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

https://qph.ec.quoracdn.net/main-qimg-a6249a6a24542e93745985...
pea-brained lemon range pozpig
  01/14/18
Problem: children
Supple Yapping School Roommate
  01/14/18
This is like the perfect chart for an XO 100-post thread.
beady-eyed hairless liquid oxygen
  01/15/18
that misc is way too low and child care way too high.
carnelian school cafeteria generalized bond
  01/14/18
That childcare cost is common in DC; it's insane.
thriller bat-shit-crazy market degenerate
  01/14/18
Nah, $2k/mo is normal in any major metro. It works out to l...
beady-eyed hairless liquid oxygen
  01/15/18
More like $2,800-$3k in NYC for full-time care.
insecure hateful mad-dog skullcap
  03/08/18
Just scraping by contributing max to 401k and paying off 3k ...
Soul-stirring Cordovan Tanning Salon Boiling Water
  01/14/18
If a kid goes to 2 or 3 lessons a week, that's 5k. If you ha...
Talented depressive
  01/14/18
also lolled at $8k a year on vacations
laughsome pistol
  01/14/18
Also 4800 in gas. Are they fucking truck drivers or somethin...
Soul-stirring Cordovan Tanning Salon Boiling Water
  01/14/18
...
heady flatulent immigrant pisswyrm
  01/15/18
Both have long commutes in SUVs
tantric gaping
  01/15/18
Yet somehow still manage to pay an absurd mortgage even thou...
Odious Harsh Pit
  01/15/18
Yeah, McMansions don’t pay for themselves
tantric gaping
  01/15/18
the whole point of living far out (at least in the coastal c...
Odious Harsh Pit
  01/15/18
To you. To them it’s about getting a giant fucking house.
tantric gaping
  01/15/18
thats actually reasonable. i have a 17-mile one-way commute ...
Ivory frozen gas station hunting ground
  01/15/18
40 miles a day, 25 mpg, $2.50 gas, 6 days a week, is $24 per...
abusive azn toaster
  01/19/18
If his fill up costs 50 bucks, he’s probably not driving a c...
tantric gaping
  01/19/18
gas = booger sugar
canary boyish locus death wish
  01/19/18
I spend that on one vacation a year.
Ruby submissive selfie
  01/15/18
...
erotic university haunted graveyard
  01/15/18
(not my wife)
Galvanic Cyan Feces
  01/15/18
that one actually seems reasonable to me. if we assume 4 ...
vermilion native
  01/15/18
Yeah who doesn't have 4 weeks off for luxury vacations?
Odious Harsh Pit
  01/15/18
...
flushed legend
  01/15/18
for a family, thats actually reasonable
180 sienna hospital genital piercing
  01/15/18
...
cobalt macaca lettuce
  01/15/18
...
180 sienna hospital genital piercing
  01/15/18
spin, ratfucks
obsidian goal in life
  01/15/18
kikes definitely made this "chart"
Well-lubricated bonkers legal warrant piazza
  01/14/18
kikes do not spend like this. these are 100% goys.
heady flatulent immigrant pisswyrm
  01/15/18
Twist: you are both right. Kikes made this chart for goys
tantric gaping
  01/15/18
...
Razzmatazz Insane Dysfunction
  01/15/18
yeah thought that was my obvious meaning
Well-lubricated bonkers legal warrant piazza
  01/15/18
...
Dead Vigorous Marketing Idea
  01/15/18
...
heady flatulent immigrant pisswyrm
  01/15/18
...
beady-eyed hairless liquid oxygen
  01/15/18
...
mauve appetizing affirmative action
  03/08/18
...
beady-eyed hairless liquid oxygen
  01/15/18
Missed the more obvious way to make 200k and only get by: Ha...
thriller bat-shit-crazy market degenerate
  01/15/18
great troll job making me mad as fuck
Marvelous Mood
  01/15/18
...
180 sienna hospital genital piercing
  01/15/18
Maxing retirement savings Taking two oppulent vacations a y...
bistre histrionic location prole
  01/15/18
LOL @ "opulent" 2 vacations for a family of 4 tota...
Drunken Factory Reset Button
  01/15/18
You should write an article about it lmao
Contagious Hominid Stage
  01/15/18
...
doobsian church
  01/15/18
Underrated
beady-eyed hairless liquid oxygen
  01/15/18
This is a solidly UMC life for 140k + 60k incomes. Don't see...
Naked charismatic parlour
  01/15/18
significant savings, discretionary spending, and a good life...
big center
  01/15/18
they are not 'just getting by'. they are living lavishly, co...
180 sienna hospital genital piercing
  01/15/18
agreed. could delay having kids, could cut the lessons if a...
vermilion native
  01/15/18
TBF, if both are working they can’t afford to max both IRAs.
beady-eyed hairless liquid oxygen
  01/15/18
Is that 30% rate all inclusive or just Federal? If just Fed...
vermilion native
  01/15/18
Why would it not be all inclusive? Do u see state, payroll, ...
Galvanic Cyan Feces
  01/15/18
I don't see state, but I've never seen "federal + state...
vermilion native
  01/15/18
Yeah that’s not the normal usage of that term but whatever. ...
Galvanic Cyan Feces
  01/15/18
And why does it list donations to charity coming out of post...
bronze mad cow disease skinny woman
  01/15/18
It’s not a top line deduction so it’s not that simple. Also...
exciting jet antidepressant drug bawdyhouse
  01/15/18
$3,000 in consumer debt? No one with a college degree should...
transparent striped hyena
  01/15/18
$6000 on car payments?
hairraiser stead
  01/15/18
Yeah, seems low
tantric gaping
  01/15/18
And how the hell would they be spending $400 a month on fuel...
Sapphire violent forum private investor
  01/19/18
My wife and I make over 400k (like 480k with full bonus) and...
Smoky ceo
  01/15/18
LMAO pepper angus, bro
tantric gaping
  01/15/18
Ya man. I’m definitely a biglaw slave now.
Smoky ceo
  01/15/18
(profligate guy with no budget)
bistre histrionic location prole
  01/15/18
The draw of home ownership is what’s doing this to me. I cou...
Smoky ceo
  01/15/18
400k is about 22k a month after taxes. A 30 year mortagag...
bistre histrionic location prole
  01/15/18
I pay 5500 for property taxes, homeowners insurance, and mor...
Smoky ceo
  01/15/18
with maxed 401ks, a 45% federal, state, and local effective ...
bistre histrionic location prole
  01/15/18
You're leaking a lot of money somewhere. Get a fuckin budget...
Galvanic Cyan Feces
  01/15/18
You’re right. Also some of this is hard to analyze because w...
Smoky ceo
  01/15/18
Protup: she's giving an allowance to Darnell You're budge...
Odious Harsh Pit
  01/19/18
CR is to not have kids
Stimulating chapel ratface
  01/15/18
(Shlomo Kikesteinberg)
floppy theatre
  01/15/18
thats what i make and i can tell you mortgage is way too hig...
Ivory frozen gas station hunting ground
  01/15/18
lol why the fuck does someone making $200k think they xan af...
Ivory frozen gas station hunting ground
  01/15/18
In dc houses under 700k have bullets flying over them.
Smoky ceo
  01/15/18
then dont work in dc
Ivory frozen gas station hunting ground
  01/15/18
if you're buying a house in DC why are you spending $5000 pe...
Odious Harsh Pit
  01/15/18
...
apoplectic fragrant police squad
  01/15/18
it's a made-up budget by some financial porn site, specifica...
Indigo digit ratio wagecucks
  01/15/18
Who makes 200k and still has a $500 car payment per month
vivacious massive round eye tattoo
  01/15/18
...
cobalt macaca lettuce
  01/15/18
I do. And my HHI is $350k. Lots of much richer people tha...
cracking deep hairy legs
  01/15/18
Most Americans making 200k
tantric gaping
  01/19/18
Forgot the 20k/yr line item for cocaine
Odious Harsh Pit
  01/15/18
(XO 2018)
apoplectic fragrant police squad
  01/15/18
In the cities where it's feasible to get a wagecuck salary o...
floppy theatre
  01/15/18
...
hot excitant lay clown
  01/15/18
Amazing how so many high functioning autistic dweebs with to...
Comical shrine becky
  01/15/18
and then make "prole tell" posts
stubborn aromatic nursing home
  01/15/18
i hate people who act like their 401k doesnt count as money
Poppy Background Story Theater
  01/15/18
they gutted social security and took away pensions, yeah, fu...
hot excitant lay clown
  01/15/18
Protip: in 30 years after the social security fund is fully ...
Odious Harsh Pit
  01/19/18
I don't have kids and I made $200k when I was 25 with $0 loa...
amethyst misanthropic point
  01/15/18
I assume someone making so little qualifies for public assis...
exciting jet antidepressant drug bawdyhouse
  01/15/18
How does he afford crippling alcoholism?
beady-eyed hairless liquid oxygen
  01/15/18
"consumer debt" lmao
stubborn aromatic nursing home
  01/15/18
why didn't they just buy crypto?
stubborn aromatic nursing home
  01/15/18
they didnt want to be -200k in the hole
pea-brained lemon range pozpig
  01/17/18
?
exciting jet antidepressant drug bawdyhouse
  01/19/18
?
Racy sadistic business firm trump supporter
  01/19/18
Ljl at 5k for "children's lessons"
Orchid Public Bath Brethren
  01/17/18
"Children's lessons" gives it away that this list ...
Razzle-dazzle copper ladyboy foreskin
  01/19/18
We deal with it by asking, “Where does it all go?” and retu...
chrome mind-boggling sanctuary patrolman
  01/19/18
"I'm barely getting by!" she screeched as she chec...
transparent striped hyena
  01/19/18
*his ballet lesson
pea-brained lemon range pozpig
  01/19/18
$1000 for food for a family of four is low. Basically 100% ...
Spruce telephone
  01/19/18
Agree, if you make 200k you're gonna eat out with the family...
ebony curious step-uncle's house
  03/08/18
Their main issue is that nobody making $200k should be buyin...
sticky glittery plaza gunner
  01/19/18
found it! https://www.financialsamurai.com/how-to-make-si...
silver filthpig
  03/08/18
lol they actually forgot healthcare insurance
Bull headed tan voyeur
  03/08/18


Poast new message in this thread



Reply Favorite

Date: January 14th, 2018 11:51 PM
Author: pea-brained lemon range pozpig

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: Supple Yapping School Roommate

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: beady-eyed hairless liquid oxygen

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: carnelian school cafeteria generalized bond

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: thriller bat-shit-crazy market degenerate

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: beady-eyed hairless liquid oxygen

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: insecure hateful mad-dog skullcap

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: Soul-stirring Cordovan Tanning Salon Boiling Water

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: Talented depressive

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: laughsome pistol

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: Soul-stirring Cordovan Tanning Salon Boiling Water

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: heady flatulent immigrant pisswyrm



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



Reply Favorite

Date: January 15th, 2018 8:13 AM
Author: tantric gaping

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: Odious Harsh Pit

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: tantric gaping

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: Odious Harsh Pit

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: tantric gaping

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: Ivory frozen gas station hunting ground

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: abusive azn toaster

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: tantric gaping

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: canary boyish locus death wish

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: Ruby submissive selfie

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: erotic university haunted graveyard



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



Reply Favorite

Date: January 15th, 2018 1:48 AM
Author: Galvanic Cyan Feces

(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: vermilion native

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: Odious Harsh Pit

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: flushed legend



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



Reply Favorite

Date: January 15th, 2018 2:15 AM
Author: 180 sienna hospital genital piercing

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: cobalt macaca lettuce



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



Reply Favorite

Date: January 15th, 2018 2:04 AM
Author: 180 sienna hospital genital piercing



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



Reply Favorite

Date: January 15th, 2018 2:06 AM
Author: obsidian goal in life

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: Well-lubricated bonkers legal warrant piazza

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: heady flatulent immigrant pisswyrm

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: tantric gaping

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: Razzmatazz Insane Dysfunction



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



Reply Favorite

Date: January 15th, 2018 9:51 AM
Author: Well-lubricated bonkers legal warrant piazza

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: Dead Vigorous Marketing Idea



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



Reply Favorite

Date: January 15th, 2018 4:21 PM
Author: heady flatulent immigrant pisswyrm



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



Reply Favorite

Date: January 15th, 2018 7:31 PM
Author: beady-eyed hairless liquid oxygen



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



Reply Favorite

Date: March 8th, 2018 3:15 PM
Author: mauve appetizing affirmative action



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



Reply Favorite

Date: January 15th, 2018 7:31 PM
Author: beady-eyed hairless liquid oxygen



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



Reply Favorite

Date: January 15th, 2018 12:01 AM
Author: thriller bat-shit-crazy market degenerate

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: Marvelous Mood

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: 180 sienna hospital genital piercing



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



Reply Favorite

Date: January 15th, 2018 12:08 AM
Author: bistre histrionic location prole

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: Drunken Factory Reset Button

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: Contagious Hominid Stage

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: doobsian church



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



Reply Favorite

Date: January 15th, 2018 7:32 PM
Author: beady-eyed hairless liquid oxygen

Underrated

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



Reply Favorite

Date: January 15th, 2018 1:42 AM
Author: Naked charismatic parlour

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: big center

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: 180 sienna hospital genital piercing

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: vermilion native

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: beady-eyed hairless liquid oxygen

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: vermilion native

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)



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Date: January 15th, 2018 2:09 AM
Author: Galvanic Cyan Feces

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)



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Date: January 15th, 2018 2:12 AM
Author: vermilion native

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)



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Date: January 15th, 2018 2:17 AM
Author: Galvanic Cyan Feces

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)



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Date: January 15th, 2018 3:57 PM
Author: bronze mad cow disease skinny woman

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)



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Date: January 15th, 2018 8:58 PM
Author: exciting jet antidepressant drug bawdyhouse

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)



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Date: January 15th, 2018 7:52 AM
Author: transparent striped hyena

$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)



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Date: January 15th, 2018 7:57 AM
Author: hairraiser stead

$6000 on car payments?

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



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Date: January 15th, 2018 8:12 AM
Author: tantric gaping

Yeah, seems low

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



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Date: January 19th, 2018 10:57 AM
Author: Sapphire violent forum private investor

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)



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Date: January 15th, 2018 8:14 AM
Author: Smoky ceo

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)



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Date: January 15th, 2018 8:15 AM
Author: tantric gaping

LMAO

pepper angus, bro

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



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Date: January 15th, 2018 8:17 AM
Author: Smoky ceo

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

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



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Date: January 15th, 2018 8:35 AM
Author: bistre histrionic location prole

(profligate guy with no budget)

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



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Date: January 15th, 2018 8:50 AM
Author: Smoky ceo

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)



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Date: January 15th, 2018 8:55 AM
Author: bistre histrionic location prole

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)



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Date: January 15th, 2018 9:03 AM
Author: Smoky ceo

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)



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Date: January 15th, 2018 9:14 AM
Author: bistre histrionic location prole

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)



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Date: January 15th, 2018 10:07 AM
Author: Galvanic Cyan Feces

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)



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Date: January 15th, 2018 10:30 AM
Author: Smoky ceo

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)



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Date: January 19th, 2018 12:06 PM
Author: Odious Harsh Pit

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)



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Date: January 15th, 2018 8:15 AM
Author: Stimulating chapel ratface

CR is to not have kids

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



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Date: January 15th, 2018 11:14 AM
Author: floppy theatre

(Shlomo Kikesteinberg)

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



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Date: January 15th, 2018 8:18 AM
Author: Ivory frozen gas station hunting ground

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)



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Date: January 15th, 2018 8:25 AM
Author: Ivory frozen gas station hunting ground

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)



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Date: January 15th, 2018 8:31 AM
Author: Smoky ceo

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

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



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Date: January 15th, 2018 8:34 AM
Author: Ivory frozen gas station hunting ground

then dont work in dc

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



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Date: January 15th, 2018 10:20 AM
Author: Odious Harsh Pit

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)



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Date: January 15th, 2018 10:31 AM
Author: apoplectic fragrant police squad



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



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Date: January 15th, 2018 8:37 AM
Author: Indigo digit ratio wagecucks

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)



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Date: January 15th, 2018 8:31 AM
Author: vivacious massive round eye tattoo

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)



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Date: January 15th, 2018 8:41 AM
Author: cobalt macaca lettuce



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



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Date: January 15th, 2018 10:39 AM
Author: cracking deep hairy legs

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)



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Date: January 19th, 2018 11:57 AM
Author: tantric gaping

Most Americans making 200k

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



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Date: January 15th, 2018 9:13 AM
Author: Odious Harsh Pit

Forgot the 20k/yr line item for cocaine

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



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Date: January 15th, 2018 10:30 AM
Author: apoplectic fragrant police squad

(XO 2018)

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



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Date: January 15th, 2018 11:19 AM
Author: floppy theatre

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)



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Date: January 15th, 2018 3:26 PM
Author: hot excitant lay clown



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



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Date: January 15th, 2018 11:22 AM
Author: Comical shrine becky

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)



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Date: January 15th, 2018 7:53 PM
Author: stubborn aromatic nursing home

and then make "prole tell" posts

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



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Date: January 15th, 2018 3:26 PM
Author: Poppy Background Story Theater

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)



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Date: January 15th, 2018 3:27 PM
Author: hot excitant lay clown

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)



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Date: January 19th, 2018 12:01 PM
Author: Odious Harsh Pit

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)



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Date: January 15th, 2018 3:46 PM
Author: amethyst misanthropic point

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)



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Date: January 15th, 2018 7:05 PM
Author: exciting jet antidepressant drug bawdyhouse

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

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



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Date: January 15th, 2018 7:33 PM
Author: beady-eyed hairless liquid oxygen

How does he afford crippling alcoholism?

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



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Date: January 15th, 2018 7:51 PM
Author: stubborn aromatic nursing home

"consumer debt" lmao

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



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Date: January 15th, 2018 7:54 PM
Author: stubborn aromatic nursing home

why didn't they just buy crypto?

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



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Date: January 17th, 2018 11:12 AM
Author: pea-brained lemon range pozpig

they didnt want to be -200k in the hole

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



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Date: January 19th, 2018 10:46 AM
Author: exciting jet antidepressant drug bawdyhouse

?

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



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Date: January 19th, 2018 10:49 AM
Author: Racy sadistic business firm trump supporter

?

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



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Date: January 17th, 2018 11:15 AM
Author: Orchid Public Bath Brethren

Ljl at 5k for "children's lessons"

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



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Date: January 19th, 2018 10:54 AM
Author: Razzle-dazzle copper ladyboy foreskin

"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)



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Date: January 19th, 2018 11:05 AM
Author: chrome mind-boggling sanctuary patrolman

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)



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Date: January 19th, 2018 11:43 AM
Author: transparent striped hyena

"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)



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Date: January 19th, 2018 12:20 PM
Author: pea-brained lemon range pozpig

*his ballet lesson

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



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Date: January 19th, 2018 12:16 PM
Author: Spruce telephone

$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)



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Date: March 8th, 2018 3:23 PM
Author: ebony curious step-uncle's house

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)



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Date: January 19th, 2018 12:23 PM
Author: sticky glittery plaza gunner

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)



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Date: March 8th, 2018 3:12 PM
Author: silver filthpig

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)



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Date: March 8th, 2018 3:17 PM
Author: Bull headed tan voyeur

lol they actually forgot healthcare insurance

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