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How to make $200k and just get by (pic/chart

https://qph.ec.quoracdn.net/main-qimg-a6249a6a24542e93745985...
sapphire fighting hospital trust fund
  01/14/18
Problem: children
Glassy Casino
  01/14/18
This is like the perfect chart for an XO 100-post thread.
French Stimulating Property Water Buffalo
  01/15/18
that misc is way too low and child care way too high.
Lascivious Jew
  01/14/18
That childcare cost is common in DC; it's insane.
Disrespectful corn cake
  01/14/18
Nah, $2k/mo is normal in any major metro. It works out to l...
French Stimulating Property Water Buffalo
  01/15/18
More like $2,800-$3k in NYC for full-time care.
Orchid scourge upon the earth public bath
  03/08/18
Just scraping by contributing max to 401k and paying off 3k ...
Maize space mexican
  01/14/18
If a kid goes to 2 or 3 lessons a week, that's 5k. If you ha...
cobalt goal in life stage
  01/14/18
also lolled at $8k a year on vacations
Iridescent histrionic center
  01/14/18
Also 4800 in gas. Are they fucking truck drivers or somethin...
Maize space mexican
  01/14/18
...
exciting ocher library new version
  01/15/18
Both have long commutes in SUVs
Ebony supple stage
  01/15/18
Yet somehow still manage to pay an absurd mortgage even thou...
motley therapy range
  01/15/18
Yeah, McMansions don’t pay for themselves
Ebony supple stage
  01/15/18
the whole point of living far out (at least in the coastal c...
motley therapy range
  01/15/18
To you. To them it’s about getting a giant fucking house.
Ebony supple stage
  01/15/18
thats actually reasonable. i have a 17-mile one-way commute ...
transparent depressive
  01/15/18
40 miles a day, 25 mpg, $2.50 gas, 6 days a week, is $24 per...
Henna charismatic spot kitty cat
  01/19/18
If his fill up costs 50 bucks, he’s probably not driving a c...
Ebony supple stage
  01/19/18
gas = booger sugar
Arrogant school cafeteria
  01/19/18
I spend that on one vacation a year.
razzle bat-shit-crazy gay wizard queen of the night
  01/15/18
...
odious rigor useless brakes
  01/15/18
(not my wife)
Vermilion titillating nibblets native
  01/15/18
that one actually seems reasonable to me. if we assume 4 ...
slimy razzle-dazzle bawdyhouse
  01/15/18
Yeah who doesn't have 4 weeks off for luxury vacations?
motley therapy range
  01/15/18
...
Dashing striped hyena theater stage
  01/15/18
for a family, thats actually reasonable
galvanic carmine box office tank
  01/15/18
...
disgusting area shitlib
  01/15/18
...
galvanic carmine box office tank
  01/15/18
spin, ratfucks
Maroon outnumbered sneaky criminal
  01/15/18
kikes definitely made this "chart"
navy business firm indirect expression
  01/14/18
kikes do not spend like this. these are 100% goys.
exciting ocher library new version
  01/15/18
Twist: you are both right. Kikes made this chart for goys
Ebony supple stage
  01/15/18
...
Passionate insanely creepy fortuitous meteor messiness
  01/15/18
yeah thought that was my obvious meaning
navy business firm indirect expression
  01/15/18
...
Gaped forum boistinker
  01/15/18
...
exciting ocher library new version
  01/15/18
...
French Stimulating Property Water Buffalo
  01/15/18
...
Coral deer antler voyeur
  03/08/18
...
French Stimulating Property Water Buffalo
  01/15/18
Missed the more obvious way to make 200k and only get by: Ha...
Disrespectful corn cake
  01/15/18
great troll job making me mad as fuck
pearl swollen principal's office goyim
  01/15/18
...
galvanic carmine box office tank
  01/15/18
Maxing retirement savings Taking two oppulent vacations a y...
heady kitty
  01/15/18
LOL @ "opulent" 2 vacations for a family of 4 tota...
Charcoal out-of-control dog poop dingle berry
  01/15/18
You should write an article about it lmao
Flushed massive shrine
  01/15/18
...
Trip chrome selfie
  01/15/18
Underrated
French Stimulating Property Water Buffalo
  01/15/18
This is a solidly UMC life for 140k + 60k incomes. Don't see...
Embarrassed To The Bone Snowy Lodge Organic Girlfriend
  01/15/18
significant savings, discretionary spending, and a good life...
Buck-toothed office quadroon
  01/15/18
they are not 'just getting by'. they are living lavishly, co...
galvanic carmine box office tank
  01/15/18
agreed. could delay having kids, could cut the lessons if a...
slimy razzle-dazzle bawdyhouse
  01/15/18
TBF, if both are working they can’t afford to max both IRAs.
French Stimulating Property Water Buffalo
  01/15/18
Is that 30% rate all inclusive or just Federal? If just Fed...
slimy razzle-dazzle bawdyhouse
  01/15/18
Why would it not be all inclusive? Do u see state, payroll, ...
Vermilion titillating nibblets native
  01/15/18
I don't see state, but I've never seen "federal + state...
slimy razzle-dazzle bawdyhouse
  01/15/18
Yeah that’s not the normal usage of that term but whatever. ...
Vermilion titillating nibblets native
  01/15/18
And why does it list donations to charity coming out of post...
curious fear-inspiring stain
  01/15/18
It’s not a top line deduction so it’s not that simple. Also...
Sienna candlestick maker reading party
  01/15/18
$3,000 in consumer debt? No one with a college degree should...
Spectacular dopamine
  01/15/18
$6000 on car payments?
Impressive electric furnace
  01/15/18
Yeah, seems low
Ebony supple stage
  01/15/18
And how the hell would they be spending $400 a month on fuel...
excitant elite point
  01/19/18
My wife and I make over 400k (like 480k with full bonus) and...
drab idiot headpube
  01/15/18
LMAO pepper angus, bro
Ebony supple stage
  01/15/18
Ya man. I’m definitely a biglaw slave now.
drab idiot headpube
  01/15/18
(profligate guy with no budget)
heady kitty
  01/15/18
The draw of home ownership is what’s doing this to me. I cou...
drab idiot headpube
  01/15/18
400k is about 22k a month after taxes. A 30 year mortagag...
heady kitty
  01/15/18
I pay 5500 for property taxes, homeowners insurance, and mor...
drab idiot headpube
  01/15/18
with maxed 401ks, a 45% federal, state, and local effective ...
heady kitty
  01/15/18
You're leaking a lot of money somewhere. Get a fuckin budget...
Vermilion titillating nibblets native
  01/15/18
You’re right. Also some of this is hard to analyze because w...
drab idiot headpube
  01/15/18
Protup: she's giving an allowance to Darnell You're budge...
motley therapy range
  01/19/18
CR is to not have kids
boyish slate masturbator state
  01/15/18
(Shlomo Kikesteinberg)
Turquoise At-the-ready Gas Station
  01/15/18
thats what i make and i can tell you mortgage is way too hig...
transparent depressive
  01/15/18
lol why the fuck does someone making $200k think they xan af...
transparent depressive
  01/15/18
In dc houses under 700k have bullets flying over them.
drab idiot headpube
  01/15/18
then dont work in dc
transparent depressive
  01/15/18
if you're buying a house in DC why are you spending $5000 pe...
motley therapy range
  01/15/18
...
Fantasy-prone tanning salon windowlicker
  01/15/18
it's a made-up budget by some financial porn site, specifica...
floppy painfully honest brethren coldplay fan
  01/15/18
Who makes 200k and still has a $500 car payment per month
wild roommate genital piercing
  01/15/18
...
disgusting area shitlib
  01/15/18
I do. And my HHI is $350k. Lots of much richer people tha...
Laughsome metal philosopher-king
  01/15/18
Most Americans making 200k
Ebony supple stage
  01/19/18
Forgot the 20k/yr line item for cocaine
motley therapy range
  01/15/18
(XO 2018)
Fantasy-prone tanning salon windowlicker
  01/15/18
In the cities where it's feasible to get a wagecuck salary o...
Turquoise At-the-ready Gas Station
  01/15/18
...
canary submissive temple sound barrier
  01/15/18
Amazing how so many high functioning autistic dweebs with to...
low-t place of business hissy fit
  01/15/18
and then make "prole tell" posts
Concupiscible underhanded chapel immigrant
  01/15/18
i hate people who act like their 401k doesnt count as money
puce sanctuary
  01/15/18
they gutted social security and took away pensions, yeah, fu...
canary submissive temple sound barrier
  01/15/18
Protip: in 30 years after the social security fund is fully ...
motley therapy range
  01/19/18
I don't have kids and I made $200k when I was 25 with $0 loa...
swashbuckling parlour incel
  01/15/18
I assume someone making so little qualifies for public assis...
Sienna candlestick maker reading party
  01/15/18
How does he afford crippling alcoholism?
French Stimulating Property Water Buffalo
  01/15/18
"consumer debt" lmao
Concupiscible underhanded chapel immigrant
  01/15/18
why didn't they just buy crypto?
Concupiscible underhanded chapel immigrant
  01/15/18
they didnt want to be -200k in the hole
sapphire fighting hospital trust fund
  01/17/18
?
Sienna candlestick maker reading party
  01/19/18
?
big stock car pervert
  01/19/18
Ljl at 5k for "children's lessons"
Drunken talented filthpig
  01/17/18
"Children's lessons" gives it away that this list ...
crawly beta gaming laptop lay
  01/19/18
We deal with it by asking, “Where does it all go?” and retu...
Yapping brilliant resort
  01/19/18
"I'm barely getting by!" she screeched as she chec...
Spectacular dopamine
  01/19/18
*his ballet lesson
sapphire fighting hospital trust fund
  01/19/18
$1000 for food for a family of four is low. Basically 100% ...
beady-eyed regret
  01/19/18
Agree, if you make 200k you're gonna eat out with the family...
emerald aphrodisiac legend
  03/08/18
Their main issue is that nobody making $200k should be buyin...
Coiffed Nudist Corner
  01/19/18
found it! https://www.financialsamurai.com/how-to-make-si...
Vibrant translucent juggernaut cruise ship
  03/08/18
lol they actually forgot healthcare insurance
rough-skinned locus french chef
  03/08/18


Poast new message in this thread



Reply Favorite

Date: January 14th, 2018 11:51 PM
Author: sapphire fighting hospital trust fund

https://qph.ec.quoracdn.net/main-qimg-a6249a6a24542e93745985a058acdbdb

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35158058)



Reply Favorite

Date: January 14th, 2018 11:53 PM
Author: Glassy Casino

Problem: children

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35158069)



Reply Favorite

Date: January 15th, 2018 7:29 PM
Author: French Stimulating Property Water Buffalo

This is like the perfect chart for an XO 100-post thread.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35163373)



Reply Favorite

Date: January 14th, 2018 11:53 PM
Author: Lascivious Jew

that misc is way too low and child care way too high.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35158071)



Reply Favorite

Date: January 14th, 2018 11:58 PM
Author: Disrespectful corn cake

That childcare cost is common in DC; it's insane.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35158095)



Reply Favorite

Date: January 15th, 2018 7:31 PM
Author: French Stimulating Property Water Buffalo

Nah, $2k/mo is normal in any major metro. It works out to like $16/hour.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35163384)



Reply Favorite

Date: March 8th, 2018 3:33 PM
Author: Orchid scourge upon the earth public bath

More like $2,800-$3k in NYC for full-time care.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35563302)



Reply Favorite

Date: January 14th, 2018 11:54 PM
Author: Maize space mexican

Just scraping by contributing max to 401k and paying off 3k of consumer debt with 5k in "lessons". Truly middle class salt of the earth problems

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35158073)



Reply Favorite

Date: January 14th, 2018 11:56 PM
Author: cobalt goal in life stage

If a kid goes to 2 or 3 lessons a week, that's 5k. If you have two kids and they go to a single lesson a week, that's 5k as well.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35158080)



Reply Favorite

Date: January 14th, 2018 11:56 PM
Author: Iridescent histrionic center

also lolled at $8k a year on vacations

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35158081)



Reply Favorite

Date: January 14th, 2018 11:58 PM
Author: Maize space mexican

Also 4800 in gas. Are they fucking truck drivers or something?

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35158090)



Reply Favorite

Date: January 15th, 2018 12:01 AM
Author: exciting ocher library new version



(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35158119)



Reply Favorite

Date: January 15th, 2018 8:13 AM
Author: Ebony supple stage

Both have long commutes in SUVs

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159184)



Reply Favorite

Date: January 15th, 2018 9:10 AM
Author: motley therapy range

Yet somehow still manage to pay an absurd mortgage even though they live way out in the burbs

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159293)



Reply Favorite

Date: January 15th, 2018 12:35 PM
Author: Ebony supple stage

Yeah, McMansions don’t pay for themselves

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35160396)



Reply Favorite

Date: January 15th, 2018 3:24 PM
Author: motley therapy range

the whole point of living far out (at least in the coastal cities) is that it's cheaper...

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35161556)



Reply Favorite

Date: January 15th, 2018 3:48 PM
Author: Ebony supple stage

To you. To them it’s about getting a giant fucking house.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35161727)



Reply Favorite

Date: January 15th, 2018 8:21 AM
Author: transparent depressive

thats actually reasonable. i have a 17-mile one-way commute that i make 6 days a week on average. wife has a shorter commute. between the two of us on average we fill up each vehicle once a week at ~$50 each, so call it $5,200/yr

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159202)



Reply Favorite

Date: January 19th, 2018 10:57 AM
Author: Henna charismatic spot kitty cat

40 miles a day, 25 mpg, $2.50 gas, 6 days a week, is $24 per week, broski.

In order to spend $5200 on gas, EACH of you would have to average 75 miles driving EVERY DAY.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35188658)



Reply Favorite

Date: January 19th, 2018 12:11 PM
Author: Ebony supple stage

If his fill up costs 50 bucks, he’s probably not driving a car that gets 25 mpg. He’s still off but average couple with commutes are paying easily 3 grand a year. It’s not hard to see someone paying 5k if they have long commutes and cars with shit gas mileage.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35189179)



Reply Favorite

Date: January 19th, 2018 10:56 AM
Author: Arrogant school cafeteria

gas = booger sugar

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35188653)



Reply Favorite

Date: January 15th, 2018 12:01 AM
Author: razzle bat-shit-crazy gay wizard queen of the night

I spend that on one vacation a year.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35158113)



Reply Favorite

Date: January 15th, 2018 12:05 AM
Author: odious rigor useless brakes



(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35158142)



Reply Favorite

Date: January 15th, 2018 1:48 AM
Author: Vermilion titillating nibblets native

(not my wife)

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35158622)



Reply Favorite

Date: January 15th, 2018 2:13 AM
Author: slimy razzle-dazzle bawdyhouse

that one actually seems reasonable to me.

if we assume 4 weeks off and a family, even if you just went on 2 main vacations, the plane tickets, hotels, etc. add up.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35158691)



Reply Favorite

Date: January 15th, 2018 9:12 AM
Author: motley therapy range

Yeah who doesn't have 4 weeks off for luxury vacations?

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159294)



Reply Favorite

Date: January 15th, 2018 7:08 PM
Author: Dashing striped hyena theater stage



(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35163247)



Reply Favorite

Date: January 15th, 2018 2:15 AM
Author: galvanic carmine box office tank

for a family, thats actually reasonable

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35158693)



Reply Favorite

Date: January 15th, 2018 8:27 AM
Author: disgusting area shitlib



(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159208)



Reply Favorite

Date: January 15th, 2018 2:04 AM
Author: galvanic carmine box office tank



(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35158667)



Reply Favorite

Date: January 15th, 2018 2:06 AM
Author: Maroon outnumbered sneaky criminal

spin, ratfucks

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35158673)



Reply Favorite

Date: January 14th, 2018 11:57 PM
Author: navy business firm indirect expression

kikes definitely made this "chart"

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35158086)



Reply Favorite

Date: January 15th, 2018 12:02 AM
Author: exciting ocher library new version

kikes do not spend like this. these are 100% goys.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35158122)



Reply Favorite

Date: January 15th, 2018 8:10 AM
Author: Ebony supple stage

Twist: you are both right. Kikes made this chart for goys

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159175)



Reply Favorite

Date: January 15th, 2018 8:22 AM
Author: Passionate insanely creepy fortuitous meteor messiness



(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159204)



Reply Favorite

Date: January 15th, 2018 9:51 AM
Author: navy business firm indirect expression

yeah thought that was my obvious meaning

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159396)



Reply Favorite

Date: January 15th, 2018 10:23 AM
Author: Gaped forum boistinker



(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159567)



Reply Favorite

Date: January 15th, 2018 4:21 PM
Author: exciting ocher library new version



(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35161991)



Reply Favorite

Date: January 15th, 2018 7:31 PM
Author: French Stimulating Property Water Buffalo



(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35163386)



Reply Favorite

Date: March 8th, 2018 3:15 PM
Author: Coral deer antler voyeur



(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35563128)



Reply Favorite

Date: January 15th, 2018 7:31 PM
Author: French Stimulating Property Water Buffalo



(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35163385)



Reply Favorite

Date: January 15th, 2018 12:01 AM
Author: Disrespectful corn cake

Missed the more obvious way to make 200k and only get by: Having to spend 20k or more a year paying down massive law school debt.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35158120)



Reply Favorite

Date: January 15th, 2018 12:04 AM
Author: pearl swollen principal's office goyim

great troll job making me mad as fuck

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35158133)



Reply Favorite

Date: January 15th, 2018 2:04 AM
Author: galvanic carmine box office tank



(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35158668)



Reply Favorite

Date: January 15th, 2018 12:08 AM
Author: heady kitty

Maxing retirement savings

Taking two oppulent vacations a year

Living in a 700k house

Driving a nice car

And, having thousands left over

Is a very good life

He makes 200k. It's classic UMC.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35158159)



Reply Favorite

Date: January 15th, 2018 8:57 AM
Author: Charcoal out-of-control dog poop dingle berry

LOL @ "opulent" 2 vacations for a family of 4 totaling $8k sounds pretty bare bones. They should get in DAT points game.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159268)



Reply Favorite

Date: January 15th, 2018 9:15 AM
Author: Flushed massive shrine

You should write an article about it lmao

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159299)



Reply Favorite

Date: January 15th, 2018 10:29 AM
Author: Trip chrome selfie



(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159603)



Reply Favorite

Date: January 15th, 2018 7:32 PM
Author: French Stimulating Property Water Buffalo

Underrated

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35163392)



Reply Favorite

Date: January 15th, 2018 1:42 AM
Author: Embarrassed To The Bone Snowy Lodge Organic Girlfriend

This is a solidly UMC life for 140k + 60k incomes. Don't see the problem here

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35158609)



Reply Favorite

Date: January 15th, 2018 1:48 AM
Author: Buck-toothed office quadroon

significant savings, discretionary spending, and a good lifestyle. this is a clownworld shitlib definition of 'just getting by.'



(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35158624)



Reply Favorite

Date: January 15th, 2018 2:05 AM
Author: galvanic carmine box office tank

they are not 'just getting by'. they are living lavishly, contributing handsomely to retirement and spending liberally on ridiculous shit. could easily tighten things up substantially.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35158669)



Reply Favorite

Date: January 15th, 2018 2:11 AM
Author: slimy razzle-dazzle bawdyhouse

agreed. could delay having kids, could cut the lessons if already had kids. cut the charity if just scraping by.

also, 3k sounds like not that much for clothing, but that's quite a bit if you're doing it every year. 4800 on gas seems like too much too.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35158689)



Reply Favorite

Date: January 15th, 2018 7:32 PM
Author: French Stimulating Property Water Buffalo

TBF, if both are working they can’t afford to max both IRAs.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35163394)



Reply Favorite

Date: January 15th, 2018 2:07 AM
Author: slimy razzle-dazzle bawdyhouse

Is that 30% rate all inclusive or just Federal? If just Federal that seems way too high.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35158678)



Reply Favorite

Date: January 15th, 2018 2:09 AM
Author: Vermilion titillating nibblets native

Why would it not be all inclusive? Do u see state, payroll, property, sales, etc. somewhere else?

Edit: property is listed separate tif. Still pretty close tho, at least in a high tax state..

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35158685)



Reply Favorite

Date: January 15th, 2018 2:12 AM
Author: slimy razzle-dazzle bawdyhouse

I don't see state, but I've never seen "federal + state" described as "effective" rate before.

but 30% seems like a good estimate of total tax rate on 200K for the average state.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35158690)



Reply Favorite

Date: January 15th, 2018 2:17 AM
Author: Vermilion titillating nibblets native

Yeah that’s not the normal usage of that term but whatever.

Feds should grab mid to high teens in income tax for a guy with mortgage interest n 2 kids. 7.5 percent for payroll. If the state takes 5%, ur getting close.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35158697)



Reply Favorite

Date: January 15th, 2018 3:57 PM
Author: curious fear-inspiring stain

And why does it list donations to charity coming out of post-tax dollars? I'm no tax masterman, but wouldn't that basically be pre-tax if you deduct it?

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35161807)



Reply Favorite

Date: January 15th, 2018 8:58 PM
Author: Sienna candlestick maker reading party

It’s not a top line deduction so it’s not that simple. Also, presumably this flame budget accounts for that in the effective tax rate

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35163928)



Reply Favorite

Date: January 15th, 2018 7:52 AM
Author: Spectacular dopamine

$3,000 in consumer debt? No one with a college degree should have this.

$5,000 in lessons for your child? LJL if they're young enough to need $24k in "childcare" (younger than 5) why are they taking lessons? If it's a second child, live in a good school district where they offer music, dance, etc., and avoid paying for this flame.

$8,000 in vacations? If your barely getting by use points and take one vacation.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159161)



Reply Favorite

Date: January 15th, 2018 7:57 AM
Author: Impressive electric furnace

$6000 on car payments?

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159166)



Reply Favorite

Date: January 15th, 2018 8:12 AM
Author: Ebony supple stage

Yeah, seems low

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159179)



Reply Favorite

Date: January 19th, 2018 10:57 AM
Author: excitant elite point

And how the hell would they be spending $400 a month on fuel?

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35188659)



Reply Favorite

Date: January 15th, 2018 8:14 AM
Author: drab idiot headpube

My wife and I make over 400k (like 480k with full bonus) and we’re scraping by. Just stopped putting money in our 401ks.

Houses and child care here are stupid expensive and I think we probably spent too much on both. We’re canceling vacations this year.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159185)



Reply Favorite

Date: January 15th, 2018 8:15 AM
Author: Ebony supple stage

LMAO

pepper angus, bro

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159189)



Reply Favorite

Date: January 15th, 2018 8:17 AM
Author: drab idiot headpube

Ya man. I’m definitely a biglaw slave now.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159197)



Reply Favorite

Date: January 15th, 2018 8:35 AM
Author: heady kitty

(profligate guy with no budget)

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159217)



Reply Favorite

Date: January 15th, 2018 8:50 AM
Author: drab idiot headpube

The draw of home ownership is what’s doing this to me. I could rent and be fine.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159252)



Reply Favorite

Date: January 15th, 2018 8:55 AM
Author: heady kitty

400k is about 22k a month after taxes.

A 30 year mortagage on a 2 million house is only about 9k a month. You could buy one and have 13k a month left over for other expenses. Seems eminently doable.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159264)



Reply Favorite

Date: January 15th, 2018 9:03 AM
Author: drab idiot headpube

I pay 5500 for property taxes, homeowners insurance, and mortgage.

Daycare is 2000 per month.

Until this month my wife and I were maxing out 401k.

Food/gas and things like that are 3000 per month.

Almost half our money goes to state and federal taxes, FICA, Social Security, and other bullshit like that.

And last year we spent too much on vacations, would give in and eat out too often. Would say yes when our kid would beg for a toy. Would say fuck it and buy a new suit for work or a new screw gun because I really wanted them. This is the shit we need to clean up this year.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159276)



Reply Favorite

Date: January 15th, 2018 9:14 AM
Author: heady kitty

with maxed 401ks, a 45% federal, state, and local effective tax rate, and the expeses you listed, you still have

16,683-5,500-2,000-3,000

=6,183

per month left over for random expenses or saving

that's a lot of money

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159297)



Reply Favorite

Date: January 15th, 2018 10:07 AM
Author: Vermilion titillating nibblets native

You're leaking a lot of money somewhere. Get a fuckin budget.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159486)



Reply Favorite

Date: January 15th, 2018 10:30 AM
Author: drab idiot headpube

You’re right. Also some of this is hard to analyze because we just bought the house and spent a ton on a ski trip, so the sample size is small and skewed high. I’ve definitely looked over our expenses and talked to my wife about the shit we need to cut out. Still a little fucking anxious about owning an expensive ass houses.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159609)



Reply Favorite

Date: January 19th, 2018 12:06 PM
Author: motley therapy range

Protup: she's giving an allowance to Darnell

You're budget isn't the only thing that's leaking

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35189135)



Reply Favorite

Date: January 15th, 2018 8:15 AM
Author: boyish slate masturbator state

CR is to not have kids

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159190)



Reply Favorite

Date: January 15th, 2018 11:14 AM
Author: Turquoise At-the-ready Gas Station

(Shlomo Kikesteinberg)

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159856)



Reply Favorite

Date: January 15th, 2018 8:18 AM
Author: transparent depressive

thats what i make and i can tell you mortgage is way too high in that chart. so is childcare. car payments are low.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159200)



Reply Favorite

Date: January 15th, 2018 8:25 AM
Author: transparent depressive

lol why the fuck does someone making $200k think they xan afford a $700k home? $450 tops on that salary, but more like $350k if you're responsible

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159205)



Reply Favorite

Date: January 15th, 2018 8:31 AM
Author: drab idiot headpube

In dc houses under 700k have bullets flying over them.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159211)



Reply Favorite

Date: January 15th, 2018 8:34 AM
Author: transparent depressive

then dont work in dc

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159215)



Reply Favorite

Date: January 15th, 2018 10:20 AM
Author: motley therapy range

if you're buying a house in DC why are you spending $5000 per year on gas (and over $12k/year overall on cars)?

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159551)



Reply Favorite

Date: January 15th, 2018 10:31 AM
Author: Fantasy-prone tanning salon windowlicker



(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159621)



Reply Favorite

Date: January 15th, 2018 8:37 AM
Author: floppy painfully honest brethren coldplay fan

it's a made-up budget by some financial porn site, specifically intended to rile u up

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159220)



Reply Favorite

Date: January 15th, 2018 8:31 AM
Author: wild roommate genital piercing

Who makes 200k and still has a $500 car payment per month

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159210)



Reply Favorite

Date: January 15th, 2018 8:41 AM
Author: disgusting area shitlib



(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159225)



Reply Favorite

Date: January 15th, 2018 10:39 AM
Author: Laughsome metal philosopher-king

I do. And my HHI is $350k.

Lots of much richer people than I have car payments.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159675)



Reply Favorite

Date: January 19th, 2018 11:57 AM
Author: Ebony supple stage

Most Americans making 200k

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35189068)



Reply Favorite

Date: January 15th, 2018 9:13 AM
Author: motley therapy range

Forgot the 20k/yr line item for cocaine

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159295)



Reply Favorite

Date: January 15th, 2018 10:30 AM
Author: Fantasy-prone tanning salon windowlicker

(XO 2018)

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159612)



Reply Favorite

Date: January 15th, 2018 11:19 AM
Author: Turquoise At-the-ready Gas Station

In the cities where it's feasible to get a wagecuck salary of $200K it's $800K to get a cookie cutter mini McMansion with a 1-1.5 hour commute and your kids will still go to school with fobs. If they want to play competitive sports that's $5K per kid per year. Effective tax rate is higher and so are most of the other expenses listed besides vacations which can be forgone. Solution: don't be a wagecuck and live in are country

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159898)



Reply Favorite

Date: January 15th, 2018 3:26 PM
Author: canary submissive temple sound barrier



(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35161570)



Reply Favorite

Date: January 15th, 2018 11:22 AM
Author: low-t place of business hissy fit

Amazing how so many high functioning autistic dweebs with top 1% earnings can be so utterly retarded with money

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159909)



Reply Favorite

Date: January 15th, 2018 7:53 PM
Author: Concupiscible underhanded chapel immigrant

and then make "prole tell" posts

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35163542)



Reply Favorite

Date: January 15th, 2018 3:26 PM
Author: puce sanctuary

i hate people who act like their 401k doesnt count as money

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35161577)



Reply Favorite

Date: January 15th, 2018 3:27 PM
Author: canary submissive temple sound barrier

they gutted social security and took away pensions, yeah, fuck you, it's another tax that responsible people choose to pay so we're not sucking dick when we're 73

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35161589)



Reply Favorite

Date: January 19th, 2018 12:01 PM
Author: motley therapy range

Protip: in 30 years after the social security fund is fully echausted , they'll start taxing you're 401k to pay for the vast irresponsible majority's retirement

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35189099)



Reply Favorite

Date: January 15th, 2018 3:46 PM
Author: swashbuckling parlour incel

I don't have kids and I made $200k when I was 25 with $0 loans/debt/etc.

Add another $100k for future wife's salary and it seems like a pretty good life. $300k gets you UMC pretty easily.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35161720)



Reply Favorite

Date: January 15th, 2018 7:05 PM
Author: Sienna candlestick maker reading party

I assume someone making so little qualifies for public assistance, right?

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35163228)



Reply Favorite

Date: January 15th, 2018 7:33 PM
Author: French Stimulating Property Water Buffalo

How does he afford crippling alcoholism?

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35163398)



Reply Favorite

Date: January 15th, 2018 7:51 PM
Author: Concupiscible underhanded chapel immigrant

"consumer debt" lmao

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35163528)



Reply Favorite

Date: January 15th, 2018 7:54 PM
Author: Concupiscible underhanded chapel immigrant

why didn't they just buy crypto?

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35163546)



Reply Favorite

Date: January 17th, 2018 11:12 AM
Author: sapphire fighting hospital trust fund

they didnt want to be -200k in the hole

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35175100)



Reply Favorite

Date: January 19th, 2018 10:46 AM
Author: Sienna candlestick maker reading party

?

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35188595)



Reply Favorite

Date: January 19th, 2018 10:49 AM
Author: big stock car pervert

?

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35188612)



Reply Favorite

Date: January 17th, 2018 11:15 AM
Author: Drunken talented filthpig

Ljl at 5k for "children's lessons"

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35175135)



Reply Favorite

Date: January 19th, 2018 10:54 AM
Author: crawly beta gaming laptop lay

"Children's lessons" gives it away that this list was made by some chink

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35188645)



Reply Favorite

Date: January 19th, 2018 11:05 AM
Author: Yapping brilliant resort

We deal with it by asking, “Where does it all go?” and returning to the treadmill without doing the depressing analysis you kindly provided.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35188711)



Reply Favorite

Date: January 19th, 2018 11:43 AM
Author: Spectacular dopamine

"I'm barely getting by!" she screeched as she checked her 401(k) balance on her phone (maxed it out again this month) while waiting in line in her leased Mercedes to pick up Harper from her ballet lessons. "I hope Harper finishes up soon," she thought to herself. "I still have to pack for our vacation to the Bahamas next week."

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35188976)



Reply Favorite

Date: January 19th, 2018 12:20 PM
Author: sapphire fighting hospital trust fund

*his ballet lesson

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35189279)



Reply Favorite

Date: January 19th, 2018 12:16 PM
Author: beady-eyed regret

$1000 for food for a family of four is low. Basically 100% groceries, bring lunch from home, almost no eating out. Also, not sure where things like cell and internet are in this--I guess "home maintenance"?

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35189229)



Reply Favorite

Date: March 8th, 2018 3:23 PM
Author: emerald aphrodisiac legend

Agree, if you make 200k you're gonna eat out with the family some. That's hardly an absurd extravagance, since lots of proles eat out.



(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35563207)



Reply Favorite

Date: January 19th, 2018 12:23 PM
Author: Coiffed Nudist Corner

Their main issue is that nobody making $200k should be buying a $700k house. Math also doesn’t check out since mortgage amount is $3000/mo so they only put like $50k down?

Also stupid spending here and there like $8k on vacation, $3k “consumer debt,” expensive car payments, expensive kids lessons etc.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35189314)



Reply Favorite

Date: March 8th, 2018 3:12 PM
Author: Vibrant translucent juggernaut cruise ship

found it!

https://www.financialsamurai.com/how-to-make-six-figures-a-year-and-not-feel-rich-200000-income-edition/

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35563090)



Reply Favorite

Date: March 8th, 2018 3:17 PM
Author: rough-skinned locus french chef

lol they actually forgot healthcare insurance

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35563152)