Item Amount Interest/type of securities held/Stock ticker Name of bank/brokerage Expense Ratio Account Type Joint Brokerage Account $183,256 VTSAX, some VTIAX Vanguard 0.0004 Investments Thrift Savings Plan $105,239 C Funds The Federal Retirement Thrift Investment Board 0.0006 Retirement High Yield Savings Account $40,170 Earns 4.75% APY CIT emergency savings Kat Roth IRA $26,057 VTSAX Vanguard 0.0004 Retirement Jay Roth IRA $23,041 VTSAX Vanguard 0.0004 Retirement Brokerage Account $10,044 Mutual funds Vanguard 0.001 Investments Checking Account $4,710 Earns 0.01% APY Chase Checking TOTAL: $392,517 On the other hand, a person who (like Jay & Kat) earns $78,048 per year but only spends $47,172 annually, will be able to invest the $30,876 difference each year.