Budget Analysis Projection

Dave Ramsey says work from the end to the beginning. Meaning work as if you have already accomplished your goals.

I want to be a budget analyst

I love creating and looking at budgets and seeing what fits where.

That is my ultimate goal is to retire as a budget analyst when I am 75 years old

Yesterday I created 4 budgets for myself to achieve my goals and see where I am headed.

I projected my income for the next 25 years.

I made a current budget for my current income, which I use the Dave Ramsey Every Dollar app for. I will have this budget from 2019 – 2023. I expect to have all my credit cards paid off by the time I graduate from grad school.

I made a budget for my entry level salary after I take the CPA exam for accounting. My starting salary needs to be 42k for me to implement that budget. That’s actually kinda low for a Masters degree but I wanted to be conservative in my budgets. I expect to earn that amount from years 2024 – 2026

2026 – 2030 Monthly Budget Projection: with 2 years experience as an accountant, my salary should be $60k. I know that’s a big increase, but even if I have to switch to a different company or something, I should be able to command that salary with some experience as an accountant. During this time I expect to continue living where I am and keeping a very low living expenses, similar to what they are now, so I can pay off all my debt including student loans. I hope my landlord doesn’t kick me out cause I plan on being here for a total of 10 years.

2030 – 2045 Monthly Budget Projection: As a budget analyst with 6 years experience as an accountant I should be making about $80,000 a year. I should have no debt at this time not even student loans and I should be able to buy my condo with my second year as a budget analyst. I want a 3 bed/ 3 bath condo. 1 bed/bath for me, 1 bed/bath for a roommate to help with the mortgage, and the last bedroom I want to turn into a luxury closet/dressing room. Also during the first 5 years at that job I should be able achieve all my financial goals which includes a lot of plastic surgery which I priced out to see how I can achieve that. I expect to get my first plastic surgery, a breast lift, at 56 years old. If I follow my budget during this time, I should have a $200,000 condo paid off in 15 years.

After I pay off the condo, I will work 4-5 more years just to save up a good chunk of money. I will invest in Retirement and Mutual funds. I should be able to retire at 75 years old and live off $40,000 a year retirement/social security/savings income.

The budgets are much more detailed than this and I am so glad I did them cause now I know where I’m headed and what I need to get to my goals.


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