Happy to shed some light. I work in tech as a Product Designer/Product Manager and my fiancé works in influencer marketing as a Talent Manager, I’m 26 and she’s 25. She’s been working in her field since she’s been around 20, and I’ve been working in my field (in a round about way) since I was 19 years old. We are incredibly fortunate and privileged to be able to do very well for our age and tech and talent management happen to pay very well! We actively put away in savings and working now to build some semblance of an investment portfolio cause deez are things that ya need to do if you wanna retire and shit
. I wouldn’t say I go crazy on vinyl tbh, I have a $100 vinyl budget that definitely occasionally flexes past that.
I think something that’s helped me a lot is just really understanding delayed gratification as a concept. I lived off very little for a long time and made sure that I made sacrifices in other areas of my life so that I could invest in the things that truly bring me lasting joy. Even still making a considerable amount we still meal prep dinner and lunch and live off of lots of stews, soups, and what my friends refer to as “mushy foods”
because they’re tasty and you can make a lot of it for not a whole lot. We’re very conscious of how seemingly innocent spending habits like eating out or grabbing coffee can creep up into a huge yearly expense and pull from your pocket! If I were you I’d sink your vinyl budget down to like $50/m (that was mine when I was making around $40,000/yr) and one could argue that’s too much lmao and start putting money away for a rainy day fund. Our first step was making sure we had a $500 emergency fund, once you get there the saving bug gets you and you’ll start saving and planning your big purchases out years in advance. Example, I’ve had to fight the fomo of grabbing Wharfdale Lintons these past few months cause even though I have the money I know I would put myself in a much better position by setting a goal and saving for it over the next year or so. Vinyl is dope but financial stability is way cooler. If I were you I would download an app like Digit to start mindlessly saving! My DMs are always for a longer conversation!
For context: we probably eat out 1-2 times a month for under $75