Scenario Cards Set
Life's Ledger
Official Scenario Dossier • Extended Set
REF: LL-2026-SCN-EXT
#01
Graphic Designer
Junior Associate • Urban City
Gross Annual:$48,000
Monthly Net:$3,200
Student Loans:-$350/mo
Initial Savings:$1,200
Lives in a high-cost city. Commutes via subway ($120/mo pass). Loves dining out and artisanal coffee.
#02
Diesel Mechanic
Trade Certification • Rural Outpost
Gross Annual:$52,000
Monthly Net:$3,450
Truck Loan:-$480/mo
Initial Savings:$3,500
Rents a small house. Long commute requires high fuel budget. Prefers outdoor hobbies and cooking at home.
#03
Barista & Student
Part-Time Work • College Town
Gross Annual:$24,000
Monthly Net:$1,750
Tuition Gap:-$200/mo
Initial Savings:$400
Lives with 3 roommates. No car; bikes everywhere. Extremely tight budget for food and social life.
#04
Dental Hygienist
Associate's Degree • Suburbs
Gross Annual:$68,000
Monthly Net:$4,500
Car Loan:-$320/mo
Initial Savings:$8,000
Lives alone in a nice apartment. Values high-end fitness membership and organic groceries.
#05
Gig Driver
Independent Contractor • Mixed
Gross Annual:$38,000
Monthly Net:$2,400*
Maintenance:-$250/mo
Initial Savings:$1,500
Income varies. Must set aside 25% for taxes independently. High fuel and insurance costs.
#06
Software Intern
Rising Junior • Tech Hub
Gross Annual:$42,000
Monthly Net:$2,900
Credit Debt:-$150/mo
Initial Savings:$2,000
High rent, but works from home 3 days/week. Technology hobbyist with expensive subscriptions.
#07
Retail Manager
Experience Based • Suburbs
Gross Annual:$44,000
Monthly Net:$3,000
Old Loan:-$180/mo
Initial Savings:$1,800
Reliable car owned outright. Supports an elderly parent with $200/mo groceries.
#08
Registered Nurse
Bachelor's Degree • Urban
Gross Annual:$75,000
Monthly Net:$4,900
Student Loans:-$550/mo
Initial Savings:$5,000
High-stress job requires therapy/wellness spending. Often works overtime (occasional bonus).
#09
Cosmetologist
Vocational License • Suburban
Gross Annual:$34,000
Monthly Net:$2,250
Chair Rental:-$400/mo
Initial Savings:$800
Income includes tips. Must pay for own health insurance ($250/mo). Lives with a partner.
#10
Police Officer
Academy Graduate • Suburban
Gross Annual:$60,000
Monthly Net:$4,000
Union Dues:-$80/mo
Initial Savings:$4,500
Mandatory pension contribution included in net. Has a large dog ($100/mo food/vet).
#11
Sous Chef
Culinary School • Urban
Gross Annual:$55,000
Monthly Net:$3,700
Culinary Loan:-$280/mo
Initial Savings:$1,000
Works late nights. High grocery bill for "testing recipes." Splits rent with 2 others.
#12
Electrician
Journeyman • Suburban
Gross Annual:$62,000
Monthly Net:$4,100
Tool Payment:-$120/mo
Initial Savings:$6,000
Saving to buy a house. Very disciplined saver. Uses a company van for work (low gas).
#13
Elem. Teacher
State University • Rural
Gross Annual:$40,000
Monthly Net:$2,700
Class Supplies:-$50/mo
Initial Savings:$2,200
Low cost of living. Spends summers working a side gig (not included in budget yet).
#14
HVAC Tech
Entry Level • Suburbs
Gross Annual:$46,000
Monthly Net:$3,100
Car Loan:-$380/mo
Initial Savings:$1,500
Lives at home with parents (pays $300/mo "rent"). Trying to save for first apartment.
#15
Social Worker
Master's Degree • Urban
Gross Annual:$52,000
Monthly Net:$3,500
Student Loans:-$450/mo
Initial Savings:$2,500
Uses personal car for home visits (reimbursed for gas). High rent city living.
#16
Entry Accountant
Bachelor's Degree • Suburbs
Gross Annual:$58,000
Monthly Net:$3,900
Credit Cards:-$200/mo
Initial Savings:$3,000
Meticulous with numbers but recently overspent on a vacation. Paying down debt.
#17
Web Designer
Self-Employed • Urban
Gross Annual:$65,000
Monthly Net:$4,000*
Software/Tech:-$150/mo
Initial Savings:$7,000
Needs to buy own health insurance. Income fluctuates based on clients.
#18
Firefighter
Certifications • Suburban
Gross Annual:$62,000
Monthly Net:$4,200
Child Support:-$600/mo
Initial Savings:$2,000
Works 24-hour shifts. Commutes in an older truck that needs frequent repairs.
#19
Real Estate Agent
License Required • Suburbs
Gross Annual:$70,000
Monthly Net:$4,300*
Marketing:-$400/mo
Initial Savings:$12,000
Income is 100% commission. Must maintain a professional wardrobe and clean car.
#20
Librarian
Master's Degree • Urban
Gross Annual:$54,000
Monthly Net:$3,600
Student Loans:-$420/mo
Initial Savings:$3,500
Lives in a studio apartment. Walks to work. Enjoys museums and reading (low cost fun).
#21
Farm Manager
Exp/Education • Rural
Gross Annual:$48,000
Monthly Net:$3,200
Health Ins:-$300/mo
Initial Savings:$5,000
Housing is provided (rent-free). Pays for utilities only. Very remote location.
#22
Vet Technician
Certifications • Suburbs
Gross Annual:$38,000
Monthly Net:$2,600
Credit Cards:-$120/mo
Initial Savings:$1,200
Has 3 rescue animals. Food and vet bills are high despite work discounts.
#23
Aviation Mech.
A&P License • Suburbs
Gross Annual:$68,000
Monthly Net:$4,500
Tool Debt:-$250/mo
Initial Savings:$4,000
Works at a major airport. Long commute. Married, split living expenses with spouse.
#24
Marketing Coord.
Bachelor's Degree • Urban
Gross Annual:$50,000
Monthly Net:$3,400
Student Loans:-$380/mo
Initial Savings:$2,000
Loves trend-following. High spending on clothes and social media aesthetics.
#25
Phlebotomist
Cert. Program • Rural
Gross Annual:$36,000
Monthly Net:$2,500
Credit Cards:-$100/mo
Initial Savings:$600
Single parent (1 child). High childcare costs ($400/mo). Extremely lean budget.
#26
Plumber Appr.
Union Apprenticeship • Suburbs
Gross Annual:$32,000
Monthly Net:$2,200
Union Dues:-$60/mo
Initial Savings:$1,000
Getting paid while learning. Lives in a shared apartment. Saving for a reliable work truck.
#27
Travel Agent
Cert./Exp. • Urban
Gross Annual:$42,000
Monthly Net:$2,900
Laptop Loan:-$80/mo
Initial Savings:$2,500
Works remotely. Frequent travel (partially subsidized but still expensive). Values experiences.
#28
Civil Engineer
Bachelor's Degree • Urban
Gross Annual:$78,000
Monthly Net:$5,100
Student Loans:-$650/mo
Initial Savings:$8,000
High rent in the city center. Dedicated to early retirement; invests $1,000/mo.
#29
Paralegal
Assoc. Degree • Suburbs
Gross Annual:$52,000
Monthly Net:$3,500
Credit Cards:-$250/mo
Initial Savings:$1,500
Professional attire required ($100/mo). Lives in a townhome. High grocery spender.
#30
Yoga Instructor
Certifications • Urban
Gross Annual:$36,000
Monthly Net:$2,300*
Studio Rent:-$300/mo
Initial Savings:$3,000
Self-employed. Values wellness and high-quality organic food. Bikes to various studios.
#31
Pharmacy Tech
Cert. Program • Suburban
Gross Annual:$38,000
Monthly Net:$2,600
Car Repair:-$150/mo
Initial Savings:$800
Lives in a modest apartment. Commutes 30 mins each way. Trying to build an emergency fund.
#32
Welder
Technical Cert • Rural/Industrial
Gross Annual:$58,000
Monthly Net:$3,900
Equipment Debt:-$200/mo
Initial Savings:$4,500
Works long hours in a warehouse. Owns a used truck. Enjoys hunting and fishing.
#33
Museum Curator
Master's Degree • Urban
Gross Annual:$54,000
Monthly Net:$3,600
Student Loans:-$480/mo
Initial Savings:$3,000
Lives in a walk-up apartment. Very cultured but frugal. Uses public transit ($100/mo).
#34
RE Photographer
Freelance • Suburbs
Gross Annual:$48,000
Monthly Net:$3,100*
Gear Lease:-$120/mo
Initial Savings:$2,000
High fuel and car maintenance costs due to driving between properties daily.
#35
Lab Technician
Bachelor's Degree • Urban
Gross Annual:$45,000
Monthly Net:$3,000
Credit Card:-$150/mo
Initial Savings:$1,200
Recent graduate. Renting a room from a friend to save money ($800/mo inclusive).
#36
SM Manager
Bachelor's Degree • Urban
Gross Annual:$50,000
Monthly Net:$3,400
Phone/Data:-$100/mo
Initial Savings:$4,000
Always on the move. High spending on "aesthetic" coffee shops and networking dinners.
#37
Park Ranger
Degree/Cert • Remote
Gross Annual:$40,000
Monthly Net:$2,750
Gear Loan:-$60/mo
Initial Savings:$5,000
Government housing provided ($250/mo rent). Low entertainment costs but high grocery costs (remote).
#38
PT Assistant
Assoc. Degree • Suburban
Gross Annual:$48,000
Monthly Net:$3,200
Student Loan:-$280/mo
Initial Savings:$2,200
Lives in a shared house. Prioritizes fitness and gym memberships. Saving for a vacation.
#39
Event Planner
Bachelor's Degree • Urban
Gross Annual:$55,000
Monthly Net:$3,750
Clothes:-$150/mo
Initial Savings:$6,000
High-stress job. Spends on convenience (delivery meals/cleaning service). Lives in a luxury studio.
#40
IT Support
Certifications • Suburbs
Gross Annual:$46,000
Monthly Net:$3,150
Car Loan:-$340/mo
Initial Savings:$3,500
Gamer with expensive hobbies. Lives alone in a one-bedroom apartment. Reliable car.
#41
Truck Driver
CDL License • OTR (Mixed)
Gross Annual:$65,000
Monthly Net:$4,400
Debt:-$400/mo
Initial Savings:$10,000
Always on the road. High food costs (dining at stops). Small apartment used only 4 days a month.
#42
Ed. Assistant
Bachelor's Degree • Urban
Gross Annual:$38,000
Monthly Net:$2,600
Credit Card:-$100/mo
Initial Savings:$500
Living paycheck to paycheck. No car; uses public transit. Shares rent with 3 others.
#43
Bank Teller
High School/Cert • Suburban
Gross Annual:$35,000
Monthly Net:$2,400
Car Loan:-$280/mo
Initial Savings:$1,500
Very disciplined with savings. Lives at home; pays $400/mo board. No student debt.
#44
Land. Architect
Bachelor's Degree • Suburbs
Gross Annual:$62,000
Monthly Net:$4,100
Software:-$60/mo
Initial Savings:$4,000
Active lifestyle. Spends on outdoor gear and national park passes. Commutes in a SUV.
#45
Customer Success
Bachelor's Degree • Tech Hub
Gross Annual:$54,000
Monthly Net:$3,650
Student Loan:-$350/mo
Initial Savings:$2,800
Works from home. High utility bills (AC/Heating). Loves social dining in the city.
Project Note
"Monthly Net" is an estimate after 20% deductions for Federal/State Taxes, FICA, and Healthcare.
* Indicates self-employed; tax liability is YOUR responsibility.