Engineer in Silicon Valley, CA — Money Diary


Occupation: Engineer
Industry: Robotics
Age: 25
Location: Silicon Valley, CA
Salary: $147,000 ($132,000 base and $15,000 RSUs, with bonus historically between $10,000 and $20,000).
Net Worth: ~$205,000 (checking/savings: $6,174, HYSA: $5,024, investments: $96,077, individual stocks: $1,694, Roth IRA: $25,032, 401(k): $62,870, HSA: $8,520).
Debt: $0
Paycheck Amount (biweekly): $2,896
Pronouns: She/her

Monthly Expenses
Rent: $1,280 (I have a small room in a three-bed apartment that I share with two friends and a dog).
Utilities: ~$60-$80
Internet: $25
Spotify: $5
Phone: $25
Parents’ Electricity/Gas Bills: ~$100-$150
Health/Dental/Vision Insurance: $57.06 (pre-tax).
HSA Contribution: $242.30 (pre-tax).
401(k): $1,576.76 (pre-tax).

Annual Expenses
Costco Membership: $30 (my share with my roommates).
Donations: ~$1,500 (I donate in chunks to make better use of matching funds from my employer/fundraising campaigns. Last year, I donated to the local food bank and an all-girls robotics team).
Renter’s Insurance: $96



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