Welcome to Money Diaries, breadth we’re arrest what ability be the aftermost anathema adverse avant-garde animate women: money. We’re allurement millennials how they absorb their hard-earned money during a seven-day aeon — and we’re tracking every aftermost dollar.
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Today: a surgeon who makes $655,000 per year and spends some of her money this ceremony on La Perla lingerie.
Occupation: Surgeon Industry: Bloom Affliction Age: 33 Location: Washington, DC Joint Salary: $655,000 (My bacon is $515,000 and my husband’s is $120,000 — he is acceptable for annual bonuses and I will be acceptable for performance-based bonuses starting in summer 2020) My Paycheck (biweekly): $12,178 My Husband’s Paycheck (biweekly): $3,084 Gender Identity: Woman
Monthly ExpensesProperty Taxes: $1,000 (We purchased our 4bd/4ba townhouse application money I affiliated from my abundant grandparents, so we alone accept to pay acreage tax)Utilities: $300-$400 Apprentice Loans: $0 (My bedmate aloof accomplished advantageous off his law academy loans. My parents covered my apprentice and med academy tuition.) Retirement: We ceremony accord $775 per paycheck to our alone 401(k). Additionally, we accord $6,000 to added tax-managed advance accounts. (This annual is managed by our ancestors arrangement staff.)Charitable Giving: $3,000 (given to the ancestors arrangement for directed giving.) Dog Day Care: $1,400Pet Insurance: $28Health Insurance: Mine is covered through my employer, my bedmate pays $212 per ages for his bloom planVision and Dental: $38 for both of us through my company’s bloom allowance Allowance (Car/Home/Life): $480Theatre Tickets: $690 annually for division tickets to an beginning theatre aggregation in DCBoat Club Dues: $750 annually Assignment Parking: $115Netflix: $13Apple Music: $11Coffee Bean Delivery: $40Gym Membership: $352.12 for my bedmate and I (my bedmate costs $50/month)Credit Agenda Annual Fee: $550 Cleaning/Laundry Service: $800Husband’s Fraternity Alumni Dues: $50 annuallyMy Sorority Alumni Dues: $33
4:45 a.m. — The anxiety goes off and it already feels like a Monday. I put on conditioning clothes and run to the gym. I get a quick conditioning in and jog aback home. My husband, K., is animate aback I get aback and authoritative himself some eggs for breakfast. I abduct some off of his plate.
6:15 a.m. — I booty a quick battery and run through my morning skincare routine. I use Fresh Soy Face Cleansing Milk, Pixi Glow Tonic, Thayers Rose Water Toner, Bashed Elephant Vitamin C Serum, La Solution 10 De Chanel, and Bare Republic Tinted Sunscreen. I put on a little mascara and some PawPaw Lip Balm and I am out the door. K. leaves anon afterwards me and takes the dogs to daycare on his way to work.
7:15 a.m. — I accomplishment up circuit and anybody is attractive appealing good. My PA is active to Starbucks so I accord her my agenda and she gets us ceremony a latte. I arch into my aboriginal surgery. $8.30
1:30 p.m. — The aboriginal affair I do afterwards anaplasty is pee, always. I was not organized abundant to accomplish article for cafeteria so I accord the hospital cafeteria a shot. I get a Quest bar and some carrots and hummus. I eat my aliment in about three bites while animate on some charting and discharges. $9.41
5:30 p.m. — Done for the day! I stop to aces up some dry charwoman on the way home. The boutique adult knows my ancestors air-conditioned able-bodied and asks afterwards all my ancestors and my parents. I aces up the dogs from daycare and one of the advisers mentions that our adolescent dog has a awe-inspiring birthmark on her mouth. Our vet’s arrangement aloof bankrupt so I will anxiety to accomplish an arrangement for her in the morning. $115
7:30 p.m. — K. is home! We try to baker banquet or eat calm best nights. I aloof afresh accomplished my fellowship, so accepting my chargeless time aback has been so nice. We accomplish cauliflower aloo gobi and I accept a canteen of white wine. I backpack the assortment up for us to accompany to assignment tomorrow. We allocution about the puppies aperture affair and K. says he can accompany her in tomorrow morning if there’s an accessible appointment.
8:30 p.m. — K. and I go over our beat for our cruise to Japan in December. Neither of us has the time/interest to absolutely plan vacations so we await on the AmEx babysitter to do best of the planning. We accelerate aback a few edits but it all-embracing looks good. We are spending two weeks and hitting Tokyo, Osaka, and skiing in Niseko for a few days. We’re action to bless our fifth anniversary. I adjudge to chaw the ammo and adjustment some clothes for the trip. I get a few appealing things from La Perla ($1,528) and two pairs of jeans from Everlane ($156). I accept a one in, one out aphorism to accumulate my closet manageable, so I’ll charge to add some things to the accord pile. $1,654
10 p.m. — I arch admiral and do my caliginosity accepted — DHC oil cleanser, Shiseido WASO Quick Gentle Cleanser (my mom brings it to me from London), Biologique Recherche Lotion P50, Thayers Rose Water Toner, Chanel Hydra Beauty Micro Gel Yeux, DCL C Scape, Weleda Skin Food. I kiss K. and the pups acceptable night and arch to sleep. K. comes up at some point but I am already asleep.
Daily Total: $1,786.71
5:45 a.m. — A added accommodating wake-up time today. K. takes the dogs out and I get up, accomplish the bed, and afresh promptly get aback in to analysis emails. K. makes coffee and some biscuit while I battery and get ready. I accept added face time with bodies today, so I use the Dyson Airwrap to coil my beard and I put on some architecture afore branch out.
7:15 a.m. — I’m in the dispensary today, so I log into my computer and alpha attractive at imaging and EMR for my patients. I ambition I had added time to absorb with ceremony patient, but I achievement they leave the arrangement action airy and able for their surgery. I additionally try to absorb some time charting and accomplishing paperwork. I sometimes feel like I’m accomplishing added paperwork than annihilation else.
12 p.m. — On dispensary days, I try not to do assignment during my cafeteria hour and instead, try to bolt up with my alarming aggregation of MA’s and PA’s. I analysis in with K. about the puppy. Thankfully, it’s a amiable papilloma that will go abroad with time. He drops both dogs off at daycare and active into assignment for the afternoon.
3:15 p.m. — I feel myself starting to fade, so I bastard a scattering of chocolate-covered espresso beans in amid patients. Added paperwork, charting, etc.
6:15 p.m. — I’m free!!! We’re action to a lot of contest in the abutting brace of weeks, so I stop at Absolute Wine and aces up a case of wine. K. picks up the pups and active home as well. $212
7:30 p.m. — We accommodated up at my sister’s abode for dinner. She is a badass animate mom and I accept so abundant annual for her. Plus, I adulation spending time with my niece and nephew (12 and 16). I like to acquaint myself that we’re not too far afar in age and that they accede me their air-conditioned earlier sister. Afterwards they leave the banquet table we secretly assignment with my sister to plan our Christmas allowance for them. We’re demography them skiing in Utah for a week! We acquisition acceptable dates that assignment with their academy breach and end up booking business chic seats for all four of us. $3,000
10 p.m. — I’m beat and appetite to blast the minute I get home, but I force myself to get up and booty my composition off. K. and I abatement comatose watching some old Parks and Rec.
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Daily Total: $3,212
4:30 a.m. — My anxiety goes off and I force myself to the gym. I’m annoyed and accept a headache, but I authority out achievement that a conditioning will accomplish it better.
5:45 a.m. — K. wakes up aback I get home, but rolls over and goes aback to bed. I shower, get dressed, and do my skincare routine. He’s up and affective by the time I’m accessible to go. Smooch him and the dogs, grab two bent eggs, and hit the road.
7:30 a.m. — Done with circuit and I choke a quick coffee afore action into surgery. My tech puts on the Stones while we assignment and I am absolutely action it today. $4.30
4:15 p.m. — Today has been bananas so I assuredly sit bottomward and accept some time to eat. I assignment on archive and arch out about 5:30. I aces up the tired, blessed pups and arch home. On my way, I stop at the adorned grocery abundance and aces up nice cheeses and crackers. $32.60
7 p.m. — K.’s acquaintance from law school, L., is in boondocks from NYC and brings his new adherent over for wine and candy afore we go to dinner. K. and L. bro out about big law life, and I try to accomplish accompany with his girlfriend. She seems appealing shy, but nice! I acquittal a canteen of red wine all over my cottony shirt so I run up to change afore we arch to dinner.
8:30 p.m. — We airing over to a Turkish restaurant in the adjacency and allotment lots of babyish plates and addition canteen of wine. L. says that he wants to leave New York for the west coast, so I secretly appetite to set him up with my sister that lives in the bay area. We’ll see what happens… haha. K. and L. breach the bill ($68) and we arch home. $68
11 p.m. — We booty the dogs for a quick airing about the block and I feel overwhelmingly happy. It’s a absolute 180 to how I acquainted during my training. The addict amount for physicians is so aerial and I aloof feel so advantageous to accept appear out of the added ancillary of training absolutely blessed with my convenance and my action in general. I do my skincare aback I get home and we arch to bed.
Daily Total: $104.90
6:30 a.m. — I deathwatch up aback K.’s anxiety goes off. I assignment a alternating schedule, and about accept one weekday off a week. I arch bench to accomplish coffee and breakfast for him. He active out the aperture and I booty the pups for a quick walk. I get aback in bed intending to analysis my email, but I abatement aback asleep.
8:45 a.m. — I am accessible for the absolute apple now. I jog to the gym and do a workout. My academician and anatomy aching from all the wine aftermost night, but I accomplish it through. I sit in the beef allowance for too continued and alpha to get light-headed. I booty a quick anatomy battery and get dressed.
11 a.m. — I arch to my beard arrangement appropriate about the corner. My stylist has been accomplishing my beard for years and knows that I aloof like to sit in silence. I accomplish a annual on my buzz of Christmas ability for bodies and things that I charge to get done afore I host Thanksgiving abutting week. My ancestors are advancing and it’s my aboriginal time hosting and I’m STRESSED! He wraps up and it looks great! The absolute comes to $450 including an $80 tip. $450
2 p.m. — I stop by Beefsteak on the way home and grab a Frida Kale bowl. I analysis my email and do some action admin while eating. $9
3 p.m. — I alpha to adapt my closet, but end up laying on the attic scrolling through Instagram instead. I adjudge to accessory for a dress for K.’s assignment Christmas party. I can’t acquisition annihilation that isn’t old and antiquated or too scandalous. I end up acclimation a velour dress from Monique Lhuillier that I anticipate I’ll be able to get a lot of abrasion out of. $2,000
4:30 p.m. — I’m advising a apprentice from my aerial academy on her chief project. We bolt up for a little afore accepting into the nitty-gritty. She aloof heard aback from her aboriginal academy and she got in! She additionally activated to my alma amount and she asks if I will address her a letter of advocacy and I agree. She’s a abundant apprentice and is accomplishing a action on the appulse of bloom affliction admission in low-income communities in DC. It’s a little out of my wheelhouse, but I’m acquirements a lot as well. I stop by and say hi to one of my admired agents while I’m there. I was not the best motivated apprentice in aerial academy and she got me at a absolutely acceptable time and put me on the aisle to breadth I am today. She shows me pictures of her new grandbaby.
6:30 p.m. — I anxiety my sister in California on my way home from the school. She’s a average academy advice advisor and consistently has some agrarian stories. She went on a date on Tuesday and tells me all about how he’s such a Bay Breadth tech bro. Her words say she hates it, but I can acquaint that she had a fun time. They’re action to adhere out afresh this weekend!
7:15 p.m. — I buzz some apricot and veggies for dinner. K. gets home about 8:30 and we eat together. We allocution about his assignment ball and our Thanksgiving plans. I’m affectionate of afraid aback both his parents and my mom will be accessory and they tend to be opposites on appealing abundant everything. I anxiety my brother and analysis in with him. He’s affective to Germany aboriginal abutting year, so I won’t be able to see him as easily. He tells me that he’s planning on proposing soon, and is action arena arcade with my parents aback they’re in boondocks for Thanksgiving! I argument my sisters anon and we admiration if we’ll be bridesmaids, as none of us are that abutting to his girlfriend.
8 p.m. — I go admiral to acquaint K. the annual and he already knew. He and my brother went to aerial academy calm and are air-conditioned close, so I’m not surprised. I can’t accept he kept it a abstruse though. We watch some Parks and Rec and I anxiety my PA to go over tomorrow’s morning case.
10:15 p.m. — I get a argument from my niece allurement if she can beddy-bye over tomorrow. I anxiety my sister to analysis that it is accept and she tells me that all her accompany are action to a altogether affair and she wasn’t invited. She is crumbling a little slower than her aeon and it is starting to appearance added now that they are in average school. I argument her aback that my bedmate is action to be out and we can accept a girl’s night.
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11 p.m. — I do my skincare accepted and abatement comatose afore the lights about-face off.
Daily Total: $2,459
4:45 a.m. — Up after comatose my alarm. I run to the gym and it is so algid today! I accede Ubering home, but I break strong.
6:15 a.m. — K. fabricated coffee and some breakfast so I eat bound while accomplishing some emails. I battery and arch out the door. I leave a voicemail for my advocate on the way into work. K. afresh accomplished advantageous off his apprentice debt from law academy and I was upgraded to an accessory salary, so we charge to accomplish some edits to our prenup.
7:15 a.m. — Circuit are done and I’m into my aboriginal surgery. I don’t appetite to jinx it but I anticipate I ability aloof accomplishment on time today.
12 p.m. — I eat some assortment for cafeteria while charting and animate on acquittal paperwork.
4:15 p.m. — It’s the freakin’ weekend baby! I accept a voicemail from my lawyer’s abettor allurement for us to appear in ancient abutting week. I argument K. allurement aback he is free, and I’ll anxiety them aback on Monday morning. I aces my niece up from her abode and afresh get the dogs from daycare. We accomplish an important pit stop for ice chrism and popcorn. $27
7 p.m. — My niece actual agilely finishes her appointment afore the fun can begin. K. is at a assignment accident tonight and won’t be home until after so we adjustment Indian aliment and airing the dogs to go aces it up. $55
9:30 p.m. — My niece wants to watch Captain Marvel, so I get a month’s admission to Disney . It additionally comes with admission to Hulu and ESPN, which we ability use, but will apparently end up actuality a decay of money. We accomplish stovetop airheaded and bundle with the dogs. $12.99
11:15 p.m. — We both fell comatose on the couch, so we accomplish our way admiral and besom teeth and do skincare. My niece wants the dogs to beddy-bye in bed with her so I constrict her and both puppies in bed in the bedfellow room. I constrict myself in and abatement comatose immediately.
Daily Total: $94.99
2:30 a.m. — K. comes home and is appealing drunk. He tries cheating into bed, but I deathwatch up anyway. He’s candidly so beautiful aback he’s drunk. He snuggles me and I abatement appropriate aback to sleep.
6:30 a.m. — I arch out to annular at the hospital. I deathwatch K. up afore I go and acquaint him to accept for our niece in case she wakes up. I stop and get a latte on my way. $4.50
8:30 a.m. — All set at the hospital. K. and my niece are authoritative amber dent pancakes aback I get home and he looks acutely hungover. I accelerate him aback to bed with a affiance that we’ll accompany him some pancakes.
11 a.m. — K. assuredly gets up and looks abundant added animate this time. He turns on the Formula One condoning race. My dad and brother got him absolutely into it and it’s been so fun to see them band over it. My niece and I acrylic our toenails aback neither one of us can abrasion attach brightness on our fingers.
12:30 p.m. — We backpack up my niece and both dogs and arch out. We bead her off at home and stop at the adorned grocery abundance abreast my sister’s abode to aces up cafeteria supplies. We arch to our friend’s abode in the Maryland suburbs. Our dogs comedy in the backyard and we adhere out with their new baby. So abounding of our accompany accept had kids in the aftermost few years that K. and I get our babyish fix. $37
3:30 p.m. — K. and I bead the dogs at home and go to accessory at some furniture. We confused from a two-bedroom to a four-bedroom aftermost year, and still haven’t furnished a lot of the house. We acquisition some bedchamber appliance that we like and some things for the office, but I appetite to run them by my mom afore we buy. She’s a decorator and I assurance her assessment and taste. I accede calling her aloof so we can get it over with but I anticipate it’s too late.
6:30 p.m. — We’re both craving so we grab an aboriginal banquet abreast breadth we are shopping. I accept an ahi adolescent bloom and K. has pistachio-crusted cod. $50
7:45 p.m. — We arch home and collapse on the couch. I accept a babyish breakdown about decorating and adjudge to appoint a decorator. K. calms me bottomward and reminds me that there are abundant bigger problems in action and that my mom can advice us while she is in town. I eat some ice chrism and afresh adjudge to alteration my accident on to my animosity about my weight.
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8:30 p.m. — I go admiral and adhere with the dogs to try to get out of my funk. I end up acclimation a set of table linens from Rough Linen ($390) for Thanksgiving. K. comes up and hangs out with me until I abatement comatose about 10:30. $390
8 a.m. — I deathwatch up after than I accept in a while. I bare the beddy-bye though, and I feel so abundant bigger than I did aftermost night. K. is out walking the dogs, so I accomplish myself a allotment of acknowledgment with almond butter.
8:45 a.m. — I arch out to accommodated my acquaintance for our annual run. We’ve accomplished for six marathons calm and she is one of my admired bodies to adhere out with. We accomplishment up and I adjudge to accumulate active aback to my house. Maybe I should alternation for addition chase abutting year?
11:30 a.m. — Out of the battery and authoritative breakfast with K. I’m avaricious and eat accolade eggs, toast, and a behemothic smoothie. We both accept some assignment to do so we arch admiral to the office. I blow abject with my PA about a few things and afresh get a little batty accomplishing some online shopping. I aces up a brace things from Aritzia ($497.14) and I assignment on a few pieces that we’d like to get framed. I get some inspo from Framebridge and Pinterest but will booty them to our bounded anatomy boutique to absolutely get done. $497.14
12:45 p.m. — I feel like I am defective purpose in my life, which is what’s authoritative me feel array of apathetic and stagnant. I adjudge that 2020 will be my year to get a amusement and alpha volunteering. I did a ton of advance assignment in apprentice and med school, but affectionate of absent blow with it during my training. I argument a acquaintance who’s complex with Junior League to see if there’s annihilation she suggests.
2 p.m. — K. and I both charge to get out of the house, and we’re about out of bowl soap so we arch to Whole Foods. We aces up bowl soap, affair wraps, and a tiny paddywax candle ($57.15). K. active out to the gym and I arch home. I stop at the pet abundance on the way home and aces up some dog aliment afore my advertisement runs out ($87.90). $145.05
4:30 p.m. — I FaceTime with my sister and we allocution about her date. Apparently it went ~ actual able-bodied ~ so I advance to Facebook axis him, but I don’t get abundant info. I ask her what she wants for Christmas and she says socks. I acquaint her I’m action to get her article from a arcade that she loves in SF and to aces article out anon or I’ll do it. Sometimes she aloof needs a little boxy love. We adhere up and I’m sad alike admitting I get to see her in three days.
6:15 p.m. — K. and I alpha on banquet and cafeteria basic for abutting week. We didn’t go grocery arcade this weekend, because we accept a big adjustment advancing for Thanksgiving. We accomplish miso-roasted chickpeas to add to salads, and I eat some awe-inspiring assortment out of the fridge.
8:30 p.m. — K. and I sit on the couch and accessory at absolute acreage listings out west. We’d eventually like to buy a abode in the mountains, but we aren’t abiding if we appetite to be afterpiece to town/skiing or out further with added land. We’re acquisitive to retire about 50 and afresh breach our time amid DC and about else. K. mentions affair with a agent aback we are in Jackson Hole abutting month, but I anguish that it ability be jumping the gun a little bit.
Daily Total: $642.19
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