Risk Manager in Dallas — Money Diary

Occupation: Risk manager
Industry: Commercial real estate development
Age: 30
Location: Dallas, TX
Salary: ~$125,000 ($105,000 base plus ~20% bonus paid quarterly in varying, lump-sum installments).
Assets: ~$33,000 in cash ($2,153 in my checking; $1,392 in joint checking; $29,501 between personal and joint HYSAs); $59,283 in my retirement ($49,283 in a 401(k) and $10,000 in a Roth IRA); $4,695 in an HSA; ~$140,000 in home equity; ~$5,000 in auto equity; and $243,000 in a trust. My husband and I mostly combine our finances: For household expenses and bills, we use a joint checking account, a joint credit card, a joint HYSA (50/50 contributions most of the time) and we co-own our house. But we also maintain separate checking, savings and CCs for personal use.
Debt: ~$290,000 ($260,000 mortgage; $30,000 car loan).
Paycheck amount: $3,001.92 net bimonthly (mine); $2,213.04 biweekly (my husband’s. He has an annual salary of ~$130,000).
Pronouns: She/her