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Married couple making $1 million/yr able to save $54k/yr (link)

https://www.financialsamurai.com/when-earning-one-million-a-...
Stirring cruel-hearted business firm
  08/16/18
What is a 5 week Staycation?
Copper trip bbw crackhouse
  08/16/18
The five weeks is total vacation time.
Stirring cruel-hearted business firm
  08/16/18
wonder what the husband would get if he filed for divorce lm...
out-of-control big blood rage pit
  08/16/18
holy fuck i wish my property taxes were 0.627% of my home's ...
swollen red dog poop
  08/16/18
NYC property taxes are relatively low because there's a city...
dashing hall foreskin
  08/17/18
And because you own relatively little.
curious lodge
  08/18/18
lol
sick indecent ladyboy round eye
  08/16/18
ljfl
thriller cream temple
  08/16/18
54k excludes 401k, college plan, principal payments on mortg...
passionate costumed station stock car
  08/16/18
Principal payments on mortgage is not "saving." It...
Maize Mentally Impaired Codepig
  08/16/18
The definitional debate isn't all that interesting, but it's...
Tan insanely creepy meetinghouse community account
  08/16/18
net equity in the asset you acquired with the debt is saving...
galvanic infuriating old irish cottage
  08/16/18
when you earn $500, whether you put it in savings or toward ...
hyperventilating shrine scourge upon the earth
  08/16/18
I'm also confused by this. Take a simple example where I ...
Chartreuse bawdyhouse
  08/17/18
don't bother with him, he's a full rtard
concupiscible ticket booth
  08/17/18
lol at only owning a $1.5M house
Sooty Legal Warrant
  08/16/18
lol at your reading comp skills
swollen red dog poop
  08/16/18
...
Chartreuse bawdyhouse
  08/16/18
...
Sooty Legal Warrant
  08/16/18
...
Stirring cruel-hearted business firm
  08/17/18
...
Startled geriatric crotch
  08/17/18
gas (premium unleaded)
aphrodisiac azn
  08/16/18
*doesn't count deposits into actual tax-benefit savings vehi...
galvanic infuriating old irish cottage
  08/16/18
160k+ a year for kids lol
Sooty Legal Warrant
  08/16/18
"B-b-but property taxes in the suburbs are so expensive...
Chartreuse bawdyhouse
  08/16/18
They still pay over $17k/year in property taxes, which isn't...
Startled geriatric crotch
  08/17/18
That's probably wrong. It's more than double the comparable...
dashing hall foreskin
  08/17/18
True. That one is only $7243/year.
Startled geriatric crotch
  08/18/18
Is it common for NYC residents to belong to a country club? ...
Chartreuse bawdyhouse
  08/16/18
are Asians allowed in country clubs?
crawly overrated cuckold center
  08/17/18
After a nice meal, the Chens like to hit up a Broadway show....
Sooty Legal Warrant
  08/16/18
Colin is a car enthusiast, and Rachel appreciates the utilit...
Sooty Legal Warrant
  08/16/18
OH WHAT A CAR ENTHUSIAST
Up-to-no-good messiness
  08/16/18
"she likes safety...as a result, 100k SUV"
Sooty Legal Warrant
  08/16/18
...
stimulating lavender cruise ship
  08/17/18
I rike ah utirity. I rike ah safety. I rike ah Lange Lovel.
Snowy parlor trust fund
  08/16/18
...
Copper trip bbw crackhouse
  08/16/18
...
Chartreuse bawdyhouse
  08/16/18
...
carnelian arrogant house
  08/16/18
...
Awkward fat ankles
  08/17/18
...
autistic mind-boggling sandwich prole
  08/17/18
Yet they also spend a bunch on public transportation. Odd c...
Startled geriatric crotch
  08/17/18
LOL at spending $1400/mo on a 911S
Slate Institution Hominid
  08/17/18
Lol at making car payments on a Range Rover Velar
Up-to-no-good messiness
  08/16/18
Her pantsuits from Gucci, Dolce, and Chanel easily cost betw...
Sooty Legal Warrant
  08/16/18
btw, this is exactly what you and i discuss regarding home p...
Chartreuse bawdyhouse
  08/16/18
you'r not "affording" a home if you're taking out ...
Charcoal gunner boltzmann
  08/16/18
Are the bags even double-stitched by hand?
Snowy parlor trust fund
  08/16/18
...
Lime Reading Party
  08/17/18
Given Colin is a stay at home dad, he doesn’t need to spend ...
Sooty Legal Warrant
  08/16/18
That’s not so crazy.
Vigorous Pale Garrison
  08/16/18
That AP is probably 25-30 now?
Crimson partner
  08/16/18
No idea, but having a nice old watch and wearing $300 jeans ...
Vigorous Pale Garrison
  08/17/18
that's fair. I had two pair of $200 jeans in high school and...
stimulating lavender cruise ship
  08/17/18
Yet, Rachel tells me she doesn’t know if it’s worth working ...
Sooty Legal Warrant
  08/16/18
No. Their annual savings is $167,733. $18,500 (401k) +...
Tan insanely creepy meetinghouse community account
  08/16/18
also 25k to charity
Sooty Legal Warrant
  08/16/18
that's still a retarded savings rate on $1MM/yr. They shoul...
Cerebral menage
  08/16/18
its 40% of their after tax, while still spending buckwild
Sooty Legal Warrant
  08/16/18
Yes, they could easily save more.
Tan insanely creepy meetinghouse community account
  08/16/18
risten
Embarrassed to the bone church regret
  08/16/18
Rachel sees a therapist every other week to help her manage ...
Sooty Legal Warrant
  08/16/18
LOOOOOOOOOOOOOOOL Colin also sees a therapist once a mont...
Sooty Legal Warrant
  08/16/18
...
Chartreuse bawdyhouse
  08/16/18
yes, this is definitely a happy marriage
Cerebral menage
  08/16/18
Rachel envies Colin’s time at home. Most of her girlfriends ...
Sooty Legal Warrant
  08/16/18
...
Chartreuse bawdyhouse
  08/16/18
I thought this was a flame until I checked the article.
misanthropic swashbuckling hissy fit church building
  08/16/18
...
Tan insanely creepy meetinghouse community account
  08/16/18
...
Copper trip bbw crackhouse
  08/16/18
...
Charismatic Parlour Sound Barrier
  08/16/18
...
aromatic stubborn indirect expression locale
  08/17/18
...
Startled geriatric crotch
  08/17/18
...
thriller cream temple
  08/16/18
I would say that Colin is fucking Rachel's girlfriends at th...
fragrant bespoke theater
  08/16/18
...
naked brilliant range
  08/16/18
...
Startled geriatric crotch
  08/17/18
irl lol
stimulating lavender cruise ship
  08/17/18
all of that basically makes sense, tbf
Embarrassed to the bone church regret
  08/16/18
What a pussy. I'd take that job. Where do I find a seven-...
Tan insanely creepy meetinghouse community account
  08/16/18
in a fucking heartbeat
burgundy anal library genital piercing
  08/17/18
...
Stirring cruel-hearted business firm
  08/17/18
this is the funniest article ive read on xo in some time. th...
Sooty Legal Warrant
  08/16/18
By the way, can we take a minute to note the irony of a port...
Tan insanely creepy meetinghouse community account
  08/16/18
...
Buff slippery laser beams
  08/16/18
Portfolio manager knows best that it's a scam
Tantric carmine candlestick maker fortuitous meteor
  08/18/18
Jfc. Guillotines.
Buff slippery laser beams
  08/16/18
Lol author must be writing xoxo bait with references to bott...
Kink-friendly native
  08/16/18
By the way, where the fuck are they driving? Both of thei...
Tan insanely creepy meetinghouse community account
  08/16/18
The Chens drive their Velar to the Hamptons many weekends du...
walnut boyish state
  08/16/18
I made well over a million last year and I'm about to break ...
misanthropic swashbuckling hissy fit church building
  08/16/18
Does your Eating Out figure include future cancer treatment?
Charcoal gunner boltzmann
  08/16/18
LOL
Chartreuse bawdyhouse
  08/16/18
My wife pays me well for my service.
misanthropic swashbuckling hissy fit church building
  08/16/18
...
Ruby point mad cow disease
  08/16/18
These people should be put down
vivacious very tactful address place of business
  08/16/18
These people are not real
Chrome shaky toilet seat
  08/16/18
Wow, some people are really dumb.
medicated toaster hell
  08/16/18
Next recession will be 180
Impressive House-broken Principal's Office Death Wish
  08/16/18
...
naked brilliant range
  08/16/18
How big is Colin's cock?
transparent multi-colored idiot
  08/16/18
Misspelled "boiclit"
bipolar elastic band
  08/16/18
fatal flaw: only $225 in car insurance for both a porsche an...
garnet diverse brunch
  08/16/18
My insurance on just a 911 was $550 per 6 months ($91.67/mon...
Tan insanely creepy meetinghouse community account
  08/16/18
NYC Insurance is cheap. And that’s per month.
slap-happy senate
  08/17/18
That’s bullshit If true. I pay like 175 a month for my econo...
garnet diverse brunch
  08/18/18
I know two NYC couples with similar incomes (1 spouse as a b...
Orange adventurous corner
  08/16/18
I have a hard time understanding high earners who don't save...
Tan insanely creepy meetinghouse community account
  08/16/18
y'all realize this is fiction right
crawly overrated cuckold center
  08/17/18
Although I do appreciate the author's downright nutellaesque...
crawly overrated cuckold center
  08/17/18
*asks hedge fund manager for a three month sabbatical*
Rough-skinned clear stage
  08/17/18
Which, works better if your husband isn't a leech. $500k +...
Startled geriatric crotch
  08/17/18
again, this is fiction. this camurai guy has written several...
crawly overrated cuckold center
  08/17/18
Oh I agree. Whenever you see "salary of $1,000,000, wh...
Startled geriatric crotch
  08/17/18
Lol I would never offer such unrealistic advice. It’s like ...
Kink-friendly native
  08/17/18
*slaps your round gook face with an average sized white cock...
Chrome shaky toilet seat
  08/18/18
Hilariously, these not unrealistic characters count oppulent...
Spectacular windowlicker striped hyena
  08/17/18
This.
Stirring cruel-hearted business firm
  08/17/18
lol at giving $25k a year to fraud "charities"
transparent multi-colored idiot
  08/17/18
Maybe they are animal rescues in which case I applaud them. ...
Startled geriatric crotch
  08/17/18
You should be gassed
Chrome shaky toilet seat
  08/17/18
no u. But why in this case?
Startled geriatric crotch
  08/18/18
Maybe its a sneaky non-profit they operate.
Tan insanely creepy meetinghouse community account
  08/17/18
It doesn't seem like they're deducting it, which is weird.
dashing hall foreskin
  08/17/18
WGWAG - does the author post here?
ungodly casino pocket flask
  08/17/18
So this is 100% confirmed Nutella, right?
stimulating lavender cruise ship
  08/17/18
LMAO, probably. But she barely makes half that.
Chrome shaky toilet seat
  08/18/18
Devastating. So you're saying she inflates HHI for random st...
stimulating lavender cruise ship
  08/18/18
Lol we save $300k/year on $800k HHI working 40 hours/week. ...
Kink-friendly native
  08/18/18
Are you planning on paying for private schools?
Startled geriatric crotch
  08/18/18
The public elementary school is excellent but then it’s garb...
Kink-friendly native
  08/18/18
Seems reasonable.
Startled geriatric crotch
  08/18/18
Hilarious clickbait but still makes me feel good
Sexy motley home pistol
  08/18/18


Poast new message in this thread



Reply Favorite

Date: August 16th, 2018 3:11 PM
Author: Stirring cruel-hearted business firm

https://www.financialsamurai.com/when-earning-one-million-a-year-is-not-enough/

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36627698)



Reply Favorite

Date: August 16th, 2018 3:14 PM
Author: Copper trip bbw crackhouse

What is a 5 week Staycation?

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36627719)



Reply Favorite

Date: August 16th, 2018 3:16 PM
Author: Stirring cruel-hearted business firm

The five weeks is total vacation time.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36627732)



Reply Favorite

Date: August 16th, 2018 3:24 PM
Author: out-of-control big blood rage pit

wonder what the husband would get if he filed for divorce lmao.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36627778)



Reply Favorite

Date: August 16th, 2018 3:31 PM
Author: swollen red dog poop

holy fuck i wish my property taxes were 0.627% of my home's value.

also lol at a hedge fund having such a garbage health insurance plan

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36627822)



Reply Favorite

Date: August 17th, 2018 10:13 PM
Author: dashing hall foreskin

NYC property taxes are relatively low because there's a city income tax.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36636477)



Reply Favorite

Date: August 18th, 2018 1:50 PM
Author: curious lodge

And because you own relatively little.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36639124)



Reply Favorite

Date: August 16th, 2018 3:33 PM
Author: sick indecent ladyboy round eye

lol

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36627832)



Reply Favorite

Date: August 16th, 2018 3:46 PM
Author: thriller cream temple

ljfl

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36627949)



Reply Favorite

Date: August 16th, 2018 3:49 PM
Author: passionate costumed station stock car

54k excludes 401k, college plan, principal payments on mortgage

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36627973)



Reply Favorite

Date: August 16th, 2018 4:37 PM
Author: Maize Mentally Impaired Codepig

Principal payments on mortgage is not "saving." It is repaying a debt.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628318)



Reply Favorite

Date: August 16th, 2018 4:53 PM
Author: Tan insanely creepy meetinghouse community account

The definitional debate isn't all that interesting, but it's at least reasonable to define savings as the amount by which income exceeds consumption and to exclude (or partially exclude) real estate as a consumed good.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628408)



Reply Favorite

Date: August 16th, 2018 5:39 PM
Author: galvanic infuriating old irish cottage

net equity in the asset you acquired with the debt is savings

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628710)



Reply Favorite

Date: August 16th, 2018 9:08 PM
Author: hyperventilating shrine scourge upon the earth

when you earn $500, whether you put it in savings or toward an a real asset your net worth increases by $500.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36629896)



Reply Favorite

Date: August 17th, 2018 8:52 AM
Author: Chartreuse bawdyhouse

I'm also confused by this.

Take a simple example where I buy a house for $1M with a 1 year balloon mortgage at 5%.

are you saying at the end of the year when I have a fully-paid off house worth $1M that I didn't save $1M? Yes, I paid $50k in interest, but I fail to see how you wouldn't count that as savings. I now have a $1M asset on my balance sheet.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36631764)



Reply Favorite

Date: August 17th, 2018 1:06 PM
Author: concupiscible ticket booth

don't bother with him, he's a full rtard

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36633183)



Reply Favorite

Date: August 16th, 2018 3:53 PM
Author: Sooty Legal Warrant

lol at only owning a $1.5M house

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36627999)



Reply Favorite

Date: August 16th, 2018 3:53 PM
Author: swollen red dog poop

lol at your reading comp skills

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628014)



Reply Favorite

Date: August 16th, 2018 3:58 PM
Author: Chartreuse bawdyhouse



(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628057)



Reply Favorite

Date: August 16th, 2018 3:58 PM
Author: Sooty Legal Warrant



(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628060)



Reply Favorite

Date: August 17th, 2018 7:00 AM
Author: Stirring cruel-hearted business firm



(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36631567)



Reply Favorite

Date: August 17th, 2018 10:37 AM
Author: Startled geriatric crotch



(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36632152)



Reply Favorite

Date: August 16th, 2018 3:57 PM
Author: aphrodisiac azn

gas (premium unleaded)

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628053)



Reply Favorite

Date: August 16th, 2018 3:58 PM
Author: galvanic infuriating old irish cottage

*doesn't count deposits into actual tax-benefit savings vehicles as savings*

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628059)



Reply Favorite

Date: August 16th, 2018 3:58 PM
Author: Sooty Legal Warrant

160k+ a year for kids lol

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628063)



Reply Favorite

Date: August 16th, 2018 4:00 PM
Author: Chartreuse bawdyhouse

"B-b-but property taxes in the suburbs are so expensive", lisped the urbanite as she wrote another private school check.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628072)



Reply Favorite

Date: August 17th, 2018 10:47 AM
Author: Startled geriatric crotch

They still pay over $17k/year in property taxes, which isn't tiny.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36632201)



Reply Favorite

Date: August 17th, 2018 10:47 PM
Author: dashing hall foreskin

That's probably wrong. It's more than double the comparable house they show below.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36636584)



Reply Favorite

Date: August 18th, 2018 1:21 PM
Author: Startled geriatric crotch

True. That one is only $7243/year.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36638925)



Reply Favorite

Date: August 16th, 2018 4:02 PM
Author: Chartreuse bawdyhouse

Is it common for NYC residents to belong to a country club? Especially when the dad stays at home?

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628084)



Reply Favorite

Date: August 17th, 2018 6:40 AM
Author: crawly overrated cuckold center

are Asians allowed in country clubs?

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36631536)



Reply Favorite

Date: August 16th, 2018 4:16 PM
Author: Sooty Legal Warrant

After a nice meal, the Chens like to hit up a Broadway show. Tickets range from $60 up to $1,500 on average for the latest hot show. But given they aren’t earning multi-millions, they often settle for $250 tickets at most. In other words, a date night out easily costs $1,000+.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628157)



Reply Favorite

Date: August 16th, 2018 4:17 PM
Author: Sooty Legal Warrant

Colin is a car enthusiast, and Rachel appreciates the utility and safety of an SUV for her kids. As a result, they own the newest Range Rover Velar and Porsche 911S. The P380 Dynamic Velar is leased for $850/month. The Porsche 911S costs $1,400/month.



(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628167)



Reply Favorite

Date: August 16th, 2018 4:19 PM
Author: Up-to-no-good messiness

OH WHAT A CAR ENTHUSIAST

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628176)



Reply Favorite

Date: August 16th, 2018 4:19 PM
Author: Sooty Legal Warrant

"she likes safety...as a result, 100k SUV"

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628179)



Reply Favorite

Date: August 17th, 2018 9:16 PM
Author: stimulating lavender cruise ship



(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36636228)



Reply Favorite

Date: August 16th, 2018 5:38 PM
Author: Snowy parlor trust fund

I rike ah utirity. I rike ah safety. I rike ah Lange Lovel.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628703)



Reply Favorite

Date: August 16th, 2018 5:42 PM
Author: Copper trip bbw crackhouse



(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628727)



Reply Favorite

Date: August 16th, 2018 5:46 PM
Author: Chartreuse bawdyhouse



(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628743)



Reply Favorite

Date: August 16th, 2018 8:01 PM
Author: carnelian arrogant house



(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36629442)



Reply Favorite

Date: August 17th, 2018 9:23 AM
Author: Awkward fat ankles



(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36631845)



Reply Favorite

Date: August 17th, 2018 10:55 AM
Author: autistic mind-boggling sandwich prole



(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36632248)



Reply Favorite

Date: August 17th, 2018 10:47 AM
Author: Startled geriatric crotch

Yet they also spend a bunch on public transportation. Odd case.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36632211)



Reply Favorite

Date: August 17th, 2018 11:52 PM
Author: Slate Institution Hominid

LOL at spending $1400/mo on a 911S

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36636939)



Reply Favorite

Date: August 16th, 2018 4:18 PM
Author: Up-to-no-good messiness

Lol at making car payments on a Range Rover Velar

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628171)



Reply Favorite

Date: August 16th, 2018 4:19 PM
Author: Sooty Legal Warrant

Her pantsuits from Gucci, Dolce, and Chanel easily cost between $2,000 – $3,500 each. On average, she buys one work suit once a year to keep her threads fresh, although sometimes she buys a couple during holiday sales.

With every power suit must come matching Manolo Blahniks or Jimmy Choos at the cost of between $800 – $1,000 a pair on average. Below is a regular black satin pump by Manolo for $995 before tax at Nieman Marcus.

After the pumps, Rachel must of course own a work-appropriate tote bag that can cost anywhere from $1,000 – $3,000. She prefers the understated Prada bags with their hard waterproof exterior. Below are some of her clothing examples.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628177)



Reply Favorite

Date: August 16th, 2018 4:21 PM
Author: Chartreuse bawdyhouse

btw, this is exactly what you and i discuss regarding home prices and income.

these people could easily afford double the mortgage. it's all the other expenditures that add up to fuck them.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628189)



Reply Favorite

Date: August 16th, 2018 4:41 PM
Author: Charcoal gunner boltzmann

you'r not "affording" a home if you're taking out a (((mortgage)))

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628335)



Reply Favorite

Date: August 16th, 2018 5:42 PM
Author: Snowy parlor trust fund

Are the bags even double-stitched by hand?

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628724)



Reply Favorite

Date: August 17th, 2018 9:25 AM
Author: Lime Reading Party



(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36631850)



Reply Favorite

Date: August 16th, 2018 4:20 PM
Author: Sooty Legal Warrant

Given Colin is a stay at home dad, he doesn’t need to spend anything on work clothes. However, he does own and appreciate an array of finely cut blazers to go along with his designer jeans and button down shirts for when they go out. Each custom blazer costs between $1,000 – $1,500 on average. Designer jeans run between $180 – $300, and shirts from the likes of Thomas Pink can range from $80 – $250. He only has one watch, a stainless steel Royal Oak Audemars Piguet he bought for $16,000 years ago.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628183)



Reply Favorite

Date: August 16th, 2018 4:40 PM
Author: Vigorous Pale Garrison

That’s not so crazy.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628331)



Reply Favorite

Date: August 16th, 2018 5:52 PM
Author: Crimson partner

That AP is probably 25-30 now?

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628764)



Reply Favorite

Date: August 17th, 2018 10:50 AM
Author: Vigorous Pale Garrison

No idea, but having a nice old watch and wearing $300 jeans isn’t what I’d call extravagant. The blazers are on the high side, but I’ve spent more than that on suits.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36632223)



Reply Favorite

Date: August 17th, 2018 9:17 PM
Author: stimulating lavender cruise ship

that's fair. I had two pair of $200 jeans in high school and both are holding up fine. It's just about buying quality imo

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36636230)



Reply Favorite

Date: August 16th, 2018 4:22 PM
Author: Sooty Legal Warrant

Yet, Rachel tells me she doesn’t know if it’s worth working 65 hours a week for the next 15 years. Even the finest lobster at Le Bernardin or the most picturesque luxury villa off the Almalfi Coast gets old after a while.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628196)



Reply Favorite

Date: August 16th, 2018 4:22 PM
Author: Tan insanely creepy meetinghouse community account

No.

Their annual savings is $167,733.

$18,500 (401k) + $6,000 (HSA) + $60,000 (529) + $28,800 (mortgage principal) + $54,433 (more savings) = $167,733



(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628198)



Reply Favorite

Date: August 16th, 2018 4:24 PM
Author: Sooty Legal Warrant

also 25k to charity

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628207)



Reply Favorite

Date: August 16th, 2018 4:25 PM
Author: Cerebral menage

that's still a retarded savings rate on $1MM/yr. They should have retired by now

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628218)



Reply Favorite

Date: August 16th, 2018 4:27 PM
Author: Sooty Legal Warrant

its 40% of their after tax, while still spending buckwild

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628232)



Reply Favorite

Date: August 16th, 2018 4:27 PM
Author: Tan insanely creepy meetinghouse community account

Yes, they could easily save more.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628237)



Reply Favorite

Date: August 16th, 2018 4:25 PM
Author: Embarrassed to the bone church regret

risten

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628219)



Reply Favorite

Date: August 16th, 2018 4:23 PM
Author: Sooty Legal Warrant

Rachel sees a therapist every other week to help her manage the constant pressure she feels to provide for her family, outperform her peers, and outperform the markets. The market takes no prisoners and every month she starts with incredible anxiety. She’s only as good as her last month’s performance. This type of pressure has begun to pulverize what little peace and quiet she has left inside. She’s also recently begun to develop heart palpitations, which has her worried.

good thing he has $3M insurance

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628203)



Reply Favorite

Date: August 16th, 2018 4:24 PM
Author: Sooty Legal Warrant

LOOOOOOOOOOOOOOOL

Colin also sees a therapist once a month to help him get through his feelings of unworthiness for being a stay at home father. Although he’s truly a great dad, he often feels gutted to have given up his management consulting job. None of his friends, who all work, understand what he’s going through. He feels isolated and often depressed. Sometimes he gets jealous of Rachel’s success, which leads to bitter fights.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628211)



Reply Favorite

Date: August 16th, 2018 4:25 PM
Author: Chartreuse bawdyhouse



(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628216)



Reply Favorite

Date: August 16th, 2018 4:25 PM
Author: Cerebral menage

yes, this is definitely a happy marriage

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628223)



Reply Favorite

Date: August 16th, 2018 4:25 PM
Author: Sooty Legal Warrant

Rachel envies Colin’s time at home. Most of her girlfriends are stay at home moms who take turns hosting playdates when their kids are off. When they’re in school, they often go to brunch at Blue Water Grill with bottomless mimosas over mounds of freshwater oysters. Colin envies Rachel’s freedom and the thrill of working in the real world with power.

this article is fantastic xobait

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628225)



Reply Favorite

Date: August 16th, 2018 4:26 PM
Author: Chartreuse bawdyhouse



(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628230)



Reply Favorite

Date: August 16th, 2018 4:32 PM
Author: misanthropic swashbuckling hissy fit church building

I thought this was a flame until I checked the article.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628274)



Reply Favorite

Date: August 16th, 2018 4:32 PM
Author: Tan insanely creepy meetinghouse community account



(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628280)



Reply Favorite

Date: August 16th, 2018 5:44 PM
Author: Copper trip bbw crackhouse



(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628739)



Reply Favorite

Date: August 16th, 2018 8:47 PM
Author: Charismatic Parlour Sound Barrier



(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36629765)



Reply Favorite

Date: August 17th, 2018 7:09 AM
Author: aromatic stubborn indirect expression locale



(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36631576)



Reply Favorite

Date: August 17th, 2018 12:40 PM
Author: Startled geriatric crotch



(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36632959)



Reply Favorite

Date: August 16th, 2018 4:33 PM
Author: thriller cream temple



(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628285)



Reply Favorite

Date: August 16th, 2018 4:34 PM
Author: fragrant bespoke theater

I would say that Colin is fucking Rachel's girlfriends at these playdates, but Colin happens to be Asian, so that's not possible.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628292)



Reply Favorite

Date: August 16th, 2018 5:25 PM
Author: naked brilliant range



(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628626)



Reply Favorite

Date: August 17th, 2018 10:49 AM
Author: Startled geriatric crotch



(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36632218)



Reply Favorite

Date: August 17th, 2018 9:25 PM
Author: stimulating lavender cruise ship

irl lol

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36636272)



Reply Favorite

Date: August 16th, 2018 4:30 PM
Author: Embarrassed to the bone church regret

all of that basically makes sense, tbf

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628253)



Reply Favorite

Date: August 16th, 2018 4:31 PM
Author: Tan insanely creepy meetinghouse community account

What a pussy. I'd take that job.

Where do I find a seven-figure sugar mama?

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628272)



Reply Favorite

Date: August 17th, 2018 1:04 PM
Author: burgundy anal library genital piercing

in a fucking heartbeat

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36633169)



Reply Favorite

Date: August 17th, 2018 7:01 AM
Author: Stirring cruel-hearted business firm



(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36631570)



Reply Favorite

Date: August 16th, 2018 4:28 PM
Author: Sooty Legal Warrant

this is the funniest article ive read on xo in some time. thanks OP

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628246)



Reply Favorite

Date: August 16th, 2018 4:30 PM
Author: Tan insanely creepy meetinghouse community account

By the way, can we take a minute to note the irony of a portfolio manager with virtually no investment portfolio of her own.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628255)



Reply Favorite

Date: August 16th, 2018 4:32 PM
Author: Buff slippery laser beams



(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628281)



Reply Favorite

Date: August 18th, 2018 2:06 PM
Author: Tantric carmine candlestick maker fortuitous meteor

Portfolio manager knows best that it's a scam

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36639208)



Reply Favorite

Date: August 16th, 2018 4:32 PM
Author: Buff slippery laser beams

Jfc. Guillotines.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628277)



Reply Favorite

Date: August 16th, 2018 4:36 PM
Author: Kink-friendly native

Lol author must be writing xoxo bait with references to bottomless mimosas etc.

Also math doesn’t add up since 401k, 529 etc are all savings. And how come the effective fed rate is so high. Mortgage, property and charity interest deductions need to be included. Fed effective should be closer to 26-27%.

I would feel bad if they weren’t such idiots about spending. Working 65 hours/week til 60 is brutal. All they have to do is cut back on some excesses (clothes, food/entertainment, country club, cars) and that can easily be brought down to age 50.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628302)



Reply Favorite

Date: August 16th, 2018 4:37 PM
Author: Tan insanely creepy meetinghouse community account

By the way, where the fuck are they driving?

Both of their cars get gas mileage in the 20s. Let's call the average 25 mpg. Average premium gas is, what, $3.60 in NYC? That's more than 22,000 miles per year.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628311)



Reply Favorite

Date: August 16th, 2018 4:41 PM
Author: walnut boyish state

The Chens drive their Velar to the Hamptons many weekends during the summer where they rent a vacation house with friends. Colin drives his Porsche to the country club to play golf a couple times a week while the kids are in school. It’s his way of staying in shape and socializing given most of his peers still work full-time jobs.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628336)



Reply Favorite

Date: August 16th, 2018 4:37 PM
Author: misanthropic swashbuckling hissy fit church building

I made well over a million last year and I'm about to break 2 million for this year (and it is only August). My wife and I did a spreadsheet a couple months back that tracked our average spending over 6 months. We did this because we were curious how much our kid raised our expenses. We also have our own money that we use for things like clothes and hobbies, but we don't really spend much if any in those categories. Here it is:

6 Mo Avg

Misc $124.13

Auto Ins $200.00

Baby Supplies $552.56

Beauty $11.25

Business $107.02

Cable/Internet $200.00

Car Leases $992.96

Cell Phone $140.00

Daycare $1,975.00

DMV $5.83

Dog Ins $150.00

Dog Supplies $153.55

Dry Cleaning $18.25

Eating Out $726.17

Entertainment $207.62

Gardening $140.00

Gas $184.80

Gifts $216.72

Health $402.57

HOA $122.95

Home Repair/Maintenance $77.50

Home Insurance $250.00

Home Warranty $55.00

Earthquake Insurance $150.00

Life Ins $53.33

Babysitter $200.00

Market $915.60

Movies $83.66

Pest Control $11.67

Pool $90.00

Property Tax $1,225.00

Son's 529 Contribution $500.00

Utilities $720.26

Umbrella Policy $40.00

Disney AP $93.08

Universal AP $29.83

Total $11,126.29



(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628316)



Reply Favorite

Date: August 16th, 2018 4:40 PM
Author: Charcoal gunner boltzmann

Does your Eating Out figure include future cancer treatment?

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628330)



Reply Favorite

Date: August 16th, 2018 4:41 PM
Author: Chartreuse bawdyhouse

LOL

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628334)



Reply Favorite

Date: August 16th, 2018 4:41 PM
Author: misanthropic swashbuckling hissy fit church building

My wife pays me well for my service.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628338)



Reply Favorite

Date: August 16th, 2018 10:49 PM
Author: Ruby point mad cow disease



(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36630515)



Reply Favorite

Date: August 16th, 2018 4:37 PM
Author: vivacious very tactful address place of business

These people should be put down

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628319)



Reply Favorite

Date: August 16th, 2018 8:40 PM
Author: Chrome shaky toilet seat

These people are not real

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36629699)



Reply Favorite

Date: August 16th, 2018 4:39 PM
Author: medicated toaster hell

Wow, some people are really dumb.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628329)



Reply Favorite

Date: August 16th, 2018 5:07 PM
Author: Impressive House-broken Principal's Office Death Wish

Next recession will be 180

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628509)



Reply Favorite

Date: August 16th, 2018 5:25 PM
Author: naked brilliant range



(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628628)



Reply Favorite

Date: August 16th, 2018 8:24 PM
Author: transparent multi-colored idiot

How big is Colin's cock?

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36629605)



Reply Favorite

Date: August 16th, 2018 9:03 PM
Author: bipolar elastic band

Misspelled "boiclit"

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36629870)



Reply Favorite

Date: August 16th, 2018 9:10 PM
Author: garnet diverse brunch

fatal flaw: only $225 in car insurance for both a porsche and a land rover

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36629904)



Reply Favorite

Date: August 16th, 2018 9:44 PM
Author: Tan insanely creepy meetinghouse community account

My insurance on just a 911 was $550 per 6 months ($91.67/month) several years ago.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36630158)



Reply Favorite

Date: August 17th, 2018 5:21 AM
Author: slap-happy senate

NYC Insurance is cheap. And that’s per month.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36631492)



Reply Favorite

Date: August 18th, 2018 1:17 PM
Author: garnet diverse brunch

That’s bullshit If true. I pay like 175 a month for my economical Japanese car and I’ve had no tickets and no accidents. It went up like 40 dollars in last year alone

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36638899)



Reply Favorite

Date: August 16th, 2018 9:22 PM
Author: Orange adventurous corner

I know two NYC couples with similar incomes (1 spouse as a biglaw partner gets you there). This could literally be modeled on them. Way more common than the reverse.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36629991)



Reply Favorite

Date: August 16th, 2018 9:45 PM
Author: Tan insanely creepy meetinghouse community account

I have a hard time understanding high earners who don't save a lot. Having to be a wagecuck SUCKS.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36630161)



Reply Favorite

Date: August 17th, 2018 6:37 AM
Author: crawly overrated cuckold center

y'all realize this is fiction right

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36631533)



Reply Favorite

Date: August 17th, 2018 6:42 AM
Author: crawly overrated cuckold center

Although I do appreciate the author's downright nutellaesque solution:

"If I was Rachel, I’d either ask for a three-month sabbatical or dial back work to 40 hours a week for less compensation. Making $500,000 a year with less stress, fewer hours, and a lower effective tax rate sounds so much more reasonable."

Just do $500K 9-5 WFH Fridays.

If I was Rachel, I’d either ask for a three-month sabbatical or dial back work to 40 hours a week for less compensation. Making $500,000 a year with less stress, fewer hours, and a lower effective tax rate sounds so much more reasonable.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36631538)



Reply Favorite

Date: August 17th, 2018 10:47 AM
Author: Rough-skinned clear stage

*asks hedge fund manager for a three month sabbatical*

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36632200)



Reply Favorite

Date: August 17th, 2018 10:53 AM
Author: Startled geriatric crotch

Which, works better if your husband isn't a leech. $500k + $250k means they make only $250k less than they did before. Move to a nice suburb and you get that back in the form of taxes, no private schools and lower housing costs.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36632236)



Reply Favorite

Date: August 17th, 2018 10:58 AM
Author: crawly overrated cuckold center

again, this is fiction. this camurai guy has written several of these clickbait articles and xo snaps them up like potato chips

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36632264)



Reply Favorite

Date: August 17th, 2018 12:50 PM
Author: Startled geriatric crotch

Oh I agree. Whenever you see "salary of $1,000,000, which they budget by" - it is a dead giveaway because the number is too round. Few people make exactly that or even consistently around that. A lot of comp for those sorts of numbers vary year to year.

Still kind of fun to discuss.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36633050)



Reply Favorite

Date: August 17th, 2018 12:47 PM
Author: Kink-friendly native

Lol I would never offer such unrealistic advice. It’s like a big law partner asking to cut back hours or for a sabbatical.

My advice would be to:

1) stop spending like rap stars

2) quit and get a lifestyle job (she can be head of IR or something else cushier in the industry)

3) and if that doesn’t work, go all in and get a PM job that pays at least $1.5-2m for 65 hours/week. $1m is low pay as a PM in your mid-40s.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36633017)



Reply Favorite

Date: August 18th, 2018 12:46 PM
Author: Chrome shaky toilet seat

*slaps your round gook face with an average sized white cock*

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36638684)



Reply Favorite

Date: August 17th, 2018 8:50 AM
Author: Spectacular windowlicker striped hyena

Hilariously, these not unrealistic characters count oppulent and extravagant consumption as mandatory spending for basic essentials.

If this couple were willing to live like a household making $200k, they could retire in a few years.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36631757)



Reply Favorite

Date: August 17th, 2018 9:47 AM
Author: Stirring cruel-hearted business firm

This.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36631919)



Reply Favorite

Date: August 17th, 2018 10:52 AM
Author: transparent multi-colored idiot

lol at giving $25k a year to fraud "charities"

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36632231)



Reply Favorite

Date: August 17th, 2018 10:53 AM
Author: Startled geriatric crotch

Maybe they are animal rescues in which case I applaud them. Otherwise, ljl at them.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36632240)



Reply Favorite

Date: August 17th, 2018 9:05 PM
Author: Chrome shaky toilet seat

You should be gassed

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36636189)



Reply Favorite

Date: August 18th, 2018 1:21 PM
Author: Startled geriatric crotch

no u. But why in this case?

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36638931)



Reply Favorite

Date: August 17th, 2018 2:54 PM
Author: Tan insanely creepy meetinghouse community account

Maybe its a sneaky non-profit they operate.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36633845)



Reply Favorite

Date: August 17th, 2018 10:53 PM
Author: dashing hall foreskin

It doesn't seem like they're deducting it, which is weird.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36636618)



Reply Favorite

Date: August 17th, 2018 9:19 PM
Author: ungodly casino pocket flask

WGWAG - does the author post here?

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36636237)



Reply Favorite

Date: August 17th, 2018 9:26 PM
Author: stimulating lavender cruise ship

So this is 100% confirmed Nutella, right?

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36636275)



Reply Favorite

Date: August 18th, 2018 1:18 PM
Author: Chrome shaky toilet seat

LMAO, probably. But she barely makes half that.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36638907)



Reply Favorite

Date: August 18th, 2018 1:49 PM
Author: stimulating lavender cruise ship

Devastating. So you're saying she inflates HHI for random strangers on TWO DIFFERENT internet shitsites? for shame

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36639115)



Reply Favorite

Date: August 18th, 2018 1:29 PM
Author: Kink-friendly native

Lol we save $300k/year on $800k HHI working 40 hours/week. We don’t need therapists to get through life.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36638991)



Reply Favorite

Date: August 18th, 2018 1:30 PM
Author: Startled geriatric crotch

Are you planning on paying for private schools?

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36639004)



Reply Favorite

Date: August 18th, 2018 1:47 PM
Author: Kink-friendly native

The public elementary school is excellent but then it’s garbage gang infested schools. The plan is to move to a better school district for middle and high school or during the next major housing downturn. RE is a better investment than private school. We don’t plan on selling our current home and will keep it as a rental property.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36639101)



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Date: August 18th, 2018 1:48 PM
Author: Startled geriatric crotch

Seems reasonable.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36639107)



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Date: August 18th, 2018 1:48 PM
Author: Sexy motley home pistol

Hilarious clickbait but still makes me feel good

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36639108)