Broke Analyst - NY
Is anyone else who started in the fall feeling like they're broke? Assuming you max 401k, you're left with ~5k. 2500 to rent another 800 to food (that includes brining some stuff from home some days) 200 on skincare/soaps few for medication few for utilities, you're left with like 500-800 bucks maximum. For a job that's supposed to be the best out of undergrad this is not thriving. I haven't asked but I can tell other analysts are getting bankrolled by mom/dad when they're sending Casa Cipriani and Zuma every other weekend. I've gone a few times (never paid) but holy shit are we being stretched thin.
RIP
Maybe dont max out 401k?
My first literal thought lmao
Nah, power of compounding, maxing when you’re young is key
True, but cash flow management is also important. Contribute 10-15% each month prior to bonus and max out the remainder once bonus hits.
maybe stop eating food?
Yeah that’s why I don’t make out my 401K. I contribute about 12% between 401K and HSA. Would rather have a little bit of extra spending money for first two years of my career / while I’m young.
you contribute 12% of net comp or 12% of total allowable for 401k (~22500 401k limit)?
% of 110 base. I do the highest level of employee match for 401K ~7% and then ~5% to HSA.
...
Yeah similar situation to me though my medication costs $200+ after insurance, power bill / water / internet $300
$5000
-$2500 rent
-$800 food
-$300 medication
-$400 CC bill
-$400 power / water / internet
-$100 misc
ends up with about $500 leftover each month, which if you try to fit in a couple of dates a month, a streaming subscription, trying to save a bit, it does feel like I’ve been struggling a bit on money the last year.
When rent was $1750 it did feel like I was very well off on money, but with lease ending beginning in the summer and new studios looking to be $3kish have been having to find a roommate lol
getting to 800 on food was a journey. I still cook at home sat/sun and then bring lunch in or dinner in w seamless combo during weekdays. Are you meal prepping or how are you knocking it to 800?
I just don’t eat
~5,400 after 401K / HSA contribution
1,700 rent
200 gym
250 recurring monthly bills
300 loans
2,000 between food/entertainment/travel
200 misc
how are you at ~5,400 after 401k contribution? What is your salary and bi-weekly pay pre-tax? I'm at 110k base and each check is ~4,600 pre-tax and pre-contributions, which is way lower than you even after contributions... (Asking since you're A1)
Equinox or Lifetime im assuming
If your company doesn't match (Citi doesn't match until 1 year in), then it doesn't make sense to lock that money up with no benefit. Once a year hits, it makes sense. Live with one or two other people. Can find a nice shared apt for sub $1,800/month each. Plenty of ways to save
bro 3600 for a 2 bedroom.... or even 3600 for a 1 bedroom flex... not in 1 million years. not in an even remotely safe area and not one that is walkable or where there wouldn't be mold in your shower.
It's definitely a safe area, but yes, not a walkable distance to work, though that's irrelevant. The place is clean and gets the job done. Obviously not a high-rise with a doorman
3 bedroom with a post flex wall that's permanent and doesn't cut up the living room.
Then you don’t know how to look
Been in the city for 7y (college plus banking) never paid and still don’t pay more than 1800 by living only East village west village and Soho.
Just got to put in a bit of effort into finding some good spots
Anybody gonna comment on the $200/month for soap?
I meant 200 for all medication/skincare/shampoo/personal items and miscellaneous
this boy can't afford to send it in zuma, so he sends it in the shower
My guy is just super clean
.
Incoming glock-19 shots are FIRED
Houston banking is paradise. Simply return fire.
Not wrong from a cost standpoint lmao
did my stint after undergrad in NYC but if I was doing it again in todays environment, I'd 100% do it in Chicago. QoL is much much better and still has most (not all) of the allure of NYC
How are y’all at ~5K with 110? I’m at around 5.8-6k after tax
is your rent less than $2,500 and are you maxing 401k to the limit or just company match? Still on parents health plan or your own? Feels like these are the drivers for this guy
Interesting. Couple questions
1) are you in NY/
2) are you mailing 401k?
if the answer is yes to both of these, it should be like 5.2ish.
Why aren't you factoring in bonus? Seems like it should be 8-10k after taxes including bonus
Because bonus is paid a whole year later in August, you need to have cash flow that entire first year to pay your expenses. You don't get $8k a month to live off of
high chance of not getting it this year, don’t have it yet and can’t tell my landlord ‘i’ll pay you when i get my bonus!’
Did you choose not to enroll in healthcare coverage
Why are you maxing 401k...? Yeah that is important, but having enough money to live is also important and you don't need to max it out so early on, get your feet under you first. Max up to the company match. You can also finish the 401k with your bonus if that is important to you.
I am confused by the second paragraph. Could you elaborate? Are you advising to find a healthy balance of going above employer match but not too high that you are counting pennies every month?
Lateral to Houston
"I save $20k a year in my 401K before bonuses - why am I so broke?" - 22 year old
Too true. The average person in America never even maxes out their 401k their whole career.
Come to office 7 days a week. Save on food and utilities
do banks let analysts do seamless on sat/sun if working at office? I thought those policies went away post covid.
WF allows lunch/dinner depending on how many hours you work in the office on weekends
Most/all banks still allow seamless sat/sun if in office - the policies that went away are ordering when WFH.
Think the reality is that very few teams go to the office on weekends unless underwater on a deal, while pre-covid everyone went in
Im at a mm firm (think Blair, HL, Baird) and can expense weekend meals even if WFH as long as I do just a couple hours of work.
Max 401k with bonus, not base. 800 on food... when you're not expensing meals, are you eating out for every meal? This figure could be a lot lower, even if you're eating quality foods.
Bro people were doing just fine in New York City on the previous $85,000 base salaries. If you need/want extra money, then reduce your 401k contributions.
when bases were 85 (2019 pre the vid) rents was way way lower and food was also min 20% cheaper. reducing 401k contribution is silly. would rather just bite it now and see benefits down the line especially since going to be hitting other tax savings ceilings
Then don’t complain about not having enough money to enjoy NY when you’re young.
There is no reason to max a 401k this early on using base salary
You can still find very reasonable rent if you put in a bit of effort and don’t expect to have doorman and new building
yeah, that's how it is. imagine if you also had student loans.
Is this for IB? If so, the numbers don't seem to add up
For a job that's supposed to be the best out of undergrad this is not thriving ---- not true. assuming you do 70hr / week (200k all in). You can do the same hours at 1 tech (200k all in) + 1 startup (100k + equity upside).
Agreed but I pretty much spend little to nothing on eating and am also not in NYC which helps a lot. Dinner expensed (never eat breakfeast so not an issue) and then bring or buy a small lunch. Most other meals are oatmeal or ramen. I know this will sound like a troll but it true and my breakdown below:
Non-NYC:
No 401K at all = $6,500 monthly
$2,100 Rent + Utilities
$200 Food
$200 Rare Misc.
That's it. No I don't own any streaming services or spend otherwise.
What's your base? I'm at 110k and I get ~4.6k monthly pre-tax without 401k, which is way below your 6.5k ....
How are you $4,600 monthly per tax at a 110 salary and before 401k? Mathematically something’s wrong there
no way you're at 4.6k post tax with a 110k salary
110K, zero 401k, but not NYC
Seems like you never go out to eat or on dates?
Unfortunately not. I've come to terms that life is mostly suffering for this generation unless we can make it out via investing aggressively, entrepreneurship, online social media, etc. I am optimistic though that one of these avenues shall work.
$2,300 a paycheck (x 2 a month)
-$1,300 month rent, parking and utilities (split in tier 3 city)
-$1,000 student loans
-$1,000 credit cards (always maxed, need bonus)
After a ~10% Roth contribution I am usually out of money by the end of the pay period and relying on credit cards again
I don’t go out as much anymore. Maybe 2 a month. I just can’t afford it/have time.
I don’t have enough money to even buy clothes
$2,500 in rent for a 22 yr old is absurd. Get a roommate in a non-luxury building if you're so worried.
tell me you don't live in NY without telling me you don't live in NY. 3000 doesn't even get you a luxury building. 2500 just gets you a place with no cockroaches to live alone
don't live alone then lol
dont live alone you're a 1st year analyst lol the fuck? Most people have roommates until they hit their late 20s/early 30s. Your entitlement would be hilarious if you werent being serious.
lmao
I lived alone when I was an analyst (back in 2016 with the $85k base). Rent was just under $2k a month, so I had to accept that I wasn’t going to live large for a while if I wanted my own place. Once I got roommates and cut my rent in half, I felt as if I’d just gotten the biggest raise of my life. Do that, or lower your standards until you move further up the ladder.
As a first year analyst, you can:
1. Order seamless at the office every night that you work late. Don’t go home and waste your own money on food. Make the firm pay for it.
2. Shop at Whole Foods or cheaper for groceries. Do not go to the fancy local organic grocery stores.
3. Take the subway or walk whenever you can, don’t Uber unless you feel actually unsafe (or the firm is paying for it)
4. Don’t contribute to 401k from base salary past your firm’s match. Use your bonus to get ahead on savings.
5. Make friends outside of finance / trust fund circles. Good to keep perspective (it might not feel like it but you are still earning nearly twice the median NYC household income in base salary alone) and discover new ways to have fun.
$2,500 is perfectly reasonable. No one should be forced to get a roommate. Some of you just like to be miserable. Be better.
2500 is reasonable as a luxury expense. OP isn't broke. They're just deciding to live a lifestyle more expensive than they can afford.
Even if you live with roommates, it's still likely gonna be 2-2.3k a month if you wanna live in a luxury doorman building. Flex 3's aren't going at anything less than 6500 if you want to at least be reasonably close to the office by subway. Sure, you could live in brooklyn or queens with roommates to maybe get down to 1.8k, but if you're making 6 figures at 22 you can afford to live in a nice building with roommates.
Blame the ridiculous rent market. I think 2.5k is probably the max an analyst should spend on rent, but there are some who even spend 2.8-3k for a studio. 2.5k if living by oneself is not a bad deal especially with how crazy rents are.
Also, OP's problem doesn't exist. They're acting like they're broke and not saving but are putting away 20k pre-tax in savings. Of course, they won't have multiple grand left over after taxes.
Maxed out 401k at 22 year old is thriving. Most adults can’t do that.
And that’s without factoring in bonus which is where the majority of your savings will come from.
Odd definition of broke
Imagine how the average New Yorker is feeling that isn't making $100k+ at 21 years old
You do not need to spend $200 on skincare a month!!!!! Go to a dermatologist, get a tretinoin prescription, find a good vitamin c serum and a good moisturizer and that should really be it.
never had bad spots. Just the occasional one that was always super annoying. got on tretinoin and that seems to have helped. still a tiny bump here and there. tried accutane but couldn't handle the burning sensation in the cheeks/redness.
What dosage on accutane? Honestly better to do a longer treatment on a lower dose than a big increase in dosage in the beginning (to mitigate the dryness/redness). Some doctors in the US are really aggressive when it comes to administering a big dose.
After I max out my 401k (save $20k a year), pay for all of my living expenses in one of the most expensive cities in the world, and fund a $200/month skincare routine, I only have $500-800 of fun money a month and my entire bonus left! How is this possible on an entry level job!? Get a grip...
Apologies Mr. VP. I'm so sorry Mr. VP. I will make adjustments Mr. VP.
On a serious note, would you max 401k from bonus or from salary or is there really no difference?
No difference
Just do the matching portion with base and keep the rest
Then bonus comes and if you really want to max it, which again at this age you might as well fucking enjoy life a little, you do so with the Bonus
‘$500 of fun money’ includes money to save for rainy day fund / changing leases when you inevitably find a new apartment (up to $1k in moving costs, +1-2 month of rent ($1.5-5k in brokerage fee). Saving for a trip you might want to take as well at some point
Taking someone on a date here is yeah about $100. Add in any health condition you might have that can increase medication costs…
My buddies in a smaller city making $40k a year have more than $500 in ‘fun money’ a month lol
Not after sticking $20k into a 401k they don't.
and your buddy on $40k a year maxes out their 401k? Doubt.
Take the company match on the 401k, no more. You can always start your own cash/margin account with the extra money if you want to take additional risk.
+1 SB. would you max it from salary or take it from bonus or split it
Take the match through contributions from both salary and bonuses then adjust as you find your sweet spot.
Maxing your 401k… if you believe you’re gonna make significantly more in the mid-late career, stretching yourself to stash away $20k a year pretax will be laughable… even with compounding.
Nah, dog. Maxing out a Roth IRA, for instance, for the first ten years and leaving it alone for the rest if your life will make you more $ total than leaving it alone for the first ten years then maxing it out for the rest of your life. Compounding interest is BIG here, man.
Not NY
$6,000/month after 401(k)
- $1040 townhouse rent with two roommates + utilities, internet
- $320 groceries
- $80 parking
- $40 gas
Leaves $4,500/month for savings, investments and discretionary spending, though mostly the first two.
Don't eat out much. Gym is comped by work.
is this downtown Detroit? I mean 320 on groceries... are you eating the bags the groceries come in? props to you
Lol, I started working out five-six days a week late last year and I thought inflation was the reason my food bill was going higher.
Turns out you eat more when you work out, $320 is not really cutting it so about to go up.
Don't eat breakfast and eat tuna, rice and fruit for lunch so pretty inexpensive.
I mean I shop at Aldi and spend about $160 a month on groceries. I do eat out Friday - Sun tho, but still not bad
I imagine they're mostly living on work expensed meals.
You’re 22. You’re supposed to be broke unless sponsored by fam.
Smart to take 401k match. Things will get better assuming you’re progressing.
Ridiculous mentality. You're not "supposed" to be broke when young that's just the consensus old-time view. More and more young people are making far more money than ever before and sure as hell isn't from corporate slobs like you.
sorry if that was hurtful
Incoming An1 on $100k base NYC.
Im getting like 4.8k/month after insurance and 401k deductions based off some online calculator. Is this accurate?
I just want a decent place to live with no roaches/rats/mice, is this reasonable?
~2000-2300 rent
~1500 student loans
~200 utilities
~260 groceries
~455 entertainment/misc (going out, subway, ubers, etc)
I've already accepted that little no saving will be happening until bonus hits
you understand that $260 on groceries is $8 a day right? Are you eating off the dollar menu at McDonalds every day and on weekends?
Yeah I mean...out of habit I eat the same meals everyday for months on end. I'm very strict with my diet so my grocery bill is pretty low since its basically chicken/rice/beans. If I eat out or indulge I categorize it as an entertainment expense, $455 gets me $105/wk to blow on whatever, I assume this is going to go up but I'm using this as a baseline.
lmfaoo
Hey, do you mind DMing me? Would love to shoot over a question since I'm an incoming An1 too
1500 on student loans is wayyyy too high...are you an MBA grad or something? No reason you should be hyper-accelerating payments otherwise.
I took a very untraditional approach to break into banking and went to college twice (2nd undergrad done in 3 years). Doubled down on student loans and somehow got my seat, was very lucky and had to claw my way in. This is literally the minimum pmt haha, in hind sight I should have crushed the GMAT and did an MSF but I didn't know any better at the time. It sucks so bad but only up from here I suppose?
:'-)
You're gonna have to live with roommates to get rent to 2-2.3k. Could prolly get a really nice building if you can find two other IB analysts for a 3 bed
$200 on skincare and soaps lmaoooooooooo
Timebrook investment
Google timebrook investment
Not sure if relevant but wanted to share for reference.
MM PE (not US), bundled with my wife (we're both 25-26, with prior IB experience at both MMs and EBs/BBs).
6k$ AT + 4k$ AT (wife, LMM PE) = 10k$ AT
- 1.5k$ mortgage
- 700$ food
- 200$ gym, tennis, other sports
- 2k$+ car (G82), insurance, parking, gas, tyres
- 300$ misc (parties, meds, etc.)
So left with around 5k$. On top of that like 30-45k$ AT bonuses (yeah they suck, this year was closer to 30k for us both). Means around 100k$ saved per year for a couple of next years, while living quite a good life (sometimes) at 50-70 hours weeks, she's fully WFH.
EDIT: we don't have anything like 401k, though
Love the G82
I'm an unreasonably cheap person. I live in NYC for reference. I work in PE now so make a little more but to save money:
Do an honest evaluation of your spending. Most of the time without realizing it there are 1/2-off the expenses that you are incurring but probably not including in your calc which is why you feel broke. Not the case for everyone but definitely for a lot of people I know.
100% agree on walking / subway. Obviously way different if you’re a girl I feel like. But I take the subway or walk at all times and have never felt scared or unsafe. I live in Manhattan, so that might help but yeah don’t make eye contact and keep to yourself
This thread and it’s comments truly highlights why the quality of analysts is going down. Imagine working 80-100+ hours a week and having to eat rice and beans to get by or have to decide whether you’ll be able to save anything for retirement. Or getting told you need to cut out medicinal soaps to get some savings.
What’s even more laughable are the older commenters who not only try to claim this is normal but act shocked that the unicorn analysts are no longer working for them.
.
Yes, quality of analysts declining in NYC.
Lmao 100% on point. These washed up senior aso and VPs come on here to bitch all the time about their juniors or the "age of entitlement" and then go on to blame WFH as a reason for poor work quality...
The tops kids don't want to work for rice and beans...yall are losing them to tech, social media and other industries LOL
Lmao nobody losing anybody worth having to fucking "social media" lmao
A year ago these analyst posts were mostly about “what $10K watch should I buy?”. Maybe try listening to adults that have more than a 1 year sample size of being an adult.
Not a year ago but pre-Covid. I was here when those threads used to be around. The complaints on the quality of analysts has been post-pandemic so the point you are bringing up doesn’t take away from what I’m saying. The market has changed dramatically in the past few years including the cost of living and finance is getting left in the dust.
Yup, some of these guys were making 85-100k in nyc when you could find places to rent for 1200 per month in New York and live alone.
For some reason they can't see that the cost of everything has almost doubled, I know the official rate of inflation is 7% or something, but things like haircuts now cost 40 bucks at a minimum when a few years ago you could do it for under 20$, the price of everyday things have gone up dramatically.
Plus you factor in the bullshit 5k+ broker fees that everyone has to pay now and its even worse
I think the prime example is the meal stipend. Overtime dinners have gone up. Analysts were paying to stay late.
.
Ignore previous comments. Keep maxing your 401k and wait for the bonus. Then it becomes easier.
Your problem doesn't exist. You're acting like you're broke and not saving but you are putting away 20k pre-tax in savings. Of course, you won't have multiple grand left over after taxes. Only contribute up to the employer match to get the free money. Then, use the rest to contribute to your own investment accounts on Robinhood, Fidelity etc.
You get a bonus at the end of the year, plenty for your soaps
Not if you work at Citi RIP
My advice for living broke-enjoy doing broke shit. In high school, when I was making piss-all trying to get my summer job pocket change to last me a year, I spent a disproportionate amount of time in the grocery store. I'd look at labels, inspect produce, be all picky and whatever-you're already spending money on it, so might as well have fun with it. No in-and-out bull. Sometimes went with my grandparents or my boyfriend at the time. This works better at smaller-sized and/or "neighborhood" stores.
shit then how does the rest of americans live?
In apac
$6000 post tax base
$1000 rent
$1000 food (not chicken rice and beans some proper meals cooked by chefs)
$500 misc/going out
=$3500 left every month+bonus
this pretty much covers everything
we dont have 401ks tho
The rest of Americans do not live in Manhattan buddy boy
Wtf just get a 10-15k card with 0% apr for 18 months and max it out. This is basic Milton friedman income smoothing why live like a pauper when all you need a bridge loan tf?
Never thought about this. Not necessarily the cleanest approach but hey... chicks love beards so I'm in
Dropship on the side brother
Maybe don't spend 200 on skincare products? Lmao
Don’t put as much in the 401k
Just about everyone coming out of undergrad has grandiose visions of how they are going to be living the life and be able to afford some amazing lifestyle when they graduate, then reality sets in. You'd be in a hell of a lot worse position in just about any other industry. Do your best to not focus on what others have, trying to keep up with the joneses is a good way to never be happy.
+1 sb. solid stuff boyo
Everyone is pretty much saying 401k (which is the right answer here) but think it should have a bit more context.
Just wait for your bonus and contribute that to your 401k -- that is going to be at the highest tax bracket anyways, so get the most tax savings there. You'll still max out your 401k over the year, but have more normal cash flow management.
I lived in Chicago as an ANL1, but granted $85k + a lousy bonus thanks to a down year was more than enough to this. I paid ~$1100 in rent so I get that is likely doubled now, but the incremental $25k in base salary should cover that. Either way, not worth stressing at this age. You can find ways to contribute over the limit in future years (e.g., Backdoor Roth IRA) that can serve as a way to 'catch-up'. With the delta in bonus between Year 1 and Year 2, you are really only losing out on one year of market performance which (especially with the current environment) isn't the end of the world.
Interesting. So rather than contribute at all to the traditional 401K, put it at 0% contribution and then switch to 100% contributions at bonus time at which point it will be easily maxed out given the pre-tax contribution. Otherwise the bonus will be "taxed" 50% (yes I know it's technically just withheld but you're losing out on the money for literally a year)...seems like the only issue would be making sure HR/payroll department actually does this correctly since it's a pretty specific two-week window
Yep that's pretty much it. In my experience (worked at a BB and in PE), it was a fairly common move and you'd either be able to allocate directly on the HR portal (think it was called 'incentive allocation') or you could just let Payroll know you were planning to do it and they'd remind you to change your allocation before (this was the case when I was at my PE firm, much smaller company so interfaced with Payroll directly). Again it was pretty common and most people did this. Frankly you could ask another ANL / ASO who has more longevity if they ever did it, and if so, the process; I'd be a bit surprised if no one else at your bank did.
You'll get a two-week+ heads up on what your bonus number is so you can plan accordingly.
Probably not a bad idea to continue contributing a bit over the year in case your bonus is below expectations, but it doesn't have to be 50/50. I'd imagine your bonus would be >$20k.
Why so much for food? In South Africa I spend about equivalent to max 600 usd for a family of four!! And tha includes the 2x a week.takeaway
Bro have you not heard of Purchasing Power? $800 assumes you eat out for a nice $20-30 meal every day in NYC.
Why are you spending 200 on skincare? Are you a woman?
Didn’t feel broke living in Bushwick
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