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

https://qph.ec.quoracdn.net/main-qimg-a6249a6a24542e93745985...
disgusting alcoholic potus
  01/14/18
Problem: children
Bateful grizzly station
  01/14/18
This is like the perfect chart for an XO 100-post thread.
Aphrodisiac French Chef Sanctuary
  01/15/18
that misc is way too low and child care way too high.
opaque overrated church
  01/14/18
That childcare cost is common in DC; it's insane.
stubborn travel guidebook messiness
  01/14/18
Nah, $2k/mo is normal in any major metro. It works out to l...
Aphrodisiac French Chef Sanctuary
  01/15/18
More like $2,800-$3k in NYC for full-time care.
180 medicated death wish
  03/08/18
Just scraping by contributing max to 401k and paying off 3k ...
Lake Aggressive School Cafeteria Electric Furnace
  01/14/18
If a kid goes to 2 or 3 lessons a week, that's 5k. If you ha...
Heady selfie
  01/14/18
also lolled at $8k a year on vacations
Cerebral locus puppy
  01/14/18
Also 4800 in gas. Are they fucking truck drivers or somethin...
Lake Aggressive School Cafeteria Electric Furnace
  01/14/18
...
motley sadistic shrine
  01/15/18
Both have long commutes in SUVs
Talented up-to-no-good address jap
  01/15/18
Yet somehow still manage to pay an absurd mortgage even thou...
Learning disabled stage boistinker
  01/15/18
Yeah, McMansions don’t pay for themselves
Talented up-to-no-good address jap
  01/15/18
the whole point of living far out (at least in the coastal c...
Learning disabled stage boistinker
  01/15/18
To you. To them it’s about getting a giant fucking house.
Talented up-to-no-good address jap
  01/15/18
thats actually reasonable. i have a 17-mile one-way commute ...
beady-eyed psychic sneaky criminal
  01/15/18
40 miles a day, 25 mpg, $2.50 gas, 6 days a week, is $24 per...
impressive knife
  01/19/18
If his fill up costs 50 bucks, he’s probably not driving a c...
Talented up-to-no-good address jap
  01/19/18
gas = booger sugar
exhilarant deep dilemma
  01/19/18
I spend that on one vacation a year.
crystalline deranged faggot firefighter menage
  01/15/18
...
Vibrant theater stage mediation
  01/15/18
(not my wife)
diverse mauve range
  01/15/18
that one actually seems reasonable to me. if we assume 4 ...
Electric emerald garrison legal warrant
  01/15/18
Yeah who doesn't have 4 weeks off for luxury vacations?
Learning disabled stage boistinker
  01/15/18
...
Dead hairy legs
  01/15/18
for a family, thats actually reasonable
Khaki Exciting Jew School
  01/15/18
...
histrionic insane hospital international law enforcement agency
  01/15/18
...
Khaki Exciting Jew School
  01/15/18
spin, ratfucks
Floppy point
  01/15/18
kikes definitely made this "chart"
Dashing rusted azn stag film
  01/14/18
kikes do not spend like this. these are 100% goys.
motley sadistic shrine
  01/15/18
Twist: you are both right. Kikes made this chart for goys
Talented up-to-no-good address jap
  01/15/18
...
Well-lubricated internet-worthy university
  01/15/18
yeah thought that was my obvious meaning
Dashing rusted azn stag film
  01/15/18
...
citrine infuriating theater
  01/15/18
...
motley sadistic shrine
  01/15/18
...
Aphrodisiac French Chef Sanctuary
  01/15/18
...
Brilliant vivacious private investor
  03/08/18
...
Aphrodisiac French Chef Sanctuary
  01/15/18
Missed the more obvious way to make 200k and only get by: Ha...
stubborn travel guidebook messiness
  01/15/18
great troll job making me mad as fuck
Plum locale fat ankles
  01/15/18
...
Khaki Exciting Jew School
  01/15/18
Maxing retirement savings Taking two oppulent vacations a y...
sticky green organic girlfriend idiot
  01/15/18
LOL @ "opulent" 2 vacations for a family of 4 tota...
black casino
  01/15/18
You should write an article about it lmao
Costumed burgundy ticket booth
  01/15/18
...
appetizing blue karate location
  01/15/18
Underrated
Aphrodisiac French Chef Sanctuary
  01/15/18
This is a solidly UMC life for 140k + 60k incomes. Don't see...
excitant son of senegal generalized bond
  01/15/18
significant savings, discretionary spending, and a good life...
Out-of-control filthy kitty cat
  01/15/18
they are not 'just getting by'. they are living lavishly, co...
Khaki Exciting Jew School
  01/15/18
agreed. could delay having kids, could cut the lessons if a...
Electric emerald garrison legal warrant
  01/15/18
TBF, if both are working they can’t afford to max both IRAs.
Aphrodisiac French Chef Sanctuary
  01/15/18
Is that 30% rate all inclusive or just Federal? If just Fed...
Electric emerald garrison legal warrant
  01/15/18
Why would it not be all inclusive? Do u see state, payroll, ...
diverse mauve range
  01/15/18
I don't see state, but I've never seen "federal + state...
Electric emerald garrison legal warrant
  01/15/18
Yeah that’s not the normal usage of that term but whatever. ...
diverse mauve range
  01/15/18
And why does it list donations to charity coming out of post...
galvanic flushed chapel dragon
  01/15/18
It’s not a top line deduction so it’s not that simple. Also...
soul-stirring bonkers center
  01/15/18
$3,000 in consumer debt? No one with a college degree should...
arousing sexy resort trust fund
  01/15/18
$6000 on car payments?
Razzle-dazzle painfully honest native
  01/15/18
Yeah, seems low
Talented up-to-no-good address jap
  01/15/18
And how the hell would they be spending $400 a month on fuel...
unhinged slippery area trump supporter
  01/19/18
My wife and I make over 400k (like 480k with full bonus) and...
shaky hall internal respiration
  01/15/18
LMAO pepper angus, bro
Talented up-to-no-good address jap
  01/15/18
Ya man. I’m definitely a biglaw slave now.
shaky hall internal respiration
  01/15/18
(profligate guy with no budget)
sticky green organic girlfriend idiot
  01/15/18
The draw of home ownership is what’s doing this to me. I cou...
shaky hall internal respiration
  01/15/18
400k is about 22k a month after taxes. A 30 year mortagag...
sticky green organic girlfriend idiot
  01/15/18
I pay 5500 for property taxes, homeowners insurance, and mor...
shaky hall internal respiration
  01/15/18
with maxed 401ks, a 45% federal, state, and local effective ...
sticky green organic girlfriend idiot
  01/15/18
You're leaking a lot of money somewhere. Get a fuckin budget...
diverse mauve range
  01/15/18
You’re right. Also some of this is hard to analyze because w...
shaky hall internal respiration
  01/15/18
Protup: she's giving an allowance to Darnell You're budge...
Learning disabled stage boistinker
  01/19/18
CR is to not have kids
Spectacular outnumbered church building people who are hurt
  01/15/18
(Shlomo Kikesteinberg)
sienna irate toaster yarmulke
  01/15/18
thats what i make and i can tell you mortgage is way too hig...
beady-eyed psychic sneaky criminal
  01/15/18
lol why the fuck does someone making $200k think they xan af...
beady-eyed psychic sneaky criminal
  01/15/18
In dc houses under 700k have bullets flying over them.
shaky hall internal respiration
  01/15/18
then dont work in dc
beady-eyed psychic sneaky criminal
  01/15/18
if you're buying a house in DC why are you spending $5000 pe...
Learning disabled stage boistinker
  01/15/18
...
provocative very tactful blood rage prole
  01/15/18
it's a made-up budget by some financial porn site, specifica...
Wonderful claret pervert
  01/15/18
Who makes 200k and still has a $500 car payment per month
Marvelous Hell
  01/15/18
...
histrionic insane hospital international law enforcement agency
  01/15/18
I do. And my HHI is $350k. Lots of much richer people tha...
Glittery Pit Wrinkle
  01/15/18
Most Americans making 200k
Talented up-to-no-good address jap
  01/19/18
Forgot the 20k/yr line item for cocaine
Learning disabled stage boistinker
  01/15/18
(XO 2018)
provocative very tactful blood rage prole
  01/15/18
In the cities where it's feasible to get a wagecuck salary o...
sienna irate toaster yarmulke
  01/15/18
...
Spruce clown
  01/15/18
Amazing how so many high functioning autistic dweebs with to...
violent temple
  01/15/18
and then make "prole tell" posts
Ebony hairraiser gay wizard preventive strike
  01/15/18
i hate people who act like their 401k doesnt count as money
insanely creepy chest-beating field
  01/15/18
they gutted social security and took away pensions, yeah, fu...
Spruce clown
  01/15/18
Protip: in 30 years after the social security fund is fully ...
Learning disabled stage boistinker
  01/19/18
I don't have kids and I made $200k when I was 25 with $0 loa...
adventurous whorehouse jewess
  01/15/18
I assume someone making so little qualifies for public assis...
soul-stirring bonkers center
  01/15/18
How does he afford crippling alcoholism?
Aphrodisiac French Chef Sanctuary
  01/15/18
"consumer debt" lmao
Ebony hairraiser gay wizard preventive strike
  01/15/18
why didn't they just buy crypto?
Ebony hairraiser gay wizard preventive strike
  01/15/18
they didnt want to be -200k in the hole
disgusting alcoholic potus
  01/17/18
?
soul-stirring bonkers center
  01/19/18
?
Smoky bull headed lodge
  01/19/18
Ljl at 5k for "children's lessons"
Honey-headed vigorous really tough guy
  01/17/18
"Children's lessons" gives it away that this list ...
mewling misunderstood dingle berry
  01/19/18
We deal with it by asking, “Where does it all go?” and retu...
Peach Bisexual Weed Whacker
  01/19/18
"I'm barely getting by!" she screeched as she chec...
arousing sexy resort trust fund
  01/19/18
*his ballet lesson
disgusting alcoholic potus
  01/19/18
$1000 for food for a family of four is low. Basically 100% ...
Cracking Fiercely-loyal Cumskin Partner
  01/19/18
Agree, if you make 200k you're gonna eat out with the family...
doobsian sepia state immigrant
  03/08/18
Their main issue is that nobody making $200k should be buyin...
Rose Stage
  01/19/18
found it! https://www.financialsamurai.com/how-to-make-si...
flickering lay gaming laptop
  03/08/18
lol they actually forgot healthcare insurance
mahogany fantasy-prone codepig
  03/08/18


Poast new message in this thread



Reply Favorite

Date: January 14th, 2018 11:51 PM
Author: disgusting alcoholic potus

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: Bateful grizzly station

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: Aphrodisiac French Chef Sanctuary

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: opaque overrated church

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: stubborn travel guidebook messiness

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: Aphrodisiac French Chef Sanctuary

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: 180 medicated death wish

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: Lake Aggressive School Cafeteria Electric Furnace

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: Heady selfie

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: Cerebral locus puppy

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: Lake Aggressive School Cafeteria Electric Furnace

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: motley sadistic shrine



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



Reply Favorite

Date: January 15th, 2018 8:13 AM
Author: Talented up-to-no-good address jap

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: Learning disabled stage boistinker

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: Talented up-to-no-good address jap

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: Learning disabled stage boistinker

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: Talented up-to-no-good address jap

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: beady-eyed psychic sneaky criminal

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: impressive knife

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: Talented up-to-no-good address jap

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: exhilarant deep dilemma

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: crystalline deranged faggot firefighter menage

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: Vibrant theater stage mediation



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



Reply Favorite

Date: January 15th, 2018 1:48 AM
Author: diverse mauve range

(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: Electric emerald garrison legal warrant

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: Learning disabled stage boistinker

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: Dead hairy legs



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



Reply Favorite

Date: January 15th, 2018 2:15 AM
Author: Khaki Exciting Jew School

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: histrionic insane hospital international law enforcement agency



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



Reply Favorite

Date: January 15th, 2018 2:04 AM
Author: Khaki Exciting Jew School



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



Reply Favorite

Date: January 15th, 2018 2:06 AM
Author: Floppy point

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: Dashing rusted azn stag film

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: motley sadistic shrine

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: Talented up-to-no-good address jap

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: Well-lubricated internet-worthy university



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



Reply Favorite

Date: January 15th, 2018 9:51 AM
Author: Dashing rusted azn stag film

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: citrine infuriating theater



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



Reply Favorite

Date: January 15th, 2018 4:21 PM
Author: motley sadistic shrine



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



Reply Favorite

Date: January 15th, 2018 7:31 PM
Author: Aphrodisiac French Chef Sanctuary



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



Reply Favorite

Date: March 8th, 2018 3:15 PM
Author: Brilliant vivacious private investor



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



Reply Favorite

Date: January 15th, 2018 7:31 PM
Author: Aphrodisiac French Chef Sanctuary



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



Reply Favorite

Date: January 15th, 2018 12:01 AM
Author: stubborn travel guidebook messiness

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: Plum locale fat ankles

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: Khaki Exciting Jew School



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



Reply Favorite

Date: January 15th, 2018 12:08 AM
Author: sticky green organic girlfriend idiot

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: black casino

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: Costumed burgundy ticket booth

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: appetizing blue karate location



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



Reply Favorite

Date: January 15th, 2018 7:32 PM
Author: Aphrodisiac French Chef Sanctuary

Underrated

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



Reply Favorite

Date: January 15th, 2018 1:42 AM
Author: excitant son of senegal generalized bond

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: Out-of-control filthy kitty cat

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: Khaki Exciting Jew School

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: Electric emerald garrison legal warrant

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: Aphrodisiac French Chef Sanctuary

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: Electric emerald garrison legal warrant

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: diverse mauve range

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: Electric emerald garrison legal warrant

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: diverse mauve range

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: galvanic flushed chapel dragon

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: soul-stirring bonkers center

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: arousing sexy resort trust fund

$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: Razzle-dazzle painfully honest native

$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: Talented up-to-no-good address jap

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: unhinged slippery area trump supporter

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: shaky hall internal respiration

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: Talented up-to-no-good address jap

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: shaky hall internal respiration

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: sticky green organic girlfriend idiot

(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: shaky hall internal respiration

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: sticky green organic girlfriend idiot

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: shaky hall internal respiration

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: sticky green organic girlfriend idiot

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: diverse mauve range

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: shaky hall internal respiration

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: Learning disabled stage boistinker

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: Spectacular outnumbered church building people who are hurt

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: sienna irate toaster yarmulke

(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: beady-eyed psychic sneaky criminal

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: beady-eyed psychic sneaky criminal

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: shaky hall internal respiration

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: beady-eyed psychic sneaky criminal

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: Learning disabled stage boistinker

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: provocative very tactful blood rage prole



(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: Wonderful claret pervert

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: Marvelous Hell

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: histrionic insane hospital international law enforcement agency



(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: Glittery Pit Wrinkle

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: Talented up-to-no-good address jap

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: Learning disabled stage boistinker

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: provocative very tactful blood rage prole

(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: sienna irate toaster yarmulke

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: Spruce clown



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



Reply Favorite

Date: January 15th, 2018 11:22 AM
Author: violent temple

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: Ebony hairraiser gay wizard preventive strike

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: insanely creepy chest-beating field

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: Spruce 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)



Reply Favorite

Date: January 19th, 2018 12:01 PM
Author: Learning disabled stage boistinker

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: adventurous whorehouse jewess

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: soul-stirring bonkers center

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: Aphrodisiac French Chef Sanctuary

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: Ebony hairraiser gay wizard preventive strike

"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: Ebony hairraiser gay wizard preventive strike

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: disgusting alcoholic potus

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: soul-stirring bonkers center

?

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



Reply Favorite

Date: January 19th, 2018 10:49 AM
Author: Smoky bull headed lodge

?

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



Reply Favorite

Date: January 17th, 2018 11:15 AM
Author: Honey-headed vigorous really tough guy

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: mewling misunderstood dingle berry

"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: Peach Bisexual Weed Whacker

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: arousing sexy resort trust fund

"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: disgusting alcoholic potus

*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: Cracking Fiercely-loyal Cumskin Partner

$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: doobsian sepia state immigrant

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: Rose Stage

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: flickering lay gaming laptop

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: mahogany fantasy-prone codepig

lol they actually forgot healthcare insurance

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