Luca (solo)
Gen Z college student in Toronto, part-time barista, lives in shared apartment
Luca Romano (19)
· as of 2026-05-24
Accounts
| No-Fee Chequing | $812.40 |
| Savings Account | $640.00 |
Recurring / subscriptions
| Roommate Rent E-transfer | $900.00/mo |
| Spotify Student | $5.99/mo |
| Netflix Standard | $16.49/mo |
| Apple Music duplicate music sub | $5.99/mo |
| Audible unused 3 months | $16.95/mo |
| Freedom Mobile | $35.00/mo |
Goals
| Emergency fund $2,000 | $640 / $2,000 |
|
| AirPods Pro | $90 / $250 |
|
Spending by category (avg/mo)
| groceries | $214/mo |
| shopping | $149/mo |
| dining | $104/mo |
| transit | $80/mo |
| coffee | $73/mo |
| pharmacy | $29/mo |
Past purchases
| Backpack | $85 | used: yes |
| Yoga mat | $45 | used: no |
| Textbook bundle | $320 | used: yes |
| Bluetooth speaker | $60 | used: partial |
Questions this persona asks
- Can I afford $250 AirPods this month?
- How much have I saved vs my $2,000 emergency goal?
- Which of my subscriptions am I paying for but barely using?
- Am I paying for two music services? Should I cancel one?
- How much did I spend on coffee this month?
- If I cut my Starbucks habit in half, what would I save by December?
- Am I spending more on food this month than last?
- What is my biggest spending category outside of rent?
- If I save $75 every two weeks, when will I hit my emergency goal?
- Have I actually used the things I bought in the last 6 months?
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