unbox my $170k paycheck with me!

🏦 I don't have student loans or consumer debt, kids, or a house. If I did, I would likely be investing less and putting more money toward my short-term savings.

🌧️ I already have a fully-funded emergency fund with about 5-6 months of expenses in my HYSA, so I am no longer putting money toward that. 

🧾 When I spend less than expected on 'needs' in a month, and have excess left over in my checking account, I send the excess either to savings or investments. I always leave a buffer of about $2k in my checking account though.

⚙️ Everything I've talked about so far is completely automated so I don't have to rely on my own memory or motivation to make good financial decisions. The one aspect of my payday routine that's still manual is calculating & updating my net worth in my net worth tracker 😁

I also make money from content creation, which I handle a little differently from my 9-5 income. Follow-up video to come on that, if people are interested.

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