Our Rich Journey - Ultimate Financial Independence Budget
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PAY YOURSELF FIRST Copy Right: Our Rich JourneyThis document is a copywritten product of Our Rich Journey and may only be used for personal use. This product cannot be used for sale or commerical purposes without the expressed written consent of Our Rich Journey.
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(ULTIMATE FINANCIAL INDEPENDENCE BUDGET)
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INCOME
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MONTHLYANNUALLY
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TAKE HOME PAY (COUPLE)$8,333$100,000
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RENTAL INCOME$500$6,000
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SIDE HUSTLES (FB MARKETPLACE, AIRBNB, ETC)
$1,000$12,000
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PASSIVE INCOME (DIVIDENDS, DIGITAL, ETC)$700$8,400
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TOTAL INCOME$10,533$126,400
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EXPENSES
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PAY YOURSELF FIRST (PYF) - Savings & Investing
MONTHLY ANNUALLY
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EMERGENCY FUND$100$1,200
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SHORT TERM SAVINGS$200$2,400
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RETIREMENT CONTRIBUTIONS (PRE-TAX/401K)$3,167$38,000
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HEALTH SAVINGS ACCOUNT (PRE-TAX)$583$7,000
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RETIREMENT CONTRIB. (POST-TAX/ROTH IRA)$1,000$12,000
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BROKERAGE ACCOUNTS (STOCKS, BONDS, & CDS)
$1,400$16,800
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TOTAL PYF$6,450$77,40061%Saving Rate is Total PYF divded by Income. Mutliply by 100
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HOUSEHOLDMONTHLYANNUALLY
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RENT/MORTGAGE$1,500$18,000Summary Data (Totals)
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INSURANCE (RENT/HOMEOWNERS)$15$180CatagoryExpense ($)Expense (%)
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MAINTENANCE$100$1,2001
PAY YOURSELF FIRST (PYF) - Savings & Investing
$6,45061.25%
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CABLE/INTERNET$50$6002HOUSEHOLD$2,00519.04%
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CELL PHONE$40$4803FOOD$8908.45%
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UTILITIES$300$3,6004
TRANSPORTATION
$3953.75%
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TOTAL HOUSEHOLD$2,005$24,0605
PERSONAL CARE
$3503.32%
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FOODMONTHLYANNUALLY6
ENTERTAINMENT & TRAVEL (VACATIONS)
$2412.29%
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GROCERIES$500$6,0007TOTAL DEBT$200.01.90%
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EATING OUT - BREAKFAST$100$1,200TOTAL $10,531100.00%
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EATING OUT - LUNCH$100$1,200
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EATING OUT - DINNER$150$1,800
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LATTE FUND$20$240
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HAPPY HOUR$20$240
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TOTAL FOOD$890$10,680
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TRANSPORTATIONMONTHLYANNUALLY
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CAR INSURANCE$75$900
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GAS $50$600
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MAINTENANCE$60$720
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PARKING/TOLLS/TICKETS$30$360
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VEHICLE REGISTRATION/ROAD TAX$30$360
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PUBLIC TRANSIT$50$600
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USED CAR FUND$100$1,200
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TOTAL TRANSPORTATION$395$4,740
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PERSONAL CAREMONTHLYANNUALLY
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HAIRCUT$30$360
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SALON$40$480
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ADULTS CLOTHES$50$600
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KIDS CLOTHES$60$720
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GYM MEMBERSHIPS$20$240
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KIDS SPORTS & SCHOOL SUPPLIES$100$1,200
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GIFTS (BABY SHOWERS, B-DAYS, FAREWELLS)$50$600
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TOTAL PERSONAL CARE$350$4,200
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ENTERTAINMENT & TRAVEL (VACATIONS)MONTHLYANNUALLY
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TRAVEL HACKING TAXES$30$360
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AIRBNB STAYS$50$600
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THEME PARKS$50$600
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THEATRE$20$240
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PRO-BASKETBALL GAME$25$300
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MISC FAMILY ACTIVITY$40$480
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SPOTIFY$15$180
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NETFLIX/MOVIES$11$132
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TOTAL ENT & TRAVEL$241$2,892
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DEBTMONTHLYANNUALLY
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STUDENT LOANS$150.0$1,800.0
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CREDIT CARD$50.0$600.0
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TOTAL DEBT$200.0$2,400.0
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INCOME vs EXPENSES
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TOTAL INCOME$10,533$126,400
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TOTAL EXPENSES$10,531$126,372
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DOLLARS NEEDING A JOB$2$28
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NOTES:
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Contact the creators of this budegt at: contactus@ourrichjourney.com or visit www.ourrichjourney.com
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Continue to contribute to your emegerncy fund every month to keep up with inflation
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