“Grit” - A 30-year-old resident physician, married, and household income of $190,000+ (husband: $130K, her base: $62K plus “moonlighting” for up to $3K/month). Parents’ immigrant sacrifices paid off college; she graduated without student debt and has worked since undergrad now budgeting, saving, and aiming to buy a house while also trying to conceive. The couple has significant savings: $100K in a “future house/baby” fund, $60K invested, emergency fund of $31K, and $140K in combined retirement (net worth is 84th percentile for their age group). They live in a high-rent city, carefully track expenses, and save enough to max out two Roth IRAs yearly. Their story details a jam-packed week of hospital shifts, tight scheduling, balancing work, self-care, friends’ weddings, and relentless drive.