salary

• 15/hr = 2600/mo = 31200/yr
• biweekly paycheck: 1200

401k (4% match 100%, +2% match 50%)

• 10% into 401k
• (before tax) 120 bw

after taxes and benefits estimate

• biweekly: 1080
• health: free
• dental: 9.18
• vision: 2.06
  • biweekly = 1069
  • monthly = 2138

MONTHLY EXPENSES

• rent/mortgage:
  • 2000/4 = 500
• renters insurance:
• hoa: **covered by landlord
• water: 40/4 = 10
• sewage:
• electricity/heat: 130/4 = 33
• internet: 70/4 = 18
• cellphone: 70
  • with family plan: 50 (-20)
• car insurance: 130
• gas: 100
• loans: 200
• groceries: 250

TOTAL: $1241

• 2138-1241 = 897

FUTURE

• savings (~30%): 270
• savings (~20%): 180

LEFTOVER627~717