Occupation: PhD student, Social media content creator
Industry: Engineering
Age: 24
Location: Boston, Massachusetts
Salary: $ 96,000 ($ 48,000 allowance + approximately $ 30,000 in parallel concerts (in May 2021) + $ 18,000 in financial support from parents)
Net value : $ 143,000 (Assets: $ 5,000 in cash between personal and business checks / savings (I have an LLC pass-through), $ 35,000 in a brokerage account (stocks and mutual funds), $ 100,000 in another brokerage account (mutual fund), $ 7,000 in an IRA Total debts / liabilities: $ 1,600 remaining on an Affirm loan at 0% interest rate, ~ $ 2,000 in card debt credit.)
Debt: $ 3,600 between Affirm loan and credit card debt (see above)
Paycheck Amount (PhD is 2x / month, Social Media and Parents are 1x / month): $ 2,000 (doctorate) + ~ $ 1,200 (side concerts) + $ 1,500 (parents, not an actual paycheck)
Pronouns: she she

Monthly expenses
Rental: $ 3,085 (a bed + den in a controlled access building in an expensive part of Cambridge, no roommates)
To affirm: $ 466 (six month loan at 0% interest rate for furniture)
Utilities: $ 50
The Internet: $ 60
Call: $ 110 (monthly plan + financing for an iPhone 11 Pro Max)
CrossFit Gym: $ 259 (I’m fully vaccinated and started going back this month)
Nutritional coaching: $ 125
Donations: ~ $ 100 (Fair Fight, Planned Parenthood, Girls Who Code, Specific URM Programs at my Undergraduate Institution)
Platoon application: $ 0 (my credit card reimburses me)
Daily harvest: $ 200
Subscriptions: $ 100 (Netflix, Spotify, Amazon Prime, HBO Max which I shared with a friend, NYT, Boston Globe, NY Mag)
IRA: $ 200
Investment in mutual funds: $ 100
HYSA: $ 200
Rainy Day Fund: $ 100
Taxes: $ 400 (I have a scholarship, so no deduction)