Adulting Finances · learner-created educational plan
My Financial Plan
Maya · As of October 2, 2026
What this document is
This document was written by its owner, using the tools in The Adulting Finances Program from Adulting Finances. It is a learner-created educational plan.
It is not a financial plan prepared, reviewed, approved or endorsed by a financial professional, and it is not personalized financial, tax, legal or investment advice.
Every number in it is either something its owner entered or calculated from numbers they entered: a sum, a monthly average, or, where a saved decision is included, what a comparison tool worked out from the figures entered for it. It uses no investment returns, no inflation rate, and no tax rates or limits.
Some sections may have been left out by its owner. Do not assume a missing section is empty.
Information still to find
Nothing is marked as still to find.
Life changes still open
No open life changes are recorded.
Next steps
- ☐ Set up an automatic transfer to savings on payday, until the emergency reserve reaches its targetYou · Due October 15, 2026
- ☐ Read the Roth versus traditional lesson before my next raiseYou · Due December 31, 2026
Financial baseline
The monthly numbers every other decision starts from.
In progress
- Monthly take-home pay
- $4,150
- Monthly essential spending
- $2,683
Take-home pay
Estimated · as of October 2, 2026
- Take-home pay each pay period
- $4,150
- How often
- Monthly
Rent
Estimated · as of October 2, 2026
- Amount (monthly)
- $1,450
- Essential
- Yes
Utilities and internet
Estimated · as of October 2, 2026
- Amount (monthly)
- $150
- Essential
- Yes
Groceries
Estimated · as of October 2, 2026
- Amount (monthly)
- $400
- Essential
- Yes
Transportation
Estimated · as of October 2, 2026
- Amount (monthly)
- $240
- Essential
- Yes
Renters and car insurance
Estimated · as of October 2, 2026
- Amount (monthly)
- $150
- Essential
- Yes
Phone and subscriptions
Estimated · as of October 2, 2026
- Amount (monthly)
- $95
- Essential
- No
Dining and fun
Estimated · as of October 2, 2026
- Amount (monthly)
- $350
- Essential
- No
Everything else
Estimated · as of October 2, 2026
- Amount (monthly)
- $250
- Essential
- No
Net-worth snapshot
Where you stand today, so you can see direction over time.
In progress
- Total assets
- $5,600
- Total debts
- $27,000
Checking and starter savings
Estimated · as of October 2, 2026
- Kind
- Cash
- Balance
- $2,400
401(k)
Estimated · as of October 2, 2026
- Kind
- Retirement
- Balance
- $3,200
Emergency reserve
How much cash protects your plan, and where it lives.
In progress
- Target months of essential spending
- 3 months
- Target amount
- $8,049
- Current emergency savings
- $2,400
- Where it’s kept
- A savings account at my bank, separate from checking, so I can move it the same day but don’t see it every time I pay for something.
Debt strategy
How you’re handling each debt, and why.
In progress
- Payoff method
- Minimum payments for now, with reasons written down
- Payoff order
- Student loans: $27,000 at 5.5%. My only debt. Minimum payments until my emergency reserve reaches its target; after that, extra money goes here.
Student loans
Estimated · as of October 2, 2026
- Kind
- Other
- Balance
- $27,000
- Interest rate (APR)
- 5.5%
- Minimum payment
- $293
Benefits review
The compensation you’re already entitled to, used on purpose.
In progress
- My employer match formula
- 100% of the first 4% of pay
- Contributing enough for the full match
- Yes
- HSA or FSA decision and why
- I’m on the HSA-eligible plan. It costs less in most years and my employer adds money to the HSA, but its worst case costs more, so the HSA balance is part of how I’d cover a bad year.
Workplace retirement plan
Estimated · as of October 2, 2026
- Kind
- Retirement
- Plan type
- 401k
- Employer match
- 4%
- Your contribution
- 5% of pay
- Checked against a plan document
- Not yet
Retirement contribution plan
How much goes to long-term accounts, and which ones.
In progress
- Workplace plan contribution
- 5%
- How contributions grow
- When my pay goes up, I’ll look at this again before the raise reaches my checking account.
Action plan
Specific next steps with dates.
In progress
Assumptions appendix
Every calculated or estimated number above, and every assumption written down, with how it was made.
- Monthly take-home pay · How a number was calculatedEach income record's take-home pay is converted to a monthly average (pay periods per year: weekly 52, biweekly 26, semimonthly 24, monthly 12; an irregular amount is already a monthly average), then the averages are added together. It assumes every pay period is the same amount. Source: 1 income record, as a monthly average.
- Monthly essential spending · How a number was calculatedThe monthly amounts of the costs the learner marked essential (an annual cost divided by 12), plus the minimum payment on each debt record that applies. A cost still marked "need to find" is left out. Source: 5 costs marked essential in Money OS, plus the minimum payments on 1 debt.
- Financial baseline: Take-home pay · Marked as an estimateYou marked this record as an estimate, as of 2026-10-02.
- Financial baseline: Take-home pay · Carried over from the earlier Plan BuilderCarried over from the earlier Plan Builder and not yet reviewed; treat the figures as unchecked until confirmed.
- Financial baseline: Rent · Marked as an estimateYou marked this record as an estimate, as of 2026-10-02.
- Financial baseline: Rent · Carried over from the earlier Plan BuilderCarried over from the earlier Plan Builder and not yet reviewed; treat the figures as unchecked until confirmed.
- Financial baseline: Utilities and internet · Marked as an estimateYou marked this record as an estimate, as of 2026-10-02.
- Financial baseline: Utilities and internet · Carried over from the earlier Plan BuilderCarried over from the earlier Plan Builder and not yet reviewed; treat the figures as unchecked until confirmed.
- Financial baseline: Groceries · Marked as an estimateYou marked this record as an estimate, as of 2026-10-02.
- Financial baseline: Groceries · Carried over from the earlier Plan BuilderCarried over from the earlier Plan Builder and not yet reviewed; treat the figures as unchecked until confirmed.
- Financial baseline: Transportation · Marked as an estimateYou marked this record as an estimate, as of 2026-10-02.
- Financial baseline: Transportation · Carried over from the earlier Plan BuilderCarried over from the earlier Plan Builder and not yet reviewed; treat the figures as unchecked until confirmed.
- Financial baseline: Renters and car insurance · Marked as an estimateYou marked this record as an estimate, as of 2026-10-02.
- Financial baseline: Renters and car insurance · Carried over from the earlier Plan BuilderCarried over from the earlier Plan Builder and not yet reviewed; treat the figures as unchecked until confirmed.
- Financial baseline: Phone and subscriptions · Marked as an estimateYou marked this record as an estimate, as of 2026-10-02.
- Financial baseline: Phone and subscriptions · Carried over from the earlier Plan BuilderCarried over from the earlier Plan Builder and not yet reviewed; treat the figures as unchecked until confirmed.
- Financial baseline: Dining and fun · Marked as an estimateYou marked this record as an estimate, as of 2026-10-02.
- Financial baseline: Dining and fun · Carried over from the earlier Plan BuilderCarried over from the earlier Plan Builder and not yet reviewed; treat the figures as unchecked until confirmed.
- Financial baseline: Everything else · Marked as an estimateYou marked this record as an estimate, as of 2026-10-02.
- Financial baseline: Everything else · Carried over from the earlier Plan BuilderCarried over from the earlier Plan Builder and not yet reviewed; treat the figures as unchecked until confirmed.
- Total assets · How a number was calculatedThe balances of the account records that apply, added together as of each record's own date. Source: 2 account records.
- Total debts · How a number was calculatedThe balances of the debt records that apply, added together as of each record's own date. Source: 1 debt record.
- Net-worth snapshot: Checking and starter savings · Marked as an estimateYou marked this record as an estimate, as of 2026-10-02.
- Net-worth snapshot: Checking and starter savings · Carried over from the earlier Plan BuilderCarried over from the earlier Plan Builder and not yet reviewed; treat the figures as unchecked until confirmed.
- Net-worth snapshot: 401(k) · Marked as an estimateYou marked this record as an estimate, as of 2026-10-02.
- Net-worth snapshot: 401(k) · Carried over from the earlier Plan BuilderCarried over from the earlier Plan Builder and not yet reviewed; treat the figures as unchecked until confirmed.
- Debt strategy: Student loans · Marked as an estimateYou marked this record as an estimate, as of 2026-10-02.
- Debt strategy: Student loans · Carried over from the earlier Plan BuilderCarried over from the earlier Plan Builder and not yet reviewed; treat the figures as unchecked until confirmed.
- Benefits review: Workplace retirement plan · Marked as an estimateYou marked this record as an estimate, as of 2026-10-02.
- Benefits review: Workplace retirement plan · Carried over from the earlier Plan BuilderCarried over from the earlier Plan Builder and not yet reviewed; treat the figures as unchecked until confirmed.
- Dates · How to read this documentEach record carries the date its values were true. The document itself is as of 2026-10-02; a figure dated earlier may have changed.
- Amounts · How to read this documentAmounts are shown as entered, in U.S. dollars, rounded to the nearest dollar. Nothing has been adjusted for inflation, tax or growth.