I (25M) work a full time job at a university for $66k, which after taxes and contributions comes out to about $51k. This is in a very expensive American city. At this salary, I am unable to save any money between retirement contributions, bills, rent, parking at work, maintaining a normal social life…. My paychecks are 100% going towards these expenses and ever since inflation has hit, oftentimes I am overspending.
I used to work a second job, but the stress and overwhelmingness of going to another job after a full day in the office got to be too much.
I’m just really worried about my future. I have already been rejected once for a raise last month. I cannot maintain this for much longer or I will be in the red. I’m nowhere near where I think I should be financially for my age, and it’s very scary 🙁