All diaries
Sample
TechSan Francisco, CARecovering Spender

Software Engineer (L4, mid-size SaaS)

Age 26·they/them
Published April 7, 2026

This week I caught myself adding $340 of workout clothes to cart and put most of it back

At a glance

Annual Salary
$198,000
Weekly Spend
$3,868
Monthly Housing
$1,850
Monthly Expenses
$1,771

Financial snapshot

Assets
401k (maxing)$76,000
HSA$8,200
Roth IRA$14,000
Taxable index fund$48,000
Emergency HYSA$18,000
Net worth$164,000

Background

QEducation & How I Paid For It

I went to UCSD for CS. My parents covered tuition outright, no loans, and I paid my own rent from resident advisor jobs sophomore year on. That mix of help and independence made me feel both privileged and a little scrappy, which I'm still untangling now.

QGrowing Up & Money Conversations

I grew up in the suburban Bay Area where money was quiet and available. I never had to ask for anything, which sounds lucky, and it was, but it also meant I never learned what things actually cost until I started earning.

QMy Financial Safety Net

My parents have substantial savings and have told me plainly they could float me for a year if something happened. I don't plan to ever use it, but knowing the floor exists changes how I make decisions. I try to be honest about that when friends talk about risk.

QDo I Worry About Money?

My money anxiety isn't about survival, it's about values. Am I getting soft, am I buying things to fill a gap, is this actually the life I want, or just the San Francisco default I drifted into because it was easy?

QMy Relationship With Money

I'm working through genuine guilt about earning more than most of my friends by 26. Therapy helps. I've stopped performing frugality to seem relatable, but I haven't figured out how to just be honest about my number yet.

QWhat I'm Most Proud Of

I've maxed my 401k and HSA every year since I started working. It's not glamorous and nobody claps for it, but watching those numbers compound quietly while I ignore them is the most adult thing I've ever done.

QWhat I'd Do Differently

Year one of this job I spent three grand on a carbon fiber road bike I was convinced would change my life. It's hanging in the garage right now. I ride it maybe twice a year and mostly feel guilty when I see it.

Monday$50
7:15
Morning journal

Ten minutes with the notebook before coffee. Wrote about the workout clothes I almost bought last night and why my brain framed it as self-care instead of stress-shopping.

8:05
Blue Bottle cold brew$7

Walked to the Mint Plaza Blue Bottle before BART. The cold brew is six-fifty and I know it's absurd, but the ritual of it is the one consistent thing in my morning.

8:30
BART to SoMa$5

16th Street Mission to Montgomery, standing room only. Clipper auto-reloads so I barely register the fare, but I tried to notice it today. Five-forty each way adds up faster than I want to admit.

12:30
Office lunch

Catered salad bar at the office, free. Had the grain bowl with salmon. I know the free food is a lifestyle subsidy dressed up as a perk, but today I'm just grateful my lunch budget got a break.

13:45
Design review

Presented the retry logic I've been building for three weeks. My staff engineer pushed back hard on the queue model and I felt the impostor syndrome spike. Breathed through it. The feedback was fair.

17:30
Gym session

Equinox after work, lower body day. The corporate rate makes it a hundred seventy-five a month and I still flinch every time I think about it, but I go four times a week so the math works.

18:45
Bi-Rite groceries$38

Picked up arugula, a loaf of sourdough, and a wedge of Point Reyes blue for the week. Bi-Rite is a tax on taste, but it's two blocks from home and I keep paying it.

19:30
Zoom therapy

Weekly session with my therapist, fully covered through work insurance. We talked about money shame and what it means to own my salary out loud. Hard hour. Worth it.

21:00
Dinner at home

Pasta with the blue cheese and arugula, took ten minutes. This is the meal I make when I'm too tired to think. Ate standing at the counter scrolling Hacker News.

22:15
Evening journal

Closed the day with another short journal. Tracked mood, noted that therapy always leaves me wrung out but clearer. Lights out before eleven, which is a personal record lately.

Tuesday$60
6:30
Embarcadero run

Five miles along the Embarcadero before work, cold fog, the pier lights still on. This is the one hour of the day where my brain goes quiet and nothing costs anything.

7:50
Bodega breakfast$4

Bacon egg and cheese from the corner bodega on Valencia, four bucks. Faster than making something at home and I don't feel guilty because it's a quarter the price of anywhere with branding.

9:00
RSU vest landed

Quarterly vest hit Schwab. About fifty-eight hundred net after withholding, which still feels surreal to type out. Logged in, stared at the number, closed the tab. Not selling, not spending, just noticing.

12:15
Office lunch

Catered today was Thai. Ate with a coworker who joined last month, swapped stories about first paychecks. She made half what I do at her last job and is visibly thriving on less. Humbling.

14:30
Cart abandoned

Opened Lululemon, added new running tights, two tops, a jacket. Three hundred forty in the cart. Closed the tab. Old me would have checked out. New me is sitting with the urge and not feeding it.

17:00
Code review backlog

Caught up on eleven pull requests before leaving. I like the quiet focus of review hours. No meetings, just reading other people's thinking. Felt useful for the first time this week.

19:00
Dinner with coworker$42

Shared small plates at Rintaro with a coworker who also started in twenty-twenty-three. We split the bill down the middle, forty-two each, and spent most of the meal talking about what we'd do if we quit.

21:30
Lyft home$14

It was raining hard, and I was too full and too tired to wait for the 14. Lyft home fourteen dollars. I don't love the number but I love getting home dry and warm more.

22:00
Roommate check-in

Sat on the couch with one of my roommates and a mug of tea. She's freelancing and asked how I budget. Realized I mostly don't, and that I should feel weirder about that than I do.

22:45
Evening journal

Wrote about the cart, the vest, the dinner. Three small decisions that in a previous year would have all flipped the other way. Progress looks incredibly boring up close, which is fine.

Wednesday$3,125
7:45
Philz coffee$6

Philz on my walk to BART, Mint Mojito iced. Five seventy-five. I know Philz is a habit and not a need, but this one I'm keeping. It makes the walk to the train feel like mine.

8:35
BART to work$5

16th Street to Montgomery again. Read ten pages of the novel I've been carrying for three weeks. The commute is the only time I'm offline, which tells me something I'm not ready to fix yet.

10:30
1:1 with manager

Talked through my promo trajectory. My manager thinks L5 is real for mid-year. I felt a pulse of want and a pulse of dread. More money would help, and it would also tighten whatever this is.

12:45
Office lunch

Poke bowls today at the office. Ate at my desk while finishing a doc. I do this too often. Lunch should probably be a thing I leave my laptop for, but here we are.

15:00
Brokerage transfer$3,000

Moved three thousand from checking into the taxable index account. Auto-invested into the total market fund. Took ninety seconds. Felt like the only responsible thing I'll do today, maybe this week.

18:00
Trader Joe's run$48

Stocked up on frozen dumplings, yogurt, bananas, soup, and flowers for the kitchen. Forty-eight bucks for a week's worth of staples. Trader Joe's is the one place my finance brain and my feelings agree.

19:15
Climbing gym guest$28

Went to Mission Cliffs with a friend who's visiting. Her guest pass was on me, twenty-eight dollars. Haven't bouldered in two months. My fingers gave out in forty minutes and I loved every second.

21:00
Pho dinner$16

Turtle Tower on Larkin after climbing. Extra-large number one, sixteen dollars including tip. Sat at the counter alone, steam fogging my glasses, and it was maybe the best meal of my week.

22:15
Internet bill$22

Sonic bill auto-debited, my share of the three-way split was twenty-two dollars. Noted it in the roommate spreadsheet. We're oddly diligent about utilities in this house, and I think it keeps us friends.

22:45
Evening journal

Wrote about the promo conversation. Tried to separate what I want from what I think I should want. No conclusions, which is the honest answer. Bed by eleven-thirty, alarm set for another run.

Thursday$44
6:45
Early run

Three miles around Dolores Park loop before work. Slower than Tuesday, foggier, but I'm starting to notice how much steadier I feel on days I run first thing. It's basically free therapy.

8:00
Oatmeal at home

Steel-cut oats from the Trader Joe's run, a spoon of peanut butter, banana on top. Fed me for ninety cents of ingredients. I notice I feel smug about oatmeal. The smugness might be the point.

8:50
BART$5

Standard commute, five-forty on Clipper. The train was packed and someone's backpack was pressed into my ribs the whole ride. Some mornings you just endure transit and pretend to read.

11:00
Deep work block

Shipped the retry logic fix I've been stuck on since Monday. Two hours of flow, no Slack. It's rare enough now that I want to write it down so I remember what a good day at work feels like.

12:30
Lunch out$22

Walked to Souvla with a coworker for a break from the office cafeteria. Rotisserie chicken salad, twenty-two bucks with tip. Outside in the sun for an hour, which fixed something small in my brain.

15:30
Therapy copay

Short mid-week session, twenty minutes on the phone. Zero copay with my plan. Processed the promo conversation from yesterday. Therapist asked what I'd do if the answer was no. I didn't have one.

17:15
Muni to Tartine$5

Took the 22 from work toward Tartine Manufactory to meet a friend. Fare was two-fifty each way, so five bucks round trip. Felt indulgent to go out of my way on a weekday for pastry.

17:45
Tartine pastry$12

Morning bun and an iced tea at Tartine, twelve dollars. Split the bun with my friend because it's the size of a small planet. Sat outside talking for an hour about nothing consequential.

19:30
Dinner at home

Rice, kimchi, an egg, leftover salmon from the work cafeteria I snuck home on Monday. Total cost approximately zero. The apartment smelled like garlic for an hour and nobody complained.

21:30
Reading in bed

Read another forty pages of the novel with a mug of ginger tea. No phone, no laptop. The book was a gift from my sister, so even the entertainment cost was sunk months ago. Fell asleep by eleven.

Friday$303
8:30
Team offsite breakfast

Company paid for a catered breakfast at the office to kick off Q2 planning. Pastries, eggs, coffee, the full spread. Ate too many scones. Free food is a hazard when you're already overcaffeinated.

9:15
Planning meeting

Three hours of Q2 roadmap. I pitched one project I actually care about and it survived. Small victory. The rest of the meeting I was mostly watching the clock until half-day PTO kicked in.

13:00
BART home early$5

Left the office at one. BART home felt different when it wasn't rush hour, quiet and sunlit. Five-forty on Clipper. I should take half-days more often just for the off-peak commute.

14:30
Massage$130

Ninety-minute massage at a place in the Mission I've been saving for a hard week. A hundred thirty with tip. This is a splurge I'm choosing on purpose, and I left feeling like a person again.

16:30
Running shorts$58

Stopped by the running store on Valencia. Bought one pair of shorts to replace the pair with the broken drawstring, fifty-eight dollars. Left the matching top on the rack. Small win.

18:00
Pre-dinner reset

Showered, changed, put on the one nice shirt I own, lit a candle, sat with a glass of water and read for twenty minutes. Entering dinner as a person and not a tired project.

19:30
Dinner at Nopa$92

Three of us at the bar at Nopa. Shared the grilled flatbread, burger, and the pork chop. Bottle of wine. My share came out to ninety-two dollars with tip. Entirely worth it, every bite.

22:00
Lyft home$18

Shared a Lyft back to the Mission with one friend, split meant eighteen bucks on my card. Could have taken the 24 and saved it. Tonight I didn't want to. That's also a choice.

22:45
Financial noticing

Tallied the day in my notes app. About three hundred three dollars spent, most of it on a single dinner and a massage. Year-ago me would have been spiraling. Tonight I just logged it.

23:15
Journal and bed

Quick journal. Wrote about what intentional spending feels like versus numb spending. The first one leaves you tired and warm. The second one just leaves you tired. Lights out.

Saturday$76
9:00
Coffee at home

Made pour-over with beans from last Saturday's farmers market stop. Sat by the window, no phone. The coffee at home is honestly better than Blue Bottle. I still go to Blue Bottle.

10:00
Climbing session

Two hours at Mission Cliffs on my monthly membership. Sent a V3 I'd been projecting for weeks. The feeling of unlocking a problem with your hands is a very different currency than anything at work.

12:15
Ferry Building market$34

Walked the farmers market at the Ferry Building. Bought strawberries, a small loaf of bread, and a bag of coffee beans. Thirty-four dollars. Absolutely a tax on groceries I could have gotten cheaper.

13:00
Coffee with a friend$9

Met an old college friend at Sightglass on Seventh. She got the cortado, I got a drip, nine dollars on my card because she paid last time. Talked for two hours about work, rent, parents.

15:30
Thrifting (no spend)

Wandered Community Thrift on Valencia for an hour with my friend. Tried on a corduroy jacket and put it back on the rack. The point today was the wandering, not the acquiring.

17:00
Nap

Home, horizontal, forty-five minute nap on the couch with the window open. I used to think weekend naps were wasted time. My therapist and my body disagree. I'm listening to both.

19:30
Alamo Drafthouse$21

Solo matinee-price evening show at the Alamo on Mission, twenty-one dollars with the fee. Watched a weird little sci-fi thing. Love going to the movies alone. Nobody to debrief with, nothing to perform.

22:00
Golden Boy pizza$12

Two squares of clam and garlic from Golden Boy on the walk home, twelve dollars. Eaten standing on the sidewalk outside. This is peak San Francisco to me and I refuse to stop doing it.

22:45
Credit card autopay

Card autopay hit overnight, statement total paid in full, twenty-two hundred something. Logged it mentally. I've paid in full every month for three years and it's still the quiet pride I lean on.

23:30
Weekend journal

Wrote a short entry about what a good Saturday costs me. About seventy-six bucks today, and more importantly, zero decisions I regret. That's the metric I actually care about now.

Sunday$209
9:30
Slow breakfast

Eggs, toast, the last of the Ferry Building strawberries, coffee from yesterday's beans. Ate at the kitchen table with a roommate. First unrushed breakfast of the week, and I felt it in my shoulders.

11:00
Zipcar to Costco$24

Split a Zipcar with a roommate for the Costco run. My share of the three-hour booking was twenty-four dollars. Cheaper than owning a car in this city will ever be. I can confirm.

11:45
Costco haul$124

Costco in South SF. Chicken thighs, rice, eggs, salmon, spinach, two rotisserie chickens, paper towels, one extravagant block of cheese. A hundred twenty-four dollars that will feed me for two weeks.

14:00
Meal prep

Two hours of meal prepping in the kitchen with the window open. Five lunches and three dinners portioned out. The cheapest, most satisfying thing I do every Sunday, and my weeks are always better for it.

16:00
Finances review

Opened the personal spreadsheet. Net worth up about forty-two hundred dollars this month, mostly from market and the vest. Didn't change any contributions. Closed the laptop feeling steady, not elated.

17:00
Quiet reading hour

An hour on the couch with the novel and no music. Finished the book. Closed it and stared at the ceiling for a minute like it had asked me something I couldn't answer. I love when books do that.

18:30
Dinner at home$11

Roasted one of the Costco chickens with lemon and potatoes. Two roommates, one bottle of cheap wine they brought, one long conversation. Total cost to me tonight: eleven dollars in ingredients.

20:30
Monthly donation$50

Monthly recurring donation to the SF food bank went out, fifty dollars. It's the one recurring charge I actively look forward to. Also the one my tax brain and my values brain fully agree on.

21:15
Stretch and shower

Twenty minutes on the mat, stretching out the climbing soreness. Long shower after. No podcast, no music, just water. Sunday body maintenance as a cost-free form of self-respect.

22:00
Sunday journal

Closed the week in the notebook. Listed three wins: didn't check out the cart, transferred the three grand, took the half day. Wrote: maybe recovering spender just means paying attention now. Slept.

This week at a glance

Savings$3,000
Food & Drink$476
Personal Care$158
Transport$83
Shopping$58
Gifts$50
Bills & Utilities$22
Entertainment$21
Total$3,868