It’s Per$onal #74 – Age 25, Charlotte, NC


It’s Per$onal is an anonymous blog series designed to shed light on the intricate details of the personal finances and lifestyles of women.

its personal




How old are you?



Where do you live? City and State (or Country if outside the U.S.)

Charlotte, NC


What is your highest level of education?



Are you single or married?



If you are married, do you and your spouse have joint or separate finances?


Do you have any children or dependents? If yes, please explain.



What is your total monthly rent / mortgage for your household?



Has Covid-19 impacted you financially in any way?

Prior to Covid, I had a second job as a server on the weekends. I am definitely spending less now because I don’t have the extra income nor am I going out to eat/drink as often.


What is your current occupation? If not currently employed, please say “Not Employed”

Internal Auditor


What is your yearly salary (or approximate yearly compensation) for your current occupation?

$62,000 – $67,000 depending on bonuses


If you are currently employed, do you like your job? Why or why not?

I am beyond thankful to have a job and I think I am in a good position to be in at my age, but I don’t see myself staying in this role over 2 years. I’d love to transition to a more finance related role.


Do you have a second job or side hustle? If Yes, please explain.

Not currently


If you have a second job or side hustle, about how much money do you make monthly from your second job / side hustle?



Do you budget on a consistent basis? If so, please explain how you currently budget:

I don’t typically budget what I am allowed to spend, but I always keep track of how much I spent/saved/invested at the end of each month.


Are you debt-free?



If you are debt free, how much debt have you paid off and how long did it take you to pay it all off?

I am almost completely debt free, I have paid off $40,000 since I finished school in 2017.

Do you have any student loan debt currently?



If yes, about how much student loan debt do you have?



What is your monthly student loan payment amount?


Do you have any credit card debt?



If Yes, about how much credit card debt do you have currently?


Do you have any other kinds of debt? If Yes, please explain:



Do you know what your credit score is?



If Yes, what is your credit score?


Are you currently saving for retirement?



If yes, about how much do you have saved for retirement?



What does an ideal retirement look like for you?

I want to retire in a house that is paid for, live comfortably, travel with family and not have to worry about overspending


What’s your biggest purchase of 2020?

Student loan payments – $15,000 this year


Biggest purchase of your life?

My education


What do you spend money on that brings you joy?
Food/drinks, home decor, nail/skin/hair care


What are your short term money goals, if any? ( < 1 year)

1. Finish paying off student loans

2. Change my 401k contributions from 10% to 15%

3. Have a $70,000 net worth before turning 26


What are your long term money goals, if any? ( > 1 year)

1. Have 100k invested before turning 28

2. Have 250k net worth by 30

3. Put down 20% on a new home


What is your #1 financial concern right now?

Investing as much as possible and saving to be able to travel when things are safer


What financial victory/success are you most proud of?

1. Paying off my car 3 years early when I was 22

2. Paying off (most of) my education in 3 years

And doing these things without any help


Anything we didn’t ask about you that you want to include?



It’s Per$onal is an anonymous blog series designed to shed light on the intricate details of the personal finances and lifestyles of women.


it's per$onal

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About Taylor

A few years after graduating college, Taylor made it her mission to become debt free. After paying off all $60k of debt, she began to blog about what she's really passionate about: personal development. Nowadays, Taylor blogs about the topics of Mindset, Money, Health, and Career for women.

"It's Per$onal" is a super popular and anonymous blog series about the personal lives and finances of women all over the world. Check it out!

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