Jenny Castillo makes over six figures, owns multiple homes in DC and vacationed in three countries already this year. But at the end of each month, she’s still counting pennies.

“Adulting is very expensive,” Castillo, 32, tells The Post. “Yeah, on paper I make good money, but when you factor in debt, cost of living and lifestyle, it’s not.”

Even though Castillo makes more than 75% of the US population, according to 2014 US Census Bureau data, she insists there’s not much left after shelling out for rent, bills, savings and her pleasure fund.

“I have a separate account just for fun things,” Castillo says, listing travel, eating out and stays at luxury hotels as her musts. “Self-care is something I prioritize in my life, and I don’t feel guilty about it.”

Castillo is a HENRY — short for High Earners Not Rich Yet. Though the term was first coined in a 2003 Fortune magazine article, it has since come to describe a burgeoning class of mostly millennials who make between $100,000 and roughly $250,000 a year, experts say. This cohort is also all about maintaining a particular lifestyle — whether that’s traveling to the latest jet-set destination, eating at a trendy restaurant or splurging on a spa treatment and green juice. But their taste for luxury — and the pressure to keep up with their well-heeled buds on social media — has some HENRYs feeling more strapped than stacked.

“I feel like I’m living paycheck to paycheck, and have been for forever,” says a 30-year-old graphic designer, who wished to stay anonymous to protect her job. Granted, the Bushwick resident, who makes just over six figures, has more than a few creature comforts: an $80 ClassPass monthly membership, a weakness for acrylic nails, an Uber and Seamless habit and a groomer for her orange Siberian cat. Still, she notes, “I don’t live in a fancy high-rise, I don’t take vacations, I don’t shop at Bloomingdales — I shop at freaking Forever21. But somehow, here I am.”

Castillo, an associate attorney, chronicles her lavish life on Instagram and her blog JennyTheHenry, with photos of herself decked out in Chanel, Kate Spade and Moschino at beautiful resorts in Peru, Israel and Jamaica.

Yet, she remains cost-conscious — using credit card points for travel, booking smaller rooms than she would prefer — and says it cramps her style.

“I just want to experience financial freedom in the way where I don’t feel like every purchase, or trip, is an actual serious inquiry” into her finances, she says. “For some people that might be six figures, but for me it’s not.”

Over the past five years, the number of HENRYs has skyrocketed, says Pamela Danziger, author of “Meet the HENRYs: The Millennials that Matter Most for Luxury Brands.”

“Without a doubt this is a rapidly growing group,” says Danziger, adding that members of the HENRY income bracket have shot up by 37% from 2012 to 2018. The researcher says HENRYs would never “put their lifestyle at risk,” so they’re more likely to cut corners in other areas.

“Instead of buying the Louis Vuitton tote bag for two, three or five thousand dollars, they’re more likely to go for an Everlane tote for $175,” says Danziger.

New York City HENRY Amanda Alappat, 37, says that vacation is more important to her than brand names.

“Do I like my Lululemon? Sure. But would I take TJ Maxx over Lululemon so I could live in India for a month? Absolutely,” says Alappat.

HENRYs like Alappat also turn to financial planners such as Stash Wealth, a Wall Street company that calls itself the “Home of HENRYs,” for a guidance plan starting at $1,497.

“They’re people who want to get their financial s–t together, but still keep their avocado toast, SoulCycle and boozy brunch lifestyle,” says founding partner Priya Malani. Instead of saving for an RV road trip when they’re silver seniors, these clients’ financial goals are more near-sighted, and might include buying a bee hive, a horse or a Toto Japanese toilet “with ALL the buttons,” or taking trips to “Star Wars” and “Harry Potter” theme parks. “This generation doesn’t just want to save for the future, they want to enjoy their lifestyle today.”

New Yorkers make up the company’s highest number of clients, usually hold jobs in digital sales, cybersecurity, engineering and user experience (UX) design and make an average salary of $180,000, says Malani. They also all have an average of $80,000 in student loan debt.

Not all HENRYs are unhappy with a measly six figures.

Alappat says she’s finally at a place where she and her husband can maintain their preferred lifestyle of organic, grass-fed groceries and yearly vacations while also owning a house in the Poconos and paying rent for an apartment in Harlem.

“Thankfully, we’ve created a lifestyle that we love,” says the personal trainer, yoga teacher, health coach and doula.

But the Bushwick graphic designer isn’t quite so satisfied.

“I’m gonna have to move into the subway sewers I guess, to save some money — maybe live with the mole people,” she says with a laugh. “I do splurge on guacamole though. Maybe that’s my problem.”