Hey guys, here’s my budget! I’m a 27-year-old female with a 6-month-old child. My gross pay is $82k, and net is $57k. I contribute 12% to my 401k with a 6% employer match. I’ve got a mortgage of $1312, and I’m currently rebuilding my savings after paying off my car. I plan to up my 401k once I rebuild my savings to $15k. Would love to hear your thoughts!
Wow, you are doing really good!
Thank you 
I want to retire early, so I’m trying to get my house paid off to max out retirement for a few years after that. Maybe get a part-time job I enjoy.
Tavi said:
Thank you
It seems like you are well on your way to that. Good job!
Tavi said:
Thank you
I appreciate that, thank you fr.
I would stop putting extra to your house and build your emergency fund back up ASAP. Not having a fully funded emergency fund puts you at risk of high-interest debt. Your investments look solid, too!
Congrats on paying off your car! That’s a huge accomplishment. I love that you’re prioritizing saving and paying down your mortgage. It’s clear you’re setting yourself up for a strong financial future.
Try using this sheet. It’s super easy to use and I love it! https://exceltists.etsy.com/listing/1668101310/simple-personal-budget-tracker-for