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Reply to "Millennial making 45k - how feasible does this budget sound?"
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[quote=Anonymous]I am probably your parents age....mid 50's. I think you are doing fine. When I first started out (earning less with a PhD), my expenses were similar. The big thing is to keep putting the money in the 401K. And to not take on any (additional) debt. At 25, not many things can go wrong (health wise), except avoid pregnancy. The reason for the safety cushion of 6 months is because 1) the time it takes to find a new job, and 2) what happens if you get sick and can't work? The medical bills will blow past 10K in no time -- except your insurance probably has a maximum out of pocket. (that happened to me at 48, but I had disability insurance). When your car is paid off, pocket the extra money. Your rent is reasonable. Hair care? I am not one to ask; I get a $15 haircut every three months. Health insurance, don't touch. The only way I see for real saving is to increase the income or move home. [/quote]
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