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household income over $500k. not even UMC

...
Green out-of-control location
  10/25/17
(coastal shithole dweller)
zippy piazza
  10/25/17
cr
Green out-of-control location
  10/25/17
lol
Diverse state weed whacker
  10/25/17
live in a tiny rented shitbox. can't afford better. can't ...
Green out-of-control location
  10/25/17
The persistence of this flame makes me think tbst XO has int...
Diverse state weed whacker
  10/25/17
this isn't flame. that really is my household income and i ...
Green out-of-control location
  10/25/17
Your take home is somewhere around 20k/month. Are you spe...
Diverse state weed whacker
  10/25/17
cq
ultramarine exciting community account
  10/25/17
did you forget about taxes?
Green out-of-control location
  10/25/17
500k is about 40k/ mo pre tax. 500/12...
Diverse state weed whacker
  10/25/17
wtf
Green out-of-control location
  10/25/17
Yeah these people are insufferable. Worst one I ever see ...
Startled talking center
  10/25/17
honestly if you make half a mil a year and live in a tiny sh...
Dashing meetinghouse
  10/25/17
You can't even afford to raise one child on that.
Insecure dysfunction
  10/25/17
i think that's right. can't afford a two bedroom apartment w...
Green out-of-control location
  10/25/17
*leans into mic*
Diverse state weed whacker
  10/25/17
CR. $500k is probably $25k monthly take home after taxes and...
Insecure dysfunction
  10/25/17
titcb
Diverse state weed whacker
  10/25/17
...
spectacular school cafeteria liquid oxygen
  10/25/17
lol
cream razzle market
  10/25/17
CR. And even that's an ultra-lean budget that doesn't leave...
narrow-minded sanctuary knife
  10/25/17
...
Insane Exhilarant Casino Giraffe
  10/25/17
...
Lascivious parlour idea he suggested
  11/03/17
it's not even close to $25k/month after taxes and 401k. get...
Green out-of-control location
  10/25/17
(Guy with a maxed out 401k living under a bridge)
Diverse state weed whacker
  10/25/17
$500k/year is about $12.5k/month, after taxes and two 401ks,...
Green out-of-control location
  10/25/17
Please show your math. You’re starting at about 41k/month...
Diverse state weed whacker
  10/25/17
federal, state local and payroll taxes, 401k, health insuran...
Green out-of-control location
  10/25/17
Dear god. Wife and I have HHI of around $225k. Our take h...
Diverse state weed whacker
  10/25/17
Why would you deduct your 401k contribution? That is not mon...
Adventurous Mentally Impaired Pocket Flask Area
  10/25/17
It isn't real savings. It is money you will live on when yo...
sticky floppy menage nibblets
  10/25/17
So it shouldn't count? Tell that to the people that can't s...
Federal library
  10/25/17
As far as your immediate future is concerned it doesn't coun...
sticky floppy menage nibblets
  10/25/17
Most people are forced to retire earlier than they want to b...
irradiated massive dopamine
  10/25/17
Not if you are maxing out a 401k or putting in even $10k a y...
Federal library
  10/25/17
Just consider yourself wealthy because you're saving for stu...
sticky floppy menage nibblets
  10/25/17
lol. Nice goal post move. I assume you are for higher ta...
Federal library
  10/25/17
I'm not, but I'm just being realistic. Also, your compa...
sticky floppy menage nibblets
  10/25/17
Retiring with money is a luxury, shithead.
Startled talking center
  10/25/17
This makes no sense
Adventurous Mentally Impaired Pocket Flask Area
  10/25/17
He doesn't count anything already earmarked to be spent. Whi...
irradiated massive dopamine
  10/25/17
401k = pension. you wouldn't include pension benefits in yo...
Green out-of-control location
  10/25/17
of course people think of pensions as money. why on earth do...
Startled talking center
  10/25/17
No one says teachers make $200k/year because they calculated...
sticky floppy menage nibblets
  10/25/17
a mid-career teacher does not include the value of post-reti...
Green out-of-control location
  10/25/17
Why not? They should. Less need for future savings
Seedy red regret
  10/25/17
CR. 401k has to count. What a dumb subthread
Seedy red regret
  10/25/17
https://www.paycheckcity.com/calculator/salary/
wonderful sadistic mexican
  10/25/17
Thats a lie. $41,000 x .60 (40% taken out for FICA, taxes...
Federal library
  10/25/17
you gotta join the real world buddy. effective tax rate is h...
Green out-of-control location
  10/25/17
...
marvelous buff digit ratio gaping
  10/25/17
...
zippy piazza
  10/25/17
My $500k budget: $25k/month (assuming kids + dog): $2k...
sticky floppy menage nibblets
  10/25/17
that's pure fantasy because you don't have anywhere near $25...
Green out-of-control location
  10/25/17
Adjusted. Still not maxed but there's corp matching too.
sticky floppy menage nibblets
  10/25/17
Youre paying over 15k/mo in taxes?
Diverse state weed whacker
  10/25/17
Absolutely. Welcome to a coastal state.
sticky floppy menage nibblets
  10/25/17
that's unrealistically low. it's more like $24k
Green out-of-control location
  10/25/17
If this is true, then I’m convinced that expenditures really...
Diverse state weed whacker
  10/25/17
More like those salaries come with living in high COL/tax ar...
sticky floppy menage nibblets
  10/25/17
Live in one of the highest COL in the country and we can sti...
Diverse state weed whacker
  10/25/17
We don't either at this point (nor do we have a $500k/salary...
sticky floppy menage nibblets
  10/25/17
Lmfao at this list. Well done flame though.
Adventurous Mentally Impaired Pocket Flask Area
  10/25/17
I'm actually serious. I also didn't include things like cha...
sticky floppy menage nibblets
  10/25/17
You don't have a big charity budget, do you?
irradiated massive dopamine
  10/25/17
About $600-1k/year (and my company matches at 100%). It rea...
sticky floppy menage nibblets
  10/25/17
You're "serious" on a premise that doesn't exist f...
Adventurous Mentally Impaired Pocket Flask Area
  10/25/17
I could see us getting close to that. In my area $300k/year...
sticky floppy menage nibblets
  10/25/17
Wait the 2k devoted to "miscellaneous shopping" an...
Adventurous Mentally Impaired Pocket Flask Area
  10/25/17
No, it doesn't. That's actually a very low number for her...
sticky floppy menage nibblets
  10/25/17
I love your fantasy role playing in these threads. you thin...
Adventurous Mentally Impaired Pocket Flask Area
  10/25/17
This isn't millions, we're talking normal salaries and bonus...
sticky floppy menage nibblets
  10/25/17
...
multi-colored partner
  10/25/17
(guy buying a new computer every month)
Startled talking center
  10/25/17
If you have 2 kids, yourself and your wife, you have a bunch...
sticky floppy menage nibblets
  10/25/17
LOL @ putting a $2k monthly line item in for this. comput...
Startled talking center
  10/25/17
Cr
Adventurous Mentally Impaired Pocket Flask Area
  10/25/17
...
multi-colored partner
  10/25/17
They definitely need phones and computers.
sticky floppy menage nibblets
  10/25/17
*gets gaped ITT* *SLAMS MacBook shut, cracking the screen...
Startled talking center
  10/25/17
This is XO so for most of you I should replace that with dru...
sticky floppy menage nibblets
  10/25/17
TBF, 529 and 401ks still count as savings. Nanny is $4k/m...
vivacious twinkling property
  10/25/17
Thanks for the advice, nutella. Seems like you've got it all...
Startled talking center
  10/25/17
Health, dental, life and disability insurances
sticky floppy menage nibblets
  10/25/17
Health/dental is a pretax item that does not count as an exp...
vivacious twinkling property
  10/25/17
Your bump of nanny to $4k/month swallows this difference any...
sticky floppy menage nibblets
  10/25/17
Lol at you being a MFE. $25k net would be after 401k with...
vivacious twinkling property
  10/25/17
Describe that $2k/month tech spending in detail.
wonderful sadistic mexican
  10/25/17
Since everyone is complaining about this, I included student...
sticky floppy menage nibblets
  10/25/17
$700/mo for a phone and computer. Do you get them at Rent A ...
Startled talking center
  10/25/17
I'm assuming 4 people.
sticky floppy menage nibblets
  10/25/17
DESCRIBE your $12k/year technology purchases.
wonderful sadistic mexican
  10/25/17
baby's first server farm
multi-colored partner
  10/25/17
Look, the most important thing you can do for kids these day...
sticky floppy menage nibblets
  10/25/17
*kid clicks on youtube videos all day* OH WHAT A TECH GUR...
Startled talking center
  10/25/17
Actually the most important thing you can do for kids is to ...
vivacious twinkling property
  10/25/17
TVs, speakers, 4 phones, 5 laptops (including 1 or more gami...
sticky floppy menage nibblets
  10/25/17
And then again next year. And the year after that. ...
wonderful sadistic mexican
  10/25/17
Well yeah. Technology evolves rapidly!
sticky floppy menage nibblets
  10/25/17
That's just your normal barely middle class lifestyle everyo...
Federal library
  10/25/17
Never said it was "barely"
sticky floppy menage nibblets
  10/25/17
...
black gaped temple
  10/25/17
...
twisted umber hall
  10/25/17
I loled for realz at the $4K drugs and alcohol line of the b...
hilarious hell laser beams
  10/25/17
To be fair, the $4k drug and alcohol budget is what makes th...
Insecure dysfunction
  10/25/17
180
hilarious hell laser beams
  10/25/17
what fucking gym is $1000 a month?
Balding harsh psychic
  10/25/17
You think those stim boys are free?
wonderful sadistic mexican
  10/25/17
Equinox membership for both parents and the kids and au pair...
sticky floppy menage nibblets
  10/25/17
You're questioning the line item for Pounder's Place but not...
Insecure dysfunction
  10/25/17
no, that was understood
Balding harsh psychic
  10/25/17
no student loans?
histrionic house electric furnace
  10/25/17
Good point.
sticky floppy menage nibblets
  10/25/17
Hmmm... tell me more about poasting insurance...
Well-lubricated heaven doctorate
  10/25/17
whoa who's your poastal insurance carrier that's a great rat...
grizzly indian lodge
  10/25/17
(soulless-bugman coastal dweller)
Greedy outnumbered water buffalo
  10/25/17
move then faggot lol @ paying 4k a month to live in a cardb...
Vibrant Forum
  10/25/17
no jobs anywhere else
Green out-of-control location
  10/25/17
Clip this out. Look at it in five years.
idiotic aphrodisiac spot
  10/25/17
He's a small souled bugman. He has to live in his bug hive ...
Greedy outnumbered water buffalo
  10/25/17
Even if you're pulling in ~$1M a year you're still basically...
razzle-dazzle lavender field volcanic crater
  10/25/17
truth. there are only 3 classes in this country: shiftle...
Startled talking center
  10/25/17
...
razzle-dazzle lavender field volcanic crater
  10/25/17
Can someone summarize this thread? I can't be arsed to read ...
idiotic aphrodisiac spot
  10/25/17
TMF is complaining that the 500k he doesn't make and never w...
Adventurous Mentally Impaired Pocket Flask Area
  10/25/17
Thanks. Going to stay out of this one....
idiotic aphrodisiac spot
  10/25/17
I never actually said it isn't enough. I said it isn't rich...
sticky floppy menage nibblets
  10/25/17
...
citrine parlor
  10/25/17
...
Dull sex offender
  10/25/17
...
razzle-dazzle lavender field volcanic crater
  10/26/17
$500k/year = $25k/month = unlivable based upon *this* kind o...
hilarious hell laser beams
  10/25/17
cr that's practically welfare. you need at least $2mm/yr to ...
arousing shimmering blood rage ticket booth
  10/25/17
enjoy being forced to helicopter commute into the city from ...
multi-colored partner
  10/25/17
cr, 500k is basically poverty in a coastal city. lol @ peopl...
citrine parlor
  10/25/17
ta,oc,tclols
Green out-of-control location
  10/25/17
You people are all fucking retarded. $500K is rich. That i...
Startling internal respiration
  10/25/17
No amount of income is rich. Only wealth makes you rich. ...
Startled talking center
  10/25/17
This is a good point between wealth and income. The key i...
Diverse state weed whacker
  10/25/17
No. This wealth vs income argument is an old and tired one, ...
Startling internal respiration
  10/25/17
Only if your salary carries indefinitely. Many people who ma...
Startled talking center
  10/25/17
That's a myopic view of what it means to be rich, because ev...
Startling internal respiration
  10/25/17
*misplaces $10 million dollars*
Startled talking center
  10/25/17
The simple point is that one need not always be rich. Some p...
Startling internal respiration
  10/25/17
(Wise Latina confusing velocity for position)
Startled talking center
  10/25/17
future time orientation.
Misunderstood Trailer Park
  10/25/17
bullshit. my household income is more than $500k and if you ...
Green out-of-control location
  10/25/17
wife and i make 550k a year and we easily save 100k a year. ...
histrionic house electric furnace
  10/25/17
"Mortgage tax and insurance 4k" i dont think th...
citrine parlor
  10/25/17
Live in the beltway of DC gaywad
histrionic house electric furnace
  10/25/17
lmao good god
boyish brunch goyim
  10/25/17
LOL what fucking shit backwater are you living in where mort...
mind-boggling coral cruise ship prole
  10/25/17
my house was 700k
histrionic house electric furnace
  10/25/17
Who lets these goddamn Boomers poast here?
Diverse state weed whacker
  10/25/17
This thread is dumb, but $500k HHI is probably the minimum y...
mind-boggling coral cruise ship prole
  10/25/17
Taxes Debt service
idiotic aphrodisiac spot
  10/25/17
Taxes Debt service
idiotic aphrodisiac spot
  10/25/17
you guys are fucking delusional
boyish brunch goyim
  10/25/17
What part am I wrong or deluded about?
mind-boggling coral cruise ship prole
  10/25/17
?
sticky floppy menage nibblets
  10/25/17
Living in the city is a status symbol. Of course it's expens...
Startled talking center
  10/25/17
most of those suburbs are running 1M+ house, 20K property ta...
irradiated massive dopamine
  10/25/17
What makes you think people like that actually want to see t...
Startled talking center
  10/25/17
People I know in those areas (boomers and GenX from work) ar...
irradiated massive dopamine
  10/25/17
TCR also. https://www.elliman.com/westchester/18-carthage-la...
mind-boggling coral cruise ship prole
  10/25/17
Omg, you people are delusional, why don't you just rent in a...
sticky floppy menage nibblets
  10/25/17
No one is disputing that you retard. The point is if you wan...
mind-boggling coral cruise ship prole
  10/25/17
...
sticky floppy menage nibblets
  10/25/17
You're so aggressively stupid it hurts.
Startled talking center
  10/25/17
180
Federal library
  10/25/17
yeah because when i think UMC i definitely think spending th...
Green out-of-control location
  10/25/17
How come the "value" of living in MFH is never dis...
Federal library
  10/25/17
Good point, should tax the disutility of being in fraudland....
idiotic aphrodisiac spot
  10/25/17
CR
Seedy red regret
  10/25/17
This entire thread and everyone in it should be gassed
Adventurous Mentally Impaired Pocket Flask Area
  10/25/17
You're ITT
sticky floppy menage nibblets
  10/25/17
Gas gas gas
Diverse state weed whacker
  10/25/17
these threads consistently deliver pure unbridled striver ra...
arousing shimmering blood rage ticket booth
  10/25/17
The Meanest Fish is counting his fucking corporate benefits ...
concupiscible dilemma
  10/25/17
(Harrison Barnes the poaster, typing with one hand and cutti...
Apoplectic impertinent yarmulke
  10/25/17
...
mind-boggling coral cruise ship prole
  10/25/17
I'm not and you're totally wrong.
sticky floppy menage nibblets
  10/25/17
i'm in-house, junior to TMF and i'm getting $200k base/50% b...
Metal unholy patrolman
  10/25/17
https://www.glassdoor.com/Salary/AT-and-T-Senior-Attorney-Sa...
Cracking boistinker
  10/26/17
lol at this fucking thread, callow materialism with no self-...
Territorial charismatic step-uncle's house pervert
  10/25/17
These faggots need a tire full of gasoline around their neck...
rough-skinned stain famous landscape painting
  10/25/17
...
curious halford box office
  10/25/17
The arm flapping autists in this thread complaining about st...
mind-boggling coral cruise ship prole
  10/25/17
...
Metal unholy patrolman
  10/25/17
...
underhanded costumed private investor
  10/26/17
great thread
Green out-of-control location
  10/25/17
Ljl @ the level of (((GC))) in this thread
Aquamarine blathering preventive strike hairy legs
  10/25/17
...
citrine parlor
  11/09/17
...
citrine parlor
  02/22/18


Poast new message in this thread



Reply Favorite

Date: October 25th, 2017 8:43 AM
Author: Green out-of-control location



(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34523969)



Reply Favorite

Date: October 25th, 2017 8:44 AM
Author: zippy piazza

(coastal shithole dweller)

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34523970)



Reply Favorite

Date: October 25th, 2017 8:47 AM
Author: Green out-of-control location

cr

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34523985)



Reply Favorite

Date: October 25th, 2017 8:44 AM
Author: Diverse state weed whacker

lol

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34523975)



Reply Favorite

Date: October 25th, 2017 8:47 AM
Author: Green out-of-control location

live in a tiny rented shitbox. can't afford better. can't afford to buy. can't afford anything

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34523983)



Reply Favorite

Date: October 25th, 2017 8:49 AM
Author: Diverse state weed whacker

The persistence of this flame makes me think tbst XO has internalized it

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34523994)



Reply Favorite

Date: October 25th, 2017 8:51 AM
Author: Green out-of-control location

this isn't flame. that really is my household income and i really can't afford a UMC lifestyle

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524003)



Reply Favorite

Date: October 25th, 2017 8:54 AM
Author: Diverse state weed whacker

Your take home is somewhere around 20k/month.

Are you spending 15k/month on beanie babies?

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524010)



Reply Favorite

Date: October 25th, 2017 8:56 AM
Author: ultramarine exciting community account

cq

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524012)



Reply Favorite

Date: October 25th, 2017 9:27 AM
Author: Green out-of-control location

did you forget about taxes?

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524154)



Reply Favorite

Date: October 25th, 2017 9:28 AM
Author: Diverse state weed whacker

500k is about 40k/ mo pre tax.

500/12...

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524165)



Reply Favorite

Date: October 25th, 2017 9:44 AM
Author: Green out-of-control location

wtf

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524244)



Reply Favorite

Date: October 25th, 2017 9:32 AM
Author: Startled talking center

Yeah these people are insufferable.

Worst one I ever see is nutella. Constantly crying poor bc she can't easily afford a $2mm house. Such poverty!

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524181)



Reply Favorite

Date: October 25th, 2017 7:51 PM
Author: Dashing meetinghouse

honestly if you make half a mil a year and live in a tiny shitbox you're going to retire early and are doing it rite

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34528384)



Reply Favorite

Date: October 25th, 2017 8:47 AM
Author: Insecure dysfunction

You can't even afford to raise one child on that.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34523984)



Reply Favorite

Date: October 25th, 2017 8:48 AM
Author: Green out-of-control location

i think that's right. can't afford a two bedroom apartment within 75 minutes of work

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34523989)



Reply Favorite

Date: October 25th, 2017 8:48 AM
Author: Diverse state weed whacker

*leans into mic*

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34523992)



Reply Favorite

Date: October 25th, 2017 8:57 AM
Author: Insecure dysfunction

CR. $500k is probably $25k monthly take home after taxes and 401(lk).

$5k on food and entertainment

$4k on drugs and alcohol

$3k on weekend travel

$3k on car leases and weekend Ubers

$2k into savings

$2k into clothing purchases

$1k on gym membership (towel service upgrade)

$1k tithe to church

$1k on poasting insurance

= only $3k left on rent. LJL at ever buying a place or having kids.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524015)



Reply Favorite

Date: October 25th, 2017 8:57 AM
Author: Diverse state weed whacker

titcb

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524023)



Reply Favorite

Date: October 25th, 2017 7:43 PM
Author: spectacular school cafeteria liquid oxygen



(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34528329)



Reply Favorite

Date: October 25th, 2017 9:14 AM
Author: cream razzle market

lol

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524090)



Reply Favorite

Date: October 25th, 2017 9:22 AM
Author: narrow-minded sanctuary knife

CR. And even that's an ultra-lean budget that doesn't leave any room for lottery tickets. You need lottery tickets in your budget because winning is the only real way to get ahead. If you abandon the lottery, you are effectively giving up on ever being able to retire.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524127)



Reply Favorite

Date: October 25th, 2017 10:17 AM
Author: Insane Exhilarant Casino Giraffe



(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524472)



Reply Favorite

Date: November 3rd, 2017 1:54 PM
Author: Lascivious parlour idea he suggested



(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34596648)



Reply Favorite

Date: October 25th, 2017 9:28 AM
Author: Green out-of-control location

it's not even close to $25k/month after taxes and 401k. get real!

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524161)



Reply Favorite

Date: October 25th, 2017 9:29 AM
Author: Diverse state weed whacker

(Guy with a maxed out 401k living under a bridge)

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524170)



Reply Favorite

Date: October 25th, 2017 9:45 AM
Author: Green out-of-control location

$500k/year is about $12.5k/month, after taxes and two 401ks, health insurance

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524251)



Reply Favorite

Date: October 25th, 2017 9:47 AM
Author: Diverse state weed whacker

Please show your math.

You’re starting at about 41k/month pre tax, insurance, deduction. Please show me how you have a take home of only 12.5

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524262)



Reply Favorite

Date: October 25th, 2017 9:50 AM
Author: Green out-of-control location

federal, state local and payroll taxes, 401k, health insurance deducted from check = $28.5k

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524290)



Reply Favorite

Date: October 25th, 2017 9:56 AM
Author: Diverse state weed whacker

Dear god. Wife and I have HHI of around $225k.

Our take home after taxes and contributions is around $12,000.

This is just mind boggling to me.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524328)



Reply Favorite

Date: October 25th, 2017 10:04 AM
Author: Adventurous Mentally Impaired Pocket Flask Area

Why would you deduct your 401k contribution? That is not money to the government or scam insurance company. That's your savings

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524381)



Reply Favorite

Date: October 25th, 2017 10:06 AM
Author: sticky floppy menage nibblets

It isn't real savings. It is money you will live on when you retire.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524390)



Reply Favorite

Date: October 25th, 2017 10:11 AM
Author: Federal library

So it shouldn't count? Tell that to the people that can't save for retirement or not nearly as much.

You are seriously an idiot when it comes to this stuff.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524427)



Reply Favorite

Date: October 25th, 2017 10:13 AM
Author: sticky floppy menage nibblets

As far as your immediate future is concerned it doesn't count. This is what ARE generation does instead of looking forward to their pensions.

Most people are going to be totally fucked when they retire (or get forced into it - you're kidding yourself if you think employers are really going to let people keep working in their 70s when they can hire 20-somethings for way cheaper and work them 60+ hours a week).

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524445)



Reply Favorite

Date: October 25th, 2017 10:15 AM
Author: irradiated massive dopamine

Most people are forced to retire earlier than they want to because firing/layoffs are hard to recover from once you're 50+ (depends on the industry/level) but it's still savings, albeit pre-tax.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524456)



Reply Favorite

Date: October 25th, 2017 10:16 AM
Author: Federal library

Not if you are maxing out a 401k or putting in even $10k a year.

Just because you aren't using it in immediate future doesn't mean it doesn't count. It's just like saving for college. There is absolutely utility in it now.

You are so delusional that it's hard to even discuss these things with you.



(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524461)



Reply Favorite

Date: October 25th, 2017 10:29 AM
Author: sticky floppy menage nibblets

Just consider yourself wealthy because you're saving for stuff that's free in much of the world, bro.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524566)



Reply Favorite

Date: October 25th, 2017 10:35 AM
Author: Federal library

lol. Nice goal post move.

I assume you are for higher taxes then?

Also I don't think a decent retirement is free anywhere chief. Those people live very poor when it's gov't funded.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524614)



Reply Favorite

Date: October 25th, 2017 10:39 AM
Author: sticky floppy menage nibblets

I'm not, but I'm just being realistic.

Also, your comparing to the equivalent of social security, not Boomer pensions

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524624)



Reply Favorite

Date: October 25th, 2017 10:20 AM
Author: Startled talking center

Retiring with money is a luxury, shithead.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524488)



Reply Favorite

Date: October 25th, 2017 10:23 AM
Author: Adventurous Mentally Impaired Pocket Flask Area

This makes no sense

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524510)



Reply Favorite

Date: October 25th, 2017 10:25 AM
Author: irradiated massive dopamine

He doesn't count anything already earmarked to be spent. Which is not normal. But I think that's the mental process/rationale. He discounts future consumption. But it's still saving!

People do this for short term spend like vacation funds, but not long term spend like college/retirement. I think it's more OK for planned college spend but not retirement.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524533)



Reply Favorite

Date: October 25th, 2017 10:22 AM
Author: Green out-of-control location

401k = pension. you wouldn't include pension benefits in your monthly after tax income while you were working. that would be stupid

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524502)



Reply Favorite

Date: October 25th, 2017 10:24 AM
Author: Startled talking center

of course people think of pensions as money. why on earth do you think teachers are happy working for peanuts? a funded retirement is valuable.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524529)



Reply Favorite

Date: October 25th, 2017 10:35 AM
Author: sticky floppy menage nibblets

No one says teachers make $200k/year because they calculated the value of their pensions.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524606)



Reply Favorite

Date: October 25th, 2017 11:34 AM
Author: Green out-of-control location

a mid-career teacher does not include the value of post-retirement pension benefits in their current monthly budget, fuckwit

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34525025)



Reply Favorite

Date: October 25th, 2017 7:34 PM
Author: Seedy red regret

Why not? They should. Less need for future savings

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34528285)



Reply Favorite

Date: October 25th, 2017 6:55 PM
Author: Seedy red regret

CR. 401k has to count. What a dumb subthread

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34528089)



Reply Favorite

Date: October 25th, 2017 11:38 AM
Author: wonderful sadistic mexican

https://www.paycheckcity.com/calculator/salary/

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34525042)



Reply Favorite

Date: October 25th, 2017 10:10 AM
Author: Federal library

Thats a lie.

$41,000 x .60 (40% taken out for FICA, taxes etc.)= $24,600

$1800 off a month for maxing out 2 401ks (that's after tax cost from $3000 a month)

$1000 a month AT MOST for health insurance.

That leaves you with over $20,000

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524424)



Reply Favorite

Date: October 25th, 2017 2:45 PM
Author: Green out-of-control location

you gotta join the real world buddy. effective tax rate is higher than 40% all-in. health insurance is more than $1000/month. get real!

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34526341)



Reply Favorite

Date: October 25th, 2017 9:29 AM
Author: marvelous buff digit ratio gaping



(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524169)



Reply Favorite

Date: October 25th, 2017 9:41 AM
Author: zippy piazza



(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524223)



Reply Favorite

Date: October 25th, 2017 9:46 AM
Author: sticky floppy menage nibblets

My $500k budget:

$25k/month (assuming kids + dog):

$2k car + insurance + gas + repairs

$2k nanny

$2k 401k contribution

$1k various insurances

$2k college fund

$2k food

$6k housing (mortgage, taxes, repairs, furniture, basic utilities)

$1.3k various tech spending (computers, phones, internet/cable, etc.)

$700 student loans

$1k clothes

$1k miscellaneous shopping/dog stuff/etc.

$1k travel

$3k savings

That's it, you're tapped out. It is UMC, but not crazy money.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524255)



Reply Favorite

Date: October 25th, 2017 9:48 AM
Author: Green out-of-control location

that's pure fantasy because you don't have anywhere near $25k to work with. also lol at not even maxing ONE 401k

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524274)



Reply Favorite

Date: October 25th, 2017 9:52 AM
Author: sticky floppy menage nibblets

Adjusted. Still not maxed but there's corp matching too.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524303)



Reply Favorite

Date: October 25th, 2017 9:49 AM
Author: Diverse state weed whacker

Youre paying over 15k/mo in taxes?

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524283)



Reply Favorite

Date: October 25th, 2017 9:51 AM
Author: sticky floppy menage nibblets

Absolutely. Welcome to a coastal state.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524293)



Reply Favorite

Date: October 25th, 2017 9:51 AM
Author: Green out-of-control location

that's unrealistically low. it's more like $24k

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524297)



Reply Favorite

Date: October 25th, 2017 9:53 AM
Author: Diverse state weed whacker

If this is true, then I’m convinced that expenditures really do expand to fit the income

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524309)



Reply Favorite

Date: October 25th, 2017 9:55 AM
Author: sticky floppy menage nibblets

More like those salaries come with living in high COL/tax areas. Also, that means 2 salaries. With some of this stuff it will get better - so once mortgage gets paid that all goes into savings. However, if you're paying college/grad school/activities/etc it can quickly add up to more.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524324)



Reply Favorite

Date: October 25th, 2017 9:56 AM
Author: Diverse state weed whacker

Live in one of the highest COL in the country and we can still find ways to keep expenses down. But to be fair, you have kids and child care which we don’t have yet.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524330)



Reply Favorite

Date: October 25th, 2017 10:02 AM
Author: sticky floppy menage nibblets

We don't either at this point (nor do we have a $500k/salary).

But I'm just looking at our just over $300k HHI and while we're ok, we don't have a nice house or paying childcare. It is pretty easy to extrapolate.

Also, this assumes nothing crazy happens (a major illness, car explodes and insurance doesn't cover it, etc.)

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524364)



Reply Favorite

Date: October 25th, 2017 10:03 AM
Author: Adventurous Mentally Impaired Pocket Flask Area

Lmfao at this list. Well done flame though.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524370)



Reply Favorite

Date: October 25th, 2017 10:04 AM
Author: sticky floppy menage nibblets

I'm actually serious. I also didn't include things like charitable giving.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524380)



Reply Favorite

Date: October 25th, 2017 10:06 AM
Author: irradiated massive dopamine

You don't have a big charity budget, do you?

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524389)



Reply Favorite

Date: October 25th, 2017 10:07 AM
Author: sticky floppy menage nibblets

About $600-1k/year (and my company matches at 100%). It really should be more, especially if we made $500k/year.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524399)



Reply Favorite

Date: October 25th, 2017 10:06 AM
Author: Adventurous Mentally Impaired Pocket Flask Area

You're "serious" on a premise that doesn't exist for you and likely never will. Lol at UMC larping on a Wednesday workcuck morning.

Your list is absurd. 24k a year for "tech" lmao

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524393)



Reply Favorite

Date: October 25th, 2017 10:09 AM
Author: sticky floppy menage nibblets

I could see us getting close to that. In my area $300k/year isn't uncommon and my wife could get to $150k/year.

Yeah, I'm sort of throwing a bunch of random spending into that. You can break out $500/month for entertainment/activities if you prefer.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524421)



Reply Favorite

Date: October 25th, 2017 10:14 AM
Author: Adventurous Mentally Impaired Pocket Flask Area

Wait the 2k devoted to "miscellaneous shopping" and travel does not cover entertainment? Perhaps you have a fantasy spending problem.

You will never sniff 500k. Mandy will never bring in 150k either. Hth

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524451)



Reply Favorite

Date: October 25th, 2017 10:16 AM
Author: sticky floppy menage nibblets

No, it doesn't.

That's actually a very low number for her and her area. Sorry you're MAF. We're already over $300k. Both of us are gaining experience in really hot areas.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524463)



Reply Favorite

Date: October 25th, 2017 10:21 AM
Author: Adventurous Mentally Impaired Pocket Flask Area

I love your fantasy role playing in these threads. you think your entitled to millions and aspire to multiple properties with no basis for it, no particular talent or ingenuity that would lead you there. Thought you would have been humbled the first time around.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524499)



Reply Favorite

Date: October 25th, 2017 10:28 AM
Author: sticky floppy menage nibblets

This isn't millions, we're talking normal salaries and bonuses in our area.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524557)



Reply Favorite

Date: October 25th, 2017 10:30 AM
Author: multi-colored partner



(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524577)



Reply Favorite

Date: October 25th, 2017 10:16 AM
Author: Startled talking center

(guy buying a new computer every month)

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524464)



Reply Favorite

Date: October 25th, 2017 10:18 AM
Author: sticky floppy menage nibblets

If you have 2 kids, yourself and your wife, you have a bunch of phones/computers that are getting replaced. I'm also including stuff like TVs, monitors, speakers, headphones, etc.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524476)



Reply Favorite

Date: October 25th, 2017 10:22 AM
Author: Startled talking center

LOL @ putting a $2k monthly line item in for this.

computers and phones barely get better each year. just take care of your shit and this is a few hundred bucks a year max.

kids don't need phones/tablets and certainly don't need the latest ones.

you're delusional.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524503)



Reply Favorite

Date: October 25th, 2017 10:23 AM
Author: Adventurous Mentally Impaired Pocket Flask Area

Cr

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524515)



Reply Favorite

Date: October 25th, 2017 10:26 AM
Author: multi-colored partner



(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524543)



Reply Favorite

Date: October 25th, 2017 10:30 AM
Author: sticky floppy menage nibblets

They definitely need phones and computers.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524584)



Reply Favorite

Date: October 25th, 2017 10:35 AM
Author: Startled talking center

*gets gaped ITT*

*SLAMS MacBook shut, cracking the screen*

“Mandy babe would you mind picking me up one of them laptops again? Yeah third time this week huh.”

Seriously I imagine you living like some 90s gangster with a big projection tv, bumpin speakers, every video game crammed into a rathole apartment.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524609)



Reply Favorite

Date: October 25th, 2017 10:41 AM
Author: sticky floppy menage nibblets

This is XO so for most of you I should replace that with drugs and escorts.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524642)



Reply Favorite

Date: October 25th, 2017 10:21 AM
Author: vivacious twinkling property

TBF, 529 and 401ks still count as savings.

Nanny is $4k/month.

Spending $2k/month on tech and $1k/mo on clothes and misc insurance is way too high. The only insurance you pay for are cars and homeowners.

There’s no reason you can’t easily save at least $150k/year (not counting maxed out 401ks) at $500k and if you can’t, you’re likely being too extravagant.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524496)



Reply Favorite

Date: October 25th, 2017 10:25 AM
Author: Startled talking center

Thanks for the advice, nutella. Seems like you've got it all figured out.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524537)



Reply Favorite

Date: October 25th, 2017 10:36 AM
Author: sticky floppy menage nibblets

Health, dental, life and disability insurances

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524617)



Reply Favorite

Date: October 25th, 2017 10:50 AM
Author: vivacious twinkling property

Health/dental is a pretax item that does not count as an expense post net take home. 401k shouldn’t either. Lol at paying for life and disability insurance. Most companies have free basic life and disability insurance (like $50k policy) and lol at scam of paying for more than that.

Basically you live the lifestyle of making $300-350k at $500k, $600k, and even $700k and you end up saving all your money. Keep your ikea furniture and 5 year old phones/laptops.



(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524725)



Reply Favorite

Date: October 25th, 2017 11:32 AM
Author: sticky floppy menage nibblets

Your bump of nanny to $4k/month swallows this difference anyway.

The only thing I took out initially was taxes.

LOL @ needing to have old tech and shitty IKEA furniture on $500k/year.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34525018)



Reply Favorite

Date: October 25th, 2017 12:25 PM
Author: vivacious twinkling property

Lol at you being a MFE.

$25k net would be after 401k withholding. Your fed effective tax rate at $500k with mortgage interest deduction and state tax deduction ends up at only around 25%.

Nanny costs go up but I’d adjust down at least 4-5 categories you have that shaves off a lot more than $2k/mo.

And yes, we still have ikea furniture and old tech and we spend $1000/year on clothes.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34525354)



Reply Favorite

Date: October 25th, 2017 11:43 AM
Author: wonderful sadistic mexican

Describe that $2k/month tech spending in detail.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34525077)



Reply Favorite

Date: October 25th, 2017 11:56 AM
Author: sticky floppy menage nibblets

Since everyone is complaining about this, I included student loans of $700/month and lowered that to $1300. Figure $300/month is internet/cable + cell phone.

Otherwise, I'm assuming top tier phones and computers for everyone.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34525178)



Reply Favorite

Date: October 25th, 2017 12:00 PM
Author: Startled talking center

$700/mo for a phone and computer. Do you get them at Rent A Center?

Also LJL @ paying for cable. Biggest waste of money.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34525207)



Reply Favorite

Date: October 25th, 2017 12:04 PM
Author: sticky floppy menage nibblets

I'm assuming 4 people.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34525240)



Reply Favorite

Date: October 25th, 2017 12:02 PM
Author: wonderful sadistic mexican

DESCRIBE your $12k/year technology purchases.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34525224)



Reply Favorite

Date: October 25th, 2017 12:05 PM
Author: multi-colored partner

baby's first server farm

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34525243)



Reply Favorite

Date: October 25th, 2017 12:13 PM
Author: sticky floppy menage nibblets

Look, the most important thing you can do for kids these days is to raise them to be tech-savvy.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34525295)



Reply Favorite

Date: October 25th, 2017 12:14 PM
Author: Startled talking center

*kid clicks on youtube videos all day*

OH WHAT A TECH GURU!

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34525303)



Reply Favorite

Date: October 25th, 2017 12:29 PM
Author: vivacious twinkling property

Actually the most important thing you can do for kids is to limit screen time and make sure they run around outside and not be zombies in front of a device. And the device should be a hand me down from parents.

But maybe your goal is to raise weird Russian autists.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34525370)



Reply Favorite

Date: October 25th, 2017 12:07 PM
Author: sticky floppy menage nibblets

TVs, speakers, 4 phones, 5 laptops (including 1 or more gaming laptops), software, video games, drones, various IoT stuff, smart watches, etc.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34525260)



Reply Favorite

Date: October 25th, 2017 12:16 PM
Author: wonderful sadistic mexican

And then again next year.

And the year after that.

Forever.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34525314)



Reply Favorite

Date: October 25th, 2017 12:19 PM
Author: sticky floppy menage nibblets

Well yeah. Technology evolves rapidly!

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34525324)



Reply Favorite

Date: October 25th, 2017 12:19 PM
Author: Federal library

That's just your normal barely middle class lifestyle everyone

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34525323)



Reply Favorite

Date: October 25th, 2017 1:43 PM
Author: sticky floppy menage nibblets

Never said it was "barely"

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34525892)



Reply Favorite

Date: October 25th, 2017 9:54 AM
Author: black gaped temple



(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524313)



Reply Favorite

Date: October 25th, 2017 10:07 AM
Author: twisted umber hall



(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524397)



Reply Favorite

Date: October 25th, 2017 10:20 AM
Author: hilarious hell laser beams

I loled for realz at the $4K drugs and alcohol line of the budget

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524493)



Reply Favorite

Date: October 25th, 2017 10:45 AM
Author: Insecure dysfunction

To be fair, the $4k drug and alcohol budget is what makes the $1k poasting insurance premium so high.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524688)



Reply Favorite

Date: October 25th, 2017 10:46 AM
Author: hilarious hell laser beams

180

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524691)



Reply Favorite

Date: October 25th, 2017 11:37 AM
Author: Balding harsh psychic

what fucking gym is $1000 a month?

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34525039)



Reply Favorite

Date: October 25th, 2017 11:46 AM
Author: wonderful sadistic mexican

You think those stim boys are free?

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34525094)



Reply Favorite

Date: October 25th, 2017 11:50 AM
Author: sticky floppy menage nibblets

Equinox membership for both parents and the kids and au pair too!

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34525125)



Reply Favorite

Date: October 25th, 2017 12:32 PM
Author: Insecure dysfunction

You're questioning the line item for Pounder's Place but not the line item for Poaster Insurance?

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34525382)



Reply Favorite

Date: October 25th, 2017 2:50 PM
Author: Balding harsh psychic

no, that was understood

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34526377)



Reply Favorite

Date: October 25th, 2017 11:40 AM
Author: histrionic house electric furnace

no student loans?

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34525062)



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Date: October 25th, 2017 11:53 AM
Author: sticky floppy menage nibblets

Good point.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34525141)



Reply Favorite

Date: October 25th, 2017 11:55 AM
Author: Well-lubricated heaven doctorate

Hmmm... tell me more about poasting insurance...

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34525169)



Reply Favorite

Date: October 25th, 2017 7:21 PM
Author: grizzly indian lodge

whoa who's your poastal insurance carrier that's a great rate

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34528231)



Reply Favorite

Date: October 25th, 2017 9:18 AM
Author: Greedy outnumbered water buffalo

(soulless-bugman coastal dweller)

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524100)



Reply Favorite

Date: October 25th, 2017 9:20 AM
Author: Vibrant Forum

move then faggot

lol @ paying 4k a month to live in a cardboard box in the bay area with a 3 hr commute

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524110)



Reply Favorite

Date: October 25th, 2017 9:46 AM
Author: Green out-of-control location

no jobs anywhere else

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524258)



Reply Favorite

Date: October 25th, 2017 9:57 AM
Author: idiotic aphrodisiac spot

Clip this out.

Look at it in five years.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524332)



Reply Favorite

Date: October 25th, 2017 10:32 AM
Author: Greedy outnumbered water buffalo

He's a small souled bugman.

He has to live in his bug hive apartment, bug hive cubicle, and subsist off of soy and other processed bugman food.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524597)



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Date: October 25th, 2017 9:40 AM
Author: razzle-dazzle lavender field volcanic crater

Even if you're pulling in ~$1M a year you're still basically white trash.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524219)



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Date: October 25th, 2017 10:19 AM
Author: Startled talking center

truth.

there are only 3 classes in this country: shiftless welfare/disability trash, labor, and owners.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524483)



Reply Favorite

Date: October 25th, 2017 11:38 AM
Author: razzle-dazzle lavender field volcanic crater



(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34525046)



Reply Favorite

Date: October 25th, 2017 10:26 AM
Author: idiotic aphrodisiac spot

Can someone summarize this thread? I can't be arsed to read it.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524541)



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Date: October 25th, 2017 10:28 AM
Author: Adventurous Mentally Impaired Pocket Flask Area

TMF is complaining that the 500k he doesn't make and never will is not enough to cover him and mandy

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524560)



Reply Favorite

Date: October 25th, 2017 10:30 AM
Author: idiotic aphrodisiac spot

Thanks. Going to stay out of this one....

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524575)



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Date: October 25th, 2017 10:31 AM
Author: sticky floppy menage nibblets

I never actually said it isn't enough. I said it isn't rich.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524590)



Reply Favorite

Date: October 25th, 2017 10:48 AM
Author: citrine parlor



(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524716)



Reply Favorite

Date: October 25th, 2017 6:03 PM
Author: Dull sex offender



(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34527729)



Reply Favorite

Date: October 26th, 2017 3:14 PM
Author: razzle-dazzle lavender field volcanic crater



(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34535109)



Reply Favorite

Date: October 25th, 2017 10:30 AM
Author: hilarious hell laser beams

$500k/year = $25k/month = unlivable based upon *this* kind of budget ...

... TEEHEE food & alcohol & drugs & towel service upgrades are expensive AF because life makes us consume to distract from ARE reality, anxiety, depression, etc.

http://xoxohth.com/thread.php?thread_id=3774063&forum_id=2#34524015

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524572)



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Date: October 25th, 2017 10:27 AM
Author: arousing shimmering blood rage ticket booth

cr that's practically welfare. you need at least $2mm/yr to be middle class

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524551)



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Date: October 25th, 2017 10:30 AM
Author: multi-colored partner

enjoy being forced to helicopter commute into the city from Morristown every day, because you'll never be able to afford MFH, faggot!

http://www.flyblade.com/

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524573)



Reply Favorite

Date: October 25th, 2017 10:49 AM
Author: citrine parlor

cr, 500k is basically poverty in a coastal city. lol @ people being outraged itt because they are maeking it on 200k in flyover, and lol @ tmf sprinting to thsi thread to provide his dream 500k budget

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34524720)



Reply Favorite

Date: October 25th, 2017 11:45 AM
Author: Green out-of-control location

ta,oc,tclols

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34525092)



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Date: October 25th, 2017 11:44 AM
Author: Startling internal respiration

You people are all fucking retarded.

$500K is rich. That is all. There's no debate whatsoever.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34525081)



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Date: October 25th, 2017 11:50 AM
Author: Startled talking center

No amount of income is rich. Only wealth makes you rich.

$500k is very comfortable anywhere in the US and you should punch anyone in the face if they say otherwise.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34525127)



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Date: October 25th, 2017 11:55 AM
Author: Diverse state weed whacker

This is a good point between wealth and income.

The key is to convert your active income into passive income.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34525166)



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Date: October 25th, 2017 12:03 PM
Author: Startling internal respiration

No. This wealth vs income argument is an old and tired one, but by the time you're making $500k you are definitely rich, even if you haven't yet accumulated many assets. $500k income is the freedom to live comfortably in nearly any place on earth, you will save for retirement, take quality vacations, afford nannies, nice vehicles, a nice home or luxury building, have good health care and insurance, and never want for anything. You are rich, even if you never save a dime. The lifestyle you can carry indefinitely is an affluent one.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34525234)



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Date: October 25th, 2017 12:13 PM
Author: Startled talking center

Only if your salary carries indefinitely. Many people who make that much have a hard time sustaining it. There are very few stable careers where you're guaranteed $500k+ income for life, maybe a surgeon. Living rich because you had a decent salary for a couple years is hoodrat behavior.

Look at all the lawyers on here who used to be pulling 300-400 getting pushed out and going in-house for 150. Were they rich? No. They could rent a nice life for a few years if they spent all their money with no savings.

All that matters is wealth.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34525296)



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Date: October 25th, 2017 12:20 PM
Author: Startling internal respiration

That's a myopic view of what it means to be rich, because even diligently accumulated assets can be lost. "Rich" is the lifestyle you can afford. Accumulated wealth is one of two measures by which a person can be rich. The other is income/liquidity

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34525332)



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Date: October 25th, 2017 12:27 PM
Author: Startled talking center

*misplaces $10 million dollars*

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34525360)



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Date: October 25th, 2017 12:32 PM
Author: Startling internal respiration

The simple point is that one need not always be rich. Some people are born rich and grow poor; others the opposite. Some are rich for just a few years. It doesn't matter. Someone making $500k is at this present time rich.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34525383)



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Date: October 25th, 2017 12:38 PM
Author: Startled talking center

(Wise Latina confusing velocity for position)

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34525424)



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Date: October 25th, 2017 6:58 PM
Author: Misunderstood Trailer Park

future time orientation.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34528108)



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Date: October 25th, 2017 2:51 PM
Author: Green out-of-control location

bullshit. my household income is more than $500k and if you followed me around for a week, saw my home, saw how i live, you'd think i was some middle middle class wage slave SCHMUCK because that's exactly what i am

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34526386)



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Date: October 25th, 2017 11:49 AM
Author: histrionic house electric furnace

wife and i make 550k a year and we easily save 100k a year.

Monthly

Mortgage tax and insurance 4k

cars 1700 (includes a newish audis S7 and brand new Q7)

self employment 401k 4800

company 401k 1200

Childcare 1600

allowance 2k (1k each)

personal chef 1500

groceries 400

2 10k vacations a year

2 shopping trips a year

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34525115)



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Date: October 25th, 2017 11:50 AM
Author: citrine parlor

"Mortgage tax and insurance 4k"

i dont think this thread applies to flyover residents

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34525126)



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Date: October 25th, 2017 12:34 PM
Author: histrionic house electric furnace

Live in the beltway of DC gaywad

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34525397)



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Date: October 25th, 2017 11:55 AM
Author: boyish brunch goyim

lmao good god

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34525163)



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Date: October 25th, 2017 11:56 AM
Author: mind-boggling coral cruise ship prole

LOL what fucking shit backwater are you living in where mortgage tax and insurance are $4k, childcare is $1,600, and a chef is $1,500? Must be Houston, right?

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34525175)



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Date: October 25th, 2017 12:35 PM
Author: histrionic house electric furnace

my house was 700k

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34525401)



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Date: October 25th, 2017 11:58 AM
Author: Diverse state weed whacker

Who lets these goddamn Boomers poast here?

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34525195)



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Date: October 25th, 2017 11:54 AM
Author: mind-boggling coral cruise ship prole

This thread is dumb, but $500k HHI is probably the minimum you need to have a remotely UMC life in MFH.

Assuming you max out your 401ks, that is roughly $19k per month in take home. I know because I have made this amount living in MFH.

$6k for a nice 2br with doorman a reasonable distance from work. (Average 2BR on UWS is $5,800 these days. https://www.rentcafe.com/average-rent-market-trends/us/ny/manhattan/. Realistically, the best you can do on this is probably 4.5k if you are willing to live in a walkup, which is a pain with a baby.

$2k for food, utilities, house cleaning, cell phone bills, dry cleaning, etc. for family of 3.

$4k for daycare, after care, baby sitter, and "classes" for kid/going to other kids birthday parties.

$1k per month (annualized) for travel and vacation expenses (grandparents need to see kid, etc.)

$1.5k per month (annualized) everything else - birthday/wedding gifts, clothes, haircuts, gym membership/hobby, etc.

So you are basically saving $4.5k per month/$54k per year. An apartment that could comfortably accommodate a family of 4 (don't you want to have another?!) below 110th street is $1.75-$2M, requiring a $350,000-400,000 cash downpayment, with 2 years' mortgage and maintenance in liquid assets remaining. (So, another $150-200k liquid.) Assuming you are starting from scratch, it would take you like 8 years to get there.

Private school - a defining characteristic of the UMC in other areas - is a definite no at $50k per year. http://www.trinityschoolnyc.org/page/admissions/tuition--financial-aid. You can barely afford to have the two kids and a nanny on $500k while building some cash savings.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34525148)



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Date: October 25th, 2017 11:56 AM
Author: idiotic aphrodisiac spot

Taxes

Debt service



(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34525171)



Reply Favorite

Date: October 25th, 2017 11:56 AM
Author: idiotic aphrodisiac spot

Taxes

Debt service



(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34525172)



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Date: October 25th, 2017 11:56 AM
Author: boyish brunch goyim

you guys are fucking delusional

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34525176)



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Date: October 25th, 2017 11:59 AM
Author: mind-boggling coral cruise ship prole

What part am I wrong or deluded about?



(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34525205)



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Date: October 25th, 2017 12:01 PM
Author: sticky floppy menage nibblets

?

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34525217)



Reply Favorite

Date: October 25th, 2017 11:58 AM
Author: Startled talking center

Living in the city is a status symbol. Of course it's expensive.

Swap MFH for some CT/NY/NJ suburb, then you have no need to spend a couple mil on your place unless you want a huge one, and public schools are fine. Millions of people live like this no problem.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34525193)



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Date: October 25th, 2017 12:01 PM
Author: irradiated massive dopamine

most of those suburbs are running 1M+ house, 20K property tax, except for parts of NJ. It's more doable if it's a 1 real job (where you have to go into work) household with kid though because of the commute.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34525214)



Reply Favorite

Date: October 25th, 2017 12:06 PM
Author: Startled talking center

What makes you think people like that actually want to see their kids in the first place? Kids are also a status symbol for that crowd. Childcare is completely outsourced even for SAHMs.

If family time were a priority, they'd be teaching public school in flyover country.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34525250)



Reply Favorite

Date: October 25th, 2017 12:07 PM
Author: irradiated massive dopamine

People I know in those areas (boomers and GenX from work) are 1 job households. A dual job household would be better off in NYC (and being more efficient with space, stuff). You'd lose too much combined time commuting from Greenwich, Westchester county, etc.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34525258)



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Date: October 25th, 2017 12:06 PM
Author: mind-boggling coral cruise ship prole

TCR also. https://www.elliman.com/westchester/18-carthage-lane-scarsdale-gvkpcap

That is what you get in Scarsdale for $1.4 M, and you'll pay $27,228 in property taxes per year. ($2,269 per month!)

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34525253)



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Date: October 25th, 2017 12:08 PM
Author: sticky floppy menage nibblets

Omg, you people are delusional, why don't you just rent in a drug den in S. Bronx or do a 2 hour commute???

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34525266)



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Date: October 25th, 2017 12:01 PM
Author: mind-boggling coral cruise ship prole

No one is disputing that you retard. The point is if you want to live in MFH and not spend your life in commuter hell, you will be barely UMC at $500k with a kid. All of your money will go into childcare and paying rent/mortgage so you can be home to spend time with the child (rather than 2-3 hours per day in some sardine can).

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34525221)



Reply Favorite

Date: October 25th, 2017 12:05 PM
Author: sticky floppy menage nibblets



(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34525249)



Reply Favorite

Date: October 25th, 2017 12:28 PM
Author: Startled talking center

You're so aggressively stupid it hurts.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34525362)



Reply Favorite

Date: October 25th, 2017 12:33 PM
Author: Federal library

180

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34525391)



Reply Favorite

Date: October 25th, 2017 2:54 PM
Author: Green out-of-control location

yeah because when i think UMC i definitely think spending three fucking hours per day crammed into decaying public transportation!

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34526429)



Reply Favorite

Date: October 25th, 2017 12:33 PM
Author: Federal library

How come the "value" of living in MFH is never discussed in these budgets? You don't just get a 2 BR condo for $6k but you are getting a 2 BR in MFH. You can't whine about what little you get for that $6k compared to other places and then leave out that you are also purchasing a status symbol and the actual utility of living in the city.

That utility needs to be included in what you are buying with your mortgage etc. You can't leave it out when defining UMC and comparing yourself to flyover.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34525389)



Reply Favorite

Date: October 25th, 2017 12:47 PM
Author: idiotic aphrodisiac spot

Good point, should tax the disutility of being in fraudland.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34525488)



Reply Favorite

Date: October 25th, 2017 7:06 PM
Author: Seedy red regret

CR

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34528155)



Reply Favorite

Date: October 25th, 2017 12:44 PM
Author: Adventurous Mentally Impaired Pocket Flask Area

This entire thread and everyone in it should be gassed

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34525473)



Reply Favorite

Date: October 25th, 2017 1:43 PM
Author: sticky floppy menage nibblets

You're ITT

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34525895)



Reply Favorite

Date: October 25th, 2017 5:16 PM
Author: Diverse state weed whacker

Gas gas gas

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34527387)



Reply Favorite

Date: October 25th, 2017 2:48 PM
Author: arousing shimmering blood rage ticket booth

these threads consistently deliver pure unbridled striver rage. it's 180

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34526351)



Reply Favorite

Date: October 25th, 2017 5:13 PM
Author: concupiscible dilemma

The Meanest Fish is counting his fucking corporate benefits and probably some retard 'junior options' plan when he computes his income, LOL. Nobody at his company doing what he does is making more than $175K cash comp and that's all in with bonus, high-end. Base salaries for in-house top out mid 150s and the structure there is notoriously flat because of the extremely high turnover.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34527355)



Reply Favorite

Date: October 25th, 2017 6:52 PM
Author: Apoplectic impertinent yarmulke

(Harrison Barnes the poaster, typing with one hand and cutting up lines with the other)

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34528069)



Reply Favorite

Date: October 25th, 2017 7:49 PM
Author: mind-boggling coral cruise ship prole



(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34528368)



Reply Favorite

Date: October 25th, 2017 7:51 PM
Author: sticky floppy menage nibblets

I'm not and you're totally wrong.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34528383)



Reply Favorite

Date: October 25th, 2017 8:11 PM
Author: Metal unholy patrolman

i'm in-house, junior to TMF and i'm getting $200k base/50% bonus (my group has already made its numbers for the year) in a secondary city. i know non-amazon in-house ppl whose comp matched biglaw. there's a lot of generic in-house but there are also much higher value positions requiring specific skill sets.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34528488)



Reply Favorite

Date: October 26th, 2017 11:10 AM
Author: Cracking boistinker

https://www.glassdoor.com/Salary/AT-and-T-Senior-Attorney-Salaries-E613_D_KO9,24.htm

that's peer company that is known to have better compensation and there's no way TMF has a higher level position than "senior attorney."

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34533065)



Reply Favorite

Date: October 25th, 2017 7:17 PM
Author: Territorial charismatic step-uncle's house pervert

lol at this fucking thread, callow materialism with no self-awareness. you guys need a rich internal life or something.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34528207)



Reply Favorite

Date: October 25th, 2017 7:20 PM
Author: rough-skinned stain famous landscape painting

These faggots need a tire full of gasoline around their neck and a cigarette

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34528220)



Reply Favorite

Date: October 25th, 2017 7:27 PM
Author: curious halford box office



(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34528260)



Reply Favorite

Date: October 25th, 2017 7:57 PM
Author: mind-boggling coral cruise ship prole

The arm flapping autists in this thread complaining about strivers and shit don't understand what it used to mean to be UMC. It meant working a respected professional job, putting 2-3 kids through private schooling without them incurring debt, maybe owning a modest vacation home, retiring in your mid 60s, and never really worrying about money (though never flying first class, owning a Bentley, or being a member at Winged Foot). You are not living this lifestyle in MFH on $500k of HHI working biglaw hours (i.e., where you have to pay for childcare and other conveniences).

If you don't believe me look at the of counsel at your MFH biglaw firms. How many of them are raising kids in MFH? Zero. You'd be lucky if you could find one that even lives in the 5 boroughs.

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34528418)



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Date: October 25th, 2017 8:12 PM
Author: Metal unholy patrolman



(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34528490)



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Date: October 26th, 2017 3:12 PM
Author: underhanded costumed private investor



(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34535085)



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Date: October 25th, 2017 8:43 PM
Author: Green out-of-control location

great thread

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34528722)



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Date: October 25th, 2017 8:58 PM
Author: Aquamarine blathering preventive strike hairy legs

Ljl @ the level of (((GC))) in this thread

(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34528864)



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Date: November 9th, 2017 6:29 PM
Author: citrine parlor



(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#34646497)



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Date: February 22nd, 2018 1:13 PM
Author: citrine parlor



(http://www.autoadmit.com/thread.php?thread_id=3774063&forum_id=2#35461238)