Hey hey! I (21F) have just secured my first job in a year (personal health reasons) and I'm looking to start saving and getting an idea of what my income split %'s should be! Positives: \-Indianapolis, IN \-14$/h full time hours (after training) \-100$/M in rent currently to folks to live at home / gas / electric \-Parents both have LITERALLY NO CREDIT SCORE and have only paid in cash their entire life, obviously I have no debt \-Main priority in future apartment is affordability \-Some sort of car to take me from A to B Negatives: \-No savings atm \-Lower class upbringing, low/no financial help from parents/family expected If I forgot anything, please let me know! I'm an open book

I had 4 layoff in 3 years. I’m drowning. Lease up for Renewal they jacked rent up too much. I declined, they countered but wouldn’t go as low as “new residents” rates so I’m just moving out. The apt was too much to for me begin with but that’s all there was. New job I get 28.25 an hour. Mandatory 7% contribution for pension but they match it 2:1, 10 year vesting. I went with HDP healthcare with an HSA. It’s 15$ per paycheck not including hsa contribution. I have 38,000 is student loans and 19grand on a 21% interest credit card bc while I was unemployed I hoarded all cash coming in for rent, so rent would get paid, and put living expenses on credit card only making minimum payments. I ask them for 0% interest a couple times when I got layoff notices bc I knew I was going to be charging it up, and they actually did it. It’s expired now. I don’t have car payment. I’m a mechanic so it only cost me parts to fix my car. It going to cost me about 400$ month for storage unit and gym membership. I need a 10x30 bc I have a second car… all my furniture was my grandmothers and aside from being nicest stuff I’ve ever had, I can’t bear to part with it bc it was hers. I’m emotionally attached to the 2nd car too so that ain’t getting sold either. I was homeless for 3yrs in my late 20s (same two cars) bc I was so desperately poor. Only job I could get was paper carrier. you bet, I pushed that thing around parking lots every 3 days. It never got towed. I want to be ok when I’m old bc I’m not ok now. Maybe wondering what I was doing in my 20s and 30s. I was trafficked, ok. I spent my 30s trying to climb out of the gutter with no support and get the job skills I have now. I used those student loans to pay rent. Rent rent rent. I don’t wanna deal with it anymore.