Miriam Gantman, – Tutor, and PhD Candidate at Columbia University

Age: 29

Monthly income: $1,000 to $4,000

Children: none

Debt: 70,000 in school loans

Savings: Not that much

Future earning potential: High

Future investment desire: Yes

Tables below Miriam’s monthly expenses.

Average Essential Monthly Expenses

Groceries	$250
Housing	$900
Vehicle	$340
Utilities, fuel, and public services	$60
Household operation	$50
Housekeeping supplies	$10
Healthcare	$650
Education	$0 for now
Total	$2,260

Average Extra Monthly Expenses

Eating out	$200–$300
Entertainment	$400
Apparel and services	$400–$600
Beauty care	$50
Alcoholic beverages	$0
Reading	$50
Vacation	It’s a once a year thing, so $3,500 per year
Gifts	$0
Total	$1,100–$4,900

Minimum monthly income = $1,000 < average essential monthly expenses = $2,260

Maximum monthly income = $4,000 > average essential monthly expenses = $2,260

Maximum monthly income = $4,000 > average essential monthly expenses + minimum extra monthly expenses = $3,360

Depending on her monthly income and monthly savings, Miriam could consider investing 10 percent of her monthly savings in the forex market, with a 2 percent risk appetite.

**月平均の必要経費**
食料品	$250
家賃	$900
車維持費	$340
公共料金、燃料、および公共サービス	$60
家庭用品	$50
保険・病院	$650
教育	$0
合計	$2,260

**月平均のその他の雑費**
外食	$200-300
娯楽	$400
衣類とサービス	$400-600
美容	$50
お酒	$0
書籍	$50
休暇	$3,500/年
ギフト	$0
合計	$1,100-4,900

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