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I am 32 years old make $150k & live in NYC working as an analyst.

Long time lurker and posting yet another NYC diary with a throwaway (obvs). Love the engagement on this sub so looking forward to discussion & any thoughts!
Section One: Assets and Debt
Retirement Balance: ~$115k (401k), I was late to maxing my 401k but have done so since last year and am working on catching up fast.
Savings account: ~2,000
Checking account balance: $30,000 (normally would not keep more than $5k but given the economy and my paranoia, I’ve saved up a 6 month emergency fund - looking for a HYSA to transfer to now). I’ve also been looking into egg freezing so have been saving up for that.
Credit card debt: $0, pay off balance every month
Student loan debt: $49,000 (bachelors/masters) down from 150k over the last 3 years. I’m hoping to pay this off by 1st half of next year (yay!!)
other Investments: I have ~$8000 in a free brokerage account that I started this year to start learning how to invest a bit more proactively
Section Two: Income
Income Progression: I've been working in my field for ~9 years, my starting salary was $55,000. I’ve stayed in the same field but worked in different companies. Over the years, I’ve changed jobs 3 times with the following jumps:
Company 1: $55,000 starting, promoted in year 2 $63,000
Company 2: $75,000 starting, promoted in year 3 with jump to $100,000
Company 3: $130,000 starting, increased steadily to $150,000
Main Job Monthly Take Home:
Any Other Monthly Income Here
Nope, but want to make it a goal to find secondary income next year.
Section Three: Expenses
Please include ALL expenses relevant to you. Here's a good place to get started:
Rent: $1400 (1 roommate)
Debt payments: $1300 (minimum student loan payment at the moment)
Donations: $75 to various causes
Electric: $80
Cellphone: $100
Subscriptions: $5.99 (Hulu), $7.50 (HBO max split with a friend), $119 Amazon Prime (paid annually), $85 YNAB (paid annually)
Other subscriptions: Curology ($78), Billie razors ($10)
Credit card fees: $95 (annual)
Storage: apple ($0.99), google ($1.99)
Gym membership: $0 at the moment due to COVID, $79 otherwise
Regular therapy: $0 right now, normally ~60-100/month
Day 1: Saturday
8:30 am: Woke up and got ready as I made plans to meet friends for an early brunch today.
9:45 am: Walked to the subway & refilled my metro card ($40). I used to pay for an unlimited when I was commuting to the office but now barely use it so just buy when I need. Only my 2nd time taking the Subway since march, I try to avoid it if I can and just walk but was an early breakfast and the place was far from me. During the meal, we of course with the rest of the world found out that Biden was officially president elect! What an exciting moment - the waiter came out to all the outdoor diners and announced it’s official and immediately everyone started clapping & cheering, cars honking on the street. It was such a wonderful feeling to see everyone so happy and celebrating all day. ($33.99)
12 pm: After breakfast, we walked back to my friends apartment for a bit to see her new place, then stopped for a coffee (friend bought) on our way to do some shopping. I wasn’t really looking for anything but tried on some shoes I’ve been wanting for a while. They fit nicely but I know I can get them cheaper online so didn’t buy them at the store.
My friend wanted to get a specific item for her new apartment and since I have owed her a gift for a while, I offered to buy that for her ($80.57). She’s a great friend and spoils me often so I was happy to buy something for her that she really wanted and loved.
2:45 pm: After shopping, I hopped into an uber ($14.97) to make it across town where another friend joined us at a park for a very quick toast to the election. The friend brought wine to celebrate, we sat on the grass and chatted a bit - a couple of us phone banked for this election so we felt even more proud to have contributed.
3:50 pm: I couldn’t stay too long as I had a haircut appointment so headed out and took the subway up to the salon. I haven’t gotten a haircut since last Dec and felt SO nice to finally have a fresh cut ($88.83 haircut + $20 for tip). I wish I could blowout my hair like they do there but alas, I do not have the patience.
6:30 pm: Finally, took subway again to dinner to meet another friend I haven’t seen in a few months at one of the restaurants we absolutely love (friend paid for a very delayed bday dinner due to COVID). After dinner walked around a bit to take in some more of the celebrations. We walked by Stonewall Inn (gay bar that was site of riots in 1960s) and it was really beautiful and touching to see people waving flags and just being so happy. Most everyone was wearing a mask but we both don’t feel comfortable around crowds so didn't linger for too long. We continued walking a bit more towards where we both live to take in more of the city especially since its been much quieter this year. Finally got home around 11 pm, just internet browsed for a bit and in bed by 12:30 pm.
Day total: $278.36
Day 2: Sunday
9 am: Woke up, made a cup of coffee and caught up with my roommate for a little while. We exchanged stories of where we were when we “heard the news” since we were both out all day Saturday.
10:15 am: I had scheduled an appointment to see an apartment which is very close to where I am now so it was only a 5 min walk. The apartment is a studio and actually amazing for the price but I don’t think I actually want to move just yet. I love living with my roommate and am saving more now than if I moved so I think I’ll probably stick around till the lease is up, but just feeling a bit of FOMO knowing that NYC rents are so low right now so have been sort on the lookout as well.
Does anyone else feel conflicted between the right “market timing” of an opportunity and the right emotional/mental timing for where you are in your life? I feel like I don’t always bite when I should, but I’m ok with that if it doesn’t fit my personal life and calendar.
11 am: I swung by CVS to pick up a couple of things I was out of - mascara & powder and grabbed a bag of chips for a ride later (love me some Pirate’s Booty) - $30.69. I usually would go to Sephora for makeup but I’ve been wearing it a lot less lately with quarantine and working from home so don’t care to spend too much money on it. I also picked up a breakfast sandwich at a deli on my way back ($4.90)
11:30 am: My family picked me up and we are going to go on a drive/light hike in the Hudson valley since it is going to be another beautiful day. The drive was fairly long and a lot of fall foliage has already passed but there were still some gorgeous winding roads and scenic views. We stopped off and did a light hike to some waterfalls, lots of people out today as it was so nice out. Stopped for an early dinner at a Vietnamese place (split the bill - $25.86) and then we drove home, got back around 8 pm.
8:30 pm: Caught up on Seduced documentary about NXIVM cult on Starz (already watched the Vow on HBO), then bed at 11 pm.
Total: $61.45
Day 3: Monday
8 am: Had a hard time sleeping, woke up at 5 then tried to go back to bed, woke up at 8. Mondays are usually a slow meeting day for work which I needed because I was feeling extra tired today.
9:30 am: Had a morning meeting and then caught up on some emails. Warmed up some leftovers from the weekend for lunch while joining another call at 12:30.
1 pm: Ended up taking a quick nap during the day (days like this is when I love working from home and the flexibility that comes with it), got some other work done and signed off around 5.
5pm: Had a remote therapy appointment from 5 - 6, I’ve been going to therapy on and off for years but with this particular therapist for the last year. I love her so much and after some not so good ones, definitely believe that the relationship with your therapist is the most important factor in making progress.
7 pm: Leftovers from the weekend again for dinner and spent some time with the roommate going through what holiday decorations we have. It’s still very early but we both are likely not going to be around for the holidays so we wanted to have a little bit of the festiveness in the apt before we leave for home. Then I meal prepped a bit for the week (overnight oats, chicken so I can throw it in a salad or with veggies) and listened to a podcast.
9 pm: Spent some time reconciling, updating and fixing my YNAB account, it has been so glitchy recently and my imports stop working every few days which is can be frustrating but even still, I love YNAB. Updated money diary & sleep around 11 pm.
Total: $0
Day 4: Tuesday
7:30 am: Wake up, wash up, straight to the coffee machine, catch up on social media/news, and then sit down to start my work day (my normal morning routine).
Busier day today, tend to have a lot of meetings. Didn’t update in real time so I don’t remember much detail or what I had for lunch but I know it was what I had at home.
2 pm: Checked my amazon account because it says some things were delivered last week but I never received them (second time in 2 weeks which is annoying). Walked to the UPS store because sometimes if they can’t reach us they will drop it off there but nope, not there. Chatted with amazon customer service online and they said they will refund me for 2 items and resend 2 other items (just kitchen stuff I needed). Picked up some hooks from the shop going out of business next to the UPS store that we can use for decorating later today. ($2.13)
6pm: Wrapped up work. Made some dinner (noodles & veggies) & watched some random Netflix things.
8 pm: Roommate made some boozy hot cocoa and we decorated the apartment. We watched the latest episode of the Bachelorette while decorating and then put on a Netflix Christmas movie (the cheesier the better!). Bed around 12 pm.
Total: $2.13
Day 5: Wednesday
Did not document the work day so don’t have much detail but I don’t think there wasn’t much to report during the day aside from meetings & getting through my to do list anyways. Woke up around 7:30 am, work was fairly busy and I had some leftover noodles from the night before for lunch.
4 pm: My mom has been asking me to send some photos for printing that she wants to hang up, had some time today so finally got around to doing it (she will pay when she picks up). I want to do the same for my bedroom but feel undecided and a bit overwhelmed trying to think about exactly the right size and color of frames I want so leave that for another day. I'm working on a bit of perfectionist tendencies and that done > perfect but its hard!
6 pm: Finished up with work. Have a weekly movie night with roommate and a friend, so walked to the liquor store to pick up Champagne for mimosas ($31.68). Roommate cooked & we started later than usual today so instead of a movie, just watched the latest episode of GBBO and then watched a couple of episode of another show friend wanted to see.
11 pm: Cleaned up and put away dishes, bed around 11:30.
Total: $31.68
Day 6: Thursday
Woke up at 8 am, but didn’t sleep well so went back to bed and overslept waking up at 9:30 :/ Frantically logged into work but thankfully didn’t miss anything important.
10 am: Made coffee, looked at and updated my work to do list. I’ve been trying to get used to writing things down even if they are small because crossing off things makes me feel so much more motivated. Some days I struggle with being productive at home so I'm trying different things to keep me on track.
12 pm: Roommate & I were both craving pizza yesterday so we ordered it for lunch. I paid since she got it last time ($25.71). Pizza got here around 1 but I had meetings until 2 pm so didn’t get to eat until then & scarfed it down since I didn't have time for breakfast and was starving.
6 pm: Wrapped up work. Spent some time thinking and looking for upcoming birthday and holiday presents. I'm thinking of getting my therapist something to say thanks this year too, maybe some tea and a card? I have a few other ideas for friends and family as well and also really want to reach back out to some old managers and coworkers I’ve lost touch with in the last few years so add that to the list.
7 pm: I have been looking for a desk chair for a few weeks now. Right now I’m using more of a accent chair which definitely is not meant to be sat on all day and feels like is starting to get worn out a bit. Like most people living in apartments, I was not really prepared for full time working from home so I’ve been trying to update and create more of a working space so I'm not just sitting on my bed or couch all day. Facebook marketplace has been great for some things, but no luck with a chair yet so finally caved and bought new online even though it won’t arrive for another 2 weeks or so ($102.33).
9 pm: Election emails stopped for a few days but now it’s back and focused on the Georgia runoffs, I want to educate myself more and try to volunteephone bank again but for now I donated to the campaign ($50). Finished up the leftover pizza for dinner, prepped overnight oats for next couple of days, browsed internet for a bit and bed around 11:30.
Total: $178.04
Day 7: Friday
8 am: Woke up feeling glad it’s Friday. Not sure why but this week felt like it dragged on so looking forward to the weekend. Had a coffee and overnight oats for breakfast.
10 am: Was supposed to meet a coworker that lives close by for coffee since we haven’t seen each other since March & was suppose to have dinner for a friends birthday but both are getting rescheduled to tomorrow since its a rainy & cold day today here.
11 am: First meeting of the day ended 15 min early so I quickly preheated the oven, prepped the spaghetti squash thats been sitting in my fridge for almost a week and popped it in before my next meeting at 12 pm. It was an important meeting but I could still get up and check on the squash so did that in between.
2 pm: Meeting ran over, and I’m starving by now so put the squash and some leftover chicken together for lunch. I really like the idea of squash but it still just tastes a bit too bland for me. Will have to look up and try more recipes!
3 pm: Found a floor mirror on facebook marketplace for $70 but decided not to get it in the end because I’ve spent a bit lately on apartment stuff. I have an old mirror so I can wait on this, want to get some artwork first (my walls are completely bare).
5pm: Remote therapy again from 5 - 6 pm. I know therapy 2x a week might seem excessive but I needed it when I first started and we’ve just kept to that schedule for now. My insurance is covering it right now as well so I'll take advantage while I can even though I think I can probably do just 1x a week starting next year.
6:30 pm: Debated if I want to finish squash leftovers for dinner (Nope) or order in (Yup) and ordered some dinner on seamless. To feel a little less guilty, I took a walk to the place to pick up dinner rather than get delivery ($19.60).
7:30 pm: Watched a couple of episodes of The undoing on HBO, so far pretty intriguing. I love a good mystery or dark drama so it's right up my alley.
10 pm: I really want to read some more before the year is over, I set myself a goal of reading at least 12 books and I’m on track but having a hard time sticking to one lately. I recently started “The Sound of Gravel” which was recommended because “Educated” was one of my favorites that I read this year. Hoping I can stick to and finish this one and maybe even sneak in another one or two before the year is over. Bed around 11:30 pm.
Total: $19.60
Weekly Total: $571.26
Food + Drink: $141.74
Home + Health: $104.46
Clothes + Beauty: $139.52
Transport: $54.97
Gifts/Donation: $130.57
Aside from an unusually busy and pricey Saturday, this was a fairly normal week. My weekends tend to be more social and my weekdays are more routine. I normally will order in 2-3 times a week so that’s usual. I do tend to do more online/amazon shopping sometimes which I want to reduce but looks like this week was just the chair.
I also wish that I could be better about getting exercise during the work week but find it hard to stay motivated to do that. This diary definitely pushed me to start a workout routine again though so going to put that on my to do list even just for 15 minutes a day next week.
Reading the diary back, it's interesting to see where I hesitate to spend (shoes, mirror) and where I don't (eating out with friends) but I think it's just my priorities and thought process. I don’t usually feel guilty about eating out or spending money doing something with friends (within limits of course) because I never really regret those times whereas I might regret a purchase that I didn’t really need. Overall, I’m fairly happy - there are always things I can improve on but I try to keep a balance and have some months that are higher spend than others.
submitted by throwthrowyaboat1233 to MoneyDiariesACTIVE

An informal review of several robo advisors from someone who doesn’t use any of them (Personal Capital, Wealthfront, Schwab)

I wanted to look into robo-advisors to see if I could automate/optimize my tax-loss harvesting strategy, as that’s the one part of my portfolio that’s not “set and forget”. My thoughts on each brokerage I looked at are below.
tl;dr: I don’t want to pay the fees, and I’m just going to keep Bogling it up with my two-fund portfolio

Personal Capital

I’d been ignoring Personal Capital’s calls for years, but accidentally answered recently thinking it was a call regarding my mortgage refinance. I thought “what do I have to lose” and scheduled two sessions with their advisor.
Fees and minimums
Minimum investment $100k. Very steep expense ratio of 0.89%, dropping to 0.79% when you hold over $1MM with them. Honestly, you can stop reading here and scroll to the next section.
At the time of my call, I was in the middle of shuffling some money around and had $10k in cash, plus some RSUs I hadn’t yet sold and indexed, and they spent a while saying that one of the benefits of using their service is handling that sort of thing automatically. I can’t imagine an extra couple weeks of “time in the market” would beat their ongoing expense ratio.
All of the below is for my risk level, a lower risk portfolio will be different.
They suggested 70/30 US/International, I currently have 67/33. I rebalance via my contributions, but they’d be rebalancing in the traditional sense, which of course becomes more important when you’re out of the accumulation stage.
Instead of tracking the total market, they target an even split between Value/Core/Growth, with 40% allocation to mid and small caps. They pick about 90 stocks, and it seems that they use index ETFs for the small cap portion.
I’m not sure the small cap premium still exists, and this seems like a lot of extra work to diversify. They didn’t send over any backtesting showing this beating the market.
They recommended 10% to various alternatives. This would be buying some REITs, allocating 1.5% of my portfolio to gold, some other metals, etc. I’m a big gold skeptic, but I can’t imagine 1.5% would make or break anything. I might take a second look at REITs in my tax advantaged accounts, but I likely won’t purchase any, as I get enough exposure to real estate via VTI and through simply owning my house.
They say your annual return can be enhanced by up to 4.89%, but 1.5% is behavioral coaching, 0.2% is disciplined rebalancing, 1% is tax optimization, and 0.39% is smart weighting. If you’re a typical retail investor in need of a bit of behavioral coaching that’s one thing, but for the average person here these numbers are less attractive.
Smart Weighting
Instead of tracking the total market, they target equally allocating 10% each to ten different sectors (tech, energy, healthcare, etc). They show the “periodic table of US sector returns” showing how different sectors oveunderperform the market in different years, and how rebalancing to maintain an equal weighting between sectors captures gains and buys stocks when they’re low. They show some backtesting showing a 0.7% increase in annual returns, with a 0.8% decrease in standard decimation since 1990.
Their reasoning for rebalancing makes sense, but obviously doesn’t overcome their 0.89% fee. However, it makes me consider funds like the Russell 1000 equal weight ETF (EQAL) which has a 0.20% ER. Since it’s inception in 2015, however, EQAL has had less than half the inflation-adjusted return of VTI.
I’m wondering what the problems with this methodology are in theory. Too many realized gains when rebalancing? The additional bookkeeping needed to keep track and the fees associated with that? Or just that sectors naturally aren’t equal, and we shouldn’t expect the same growth from each one? Comments certainly welcome.
Ultimately, I think I’ll stay the course with good old VTI/VXUS.
Tax management
Tax efficient asset allocation, not picking mutual funds with high turnover, and performing tax loss harvesting. Already doing my best to do all of these. I’m rather concerned about taxes with the frequent rebalancing, so I’m not sure I think I’d get much alpha here from the automated TLH.
They have one of the highest average balances when you look at their AUM divided by number of users, around a half million per user, meaning the average user is paying around $4k a year for this service. No wonder their budgeting software is free.

Schwab Intelligent Portfolios Premium

I’ve been a Schwab client for a long time, originally due to their no-fee bank account, and now the simplicity of having my bank account and brokerage under one roof. They offer low (but not zero) fee index funds. I currently do not subscribe to their paid service
Flat fee of $300, plus $30/month. Beats Personal Capital at $40k invested, Wealthfront at $144k, so definitely a cheaper option for people on their way to FI. Of course, you pay the ETF fees as well
Minimum $25k invested, tax loss harvesting starts at $50k Comes with access to certified financial planner, automatic rebalancing, tax loss harvesting
EDIT: veezbo pointed out that their non-premium version is free which is even better than a flat fee, but the below points on performance still stand.
Allocations and performance
You need a minimum 6% cash allocation, which seems insanely high to me.
They offer a few portfolios, but I’ll compare to their “global aggressive growth” since that seems the closest to my 2-fund strategy
This uses 94% stocks, 6% cash, and has had a 3.67% annualized return since inception on 3/31/15 to 6/30/2020
VT or a rebalanced 67/33 portfolio returned 6.2/7.2% over that time (4.5/5.5% after inflation)
I can’t tell if Schwab’s number is before or after inflation, but they seem to have missed out an a lot of the bull market’s growth. Past performance blah blah blah, but that’s not great for an “aggressive” 94% stock portfolio. Don’t see any data on volatility.
Tax loss harvesting
Primary and alternate ETF, rebalanced when over a certain threshold. This is what I’ve been doing manually this whole time.
While I like the flat fees, their poor performance and high cash allocation means if you’ve got $1MM with them, you’ve got a whole $60k doing nothing, and $940k in a strategy that’s underperformed the market. Not great.


As a math nerd, I greatly appreciate the data Wealthfront publishes regarding their methodologies.
Fees and minimums
0.25%, plus fund fees of 0.06%-0.13%. $500 minimum, but more to qualify for some of their services that matter.
Tax management
Stock level tax loss harvesting starts at $100k invested, but surprisingly doesn’t seem to outperform ETF-level tax loss harvesting by much. Some comments on Bogleheads mention that this makes it very difficult to untangle your portfolio when you’re selling off or moving away from Wealthfront. If you have >$1MM invested, you could have your portfolio spread across 1000 individual stocks.
It looks like you can exclude certain companies from this stock level TLH, which is useful for those of us who get stock compensation from our employers. They advertise it as a way to do socially responsible investing.
At $500k invested, Wealthfront offers the ability to index by risk factors instead of market cap. I’ll let their whitepaper in the link above speak for itself, but it seems to have had higher returns than VTI when backtested back to 2000, but lower returns since they started this service in 2017. Looking at figure 2 in their paper, the year 2000 is right before a period where their strategy has its highest overperformance, so backtesting to different dates may show lower performance.
For those of you with a bond allocation, they offer a “risk parity” service for a fee, where leverage is used to match the standard deviation of a specific stock/bond allocation, but with volatility evenly spread between asset classes. Their explanation makes sense, but using leverage to buy bonds makes me uncomfortable for reasons I don’t have enough of a grasp on economics to explain. Not sure if there exists a Monte Carlo tool that can easily test this strategy to see if the failure rate for a certain WR changes, as I’m less concerned about average return here, and more concerned about risk of ruin. I’d be concerned that a matched standard deviation might not necessarily match kurtosis, and you might wind up a small risk of a large failure. They don’t allow you to put more than 20% into this strategy, so maybe my paranoia is justified?
I’d appreciate comments on these methodologies from someone who’s more familiar with the academic works referenced in their whitepapers.
Edit: internet-poster's comment shows just how terribly Wealthfront's strategy performed during the pandemic.
Doesn’t take outside holdings like your 401k into account like Personal Capital might, so you’ll have to keep the big picture in mind yourself.
As a millennial, the only thing I dislike more than the negative millennial stereotypes is pandering to millennials. Their site describes their service as “robo-investing for millennials” or the even-more-irritating “self-driving money™” and they’ve portrayed us as a bunch of brunch-addled shoe photographers.


Charges the same 0.25% fee as Wealthfront or 0.40% if you want to have support from real live humans. 0.10% discount on the balance over $2MM. Offers the choice of a socially responsible portfolio and helps you donate appreciated shares to charity.
Only has half of what Wealthfront offers, and doesn’t seem writing more about. Skip the fees and handle your own donations.

Vanguard Personal Advisor Services

Nearly forgot about this one, despite being very happy with my IRA at Vanguard.
Minimum $50k, 0.30% fee on balances below $5M with lower fees at higher balances.
Seems to be mostly advice (it’s in the name) and rebalancing. Not worth it for me.
From what I can tell, they don’t directly TLH, but you can opt-in to a “mintax” accounting method that sells lots with the biggest losses first and the largest short-term gains last. Review over.
You can also choose a “digital advisor” for a 0.15% fee. Seems to be just a 4-fund portfolio, plus access to some online calculators/tracking tools.
submitted by Rossad2 to financialindependence

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