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54338315 No.54338315 [Reply] [Original]

You niggers are the problem.

>> No.54338322

lol lmao even

>> No.54338360

>>54338315
what the fuck are people spending money on...
$20 hourly starbucks drinks?
$100 + tip doordash delivery twice week?

fucking nigger tier money management

>> No.54338386

>>54338315
>50% of 100k+ are living paycheck to paycheck
How is this even possible?

>> No.54338461
File: 431 KB, 580x371, 89c15f3252abfd4207eda3d302e3da3c.png [View same] [iqdb] [saucenao] [google]
54338461

>>54338386
Their mortgages are 4k/month because they can finally 'afford' it

>> No.54338493
File: 10 KB, 211x246, 1678478499341778.png [View same] [iqdb] [saucenao] [google]
54338493

Embarrassing. Couldn't be me.

>> No.54338531

>>54338386

Consooomer mindset where they have to spend every cent the split second they get it and even when they don't have it they put it on credit.

>> No.54338540

>>54338461
Those look exactly like the gypsy "mansions" here in Europe.
Tacky af. Something with columns has to have a corresponding surrounding. It's ok for someone in athens to build a house with columns but nobody in Denmark would do that.
The US are a gaynigger gypsy country.

>> No.54338550

>>54338461
>4k a month gets you a literal mcmansion
>4k a month here gets you a 1 bedroom apartment at best, more likely a studio
fuck australia

>> No.54338583

>>54338315
If weed was $3.99 a gram it's still 1000x more expensive than most fruit and veg. But I would be able to have a savings account. Why the fuck is it so expensive?

I'll work your shitty mcdonalds job if you just let me have weed you fucking selfish bastards.

>> No.54338601

>>54338461
>garage in the front
trash

>> No.54338655
File: 139 KB, 850x492, mountain-towns-usa.jpg [View same] [iqdb] [saucenao] [google]
54338655

>>54338386
>Safe (non-black) areas are expensive.
>Safe cars are big, gas hungry, and expensive.
>Food and utilities cost more than ever (big houses feel the pain more).
>Taxes are high in many places.
>People are differing some of their income into retirement plans.
>Some money is being put into retirement plans like Roth IRAs, after being taxed.
>Silver and Gold premiums are going up, and people are buying those to protect against sudden inflation.
>Ammo is expensive, and the threat of a society-wide breakdown increases by the day, so people are buying ammo and semiautos.
>kids clothing and other kid-related costs are going up by the hour.
>People stupid enough to take the vaccine are dealing with health problems and that costs money.

There are many reasons. My wife and I pull in above 150k. We have nothing left in the bank at the end of the month, but we do keep one month's worth of expenses in a savings account. Living paycheck to paycheck does not make me feel dumb, because I am setting money aside into long-term investments, inflation hedges, protection, etc.

Ripping on people who live paycheck to paycheck contradicts ripping on people for having cash that sits around and does jack-shit.

I'll stay in the USA only as long as we have the Second Amendment. Without that, there are 5 countries that are better for my family. For now, this is the best place in the world to be while we wait and see how the "jews win WWII" timeline plays out.

>> No.54338714

>>54338655

>I need a giant car to feel safe

Faggot detected

>> No.54338797

>>54338714
>I need a giant car to feel safe
Faggots don't have offspring, retard. Gaint cars are because I have four kids and car seats are huge. And larger cars are safer -- ask an EMT which cars win in crashes. Common sense.

But you, I think, should get a motorcycle. They are very safe because you can zip away from danger. Don't buy a helmet, please.

>> No.54338796
File: 24 KB, 569x428, consider_the_following.jpg [View same] [iqdb] [saucenao] [google]
54338796

>>54338386

My W2 wage this year was $203k. Base salary was ~$165k. Cash bonus and vehicle allowance that gets counted in W2 wage. Sole household earner w/ 2 kids under 5 and a dog.

>paycheck (every 2 weeks) is $3480, so about $7k/mo. this is after 401k match (6%) and company car (~$365/mo for car which includes insurance)
>mortgage is $1800 (~500k home with 3.5% 30 year fixed, no PMI)
>home insurance: $190/mo
>natural gas: ~$120/mo
>water: $50-100/mo
>electric: $100-$200/mo
>internet: $80/mo
>wife car insurance: $80/mo (car is paid off)
>tv + phones: $150/mo
>$667 / mo goes into general emergency savings (home depreciation / maintenance, vehicle maintenance, etc) <-- this gets fully burned every year
>$500 / mo goes into maxing my IRA
>dog food: $100/mo (dog has a picky stomach)
>activities for children (gymnastics, swimming, babysitter / mother's helper, etc): $1200 / mo
>gas for cars: $200 / mo?

So it seems like I have money left over, right? Yeah, that's only because the kids are under 5 and only because I make $200k and not $100k. Once they start going to "real" school, I will get absolutely hammered by private school costs and/or more costly afterschool sports and activities. And this is with a very fortunate situation in general (wife's car is paid, no elderly / sick family members, no special needs kids, not a very HCOL area).

>just go to public school!

Okay! Then double the mortgage / make the home at least a million dollars.

If we had two cars to pay for, an aging parent in need of care, or older kids, we'd be living on the edge. I do understand that contributing to 401k and IRA is by definition NOT paycheck to paycheck, but I figured I'd share the basic balance sheet of a full adult household so that people can understand how quickly the money can disappear. It's really easy to live paycheck to paycheck on $100k if you have kids and parents to take care of and lots of people depending on you.

>> No.54338810

>>54338540
>waa waah you cant do that because I dont like it!!!
pretentious europoor as usual, you also the type to preach pizza should be made in certain way with certain topping dont you?

kys europoor

>> No.54338825

>>54338796

Oh, and I completely forgot FOOD in this high-level budget. Food has gotten absolutely ridiculous. Groceries are INSANE near me.

>> No.54338863

>>54338360
yes, also zoomers love funky-pops. No idea why.

>> No.54338871

>>54338796

NOOOOO I JUST HAAAAVE TO HAVE THESE THINGS!

>> No.54338955

>>54338871

You don't have to have anything. Go live in a cardboard box in the woods for all I care.

The point is that you don't have to be completely nigging out with your budget to see $100k disappear. You can live a fairly normal middle class life with a normal house and normal cars and normal clothes and reasonable budgeting and see it completely vanish in today's hyperinflation clown world.

>> No.54339034
File: 87 KB, 718x684, 1673123962074617.jpg [View same] [iqdb] [saucenao] [google]
54339034

>>54338360
Rent and food and israel you faggot

>> No.54339095

>>54338796
make your wife get a job, faggot!

>> No.54339120

>>54338360
>>54338863
Your job exists purely because somewhere someone is spending money. If the economy doesn't pay 20 year olds enough to afford to blow their cash, then 30 year olds pretending to be boomers will be out of their jobs and in the unemployment line with the 20 year olds. Simple as.

>> No.54339224
File: 264 KB, 547x596, gigachad says.png [View same] [iqdb] [saucenao] [google]
54339224

>>54339095

>just let strangers raise your kids!
>"no"

The kids are under 5. The wife breastfeeds the youngest (that's feeding every 2-3 hours, 24/7). I'm not dumping my progeny with strangers for the entire day.

The wife might go back to work (part time) when they're old enough to go to school every day. Even then, I'd prefer her to be home. By then I will make the career leap for it to not be an issue.

>> No.54339293

>>54338360
They need to spend more money on electricity by mining BTC. Everyone knows paying tax to the government on your electricity bill stops the Jews from fucking with the bank system because POW is literally energy in transferred form AKA real fucking money not Jewish Tricks. When I pay my electricity bill, tax free as I am a sovereign citizen and tax laws dont apply to me as a BTC miner engaged in illegal activities against the government, the money I spend to mine BTC does not go to the government because energy companies are private not public businesses huh sucks to be you living in some third world shitwhole pal but here in my country BTC mining is totally a real anti government activity bro I just need to keep paying and the number keeps going up and things are getting worser so I am doing something right

>> No.54339312

>>54338315

No idea. I make $210k, wife makes $120k, we also have a rental property. I have like 8k left over every month.

>> No.54339325

>>54339312
Mine BTC bro pay your electricity bill end the government simple as

>> No.54339559

I too live paycheck to paycheck, all my money goes into INTC and USDT

>> No.54339590

>>54339559
should have bought BTC paid your electricity bill and ended the FED bro

>> No.54339913

>>54339325
>>54339293
Take your meds you freak.

>> No.54340246

>>54339913
pay your electricity bill end the fed with BTC simple as seeth kike

>> No.54340744

>>54338871
You actually do if you want your children to not go to some shitty public school. Good scholarships are pretty heavily tied into sports and after school activities. It's also a good way to socialize your kids and give them a hobby so they can network and make connections. I'm right there with you on the consoomerism bad train, but this guy is trying to actually swim through society and that's a lot harder than just giving up to live off grid.

>> No.54340764

>>54338796
Is your wife too stupid to homeschooling your kids??
It's literally free and they won't get molested or turned into a tranny by the teachers (private or public, doesn't matter)

>> No.54340812
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54340812

>>54338796
Nice larp.
Excluding the bonus to ignore the 6% towards 401k
your biweekly check is too low.
youd have to live in california and get taxed at the maximum brackets for state and federal for state and federal(13% and 37%) and all of your money has to be taxed at this rate ignoring the tax bracket system, for your checks to be 3500~.

>> No.54340821

>>54338955
$97,300 is the low-income threshold for a family of 4 in California. 100k just means that you are part of the middle class.

>> No.54340876

>>54340812
I make about 200k and my biweekly paycheck is about $3700. He might take out extra for HSA/FSA, insurance, various bennies.

>> No.54341080

>>54338386
MUST CONSOOM
MUST KEEP UP WITH JONSES

>> No.54341159

>>54339224
>>just let strangers raise your kids!
Grandparents should raise them.

>> No.54341302

>>54340876
So given 5500 a check after taxes you spend 2k on bennies hsa/fsa and insurance? so i am assuming the both of you pay for some kindof malpractice insurance?