Kicking It In Israel

Welcome back to “Kicking It,” where I break down how young, Jewish professionals earn, spend, save and give.

Please note that everyone filled out their forms in shekels unless otherwise noted. I converted shekels to dollars (based on the google currency exchange on the day I filled it out) in order to make this more easily understandable for American readers, but these are obviously estimates, and the conversion rate is constantly changing!

The link to the ANONYMOUS form of questions here: https://forms.gle/L7BZBYQa5HHRidzA7.  If you are a young, Jewish Professional in your 20’s/30’s, living anywhere!, married, single, partnered etc! feel free to fill it out, so I can continue to share more data!. You can also check the form to see all the questions that were asked.

Please note that not everyone filled out the forms completely. Some people might not have known all the information or they might not have felt comfortable sharing all of the data. If a question is omitted from a person’s submission, it is because they left it blank. If data seems off or inaccurate-it’s possible someone made a mistake somewhere!

PERSON #1

Age: 23

Gender: Female

Neighborhood: Givat Shmuel

Occupation: Student/babysitter

Yearly Salary (includes bonus): About 8,000 shekel (including other little jobs I do like translations or extra babysitting) (~$2,300)

Do you have another form of income in addition to your day job (ie additional job, help from family members etc)? If so, how much money do you make/ get from that?: My parents pay for rent and groceries, my grandma gives all the grandkids a little support, I pay for bills and all what’s fun+transportation. In addition I got some extra money from my national service and my Aliyah.

Married: No

Kids: No

Living Situation: Lives with roommates

EXPENSES:

Total Apartment Rent (per month): 6,650 shekel (~$1,911)

Individual’s rent portion (per month): 1,550 shekel (~$445)

Savings (per month): Definitely not enough

Phone Bill (per month): 99 shekel (~$28)

Medical/ Dental/ Vision (per month): 120 shekel (~$34)

Internet/ Cable (per month): 20 Shekel (~$6)

Charity (per month): It depends on the month and people’s need

Electric/ Gas/ Utilities (per month): 400 Shekel ($115)

Groceries (per month): 800 Shekel (~$200)

Metro Card/ Car/ Transportation (per month): 250 shekel (~$72)

Gym Membership (per month): 345 Shekel (~$99)

Seamless/ Eating out (per month): Not more than 300 shekel (~$86)

Anything you want to add about your budget/ monthly spending?: It’s very approximate, also I’m on a diet which makes the groceries more expensive!

PERSON #2

Age: 24

Gender: Female

Neighborhood: Jerusalem

Occupation: Program Director

Yearly Salary (includes bonus): 90,000 shekel (~$26,000)

Married: No

Kids: No

Living Situation: Lives with Roommate

EXPENSES:

Total Apartment Rent (per month): 4,500 shekel (~$1,293)

Individual’s rent portion (per month): 2,150 shekel (~$618)

Savings (per month):Depends on the month but definitely not as much as I should 😬😬 gonna be better about it this year

Retirement Fund (per month):Literally don’t even know how the Israeli salary/401k/taxes work b/c it’s in Hebrew so I just pray they’re doing it for me. Probably irresponsible but it’s my first job out of college so I’m taking each day as it comes!

Phone Bill (per month): 99 shekel (~$28)

Medical/ Dental/ Vision (per month): 30 Shekel (Aliyah benefits) (~$9)

Internet/ Cable (per month): 100 Shekel (~$29)

Charity (per month): Depends on the month but really try to give at least 50 shekel (~$14), some months more

Electric/ Gas/ Utilities (per month):Depends but about 500 shek/2 months

Groceries (per month): 700 Shekel (~$200)

Metro Card/ Car/ Transportation (per month): No clue but get 200 shekel (~$57) from my job

Gym Membership (per month): 529 Shekel (~$152)

Subscription Services (per month): Vpn blocker- $12, Spotify- $10

Dates (per month): Usually don’t pay 😬

Seamless/ Eating out (per month): Eek… like 900 shekel (~$259)

PERSON #3

Age: 25

Gender: Female

Neighborhood: Tel Aviv

Yearly Salary (includes bonus): Around 90,000 shekel (~$26,000)

Do you have another form of income in addition to your day job (ie additional job, help from family members etc)? If so, how much money do you make/ get from that?:4,000- 5,000shekel a year from additional job (~$1,100-$1,400), 4,000 shekel (~$1,100) a month from parents

Married: Yes

Kids: No

Living Situation: Lives with Spouse

EXPENSES:

Total Apartment Rent (per month): 6,200 shekel (~$1,782)

Savings (per month): $1,000-$2,000

Retirement Fund (per month): Israel does it for you automatically

Phone Bill (per month): 99 shekel (~$28)

Medical/ Dental/ Vision (per month): no clue actually i think between 1-200 shekel

Internet/ Cable (per month): 150 Shekel (~$43)

Charity (per month): 200 shekel (~$57)

Electric/ Gas/ Utilities (per month): 200-400 Shekel (~$57-$115)

Groceries (per month): 700 Shekel (~$200)

Metro Card/ Car/ Transportation (per month): 0

Gym Membership (per month): 200 Shekel (~$57)

List Subscription Services (per month): Spotify: $10

Seamless/ Eating out (per month): Not soo much

Anything you want to add about your budget/ monthly spending?: salaries in Israel suck

PERSON #4

Age: 26

Gender: Female

Neighborhood: Baka-Jerusalem

Occupation: Analyst

Yearly Salary (includes bonus): 160,000 shekel (~$46,000)

Do you have another form of income in addition to your day job (ie additional job, help from family members etc)? If so, how much money do you make/ get from that?: Occasional gifts from parents (flights to visit from Israel, some clothing)

Married: No

Kids: No

Living Situation: Lives with Roommates

EXPENSES:

Total Apartment Rent (per month): 5,000 shekel (~$1,437)

Individual’s rent portion (per month): 1,750 shekel (~$503)

Savings (per month): 2,000 shekel (~$575)

Retirement Fund (per month): Eek no fund, but Israel puts some away automatically

Phone Bill (per month): 60 shekel (~$17)

Medical/ Dental/ Vision (per month): 109 Shekel (~$31)

Internet/ Cable (per month): 20 Shekel (~$5.75)

Charity (per month): Varies from month to month, not hitting 10% yet (don’t feel established enough to do that, although it might be time)

Electric/ Gas/ Utilities (per month): 500 Shekel (~$144)

Groceries (per month): 1,000 Shekel (~$287)

Metro Card/ Car/ Transportation (per month): 1,200 (~$345)

Gym Membership (per month): 220 Shekel (~$63)

Dates (per month): Depends?

Seamless/ Eating out (per month): 300 Shekel (~$86)

Other Misc. Expenses (per month): 500 Shekel (~$144)

Anything you want to add about your budget/ monthly spending?:Budgeting is hard and so is knowing whether your decisions are responsible and similar to your friends

PERSON #5

Age: 27

Gender: Female

Neighborhood: Tel-Aviv

Occupation: Biotech-Startup

Yearly Salary (includes bonus): 120,000-144,000 (~$34,000-$40,000) (just got a raise so now it’s 144,000 (~41,000) but budget is mostly based on what I was getting before) this is before taxes

Married: No

Kids: No

Living Situation: Lives with Roommates

EXPENSES:

Total Apartment Rent (per month): 8,200 shekel (~$2,300)

Individual’s rent portion (per month): 2,650 shekel (~$750)

Savings (per month): 2,000-3,000 shekel (~$575-$850)

Retirement Fund (per month): 7% of income

Phone Bill (per month): 0

Medical/ Dental/ Vision (per month): 90 Shekel (~$25)

Internet/ Cable (per month): 33 Shekel (~$9)

Charity (per month): $36

Electric/ Gas/ Utilities (per month): 300 Shekel (~$85)

Groceries (per month): 200 Shekel (~$57)

Metro Card/ Car/ Transportation (per month): 243 shekel (~$69) per month but work pays

Gym Membership (per month): 270 Shekel (~$76)

Dates (per month): 0

Seamless/ Eating out (per month): 600 (~$170)

Other Misc. Expenses (per month):500 shekel (~$142)- hikes, cars, going out, tickets, concerts etc.

PERSON #6

Note: this person did not write their currency, but I am assuming it’s in dollars based on speaking with an Israeli

Gender: Male

Neighborhood: Katamon

Occupation: Hi-Tech

Yearly Salary (includes bonus): $67,000

Married: No

Kids: No

Living Situation: Lives with Roommates

EXPENSES:

Total Apartment Rent (per month): $1,600

Individual’s rent portion (per month): $500

Savings (per month): No clue

Retirement Fund (per month): The max I can

Phone Bill (per month): $30

Medical/ Dental/ Vision (per month): 0

Internet/ Cable (per month): $10

Charity (per month): I’m a garbage human being

Electric/ Gas/ Utilities (per month): $200

Groceries (per month): $500

Seamless/ Eating out (per month): $400

Anything you want to add about your budget/ monthly spending?:I should probably start balancing my life

PERSON #7

Age: 27

Gender: Female

Neighborhood: Katamon, Jerusalem

Occupation: High Tech

Yearly Salary (includes bonus): 14,000 shekel per month. ($4,000). In Israel salaries are per month {~168,000 shekel/ year=~$47,500}

Spouse’s Occupation: Diplomacy

Spouse’s Yearly Salary (includes bonus): 15,000 shekel ($4250) per month {~180,000/year=~$51,000}

Combined Yearly Salary: ~348,000 shekel (~$98,500)

Do you have another form of income in addition to your day job (ie additional job, help from family members etc)? If so, how much money do you make/ get from that?: No

Married: Yes

Kids: Yes-1

Living Situation: Lives with Spouse

EXPENSES:

Total Apartment Rent (per month): 4700 shekel (~$1,330)

Savings (per month): about 20,000 shekel ($5,600)

Retirement Fund (per month):Our work places automatically put a percentage of our salaries into pension funds and also keren hishtalmut

Phone Bill (per month): 400 shekel (~$113)

Medical/ Dental/ Vision (per month): 130 Shekel (~$37)

Internet/ Cable (per month): 250 Shekel (~$71)

Charity (per month): 500-1000 Shekel (~$141-$283)

Electric/ Gas/ Utilities (per month): 150 shekel (~$42)

Groceries (per month): 1,100 shekel (~$311)

Metro Card/ Car/ Transportation (per month): 1,000 (~$283)

Gym Membership (per month): 0

Dates (per month): 200 shekel (~$57)

Seamless/ Eating out (per month): 150 Shekel (~$42)

Other Misc. Expenses (per month): Daycare for our daughter 2,500 (~$708)

Anything you want to add about your budget/ monthly spending?:We budget very carefully.

If you have kid(s), how many, and how much in expenses does that add to your monthly budget?: About 2,700 shekel (~$764)

PERSON #8

Age: 25

Gender: Female

Neighborhood: Jerusalem

Occupation: Self employed (small business owner) plus part time job

Yearly Salary (includes bonus):No idea since my salary is dif every month, which is kinda stressful but also fun (my guess is 120,000 shekel post tax) ($34,000)

Do you have another form of income in addition to your day job (ie additional job, help from family members etc)? If so, how much money do you make/ get from that?: No help from family (but my parents supported me until about a year before I got married, which also coincided with me starting my business and making money)

Spouse’s Occupation: Computer programmer and PhD student

Spouse’s Yearly  Salary (includes bonus): 250,000 shekel (both our salaries are post tax since you get paid post- taxes unlike in the US) ($71,000)

Combined Yearly Salary: ~370,000 shekel (~$104,000)

Married: Yes

Kids: No

Living Situation: Lives with Spouse

EXPENSES:

How do you and your partner split you bills?: We kept our dif accounts to help us save. So we use my husband’s account to pay everything and save everything I make.

Total Apartment Rent (per month): 4,500 shekel mortgage (~$1,293)

Savings (per month): My entire salary plus about 5,000-10,000 shekel each month from my husband’s salary

Retirement Fund (per month): It comes out of our paycheck before we get our salary so I’m actually not sure

Phone Bill (per month): 80 shekel (~$23)

Medical/ Dental/ Vision (per month): 90 shekel for both us (#literallynuts) ($25.50)

Internet/ Cable (per month): 100 Shekel (~$29)

Charity (per month): A few hundred shekel

Electric/ Gas/ Utilities (per month):Depends on the season, but a few thousand shekel

Metro Card/ Car/ Transportation (per month): A lot- Insurance, fixes and gas for our car really add up. We work from home so no commuting.

Gym Membership (per month): None

Subscription Services (per month): Vpn $4

Dates (per month): 200 shekel ($57) Once a week (plus midday froyo is my weakness since we both work from home and need some fresh air at some point)

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