33M. Los Angeles. 108k ($52/hour). Just paid off 24k student at once. $7k in bank account. 3k in HYSA.
Just changed 401k from 2% to 15% which takes effect end of month. Also planning on investing $7k into Roth IRA s&p 500 (1k so far).
I’m not sure what these two changes will feel like but it will be up to $2k less a month which I’m nervous about.
I’m anticipating having like a couple hundred left over every month.
I can do two extra hours over time every shift which is $175 each time but I’m very nervous about that. I get anxious even when I have to stay a bit after because of a late patient or something. But maybe chosen OT will feel better than forced.
In your opinion, with my income and new contributions, is it advised to suck it up and work OT regularly? Or value free time and just live more frugally?
I also have a per diem side job that pays $47/hour plus standby pay and I do that 1-2 a month for about $600 per shift so an extra 3500-7000 a year from that job.
Submitted May 22, 2024 at 12:48AM by SaltyAqua77 https://ift.tt/ERh53w9
