My Life Plan Essay

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Pages: 4
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My Life Plan
By Jason Valdovinos
Period 4
Mr. Simon

Checking & Savings
 At age 18 I plan to get a debt Chase Visa card Credit Card
 I will get a Visa credit card. Its limit will be
$800.
 I will only use my credit card when I know I can pay whatever I am buying back on time.
 I will pay my credit card debts with my job at
In n Out Burger.

UC San Diego
 My tuition at UC San Diego will be $23,576 per year.
 I will receive an academic scholarship of
$3000 for four years.
 I will have to take out a loan for $94,304
 I will be working at In n Out during college to help pay for it.
 My major will be in managerial economics.
 My future job will be an Economist.

Economist
 My yearly salary will be $119,327
 My wife's yearly salary as a registered nurse will be
$66,220
My monthly salary will be $9,937
 Benefits include------------------------------- My salary combined with my wife’s
Salary will be $185,547

Dreams & Things I’d Want







At age 29 I will get married.
My wife will be a registered nurse .
Our honeymoon will be at Honolulu, Hawaii.
I will have at least two kids around age 30.
My car will be an Audi A7 TDI.
We will purchase a house for $646,000 at a
3.92% interest rate for 30 years. Our monthly bill will be $3,054.

Audi A7
 My new car costs $94,160,00.
 My monthly bill will be 2,524.60 for 36 months.  My APR was 3.9%

Investments
 I will invest $499.99 in the stock market
 The stock market I will invest in will be
Southwestern Energy Co.
 Each share costs $15.77. I will have 31.70 shares.  I will invest in a 401-K at age 28. I will invest
10% of my yearly income to 401-K. Each year I will have put $11,932.7 into my 401-K.
I will retire at age 65 with a total of
$2,711,910 after 37 years.

 Monthly Breakdown-Single
 Total Income $9,937
 Loans
-Mortgage/Rent Payment $3,057
-Car Loan $2,524.60
-Student Loan $1,836
-Boat Loan $0
-Pool Loan $514.40
-Homeowners Insurance $83
-Auto Insurance $164
-Life Insurance$29.98
-Mortgage Insurance $90
-Credit Card $0
Investments
-Savings $1000
-Stock $499.99
 -401-K
Utilities
-Electric $105.67
-Water $60
-Gas $150
-Trash$40

$994.39

Help
-House Cleaner $100
-Gardener $100
-Bug Guy $95
-Alarm System $65
-Pool Guy $80
-Cable/TV
-Phone
-Internet $99

 Miscellaneous
-Cell Phone $120
-Gym Membership

$25.99

Necessities
-Food $950
-Clothes $650
Total Expenses$13,433.42
Total Income - Total Expenses- I will still owe $3496.42 but I will use a credit card to pay the rest so I can build credit.

Disposable Income-nothing

 Monthly Breakdown-Married w/ kids
 Total Income $15,090
 Loans
-Mortgage/Rent Payment $3,057
-Car Loan $2,524.60
-Student Loan $0
-Boat Loan $0
-Pool Loan $514.40
-Homeowners Insurance $83
-Auto Insurance $164
-Life Insurance $29.98
-Mortgage Insurance $90
-Credit Card$0
Investments
-Savings $1000
-Stock $499.99
 -401-K
Utilities
-Electric $105.67
-Water $60
-Gas $150
-Trash $40

$994.39

Help
-House
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