Couple things to note:

- I have no debt whatsoever and already have a 6 month emergency fund in a HYSA. 

- My side gig consists of being a remote grader of a class for one of my old college professors. I work 10 hours a week during the school semesters for $30/hr. It's a great gig and I'm thankful for the extra money, I plan to do this for however long my professor continues teaching (including this upcoming year). 

- These expenses figures were taken my Chase app as I do the vast majority of my purchasing on my Chase credit card (besides housing which I pay directly to the landlord) and pay it off at the end of every month but it isn't a 100% accurate representation of my spending. 

- Eating out is definitely my biggest vice but the $6,600 figure isn't completely accurate as I'm usually the one who puts my card down whenever I'm out with friends or at a work outing and just get paid back or reimbursed from my company. This makes up a large portion of my digital payments. I'm still going to focus on eating out less and cooking more at home in 2026 for both the financial and health benefits.

- My Furniture category has a large amount of expenses because I work for a furniture company and receive a hefty discount so I often buy items for friends and family from my employee account and have them pay me back. This is another big reason why my digital payments are so high.

- I don't have any big financial changes planned for for 2026. I'll continue to max out my Roth IRA and HSA, if I get promoted at work then I'll increase my Roth 401k contributions to balance out the increased salary bump to minimize lifestyle creep as much as possible. 

My 2025 expenses and investments as a 24 year, one year post-grad