus: Keep things casual only if both of you are clear about intentions.

Lucky Number: 7

Lucky Colour: Beige

Leo (July 23–August 23)

Health could benefit from mindful eating, with room for small treats. Career advancement may come with added duties that test your stamina. Academic growth may feel gradual, but steady effort pays off. Wise financial moves, especially in investments, call for moderation today. Family discussions might stir tension, yet they can improve communication over time.

Love Focus: Even if the moment is imperfect, heartfelt gestures still carry meaning.

Lucky Number: 6

Lucky Colour: Orange

Virgo (August 24–September 23)

Global networking may open doors to fresh career paths. Strong finances could make clearing debts easier today. Sharing home-cooked traditions might bring warmth and inspiration. Travel today may lead to unexpected discoveries. Exploring new study topics could ignite clarity and excitement.

Love Focus: Accepting differences in your bond may bring peace and strengthen mutual respect.

Lucky Number: 5

Lucky Colour: Magenta

Libra (September 24–October 23)

Tension in family talks might reveal underlying issues that need attention. Keeping a check on spending today can help maintain financial stability. Stay focused at work and avoid getting involved in gossip. Property rentals may face brief disruptions due to tenant issues or minor repairs. Seasonal mood changes may arise; give yourself space to process them.

Love Focus: Fatigue in love may signal a need to re-evaluate your emotional investment.

Lucky Number: 4

Lucky Colour: Golden

Scorpio (October 24–November 22)

Engaging in strength training may improve flexibility if you allow time for recovery. Your ability to guide others may inspire transformation in your work environment. Financial logs can help you keep track of transactions and resolve potential discrepancies. The day’s journey may leave you with memories to cherish and stories to share.

Love Focus: Courageously expressing your feelings may help remove long-held doubts.

Lucky Number: 3

Lucky Colour: Dark Grey

Sagittarius (November 23–December 21)

Redirecting ambition into productivity may lead to powerful results in your career. Property discussions may be slow, but thoughtful layout choices will pay off. Emotional warmth from a family memory might lift your spirits. Monetary discipline ensures your recurring costs remain manageable. Students may find a balanced pace in their studies today.

Love Focus: Celebrating small milestones today may reaffirm the strength of your connection.

Lucky Number: 2

Lucky Colour: Peach

Capricorn (December 22–January 20)

You may need to revise your study approach if progress feels slow. Financial support from side ventures may add to your primary income today. New job openings may arise but will bring intense competition. Budget for unexpected building costs to avoid unnecessary pressure during renovation. Train journeys may require flexibility in seating, so stay alert.

Love Focus: Emotional fatigue may signal the need to pause and reset your relationship goals.

Lucky Number: 18

Lucky Colour: Silver

Aquarius (January 21–February 19)

Planning your meals with intention may support your health more than restrictive choices. Household harmony may be restored today through your calming presence. Financial tracking may highlight areas where you can cut back for better savings. At work, refining team coordination could improve efficiency. Renovation work may move slowly but progress is still on the horizon.

Love Focus: Introducing your partner to family needs patience, good timing, and feeling ready.

Lucky Number: 1

Lucky Colour: Cream

Pisces (February 20–March 20)

A casual discussion at work may reveal surprising insights that improve your current project. Your study sessions may feel unproductive, but staying committed will eventually lead to progress. Budgeting adjustments may be required to accommodate fluctuating household costs. Travel gadgets may save time and prevent avoidable stress on your trip.

Love Focus: Enjoy the early excitement of new romance while letting it unfold at its own pace.

Lucky Number: 17

Lucky Colour: White

By: Dr. Prem Kumar Sharma

(Astrologer, Palmist, Numerologist & Vastu Consultant)

Email: [email protected]

Url: http://www.premastrologer.com

Contact: Panchkula: +91-172-2562832, 2572874

Delhi: +91-11-47033152/40532026

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