So, your first grown-up job is locked down, your first apartment in your dream city is leased, and your first paycheck deposited. Welcome to your main character era!

But at the risk of sounding like your parents, all the expenses that come with city living stack up fast. And in this economy, few of us can afford to be totally carefree. In fact, over half of Gen Zers (51%) say they don’t earn enough to live the life they truly want, citing the high cost of living as one of their biggest financial barriers.

And sure, you might not have an influencer’s salary, but that doesn’t mean you can’t enjoy yourself. It just means you’ll need to create a budget that helps you afford all those fun, young city activities like espresso martini brunches and viral workout classes.

Luckily, a little bit

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