Monthly Credits
$635/year
Quarterly Credits
$700/year
Semi-Annual Credits
$700/year
Annual Credits
$709/year
Travel Benefits
Protection
Hotel Status
Car Rental Status
Income Overview
Monthly
Gross Pay$7,083
401k Contribution-$425
Tax/FICA/Benefits-$1,444
Net Take Home$5,214
Credit Card Annual Fees
Set aside: $102/mo
Amex Platinum$895
Amex Gold$325
Blue Business Plus$0
Total Annual Fees$1,220
Needs (50%)
Target: $2,607
Savings (20%)
Target: $1,042
Wants (30%)
Target: $1,564
Recommended Account Structure
Checking Accounts
Primary Checking
Bills, daily expenses, direct deposit
Buffer Account
1 month of expenses (~$5,200)
High-Yield Savings (HYSA)
Emergency Fund
3-6 months expenses (~$15,600-$31,200)
Vacation/Travel Fund
For planned trips and adventures
Large Purchases Fund
Car, furniture, electronics, etc.
Investment Accounts
Roth IRA
Max $7,000/yr ($583/mo) - Tax-free growth
Brokerage Account
After maxing 401k + Roth IRA