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  • My name is Melissa Herlitz.

  • I am a city planner, and I make $62,000 a year.

  • My personality is to worry about everything,

  • so money is one of them, of course,

  • but in general, I think my husband and I manage our finances very well.

  • We lead a comfortable life.

  • We get to enjoy the things that we want to.

  • We get to go out to dinner, go on vacation,

  • visit our family, so I don't think that we're wanting for much.

  • When my husband and I first moved to New York City,

  • my salary was quite a bit lower than it is now.

  • I was making about $50,000 a year,

  • so we picked what we thought was a more affordable place in Queens,

  • about $1,800 a month for a one-bedroom apartment.

  • As my salary increased and as his salary increased,

  • we were itching to move to a new neighborhood to live closer in so that we...

  • We wanted to not have to commute via subway every day,

  • so we looked toward moving to Manhattan.

  • Living in Manhattan wouldn't have been possible under the initial salary that we were hired on when we moved to New York City.

  • That's only possible because our salaries have grown over the last 3 and half years.

  • Also, living in a neighborhood that you like that has a lot of fun amenities

  • means that you're tempted by those amenities, those restaurants,

  • those places to shop, get ice cream, get coffee.

  • I think we spend a lot more doing things outside of the house than we did before,

  • partly because there's a lot nearby but also because our apartment's really small,

  • and we don't like spending a lot of time in our apartment.

  • When we meet up with friends, we don't host them.

  • We used to do that when we lived in Virginia and in Queens,

  • and now, we go out to dinner with friends,

  • so those are things that I don't think about regularly

  • but are definitely a factor of my increased salary.

  • My husband and I have always made decisions together really easily,

  • so it made sense when we got married to combine our income into one bank account rather than keep it separate.

  • We actually found that when we were dating it was really challenging to keep separate accounts,

  • and the reason was we were always trying to figure out

  • what percentage we each contributed toward a certain thing

  • depending on how much our respective incomes were

  • to make sure it was fair, you know,

  • so I have always actually made less than my husband,

  • so it would be 40% of my paycheck toward rent

  • and then 40% toward this and that,

  • and it actually seems like more work to keep our finances in separate bank accounts for our purposes,

  • and we knew that we trusted each other to make certain decisions

  • or to spend as we wished and talk about it later,

  • so we were able to work through those kinds of issues really well.

  • Of course, that still comes up regularly, like,

  • "I can't believe you just spent $150 to buy new clothes,"

  • or something like that,

  • so those are conversations that we will always continually have,

  • but it's really so much easier to have our incomes combined to one bank account

  • to just pay all of our expenses directly from that rather than doing the math every month.

  • My husband tends to be more interested in the numbers and the Excel sheets,

  • and so he actually has an Excel sheet that allows him to project out in the future

  • how much will be in our bank account after X, Y and Z bill comes through,

  • and he enjoys knowing that to make sure there's enough money in our account to cover certain debit payments.

  • I don't think that's how I would manage the money if I was living alone,

  • but it's really great, and it works for both of us.

  • My husband and I talk about how our spending is going,

  • not every day but at least every week.

  • We kind of check in, and I think we both have a sense, whether or not we look at the Excel sheet, how we're doing.

  • We know, for example, we just got back from a trip.

  • We went out to eat.

  • We took our friends out.

  • We did a lot of fun things that, you know,

  • this month we'll have to be a little lighter on our spending while we're in the city.

  • We both want to retire at a reasonable age,

  • so I think that drives a lot of our decisions,

  • and doing things like taking out contributions toward retirement in a pre tax system

  • rather than waiting to make that decision after you get your paycheck,

  • that helps me forget about that money.

  • I pretend that that money doesn't even exist when it goes toward our retirement account.

  • Right now, my husband and I have about $100,000 in retirement combined.

  • Our goal is to put as much into that account early on in our careers

  • and maybe slow that down over time.

  • My old job, I worked for the University of Virginia,

  • and they matched my retirement contributions,

  • and I felt that my retirement account grew a lot bigger more quickly when I was working at the University of Virginia

  • because of that supplementary investment on behalf of the university.

  • At my current job, the city does not contribute toward my retirement account.

  • All the money that goes into my 401(K) is taken directly from my paycheck.

  • I think in the future, you know,

  • of course, I want a job that I enjoy,

  • hopefully working on climate change,

  • hopefully working as a city planner,

  • but another thing I would consider moving forward is

  • does the employer contribute to your retirement account

  • because that can make a world of a difference.

  • I would like to start focusing more on saving for a down payment for a house.

  • I think it would be really great to have that investment secured

  • so that worrying about rent every month doesn't kind of hang over our heads,

  • and instead of saying goodbye to $2,400 a month,

  • we're reinvesting that back in ourselves,

  • and I think that will pay off in the long term when we think about retirement, as well.

  • We also have a small savings set aside for both of our nieces.

  • We try to contribute semi-regularly to that fund, so that's not a fund for us,

  • but I think I'm hopeful that we can do for our nieces what my grandparents did for me,

  • and maybe there will be a little bit of money for them to go to college

  • or for them to have a down payment in the future,

  • so I'm hopeful that we can keep contributing to that, as well.

My name is Melissa Herlitz.

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シティプランナー|私の予算と将来の計画|第3回|カーンアカデミー (City Planner | My budget & planning for the future | Part 3 | Khan Academy)

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    Boyeee に公開 2021 年 01 月 14 日
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