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

https://qph.ec.quoracdn.net/main-qimg-a6249a6a24542e93745985...
Arrogant silver round eye
  01/14/18
Problem: children
trip theatre mental disorder
  01/14/18
This is like the perfect chart for an XO 100-post thread.
charcoal abnormal gaping
  01/15/18
that misc is way too low and child care way too high.
Poppy parlour
  01/14/18
That childcare cost is common in DC; it's insane.
bronze razzle-dazzle really tough guy reading party
  01/14/18
Nah, $2k/mo is normal in any major metro. It works out to l...
charcoal abnormal gaping
  01/15/18
More like $2,800-$3k in NYC for full-time care.
Vibrant fantasy-prone station feces
  03/08/18
Just scraping by contributing max to 401k and paying off 3k ...
stirring avocado half-breed foreskin
  01/14/18
If a kid goes to 2 or 3 lessons a week, that's 5k. If you ha...
Disturbing mustard hell voyeur
  01/14/18
also lolled at $8k a year on vacations
Idiotic Vigorous French Chef
  01/14/18
Also 4800 in gas. Are they fucking truck drivers or somethin...
stirring avocado half-breed foreskin
  01/14/18
...
red flirting jap whorehouse
  01/15/18
Both have long commutes in SUVs
cruel-hearted galvanic boltzmann resort
  01/15/18
Yet somehow still manage to pay an absurd mortgage even thou...
Puce Godawful Trust Fund
  01/15/18
Yeah, McMansions don’t pay for themselves
cruel-hearted galvanic boltzmann resort
  01/15/18
the whole point of living far out (at least in the coastal c...
Puce Godawful Trust Fund
  01/15/18
To you. To them it’s about getting a giant fucking house.
cruel-hearted galvanic boltzmann resort
  01/15/18
thats actually reasonable. i have a 17-mile one-way commute ...
Multi-colored filthpig
  01/15/18
40 miles a day, 25 mpg, $2.50 gas, 6 days a week, is $24 per...
sapphire principal's office
  01/19/18
If his fill up costs 50 bucks, he’s probably not driving a c...
cruel-hearted galvanic boltzmann resort
  01/19/18
gas = booger sugar
Lascivious salmon windowlicker stock car
  01/19/18
I spend that on one vacation a year.
soul-stirring travel guidebook
  01/15/18
...
lemon gay wizard ceo
  01/15/18
(not my wife)
Ruby stage
  01/15/18
that one actually seems reasonable to me. if we assume 4 ...
Mint Water Buffalo
  01/15/18
Yeah who doesn't have 4 weeks off for luxury vacations?
Puce Godawful Trust Fund
  01/15/18
...
Vermilion Mad-dog Skullcap
  01/15/18
for a family, thats actually reasonable
filthy tattoo gaming laptop
  01/15/18
...
out-of-control business firm philosopher-king
  01/15/18
...
filthy tattoo gaming laptop
  01/15/18
spin, ratfucks
Slate affirmative action indian lodge
  01/15/18
kikes definitely made this "chart"
exhilarant jet-lagged pisswyrm
  01/14/18
kikes do not spend like this. these are 100% goys.
red flirting jap whorehouse
  01/15/18
Twist: you are both right. Kikes made this chart for goys
cruel-hearted galvanic boltzmann resort
  01/15/18
...
walnut sweet tailpipe rehab
  01/15/18
yeah thought that was my obvious meaning
exhilarant jet-lagged pisswyrm
  01/15/18
...
bisexual boyish ratface property
  01/15/18
...
red flirting jap whorehouse
  01/15/18
...
charcoal abnormal gaping
  01/15/18
...
titillating pontificating goal in life
  03/08/18
...
charcoal abnormal gaping
  01/15/18
Missed the more obvious way to make 200k and only get by: Ha...
bronze razzle-dazzle really tough guy reading party
  01/15/18
great troll job making me mad as fuck
Beady-eyed clear lettuce
  01/15/18
...
filthy tattoo gaming laptop
  01/15/18
Maxing retirement savings Taking two oppulent vacations a y...
big hall
  01/15/18
LOL @ "opulent" 2 vacations for a family of 4 tota...
Diverse Kink-friendly Black Woman Ape
  01/15/18
You should write an article about it lmao
vivacious potus sanctuary
  01/15/18
...
Magenta Senate Skinny Woman
  01/15/18
Underrated
charcoal abnormal gaping
  01/15/18
This is a solidly UMC life for 140k + 60k incomes. Don't see...
stubborn piazza regret
  01/15/18
significant savings, discretionary spending, and a good life...
Ivory provocative kitchen party of the first part
  01/15/18
they are not 'just getting by'. they are living lavishly, co...
filthy tattoo gaming laptop
  01/15/18
agreed. could delay having kids, could cut the lessons if a...
Mint Water Buffalo
  01/15/18
TBF, if both are working they can’t afford to max both IRAs.
charcoal abnormal gaping
  01/15/18
Is that 30% rate all inclusive or just Federal? If just Fed...
Mint Water Buffalo
  01/15/18
Why would it not be all inclusive? Do u see state, payroll, ...
Ruby stage
  01/15/18
I don't see state, but I've never seen "federal + state...
Mint Water Buffalo
  01/15/18
Yeah that’s not the normal usage of that term but whatever. ...
Ruby stage
  01/15/18
And why does it list donations to charity coming out of post...
stimulating navy faggot firefighter organic girlfriend
  01/15/18
It’s not a top line deduction so it’s not that simple. Also...
Territorial market wrinkle
  01/15/18
$3,000 in consumer debt? No one with a college degree should...
chartreuse charismatic karate sandwich
  01/15/18
$6000 on car payments?
wonderful low-t fortuitous meteor volcanic crater
  01/15/18
Yeah, seems low
cruel-hearted galvanic boltzmann resort
  01/15/18
And how the hell would they be spending $400 a month on fuel...
effete peach fanboi national
  01/19/18
My wife and I make over 400k (like 480k with full bonus) and...
claret fragrant forum mood
  01/15/18
LMAO pepper angus, bro
cruel-hearted galvanic boltzmann resort
  01/15/18
Ya man. I’m definitely a biglaw slave now.
claret fragrant forum mood
  01/15/18
(profligate guy with no budget)
big hall
  01/15/18
The draw of home ownership is what’s doing this to me. I cou...
claret fragrant forum mood
  01/15/18
400k is about 22k a month after taxes. A 30 year mortagag...
big hall
  01/15/18
I pay 5500 for property taxes, homeowners insurance, and mor...
claret fragrant forum mood
  01/15/18
with maxed 401ks, a 45% federal, state, and local effective ...
big hall
  01/15/18
You're leaking a lot of money somewhere. Get a fuckin budget...
Ruby stage
  01/15/18
You’re right. Also some of this is hard to analyze because w...
claret fragrant forum mood
  01/15/18
Protup: she's giving an allowance to Darnell You're budge...
Puce Godawful Trust Fund
  01/19/18
CR is to not have kids
French unholy church
  01/15/18
(Shlomo Kikesteinberg)
sadistic indirect expression knife
  01/15/18
thats what i make and i can tell you mortgage is way too hig...
Multi-colored filthpig
  01/15/18
lol why the fuck does someone making $200k think they xan af...
Multi-colored filthpig
  01/15/18
In dc houses under 700k have bullets flying over them.
claret fragrant forum mood
  01/15/18
then dont work in dc
Multi-colored filthpig
  01/15/18
if you're buying a house in DC why are you spending $5000 pe...
Puce Godawful Trust Fund
  01/15/18
...
mind-boggling address partner
  01/15/18
it's a made-up budget by some financial porn site, specifica...
aromatic immigrant laser beams
  01/15/18
Who makes 200k and still has a $500 car payment per month
Bipolar Location Toilet Seat
  01/15/18
...
out-of-control business firm philosopher-king
  01/15/18
I do. And my HHI is $350k. Lots of much richer people tha...
Azure useless brethren
  01/15/18
Most Americans making 200k
cruel-hearted galvanic boltzmann resort
  01/19/18
Forgot the 20k/yr line item for cocaine
Puce Godawful Trust Fund
  01/15/18
(XO 2018)
mind-boggling address partner
  01/15/18
In the cities where it's feasible to get a wagecuck salary o...
sadistic indirect expression knife
  01/15/18
...
Laughsome internet-worthy new version pervert
  01/15/18
Amazing how so many high functioning autistic dweebs with to...
passionate preventive strike
  01/15/18
and then make "prole tell" posts
dun site
  01/15/18
i hate people who act like their 401k doesnt count as money
dashing athletic conference point
  01/15/18
they gutted social security and took away pensions, yeah, fu...
Laughsome internet-worthy new version pervert
  01/15/18
Protip: in 30 years after the social security fund is fully ...
Puce Godawful Trust Fund
  01/19/18
I don't have kids and I made $200k when I was 25 with $0 loa...
Seedy Chest-beating Candlestick Maker Trailer Park
  01/15/18
I assume someone making so little qualifies for public assis...
Territorial market wrinkle
  01/15/18
How does he afford crippling alcoholism?
charcoal abnormal gaping
  01/15/18
"consumer debt" lmao
dun site
  01/15/18
why didn't they just buy crypto?
dun site
  01/15/18
they didnt want to be -200k in the hole
Arrogant silver round eye
  01/17/18
?
Territorial market wrinkle
  01/19/18
?
Shivering 180 crackhouse
  01/19/18
Ljl at 5k for "children's lessons"
Spruce Telephone
  01/17/18
"Children's lessons" gives it away that this list ...
twisted razzmatazz university
  01/19/18
We deal with it by asking, “Where does it all go?” and retu...
Cordovan Garrison
  01/19/18
"I'm barely getting by!" she screeched as she chec...
chartreuse charismatic karate sandwich
  01/19/18
*his ballet lesson
Arrogant silver round eye
  01/19/18
$1000 for food for a family of four is low. Basically 100% ...
mentally impaired institution
  01/19/18
Agree, if you make 200k you're gonna eat out with the family...
primrose cuck shrine
  03/08/18
Their main issue is that nobody making $200k should be buyin...
Appetizing incel
  01/19/18
found it! https://www.financialsamurai.com/how-to-make-si...
Coral pea-brained stead death wish
  03/08/18
lol they actually forgot healthcare insurance
carmine pit pozpig
  03/08/18


Poast new message in this thread



Reply Favorite

Date: January 14th, 2018 11:51 PM
Author: Arrogant silver round eye

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: trip theatre mental disorder

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: charcoal abnormal gaping

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: Poppy parlour

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: bronze razzle-dazzle really tough guy reading party

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: charcoal abnormal gaping

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: Vibrant fantasy-prone station feces

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: stirring avocado half-breed foreskin

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: Disturbing mustard hell voyeur

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: Idiotic Vigorous French Chef

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: stirring avocado half-breed foreskin

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: red flirting jap whorehouse



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



Reply Favorite

Date: January 15th, 2018 8:13 AM
Author: cruel-hearted galvanic boltzmann resort

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: Puce Godawful Trust Fund

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: cruel-hearted galvanic boltzmann resort

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: Puce Godawful Trust Fund

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: cruel-hearted galvanic boltzmann resort

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: Multi-colored filthpig

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: sapphire principal's office

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: cruel-hearted galvanic boltzmann resort

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: Lascivious salmon windowlicker stock car

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: soul-stirring travel guidebook

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: lemon gay wizard ceo



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



Reply Favorite

Date: January 15th, 2018 1:48 AM
Author: Ruby stage

(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: Mint Water Buffalo

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: Puce Godawful Trust Fund

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: Vermilion Mad-dog Skullcap



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



Reply Favorite

Date: January 15th, 2018 2:15 AM
Author: filthy tattoo gaming laptop

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: out-of-control business firm philosopher-king



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



Reply Favorite

Date: January 15th, 2018 2:04 AM
Author: filthy tattoo gaming laptop



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



Reply Favorite

Date: January 15th, 2018 2:06 AM
Author: Slate affirmative action indian lodge

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: exhilarant jet-lagged pisswyrm

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: red flirting jap whorehouse

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: cruel-hearted galvanic boltzmann resort

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: walnut sweet tailpipe rehab



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



Reply Favorite

Date: January 15th, 2018 9:51 AM
Author: exhilarant jet-lagged pisswyrm

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: bisexual boyish ratface property



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



Reply Favorite

Date: January 15th, 2018 4:21 PM
Author: red flirting jap whorehouse



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



Reply Favorite

Date: January 15th, 2018 7:31 PM
Author: charcoal abnormal gaping



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



Reply Favorite

Date: March 8th, 2018 3:15 PM
Author: titillating pontificating goal in life



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



Reply Favorite

Date: January 15th, 2018 7:31 PM
Author: charcoal abnormal gaping



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



Reply Favorite

Date: January 15th, 2018 12:01 AM
Author: bronze razzle-dazzle really tough guy reading party

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: Beady-eyed clear lettuce

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: filthy tattoo gaming laptop



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



Reply Favorite

Date: January 15th, 2018 12:08 AM
Author: big hall

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: Diverse Kink-friendly Black Woman Ape

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: vivacious potus sanctuary

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: Magenta Senate Skinny Woman



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



Reply Favorite

Date: January 15th, 2018 7:32 PM
Author: charcoal abnormal gaping

Underrated

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



Reply Favorite

Date: January 15th, 2018 1:42 AM
Author: stubborn piazza regret

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: Ivory provocative kitchen party of the first part

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: filthy tattoo gaming laptop

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: Mint Water Buffalo

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: charcoal abnormal gaping

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: Mint Water Buffalo

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: Ruby stage

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: Mint Water Buffalo

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: Ruby stage

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: stimulating navy faggot firefighter organic girlfriend

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: Territorial market wrinkle

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: chartreuse charismatic karate sandwich

$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: wonderful low-t fortuitous meteor volcanic crater

$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: cruel-hearted galvanic boltzmann resort

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: effete peach fanboi national

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: claret fragrant forum mood

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: cruel-hearted galvanic boltzmann resort

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: claret fragrant forum mood

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: big hall

(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: claret fragrant forum mood

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: big hall

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: claret fragrant forum mood

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: big hall

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: Ruby stage

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: claret fragrant forum mood

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: Puce Godawful Trust Fund

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: French unholy church

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: sadistic indirect expression knife

(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: Multi-colored filthpig

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: Multi-colored filthpig

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: claret fragrant forum mood

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: Multi-colored filthpig

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: Puce Godawful Trust Fund

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: mind-boggling address partner



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



Reply Favorite

Date: January 15th, 2018 8:37 AM
Author: aromatic immigrant laser beams

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: Bipolar Location Toilet Seat

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: out-of-control business firm philosopher-king



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



Reply Favorite

Date: January 15th, 2018 10:39 AM
Author: Azure useless brethren

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: cruel-hearted galvanic boltzmann resort

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: Puce Godawful Trust Fund

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: mind-boggling address partner

(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: sadistic indirect expression knife

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: Laughsome internet-worthy new version pervert



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



Reply Favorite

Date: January 15th, 2018 11:22 AM
Author: passionate preventive strike

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: dun site

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: dashing athletic conference point

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: Laughsome internet-worthy new version pervert

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: Puce Godawful Trust Fund

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: Seedy Chest-beating Candlestick Maker Trailer Park

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: Territorial market wrinkle

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: charcoal abnormal gaping

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: dun site

"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: dun site

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: Arrogant silver round eye

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: Territorial market wrinkle

?

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



Reply Favorite

Date: January 19th, 2018 10:49 AM
Author: Shivering 180 crackhouse

?

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



Reply Favorite

Date: January 17th, 2018 11:15 AM
Author: Spruce Telephone

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: twisted razzmatazz university

"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: Cordovan Garrison

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: chartreuse charismatic karate sandwich

"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: Arrogant silver round eye

*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: mentally impaired institution

$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: primrose cuck shrine

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: Appetizing incel

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: Coral pea-brained stead death wish

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: carmine pit pozpig

lol they actually forgot healthcare insurance

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