/biz/ - Business & Finance

>>53806590
I'm just gonna live with my parents and not pay rent lol

$97,300 is the low-income threshold for a family of 4 in California.

average salary in eastern europe is like 12000$ and people live normal lives, go on vacations and shiet you amerimutts are realy fucking delusional

>>53806590
I make $180k and get $25k in benefits value and I feel poor as the sole breadwinner of my family. Actually poor, I’m paycheck to paycheck some months. And I live in a state with no state income tax.

If you have a combined salary of under $250k as a family you are basically fucked.

>>53806590
do you want to narrow the focus a little? what midwest state should we look at here..
let's buy a home OP. pick a state.

pick a state. lets see how much you reasonably need to earn to make it any city.

>>53806590
I live in a small town in Michigan. My rent is $1000/mo for a 1 BR, and I barely make $50000/yr. I basically just accept that I will never go on vacation, buy a new car, and so on, as long as I live. What else is there to do? Ordering a pizza and having it delivered to my house is like $45 now. It’s totally unreasonable.

>>53806687
what's the average rent in eastern europe

>>53806590
I live HCOL area and one bedrooms are 1500 here. My buddy in LA is paying 1450 for his one bedroom. I refuse to believe that average rent for Illinois or some other Midwest state is 1400 for the same thing.

Let's just move somewhere there's likely minimal nuclear and natural threats like bullshit faggy weather. Let's piiiiick Nebraska.

Let's get a green visual. Ok, nice. I see one major interstate, nice.
Let's see what area of land is federal. Not tooo much. Ok, nice.
We've got a good view of the roads here, let's get a political and region visual. Love it.
Why not a good mm mm... not gonna try to name this kind of map. But I love it.
>coal train derailment in the news
Glossing over. Lot's of natural beauty, probably lots of farm culture, and some injuns.
I don't know if I can easily compile a visual of the 'beauty' sooo let's get a list of cities.
>578 registered areas of locale
Emerald with 4 niggas livin' there, Omaha shy of 500K. You may want something in the middle

But how far outside the major areas? Or should we move into the city /biz/? Keep in mind, we've only got $100K starting capital.

>>53806985
It's not just the rent. In America you get cucked and needed by fees and insurance on everything. Our taxes are like throwing money into a fucking incinerator.

>>53807211
I'm gettin mad city slicker vibes here, so let's go city.
>Omaha 488K
>Lincoln 289K
>Bellevue 63K
>Grand Island 53K
>Kearney 34K
>Fremont 27K
>Hastings 25K
>Norfolk 25K
>Columbus 24K
>Papillion 24K
>North Platte 23K
Let's get a quick visual - after North Platte the population drops to 16k. Where we thinkin?

With the following out of the way, let me just look at the numbers - the nitty gritty /biz/ of these cities.
Nebraska (The Cornhusker State) joined the big boy club in 1867 (37).
Capital is Lincoln, Unicameral legislation
>Dissected Till Plains/Great Plains
Prairies out west, Missouri River, and the Solidago state flower.
>"Equality before the law"

>Nebraska Game and Parks
Administration regulations
Fisheries regulations
Boating regulations
Wildlife regulations
Parks regulations
Shooting ranges and hunter education regulations
>Wildlife
Big game
Small game
Wild turkey
Waterfowl
Furbearer
Mountain lions

>>53806769
Dude wtf how can you be so bad with money? What are you expenses?

>>53806590
>rents
i stopped reading.

So we've got 100K and we want to move to Nebraska and raise a little hell. We're going to need a job when we get there, but I think with that kind of capital we may be able to swing a good 3 months time for looking for jobs and settling into the house for good, depending on what city we choose, and what price we can swing for the house.
Keep in mind what route we want to go through to find the best 'deal'. There are always unlisted properties and land or studio purchases as well, even garages and old industry buildings.
>The Nebraska Department of Revenue is an agency of the Nebraska state government responsible for the administration of state revenue and tax programs. The Nebraska Constitution prohibits use of a property tax, thus most revenue is collected from a state sales tax(5.5%), use taxes, and a state income tax.[1] The department also oversees the Nebraska Lottery and "Charitable Gaming". - Dimmy
This state honestly sounds pretty fucking based.
What am I clicking here... I doubt I'll find a city-by-city examples of W-2's so this is the stupid maths part.

>>53806769
You're not poor, you're just retarded and suck at budgeting lol

>>53806590
>$400 a month on food for a basic diet
Jesus H. Christ. Maybe learn to cook? I ate on $25 a week and this was in the US

Alright fuck it I'm looking at the colleges.
>University of Nebraska
>Peru State College, Wayne State College, Chadron State College
>http://nebraskacommunitycolleges.org/peer-comparison-finance/
Yessir. That's the stuff that makes me wet. Shit yeah, fuckin shit hell yeah that narrows it down lol. Fuck Papillion, North Platte, and Bellevue - every other one of the eleven cities have a community college program. I'll keep it there because that's more than I was looking for.

>>53807315
I live in a suburb in a Midwestern state. I pay 30% of my income in taxes and then another 20% in various Jewish insurances

>>53807829
I'm used to a population that of Grand Island, but I'm an undergrad so let's check out these colleges and see if any of them have a degree that matches my accreditation. Let's see.

alrighty, that's that, fuck omaha and lincoln. too much work.

>>53807994
wait... what a surprise. reliable higher ed urls are in very short supply with a rise in phone app reliance. Hastings looks like the place then. Commence housing research.
>good places to eat
>low pop
>green
>not far from interstate
>interesting roadways
>downtown scene
let's find something befitting anon

>>53806590
$140k is the new $100k, unironically

t. $98k a year peasant

>>53807746
>I ate on $25 a week and this was in the US
unless you ate an extremely unbalanced an autistic diet like rice and beans, no you didn't.

>Weather
www.extremeweatherwatch.com/cities/hastings-ne
>School
www.hastings.edu/
www.cccneb.edu/hastings
>Real Estate
"Hastings College median real estate price is $178,679, which is more expensive than 35.8% of the neighborhoods in Nebraska and 23.1% of the neighborhoods in the U.S."
"Hastings Southwest median real estate price is $109,525, which is less expensive than 90.5% of Nebraska neighborhoods and 91.4% of all U.S. neighborhoods."
"Good Samaritan Village median real estate price is $139,381, which is less expensive than 78.7% of Nebraska neighborhoods and 85.1% of all U.S. neighborhoods."
Looks like the average rent a month in these three lowest real estate zones (of the 7) is $1K.
>Work
pic related
don't let thread die? whatever lol

>>53806590
It’s true I make $100k have a family of 4 and we are poor as fuck

This entire thread is bait.

All the problems come from boomers
>no one can afford apartments
>"FUCK YOU I KNOW WHAT I GOT PAY ME THE 1400 RENTIE SCUM
>no one can afford houses
>"FUCK YOU I KNOW WHAT I GOT IT'S 200K FOR A SHACK IN THE GHETTO PAY ME THE MONEY"
Boomers have literally destroyed society for no reason other than their spiritual judaism.

>>53806590
>>53808226
Take the F.I.R E pill
Dave Ramsey pill...beans and rice

>>53807204
I live in class county nebraska ans make 90k pretax. Like is ok.

>>53808283

>>53806590
>$600-$700 per month for a car
???? Are you financing a lambo? What the fuck is this for?
I bought a lotus elan outright for £1,250 last month and the bitches love it. Perhaps your bourgeoisie buttcheeks can't handle not having heated seats, idk.

>>53808215
Keep going, you're cracking me up

>>53808511
had to grab my thingy from work
thought about a lot on the drive there and back. have you noticed we've experienced, as a race, with the information available today; we've seen just about fucking everything you could imagine in the last ten years?

let me just pinpoint these spots on a map real quick, looks like Realtor has plenty of sub-100K listings. just gotta see where they are. then we get to look at the crime statistics.

>>53806590
Earn $110k in Midwest in fairly large city for the area. My mortgage including everything is $1600/month on home bought for $230k w/$30k down in 2020, currently evaluated at $300k. It was brand new.
After savings for retirement ($500/month), short term savings ($400/month), home maintenance saving ($300/month), utilities, gym, a large food budget, large term life insurance policy, and other basics, I have $750/month to spend on what I want. I save some of that for vacations and spend some on entertainment.
All this with a work with a 401k match, 5 weeks of vacation, a health savings account that grows $2500/yr, and probably 35 hours of work a week of which 25 are effort and 10 are easy.
If I was never promoted and my raises more or less matched inflation, I could retire at 57-58 comfortably. If inflation was far above my raises, regular 65-66. If I got promoted and made $160k/yr, I could probably do early 50’s.
OP you’re literally doing it all wrong.

>>53807558
Nebraska property tax is homosex.
>t. $400 a month property tax payer

>>53808599
You have no kids or wife to support. You’re like a child to me.

>>53808652
A 1-3 year experience salary isn't enough to support a stay-at-home wife and children, that's correct.

>>53808206
>unbalanced
>autistic
Over half the world regularly eats rice and beans.
I am more of a cabbage man myself. Cheap as dirt filling and nutritious as well as other staples like sweet potatoes, carrots, onions, eggs, home made bread.
If you are expecting steak every night 25 dollars won’t cut it anywhere. But if you are willing to eat vegetables you can eat on the cheap. I had steak maybe once a month. I also would buy chicken quarters in bulk which was about $10 a bag at the time. Food can be cheap if you’re willing to adapt. I’m on a lentil kick now.

>>53806903
SOURCE NOW

>>53806590
>$600-700 a month minimum in 2023
You're wasting $7,200 year on your car? Retard

>>53807492
>>53807559
>dude wtf
>retarded lol

Zoomer tier responses. Read the post and drill into your infantile skulls the fact that you do not understand what your mommy and daddy have done for you, little shits.

>>53806590
>600-700 a month for a car
You people are truly fucking retarded. Demoralization bot. Sage in all fields.
>a cheap car, no less
You are utterly delusional

>>53808669
>1-3 year experience salary
$110k is more like 5-8 year experience salary for most non-codenigger professions.

>>53808652
I have a stay at home wife yes, and also help take care of my disabled brother. Hence the 4 bedrooms, higher food budget for the 3 of us, and my life insurance.

>>53808704
Yes it took me 5 years to get here, I do have a degree work helped pay for (cost me maybe $20k for a bachelors) that I’m sure helped.

>>53806590
> Now you’re left with $4,000 a month for everything else
> You’ll need a car, which will be $600-700 a month minimum in 2023
> You still haven’t gone out to eat, done anything for entertainment, gone out with friends, gone to the gym

Tell me you are bad with money without telling me you are bad with money

Live with someone mate, you’ll see so much it’s insane. Better : find a working gf. Shocking I know

>>53808678
As someone who eats sweet potato every day, 25/7 is about 3.50... a day. Sweet potatoes in my area are like 2.50. So the math ain't adding up for my circumstances boyo. Making 6 figs and eating poverty meals just underlines anons point lol.

1. $85,000 - 2bed 1bath 840sqft 8,360sqft lot - 818 E 2nd St
2. $52,000 - 3bed 2bath 1,456sqft - 820 S Pine Ave Trlr 169
3. $16,900 - 3bed 1bath 1,157sqft - 9 Avalon Ln
4. $35,000 - 1410 N 7th Ave
5. $29,950 - 3bed 2bath 1,280sqft - 2 Durwood Ln
6. $85,000 - 2bed 2bath 958sqft 6,950sqft lot - 1323 N Burlington Ave
7.-8. $45,000/$90,000 - 0.25acre lot - 2501 W 12th St # 4
9. $84,900 - 3bed 1bath 1,091sqft 8,276sqft lot - 802 N Colorado Ave
10.-11. $39,500 - 0.45acre lot - A St Lots 18,19,20 North Shr
12. $60,000 - 0.75acre lot - W Osborne Dr
>Honey, I'm all for empty plots of land, and the trailer park seems nice, but if we can afford the inner townhouse we'd be just a skip and hop from downtown. But oh! the laaaake.... But then what about the college campus? It's bike friendly.

>>53806590
>City apartment

How are you spending ~1k per month on your car lmao

>>53806687
>>53807211
>It’s another Euromutts believing an obvious larp post episode

>>53808678
>I am more of a cabbage man myself. Cheap as dirt filling and nutritious as well as other staples like sweet potatoes, carrots, onions, eggs, home made bread.
cabbage is cheap because it has little nutrients, it's just a filler with nice crunch and texture. you have very little protein in that diet -- in fact the only protein source you mentioned is eggs. you have mentioned no meat at all. this sounds like an unbalanced autism diet.

>>53808787
I didn’t say I made six figures. I actually made 7.50 a hour at the time and had bills. I was just pointing out that 400 a month is outrageous. Even if you were eating steak everyday, it’s not a sustainable diet for yourself or your wallet. How many lbs of sweet potatoes are you eating that you can’t make due even at 3.50/lb?
>poverty meals
As opposed to what? Lobster and caviar everyday? Don’t be elitist guy. Nothing wrong with rice and beans.

It should really be more acceptable in the US to live with your parents. I make 6 figures and don't pay burn money by building equity for someone else by just living with my parents.

>>53808829
I also mentioned chicken quarters

>>53808833
>As opposed to what? Lobster and caviar everyday? Don’t be elitist guy. Nothing wrong with rice and beans.

a consistent source of meat based protein, the cheapest of which is probably chicken breast at $3-4/pound. i'm not going to sit here and type out a meal plan but i shop at goymart and eat a very reasonable diet and i'm still pushing $70-80 for a single person.

>>53806590
Sounds like you have 2400 left every month. How does a car cost you 700 a month? Six fig jobs typically have the employer pay insurance.

Learn to manage your money

>>53806590
$100000 income
$80000 after 401k
$52000 after taxes and health insurance
$46000 after roth ira
$25000 after rent and utilities
$21000 after car payment (if you're paying 600-700/month on a budget, you're a fucking moron)
$15000 after groceries
$11500 after gas/maintenance

There you go. In 5 years, you'll have over 6 figs in your 401k, 50k in savings, and close to 50k in your roth ira, which you can use towards a down payment on your first home.

If you're struggling financially on a 6 figure invome, you have a spending problem, not an earning problem

>>53806985
300-500 eur for apartments in city. 800 for a house.

Some countries like Hungary have a very low 10% income tax, Russia only has 13% income tax afaik.

>>53806769
This is about where I'm at and I feel the same way. Wife + 2 kids in a rural area on ~$175k remote tech salary is still not "easy". I basically have enough to provide and save $1-2k per month into the emergency savings bucket. I also put some in 401k but I don't look at that.

40% income tax is a bitch.

>>53808934
ask me how i know that your hole has a spending problem

>>53808802
Before I start going onto the street for a looksies and feelsies, maybe a peeksies, I might want to know how much it costs to friggin live here I guess.
>https://library.municode.com/ne/hastings/codes/code_of_ordinances
Gotta play by their rules *shrug* aand now I'm looking at delinquent property taxes from some rando on 4th street.. god this system is atrocious.

>100k in the midwest

You can get a nice 800ish sqft 1 bed in a blue-chip neighborhood in Chicago for 1200/mo. Obviously if you go to other neighborhoods you can get lower.

>>53808967
Yeah, but the taxes in Chicago are fucking retarded.

>>53808934
40% seems a bit high? You guys are in the 24% bracket and have the standard deduction at least, and the child tax credit for both kids should give you back about $6k? Could you help us understand how you got to 40%?

>>53808967
Alternatively if you have a spouse you can each pay less than a grand for a 2 bed, also in prime lakeview.

>>53808977
Property taxes, yeah. Absolutely obscene.

That's why right now I'm saving for a multifamily like picrel. Then when the Assessor assigns some random (insane) taxable value to my property, I can simply pass it on to my tenants

>>53807315
there's no jobs anywhere there

>>53809002
see: >>53808967 >>53808985

>>53808984
Sounds like a commiefornia issue. Posts of massive tech salaries there do not mention the massive taxes

>>53806590
>4k left for everything after taxes and rent

Americans are so fucking utterly delusional with their galactic salaries holy shit

>>53809029
Tbf those galactic salaries beget galactic inflation.

>>53808984
More is taken out than this calculator adjusts for, since it's not accounting for property taxes, sales taxes, a portion of my income that is taxed higher than the standard tax rate, and a few other things. All in all, it's close to 40% on my spreadsheet.

>>53809078
Gotcha, in no way is this a nitpick maybe just a definition thing. When I figure my taxes I don’t include the pre-tax. The insurance or 401k. Those are for your benefit + you keep the 401k money, so I’d say you’re taxed at closer to 30%.

That said I’m sure you meant your net pay was 60% of your gross pay, which is fair and gets the point across.

>>53806769
>I save 2000 a month and I feel poor.
You should probably kill yourself.

We have a "Hastings Federal Credit Union", "Five Points", "Home Federal", "Heartland", "Lincoln Federal", "Wells Fargo", "Pinnacle" Vodka, "U.S. Bank", "First Interstate", "Heritage".
Those are the banks we'll have to play ball with.
>Have money first - Check
>Credit - Ccchhheck..
>Borrower's rights, predatory lending, and fair housing blahblahblah.....
>HOPE NOW for help paying mortgages.. naah
>FHA HUD more like milk dud

Who's got the utilities?.... Ah refer here >>53808965 to Chapter 32 for rates - that's gas, sewage, electric/street light, and water fees. We're close to a projected cost per year boys don't worry.

>>53807211
You aren’t Lying. I get paid $75k a year but that becomes $51k after taxes and a modest retirement contribution

>>53806915
Spearfish, South Dakota

>>53808192
>Graduated from school a few years ago
>Made 65k in my first role
>Finally making over 100k now
>The goal for a good salary has gone up 40k in tandem with my salary
Fuck everything

>Any agent assisting or offering to assist you with the sale or purchase of a home must be a licensed real estate agent in the state of Nebraska.
Ok well maybe we just give a few calls and see if anyone over there is selling?
>Unlawful housing practices generally include discrimination in the advertisement, acquisition (showing, negotiating for or transmitting offers for sale or rental), financing, or possession and enjoyment (terms, conditions, privileges) of residential property.
No bamboozling, no sleight of hand under the table or in the back, no wishy washy, and no exorcisms and orgies.
>Electronic documents, contracts and signatures are legal and enforceable.
howeva
>All contracts for the sale of real estate must be in writing and signed by all parties to be valid and enforceable.

So once we've found a decent broker or agent that's willing to negotiate with us, maybe help us with all the documents we need, inspections, past values and shit, and once we succeed at negotiating a trust between buyer and seller we go into the whole 'Purchase Agreement' process
>Usually a person who purchases a home needs to borrow the money for the purchase. This will be arranged by a "note and mortgage" or by a "note and deed of trust". When the buyer gets a loan, the property is used as collateral, or 'security' for the loan. The buyer will give a 'mortgage' or 'deed of trust' and sign a "promissory note". Upon 'closing' the buyer receives a deed from the seller and becomes the legal owner of the property. Through the 'mortgage' or 'deed to trust' the buyer promises to do certain things, i.e. make the payments, keep the property "insured", etc., and also gives the lender the right to foreclose and take possession of the property if we does not fulfill the terms of the mortgage or deed of trust..
Sounds easy enough. Looks like we need some numbers on insurance costs. Gonna need a mower too.

>>53809186
too late stupid, not gettin eatin by bears

>>53808681
She's Finnish. Her name is Boku Nopico

>>53807492
The foid has a shopping problem

>>53806985
The thing is that eastern Europeans have the highest rate of home ownership in the world
There's not really a renting culture unless you're a student.

>>53806590
>A basic 1 bedroom apartment, in the Midwest, rents for about $1,400 a month

Should have bought a house LOL

10 years ago, this house was listed for $150,000. FHA Loan, 3.5% down, 4% interest, taxes, insurance, etc. You're looking at less than $1,300 a month. Imagine living in a shitty apartment next to niggers when you could have had this HOUSE **FOR LESS** lololol

My mortgage will increase MAYBE $10 a year, every year. Your rent is likely to be double what it is now in 10 years.

>>53806590
I live off 60k a year. Learn to spend less.

>>53806590
>$1,400 1 bedroom
>in the fucking midwest
Certainly in Chicago. Maybe in a large city like Cincinnati, Milwaukee, Indianapolis, etc. But I live in the Research Triangle in NC, one of the most booming parts of one of the most booming states, and I pay $1050 in rent and my utilities including internet are between $150-180 a month. I've never paid over $60 for water or over $80 for power. I can understand that heating drives up your costs in the midwest but there's just no fucking way that some mid sized city or town in the midwest is more expensive than Raleigh-Durham. If that's true then this country is even more fucked than I thought.

>>53806903
>>53806915
"The average cost of Nebraska homeowners insurance is $2,816 per year for $250,000 in dwelling coverage." We can knock that down to about ~1.5k and that's a bet.
Doable weather: Gas at a starting charge of ~$9-20 from residential to urban/mnth. ($16.00 Energy/700 kWh per kWh $0.0880)($15/month to connect to sewer).
Meter Size/Base Fee($)/Infrastructure Fee($)/Total Meter Charge/Mnth($)
⅝ inch meter - 9.47 - 1.40 - 10.87
¾ inch meter - 14.24 - 2.11 - 16.35
1 inch meter - 23.63 - 3.49 - 27.12...
>>53808802
... I guess I'll go with 5.. even though the google van hasn't made it's way to that street yet and the last image shows nothing there - new trailer home I wager. So if someone wants to make a competitive cost analysis with me against option 2 that'd be cool, just seems easier to close that wallet on our 100k fuck OP home-owners guide.
Aaand let's see that city life.. ah fuck yes, look at these nerds. I'm thinkin trailer parks and barnfestivals might be for me already.

>>53809109
Yes, you're correct. Like you point out, actual tax is closer to 30-35%. I'm not trying to be purposefully obtuse.

After it's all said and done, take home is ~$8500 monthly. Yes, I have great savings/investment safety nets so I feel secure. But I do not live the luxurious life that I was pitched for making 3x the national avg salary. I live a good life, and mostly do what I want, but at $100,000 that would not be possible without my wife working. We would have to cut back on a lot of stuff and my future financial plans would be in jeopardy.

The unfortunate part is that most of my family is impoverished and doesn't see much support from what I pay in taxes. Not sure where the money goes.

Purchase Amount - $30,000 Offer
Broker Fee(?) - 6% $1800
Insurance - $1500
Property Tax - $3,000
Gas - $108+ $$$633
Electric - $192+ $$150
Sewer - ~$250
Water - $132+ $$600
Misc. (School/Trash) - what, $50 a month?
Property Maintenance - that's cleaning and tools for you goobers, let's say $100
Hygiene - uh $17.25
Transportation - i'm not going to calculate a car into this autism
Food - more than $120 a month for one mouth is fucking nuts, and $150 is a healthy pair, with taste
Security - dunno. fences, cameras, laser detection belt feed with heat signature tracking - $12,000
Tech/Comm - fuck that, imma just say $100 and if you can't swing that you may spend too much time in front of a screen
>...
>$42,834.25
round that up to $50K and then consider whatever other personal insurances you may have. i'd say you could pick up any trade and get your feet up and running with no financial sweat.

>>53808192

LOL

The $100k dream was a late 80s concept

It could buy you a high end sports car, 6000 sqft house with land, retirement funds etc.


$350k is the new $100k in currency inflation terms

$500k is the new $100k in buying power terms

>>53810475
absolutely true if you're talking 1980s $100k. i'm talking like within the past 3-5 years, $140k is the new $100k.

>>53809736
post hands you fat sweaty beanoid nigger mutt
>publica manos gordo sudoroso beanoide negro mutt

>>53806590
did you enjoy getting BTFO? Lets' do it again anon :)

>>53807088
>>53807204
Fuck off we're full, go to colorado

>>53810475
If you think in terms of salary you are poor

>>53810475
Yeah I always felt like $350,000 was the "you've made it" number where you can comfortable afford to own a home, wife doesn't work, have rental/vacation properties, send kids to private schools, and have nicer cars.

Not millionaire rich, but the type of life that well-off people in the 80s had.

Every boomer I talk to in my FL neighborhood owns their Florida vacation house, a nice house in New England, and a rental property somewhere else while owning sports cars. When you asked them what they did, it's always some middle management type thing. I assume they were in that 80s $100k bracket.

>>53806590
Colorado is not the midwest
Big cities are not the midwest

>>53808333
Just imagining if my rent was half how easy life would be

>>53806590
I make around $80k and live very comfortably with a 2500 sq ft house in the burbs. My bathroom has a skylight and jacuzzi. I feel like I'm living the life.

>>53810543
>crusty rentoid hands, laden with cheeto dust, typed this post
>in his fury, he forgot that he lives mere inches away from several nigger families
For one, I can guarantee niggers and spics do not comprise the majority of that neighborhood.
Two, if they did - they would have decent jobs in able to afford them. I 100% would rather have some nigger/spic neighbor than some fat, broke rentcuck like you.

Now post wrists, fatboy

>>53808934
Yup, I barely save. Maybe $1-2k in a good month, but $1k+ random expenses pop up regularly enough that half of that winds up getting sucked up anyway.

I'm in an urban area, got lucky enough to have bought my house before shit exploded but it's a 3/2 and my son sleeps in my closet currently. I can't afford to move into a larger house and at this rate never will be able to, so I'll likely move my office to my closet when he's a little older.

I could move out a bit to a more rural area and get a like-price larger house, so that may be the move. But saving for retirement seems impossible. Just waiting for my kids to get a bit older so wife can go back to work buuuut she won't make fuck all, never had a career. My best case scenario is that brings in another $50-60k and decent schools here are going to absorb at least half of that if not all.

Kids are vastly more expensive than adults, the children anons in this thread don't understand that.

>>53808756
Based I do the same

> I have 2400 after expenses what do I do ?

You a fucking nigger brain demoralization incel, You need to go outside touch grass and have sex unironically.

WAGMI

>>53806590

Companies don’t care about employees. It’s all about paying dividends to their investors, and stock options to high management.

I’ve seen some inflation calculators going around, and if you made 3.50 a hour in 1974- it was the equivalent of making between $19-$33 a hour depending on if your calculating against silver.. etc.

The real question, is how do we fix it? Politicians, the fed, and large corporations don’t care at all. They are happy with the way things are.

>>53810871
>brown hands

kek

>>53810871
>brown hands
>flexing a sports car undoubtedly on a 84 month loan
>elated over a $350k loan on a plywood box in a spic-nig hellscape
your life is a joke, everything about you a joke.

>>53806590
let's say you work at Eli Lilly in Indianapolis making $100,000. 24mins outside the city is Monrovia, Indiana. A 4 bedroom 1 bathroom house is 215k asking price. https://www.zillow.com/homedetails/4549-W-North-County-Line-Rd-Clayton-IN-46118/85615325_zpid/
Assuming you buy the property at only 3% below asking, that's 208k.

If you were renting for 1k a month prior to that, you would spend about 20k on total living expenses, assuming another 20k in total taxes, you would have 60k of savings per year. You would be able to buy the 208k 4 bedroom property as a single person with 30% down payment, and you would be able to pay it off in full within 2 more years.

You could buy a new similarly sized house in cash every three years after that. How the fuck is that not enough?

24 hours straight fuckin out, hope you guys make some moneys today. be sure to open that wells fargo crypto account on contract with notary present to the purchase of said property in the name of /biz/ 2023. if they need a human signature or something go here >>>/r/ or /soc/ dunno

My parents are both school teachers starting in the 1980s. They were able to afford a house in VA and my mom stayed home for a few years with kids.
I started in the workforce 7 years ago in a Midwest city at $65,000 renting an apartment in a nice area close to work for $1,000 /mo. My salary quickly grew to 80-90,000 in a few years and put a down payment on a house in 2018. I sold that house for a 50% gain in 2022 and was able to move to a larger house in a better community. I recently checked that apartment I rented 5 years ago and it's renting for $1,400.
I am able to have a nice house with a family. If I were entering the workforce now that may not be the case.

>>53806590
Lying demoralizationfag. My 1-bed place near downtown costs me $900, my utility bill is $30 a month, I make $70K here and it feels like I am a king. You're either retarded or just making shit up, like who spends $400 on their diet?? Are you a fat retard or something? Has the lard encased your brain?

>>53811205
Based. I am paying 1200 a month for rent right now in a 3 bedroom unit with roommates, and I live in the middle of downtown boston. Unless you're renting a luxury high rise studio, I don't see why you'd spend so fucking much in the midwest.

>>53806590
This seems like typical NEET pajama-shitting logic to justify being a undriven, nothing individual.

>>53806590
I only make 70k on the east coast and I'm doing fine.

>>53811141
I will never live in a 1ba house again. 2ba is absolute minimum.

>>53811254
Sure, in theory there is also a 3bd 2ba available nearby Indianapolis.
https://www.zillow.com/homedetails/6724-E-Spring-Lake-Rd-Mooresville-IN-46158/85619512_zpid/

>>53811303
But what if I wanto live in Carmel/Zionsville?

>>53811331
Are those the fancy hipster locations? Still not too expensive, I'm surprised. https://www.zillow.com/homedetails/550-Meadow-Ln-Zionsville-IN-46077/85120932_zpid/

>>53806769
>cant make it on $180k
Thats on you buddy.

>>53810915
>Kids are vastly more expensive than adults, the children anons in this thread don't understand that.
What is so expensive about a kid? They eat like half as much or less than an adult and their medical should be covered under your work insurance, right? Like what more are you spending on them?

>>53808967
>living in a building

>>53808700

you obviously have a spending problem, you sound like a poor farmworking beaner with 4 kids but in reality you're making triple the median wage in america and live paycheck to paycheck? if i looked at your monthly income/expenses i would probably laugh at all the retarded shit you spend money on.

>>53810390
Very fair. I’m in the same boat. I live a beautiful life and can provide for my wife and really help my brother. It’s wonderful. But we’re very middle class. 2200 sqft house, 2 cars that are 10 years old in good shape, our vacations are road trips and maybe 1 flight a year. It’s a great life, but most wagies think my income should afford some insane lifestyle.

>>53811494
Private schools is what most people mean. $10k-$50k/yr. Childcare itself can be wild depending on what you do

>>53812121
Don't send your kid to private school, there's no point. They will get into a better college by smurfing valedictorian/salutatorian at a shitty inner city school.

>>53808956
Lmfao that's exactly where I'm at
>120k/yr lcol
>Can't get hole to understand basic budgeting and finance
>Demanded a new family car cuz we need space
>$900 car payment at least it's only 1.9% but still
>Cheaper to keep her financially speaking
Fuck it, at least she didn't get fat after 3 kids. Thinking I'll buy her some tits next year to help me cope

>>53812836
>honey we have two kids it's time to face facts
>we absolutely NEED a $90k SUV with fourth row seating

>100k a year
>8.3k a month

I don't even know what I would do with that much money lol. I put 1/3rd of my income into savings last year. What the hell do people even buy if you're not into cars or really expensive stuff like that? If I made that much money I would just give a lot of it to charity or my poorfag friends

>>53811303
>>53811141
You could also consider a multifamily property. Especially one in a gentrifying area.

>rentoids pay your mortgage
>property tax goes up? raise rent

Here's a good example. Oh and you don't need a car here, either. 10 minute walk to a rapid transit station, plus theres a
>gym
>grocery store
>large city park
>restaurants/bars
All within walking distance.

>>53811229
1200? Where? That seems pretty high. I moved on from roommates in 2022 but I was only paying 750.

>>53811141
That’s a fucking shack dude, women’s pussies would literally dry up when you showed them that shithole

>>53812680
>shitty inner city school.
child abuse

OP is a spendy faggot. $1400 for 1bd apartment in fucking Kansas? Faggot. $700 a month minimum for a car? Save up to borrow less and don’t buy a brand new zogmobile. Faggot. $200 a month in gas to get to work and you spend $1400 for a 1bd? Look at a map before you rent. Faggot. You probably spend money on other j*wish bullshit like streaming services and gym memberships. Pirate shit online and do push-ups and burpees at home. You massive j*wish golem

>>53813088
30 Hemenway street, Boston
>>53813277
It's 4 bedrooms and 1800sqft on a large plot of land. How much do you need?
>>53813682
You can also send them to a regular suburban public school or an elite magnet school (possibly on scholarship).

>>53813842
>$200 a month in gas to get to work and you spend $1400 for a 1bd?
This as well. Either pay a shitload to live in the city within walking distance of work and have no car, OR live far away and have a car.

>>53813842
So you’re saying that $100,000 can’t even get you a nice 1 bedroom apartment and a decent vehicle but it’s supposedly a high salary? Lmfao, you’re literally proving the point, even on a 100k salary in the Midwest you’ll have a low standard of living and have to penny pinch and live in some roach infested shithole

>>53814021
Yes, 100k can't get you everything luxurious quickly. It can however buy you a new house every 3 years in the midwest if you're a penny pincher.

>>53806590

The Midwest is some of the lowest paid, least regulated areas in the US.

If you want to be a slum lord, or high illegals for construction work, most of the Midwest allows this, it’s all part of the “right to work” program. As they call it.

They also like to grab guns under several laws. It once was just felony charges but now simply getting into a fight and being charged with disorderly conduct with a modifier can result in losing “gun privileges”

>>53814021
>thinks 100k gets him an entire lifestyle instantly
>gets expensive tiny apartment 75 miles away from work
>gets car loan with 5% down over 6 years
>$200/month in gas
>buys a bunch of j*wish trinkets and services
>muh gym membership breh
>complains that he only has $500/month now
You’re a j*wish golem that needs to be 18 to post here

>make $100k for family of 4 in CT
I don't know how much longer I can do this. My wife is in school.

>>53806590
>A basic 1 bedroom apartment, in the Midwest, rents for about $1,400 a month
900 bucks gets me a 2 bedroom apartment in the KC metro. Don't know where the fuck you're looking to live at.

>>53812875
Holy fuck that's literally how it went down. Previous car was a paid off Chevy equinox, hadn't had a car payment since 2016 but we 'had' to size up. Now I gotta job hop again to get my cashflow back up

>>53814189
>If you want to be a slum lord, or high illegals for construction work, most of the Midwest allows this, it’s all part of the “right to work” program. As they call it.
Even in a heavily regulated place like Chicago, my last landlord is an immigration lawyer and he'd hire mexicans he represented to do contractor work kek

i make roughly 70k/year
my mortgage (4 bedroom 2000 sq ft) is 660/month
my electric/gas bill is 300 during winter 150 during summer
my car is paid off
the only other bills i have are water(100/mo) phone(150/mo) and internet (30/mo)
i have no commute and a company vehicle

>>53815598
>phone(150/mo)
How?
You using a family plan or what?

>>53808967
This is in uptown area. Not really the best.

>>53815740
once i pay off my wife and i's phone it'll be like $90/month

>>53814189

Right to work is a cancer and so are the tards who support it. However it’s pretty nice having largely Republican sentiments here. Plus some states here are going constitutional carry. Be smart and keep your rights is the way I see it, also TND.

>>53815532

Hilariously, you always get what you pay for. My family had some Mexicans do work for them 3 years ago and it’s fucked up.

I make jack shit annually but i have decent credit. Thinking about applying for a personal loan and buying some land and have my family build a small house for me, but seems like 80k is the highest wells fargo will go. Dont know any other way to get a90k + loan.

>>53807315
i drove through lincoln and its full of niggers. Omaha too.

Oh I live in my new construction big stupid house for my family and we're financing my SAHM wife big dumb SUV for """safety""" while she spends cash all day as entertainment for her and the kids and the kids programs and sports, and then I need my financed big boi car and we wanna go to Disney but it's just too expensive!!!

>>53815530
Well, you'd be spending about $2700+ for daycare for 3 kids, so a $900 car as entertainment for your no-job wife is worth the trade to keep the peace. Unless you think she could pull a high enough salary that having endlessly sick children raised by strangers is worth it then..

>>53806590
>six figure salary meme
is this the first time you've noticed they were lying to you for decades with the "inflation is 2%" meme

news flash it's probably been 6%+ for your entire life time and possibly much higher. Today try 15%

>>53815530
>Chevy equinox

Everyone I see driving these dumbass cars are 95 IQ white women with zero awareness of how they should be driving in traffic.

>>53816493
Home building costs are ridiculous right now, you're far better off buying a piece of shit and renovating it.

>>53806590
Feels good to not be a rentoid with a 2.3% fixed 30 year mortgage near DC. I pay 1550 P&I and about half goes to principal so I’m only really “losing” 775 plus 400 a month property tax and insurance but I have a house that’s appreciated by 150k since I bought it. That’s what you get for being a rentoid

>>53806985
They have like 1000 year leases so it’s not comparable

>>53806590
I live in evansville IN, make 100k, age 25, gf lives with me
>6k/month after taxes
>2k/month mortgage, decent starter house
>800/month food, nothin fancy
>300/month utilities
>paid off hybrid car, wfh, little gas necessary, maybe $25/month
>health, vision, dental, 100% covered
>save 500/month in roth IRA
>save 500/month emergency fund
>save 1k/month bitcoin
>typically have a decent surplus, been saving it for vacationing this summer

Everytime i see a thread like this it’s just more proof that Americans would not survive in the hellscape that is australia. You’re all so fucking spoiled and dont even realise it.

>>53806590
>Midwest
>make roughly 40k
>30-35 hours a week usually
>roughly 8k taxes —> 32k
>about $2,500/mo
>paying $730/mo insurance and car payments (got 8 left till this baby is officially mine)
>myself and 5 others living in a 3br house
>rent +utilities is about $340 each
>$150/mo on consumables — plenty of meat and veggies
>send little sister $400/mo(she’s taking care of our parents)
>university gym $20/mo
>phone bill $20/mo
>gas $80/mo
>eating out $80/mo

After all expenses putting away around $600/mo (and around $1,100 after I finish the car payments). If you’re not a demoralization chud, how are you putting away less than someone making half your salary? If it’s really that bad for rent, see if you can live with a few friends or with family and split the costs. And how are you eating $400 a month? FOR $400 you better be feasting on steak, lamb, and salmon 4-5 times a week, otherwise your just not shopping very smart. Actually wait, are you including cigarettes, scratch cards and alcohol into groceries? Because if you are, the answer is pretty simple, stop buying them.

>>53806590
I earn far less than $100,000 and yet have enough saved up at the end of the year. I also invest because only a faggot depends solely on Salary, I gain passive income from real estate, and I buy with crypto so that I can earn cashback on it.

>>53818037
You have 6 people living in a 3 bedroom house and are bragging lmfao. You are a literal Mexican

>>53818100
I’m Levantine, and I have my own room.
(My friend took the basement). It’s not a bad way to live my guy, nor was I showing off.

>>53818100
Lmk if any of the points in the post could help you save money. Btw how old are you might I ask? 100k/yr is a lot for for a recent graduate so i imagine you’re closer to 30, and keep in mind that you’re likely to go even higher by the time you’re 40.

>>53806590
you don't have a passive side income to cover your bills so you can save your entire salary? in the year 2023? with all of the free knowledge and tools at your disposal? ngmi

>>53818383
>lmk
>btw
>first letter of every sentence capitalized

Holy fuck Zoomer phone posters need to get the fuck out of here. No wonder you only make 40k.

>>53818059
Smart move, here in Cyprus, buying real estate property with cryptocurrency is very common, mostly through Kensington; I bought my first house through them last year and paid via Utrust.

>>53818598
Millennial, do you feel it? The reigns of destiny slipping from your hands. You can only shout and scream at the inevitable but it shall not slow for you. Your merger savings and short time left will not change your loneliness and heirless dwelling. Truly you must caress the blades of grass yonder. Old man is that a lilezr4u?

$1400 1 BR, $700 car note, $400 grocery bill for one person is extremely luxurious

>>53816817
I suppose that is a silver lining. Having a housewife works wonders for the kids sports, doctor, and activity crap they seemingly have to do every week. I don't know how working parents even raise their kids properly desu
>>53817592
That's mine. Now she drives even more aggressively in a much bigger and deadlier telluride and you should probably not drive anymore

>>53819313
why would you breed with someone like that?

>>53819553
Because i love her

>>53819553
Anon you will find your dumb wife one day who complements your life too — and you’ll have the same reasoning as everyone of us. Because you love her

>>53812919
Faggots are into things. Things can be traps to keep you wanting till death.

>>53806590
Faggy bait threads like this are why zoomers consider themselves under the poverty line unless they're making $200,000+ per year
>$400+ dollars per month on food not even counting eating out
>Almost $1000 on car payments
>"Only" $2400 per month left over
>Somehow burn through all that too on miscellaneous expenses
CONSOOOOOOOOOOOOOM

>>53806590
>basic 1 bedroom apartment, in the Midwest, rents for about $1,400 a month.
That's insane.

>>53808827
What do you mean people can save money while living in a low cost of living area.
The problem with people in the US is that they spend all their money on shit they don't need.
It's the spending, cut like 80 percent of your costs and live somewhere You can walk to work and you'll save so much money.
Secondly, investing into things that go up in value over time is better than buying expensive clothes/Jewelry/consumerism.
Just lower your cost of living, save your money, invest some money when the markets are down and hold your investments/Savings.

>>53808846
>It should really be more acceptable in the US to live with your parents.
It is, no one cares you live at home.
>I make 6 figures
Good for you, skipper.
>and don't pay burn money by building equity for someone else by just living with my parents.
Well funny you mentioned it, I don't have parents, so good for you on that one.

>>53808967
Imma just buy a quarter acre and live in a tent.

>>53806590
I don't understand why governments want some inflation. Surely stability is better than growth simply by making money worth less? What wrong with having stability in people's lives, little things like bread always costing $1 or rent being the same for 50 years goes a long way towards people's happiness and contentment.

>>53809029
>Americans are so fucking utterly delusional with their galactic salaries holy shit
And the best part? They spend it all, every month.
I can't wait for btc to go to 100k.

>>53810475
>$350k is the new $100k in currency inflation terms
>$500k is the new $100k in buying power terms
>t.spoiled trust funds.
Well I found your problem, you wanna live like a Rockstar with millions of dollars to your name.
You wanna have a mansion, a luxurious sport car and hundreds of acres of land.
This is the stuff only multiple millions millionaires have.
100k USD is alot of money. You're world veiw of the dollar is spoiled rotten.
Likely due to years of watching Hollywood Jewish propaganda.

>>53808909
Maybe somewhere in Romania, gypsy. In Prague it's well over 1k Euro for a fucking two bedroom flat.

>>53822713
based byzantine peasant take on inflation there duder

>>53806990
Lol go look at rent in Minneapolis or Chicago then. Or Denver. They’re around $1500 a month for a 600sq ft 1 bedroom. And that doesn’t include utilities or parking in most cases.

>>53822692
I'm 32 living with mom saving huge amounts. Women will ghost you when they find out your living situation. So yea unless you want to never marry good luck with living at parents home as an older adult

>>53822806
he probably meant louisiana rather than los angeles. kek. i pay $1400 a month for a 1 bedroom cuckpartment that is 5 minutes away from one of the worst nigger ghettos on the east coast (trenton nj.)

thread is still alive? impressible

>>53806590
This was my life as an aerospace engineer with a 70k/year job in a small shit Canuck city. Covid sent housing prices insane. Rent went from ~950/month for a nice 2 bedroom apartment on the city outskirts, to the same unit going for 2000-2300/month. 1 bedroom rentals in literal crackhead zones even go for 1500.

Even if I lived an anti-consumerist lifestyle I'd be lucky to save ~300/month. Things just keep getting worse, as the prices of everything go up but my salary barely grows 1-2% per year. And one problem with my car would wipe months of savings.

I'm trying to go back to school so I can get some niche skill and substantially raise my pay, because at this rate I have no hope. Even fuckers during the great depression could save pennies and have hope to one day afford a home, it's not even within reach anymore.

>>53809736
You’re cringe posting this epic win story in every thread about renting. I’ve seen you at least twice now and it was cringe both times. Congrats your gen x and was actually old enough at the right time to buy back then. Most of us on this board were in middle or high school then you dumb fuck.

>>53809959
I live in MN and basically any decent 1 bedroom here is $1500 a month unless you want to live in the literal ghetto. Then you can pay $1k a month.

>>53814021
As you can see by my posts and others, you’re wrong. $100k goes very far in the midwest. It’s not being rich, but it’s very upper middle class

>>53808934

dude wut. You are noobing your taxes hard if you are paying 40% with 3 dependents. Your wife must be working as well.

>>53806590
>live in Chicago
>big city salary
>buy a condo for $90K cash in a boring low crime middle class neighborhood

Comfy

>work remote in rural Minnesota
>shitlibs ran cable internet into the middle of nowhere
>never see a nigger unless I go to twin shitties
>wife doesn't work so I don't pay much taxes and qualify for gibmedats

>>53819313
>I don't know how working parents even raise their kids properly desu

thats how new trannies are made

>>53806769
>>53808934

Look, I know times are tough, but cheer up, Zelenskyy's doing great things with your money.

I make 15 dollars an hour

>>53807537
/thread

>>53812680
You fucking sick fucking retard, you literal troglodyte, you have no idea what dystopian hell a US public school is. I can't speak for other states, but in NC even if your school is in a white area they will bus in "disadvantaged" students from two countries over to turn the schools into hell. Plenty of white trash to go around too. My father stretched his finances thing to send me to a private Christian school (even when I was ungrateful) and I will always owe him for that. You are lower than an animal if you send your children you public school, I am so fucking disgusted by "parents" who do that. If I talk to someone and find out they send their children to public school my mood instantly changes, all I see is a literal pile of shit infront of me. Fuck you, you cowardly piece of shit.

>>53829322
>>53812680
I'll cut you some slack because maybe you're from a white area like the NE, but your experiences do not go for the South.

>>53806985
$0, people build homes for cash and theres no property taxes

>>53819313
>I don't know how working parents even raise their kids properly desu
They don't, look around.

>>53817827
Enlighten us, I literally hear nothing about Australia. It's like it doesn't even exist.

>>53823215
It’s a great life I agree.

>>53823188
you live in a box nigger

>>53829686
>>53829711
>Just live in a shit shack out in the sticks bro
>Just repair and maintain a dwelling that will only keep losing value
>Equity is a meme bro

>>53806620
Based.

Living with rich boomer parents is the way of the future.

> inb4 tradcucks explain why you need to move out on your own and wife up a roastie in your cuck shed

>>53830050
try not to get shanked by a nigger

also spring valley is within one of the largest micropolitan areas in the country, 160,000 population within 30 miles

still no nigs though, less than 1 percent

also brookings is one of the bigger cities in sd

still no nigs

so not "in the sticks", you disgraceful faggot

>>53808681
i think it was a superbowl pick. it's probably something from canada.

>>53830378
Shut the FUCK up you degenerate flyover NIGGER.

>>53831929
cringe

>>53806590
>Car will be 700 a month
lmao no reason why this should be above $400
>250 a month for health insurance
thats what the job is for
>400 a month for groceries
I'm in california and pay almost exactly that, I feel like you could probably cut back on that if you really wanted to.
>Left with 500 a month
50 - Gym
1000 - pretax 401k (effectively 700)
500 - roth / downpayment / or savings

Thats 250 a week left for whatever you want

>>53822817
1400 is doable in LA. You just have to look. Zillow is Zogged and I don't trust it at all.