Shannon Penney, 37, New York City Recently finished her first year as a registered nurse making $120,000 a year. Has built up robust savings, but costs for her dog and mental health care can still squeeze her budget. New job has given her a window into the inequalities of the health care system. Primary source of income: Working full-time as a registered nurse at NewYork-Presbyterian Hospital making $120,000 annually. Budget pain points: Penney said her mental health care costs have gone up since she switched to nursing.

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Persons: Shannon Penney, Penney, ”, “, ” Shannon Penney, —, — Penney, she’d, She’s, Roth, Bankrate, ’, ” Penney Organizations: NBC, Presbyterian, Weill Cornell Medical Center, Presbyterian Hospital, Federal Reserve, Deloitte Locations: New York City, NewYork, Manhattan, ”, Westchester , New York