Thanks ZsMom. I am an employee, so I get a W2, so I cant really write anything off. I get malpractice from my job. I dont think I need the umbrella insurance my dad wanted me to get it in case someone tried to sue me outside of work. The only assets I have are my 401k, roth, brokerage account, and car, and the umbrella insurance would be able to protect me from anyone touching those, I dont know if I am misguided in that thinking. I will look into thatI added in the groceries, an oversight on my part, ~200/month.
Thanks babybug. I live in Crownheights, Brooklyn, it is becoming increasingly gentrified, aka higher rents, but I got my apt when rents were a little cheaper. I looked for the least expensive, but decent 1 bedroom I could find at the time. My landlord is super chill, she would be justified in raising rent, but she hasnt so far. I have an FSA from work, but go to the doctor so infrequently (once/year, twice if I get really sick) that I would be more anxious about losing the money at the end of the year. I have been thinking about getting rid of the car a lot lately, I use it only like twice a week (to see the parents on weekends, and for work once a week when I have to travel to a distant job site). I walk or use public transport otherwise. I use street parking, and have to do the alt side parking thing which can be annoying. I only keep it because of the freedom it provides, I can go on a road trip or just drive someplace if I want to at a moments notice, I will look into zip car, it may be worth it to switch. I maxed out my 401k, and ira (via backdoor) this year, and plan to keep doing that. We dont have a 457b. I thought about a slow cooker, but I am super lazy, and dont want to buy another piece of equipment and not use it. I fell for the jucing thing, and dropped coin on that and never use it. I feel pangs of guilt everytime I look at it.
I guess it all boils down to risk tolerance. I have all my investments in 100% stock, and want to aggressively save, but hate having the student loan debt, it seems like there is no easy answer.