/biz/ - Business & Finance

[Anonymous No.57334393]

is 100k-120k middle class, /biz/?

[Anonymous No.57334403]

It's like making 60k in 2004.

[Anonymous No.57334420]

>>57334393
depends where you live and how much you consoom. it can be

[Anonymous No.57334428]

>>57334393
I refuse to believe that there are people living paycheck to paycheck with a 100k salary

[Anonymous No.57334429]

>>57334393
Boomers still think the $100k salary is a mythical barrier to upper middle class.
>>57334403
Try 2019.

[Anonymous No.57334450]

>>57334428
happens all the time man. all it takes is living outside your means for a while

[Anonymous No.57334463]

>>57334450
I refuse to believe that people are smart enough to land a job that pays $100k but too stupid to handle they expenses
it's all tiktok bait to get reaction comments

[Anonymous No.57334467]

>>57334393
Yes.
>>57334428
That's because you don't have kids and/or are from the third world (e.g Philly)

[Anonymous No.57334478]

>>57334393
>is 100k-120k middle class, /biz/?
Nope, that is borderline poorfag wage now.
Women (the most accurate barometer of status) know this, and they've updated their income requirement.
You need to make at least $250K to be comfortably middle class.

[Anonymous No.57334479]

>>57334463
Being smart isn't a requirement for a fake work email job, you just have to know the HR roastie doing the hiring.

[Anonymous No.57334498]

>>57334463
you not American or something? a lot of mid level corporate jobs are close to $100k now. and suburbian women didn't get smarter.

[Anonymous No.57334546]

>>57334393
1000 groceries No kids?
Wtf are you a sumo wrestler?

[Anonymous No.57334550]

>>57334498
>a lot of mid level corporate jobs are close to $100k now.
nope, that's a lie

[Anonymous No.57334580]

And yet the median salary is still in the high $40k

[Anonymous No.57334613]

This dumb faggot is spending $4400 on rent and groceries. It is true that $100k is shit nowadays but come on…

I’m working 2 remote jobs for $210k, finally am able to relax a bit about finances.

[Anonymous No.57334619]

>>57334393
No, there is no middle class.

[Anonymous No.57334670]

>>57334546
yeah I dunno how the fuck do you spend 1k on groceries a month SINGLE. maybe eating fast food every day?

[Anonymous No.57334713]

>>57334393
define middle class. if its a family of 4 with a house, 2 cars, a vacation per year and savings yes 100-120k is middle class, but barely. more like 150k to start and 200k is upper middle class


>>57334428
after taxes, 3500 rent and average 800 dollar car payment there's basically nothing left over after core expenses.

inb4 herp derp move somewhere rent isn't 3500. Sure, then you'll make 40k instead of 100 and still be just as broke.

[Anonymous No.57334729]

>>57334580
national average for full time employment is high 70s. 40k is counting part time mcjobs

[Anonymous No.57334738]

Remember Mr. Sheffield from The Nanny? That is the proper middle class, when Politicians say muddle class, that is who they are really referring to.

What most people think is middle class is actually the working class, but people have been trained to think working class = poor.

[Anonymous No.57334836]

>>57334428
>used to work in the debt team at a major bank
>used to fags on 6figure incomes in massive debt onna daily basis
People are retarded and make retarded financial decisions all the time

[Anonymous No.57334913]

>>57334393
I make about 120k in Texas big city and I feel like a king. I never not feel like I'm losing money. A lot of these fags don't combine their spouses wages in these types of videos for sympathy likes. Any guy on tiktok is a mega fag

[Anonymous No.57334915]

>>57334393
>no fun
>care
>subs
>credit cards
Looks like a lot of fun is being had.

[Anonymous No.57334931]

>>57334738

The middle class has never been larger than the USA from 1950-2000. That was an anomalous time, when even idiots could make good money and live big. We're regressing back to the mean. The usual human normal is something like 60% lower class, 35% middle class, 5% upper class.

[Anonymous No.57334952]

>>57334931

If we go by a medieval European societal structure, it's really more like 80% lower class (peasants), 15% middle class (merchants/tradesmen), 4% knights/clergy, and 1% nobility.

[Anonymous No.57335002]

My only sub is Spotify. Learn to pirate. Food can be less than 500. Phone bill can be 40. 3700 in mortgage means he bought more house than he needs.

[Anonymous No.57335046]

>>57334478
>Women (the most accurate barometer of status) know this, and they've updated their income requirement.
That's the requirement to achieve their hand in a long term relationship, which is funny because short term relationships/ONS is all they'll get. Now I think about it, it's almost like they want to sleep around until 28/30 and then latch onto a well off man. Crazy, I know.

[Anonymous No.57335096]

>>57334729
Think that's average. Median is way lower

[Anonymous No.57335207]

>buys a $550,000 house at 7.5% interest
Ahahahahahahahahahaha

[Anonymous No.57335254]

how the fuck can you spend 1000$ on groceries...

[Anonymous No.57335395]

>>57334393
Health insurance for a family is $900 a month if you work for a fortune 500

[Anonymous No.57335425]

>>57334738
>Mr. Sheffield from The Nann
is this some boomer tv meme

[Anonymous No.57335457]

>>57334393
>>57334546
>>57334670
>3700 mortgage is Roughly ~$585,380 Home loan
>Utilities is fine, slightly high
>Insurance is high, either state has flood insurance or he has expensive cars
>1000 groceries is him being a retard and eating out 3+ times a week
>300 pretty ridiculous unless he lives in CA/IL
>400 Student debt, He shoulda handled that before getting car debt
>250 Credit cards, not bad
>100 Subs, Insane

Should be doing at minimum 500/paycheck into savings/401k. Reckless

[Anonymous No.57335470]

> $150 phone
> $400 student loans
> $500 car
> $250 credit cards

The classic "oh shit necessities didn't cost as much as I thought. I'll just add every form of debt I can"

[Anonymous No.57335501]

>>57335254
We spend like $700/month for 4 people and that includes shopping at local butcher, local produce market, not buying goyslop, etc... so that's a baffling amount to spend

[Anonymous No.57335801]

I make almost the exact same as him and my bills look like this:

>Mortgage: 1900
>Power, gas, water, internet: 200
>groceries 800
>phone 10
>student loans 0
>car loan 0
>care 0
>subs 0

I saved 30,000 in the last year. You just gotta be frugal and driver a beater, there’s no point working unless you’re saving thousands a month.

[Anonymous No.57335826]

>>57334393
>home: 3700
>no kids
yeah, i think i know where his problem is

[Anonymous No.57335948]

>>57335457
Even that is depressing. Wow 500 whole dollars a month saved?? Thats like 6,000 dollars a year! That’s so much money bro, you can buy 1% of a house for that!

[Anonymous No.57336046]

>>57334428
1/3 of paycheck to taxes.
1/3 of paycheck to ESPP/401K/Insurance
So now you're at 2.8k a month on 100k.
Rent is anywhere from 1k to 2.5k. If you go to a bar every night to cope with the fact you only make 100k that's 600 bucks right there if you're just drinking the cheap shit. And boom, youve already blown past your monthly spending money without even eating. 100k is nothing.

[Anonymous No.57336259]

>>57334393
$500 car
$800 insurance
$1000 groceries (with no kids)
$100 in subscriptions
$250 credit cards
$100 care
> oh no where did all of my money go
Also a $3,700 mortgage payment is crazy for someone only making 120k.

[Anonymous No.57336315]

>>57336046
>Rent is anywhere from 1k to 2.5k.


Get a roommate.

>Hurr durr living with other people
That's why you buy a house. I'm 28 and have had a roommate for althe last year and it's the best financial decision I've ever made. I've been able to save significantly more money and pay down debt.

[Anonymous No.57336386]

>$3700 monthly on rent or mortgage, meaning over 44k per year paid, prices on housing like this don't exist outside of major cities
>$3k a year spent on credit card interest payments because credit cards are carrying a prior balance
>$300 on gas in spite of living in a major city where driving a car is largely pointless
>$150 on phones, plural, but no kids
>$400 monthly student loan payment apparently
>6k a year on a car in a major city
>the fuck is care?

There's a lot about this that just doesn't fucking add up at all.

[Anonymous No.57336432]

>>57334428
My coworker and his wife make a combined $250k and they're paycheck to paycheck. He actually showed me his checking account which held a balance of $66 and told me that's what he has to get him through the week until payday. My wife stays at home and I bring in $135k on my own, we're doing just fine. Our total monthly expenditure is ~$3k for everything, and with maxing out my 401k and ROTH, paying for insurance, and getting raped by taxes, I'm still able to save half of my take home pay. People are just retarded with money.

[Anonymous No.57336440]

Is being able to invest 3800 a month good?

[Anonymous No.57336449]

>>57334428
Make just under 100k annually but my mortgage is 3,000. Eats up almost half of my monthly.

[Anonymous No.57336463]

>>57336432
>$250k and they're paycheck to paycheck.
how is that even fucking possible.

[Anonymous No.57336466]

>>57334478
Fucking normies giving women rights.

[Anonymous No.57336484]

>>57334428
Did you not see pic in op's post? It's absolutely possible to live pay check to pay check in $100k salary in today's America even if you're only spending it on basic expenses.

[Anonymous No.57336489]

>>57336432
I make $240k and live alone because no woman wants me, but live pretty comfy and have shit tons of cash to invest after all expense are paid. Your coworker and his wife have to be absolutely brain dead to not have excess of cash at $250k.

[Anonymous No.57336503]

>>57336463
>>57336489
In all fairness, his kids do go to a nice private school and his youngest is in daycare which eats into a decent chunk of his funds. His wife is also insane when it comes to Amazon purchases. I think he still owes $14k or so on a shitty Jeep that he's upside down on, and I know he has at least $28-30k in maxed out credit cards (the interest on those is fucking insane btw, his minimum payments are like $600). I've been working with him to get his life back on track because I don't think he saves for retirement or anything either. We went over his monthly expenses and the dollar amount is pretty similar to OPs picture.

[Anonymous No.57336517]

>>57336463
I wouldn't be surprised if a lot of people in that income range were paycheck to paycheck but only after automatically funding their 401k/roth. So they're still saving about 25k a year, but that's nothing for a family making 250k.
Unless you marry a frugal woman, most women will not be okay with living a meager lifestyle on a 250k income. Women don't value saving like men do.

[Anonymous No.57336535]

>>57334550
It's not at all. If you're a mid level white collar professional making less than that, it's either because you work in a tiny company or for a non-profit, like a university, charity, or hospital.
I work in a big 4 defense contractor and literally anyone but the youngest recent college grads are pulling in close to $100k.

[Anonymous No.57336543]

>>57334613
$4400 is absolutely a realistic mortgage post COVID. If you have a family, you can't just rent a $600/mo studio.

[Anonymous No.57336596]

>>57336440
Yes absolutely. Even if you just stick boomer index funds and etf's, you wll be worth almost 7 figures in 10 years.

[Anonymous No.57336602]

>>57336503
What you just said sounds like a couple who do not deserve to make 250k combined if they can’t learn how to budget and save. They should be flowing in money. Ive also always believe private school is just a total waste of money.

[Anonymous No.57336664]

>>57336602
Yeah, I completely agree with you man. A lot of people fall into the trap of upgrading parts of their life as their income rises, which I thankfully never did. As for private school, I can't really comment on it. My wife and I plan on homeschooling since she stays home. My mom was a public school teacher, and she's told me plenty of horror stories from her time working there. I certainly don't blame anybody for not wanting to put their kids in that shit hole of a system.

[Anonymous No.57336667]

>>57336517
You spitting facts. Women are wired to shop and spend. Only a rich man can be happy with a woman these days.

[Anonymous No.57336695]

>>57336596
I see, I'm just out of touch because I live with my parents and have no expense at all, so I am able to dump 3800 a month into crypto. I think working full-time while living with parents is the ultimate cheat code.

[Anonymous No.57336758]

>>57336432
Only 300 a month for groceries???

[Anonymous No.57336779]

>>57336758
Yes? It's just my wife and I right now. When we have a few kids I anticipate that going up to maybe $500 but that's it.

[Anonymous No.57336806]

>>57336695
You put EVERY dollar in to CRYPTO? You are NOT going to make it, you're going to be impoverished.

[Anonymous No.57336866]

There is no middle class. You're either in the class that calls the shots, or the shots get called on you.

[Anonymous No.57337365]

>>57336440
dollar amounts are meaningless. percent is what matters. if you're investing 20% of your income you can retire in 37 years. if you bump it to 30 thats 28 years, then the magic starts to happen, 40% is 21 years and 50% is 17 years. If you can save half your income you can be done waging in less than 2 decades. the above calculation is true if you're making 25k a year 250k or a 10 million.

shameless plug for one of my projects: https://networthify.com/calculator/earlyretirement

[Anonymous No.57337403]

>>57337365
Based. But this is /biz/. Morons will continue to get rugged in the hopes they can get lucky with another cum coin and turn their $100 into $1m.

[Anonymous No.57337408]

>>57334428
You have no idea, it's because they can't fathom not spending on things they don't actually need.

[Anonymous No.57337482]

>>57337365
Kinda depends how much you're making

[Anonymous No.57337516]

$250k is middle class now.

$120k is "working poor".

[Anonymous No.57337545]

>>57337482
no it doesn't. the only meaningful statistic is your saving rate. yes it's easier to save 50% of 200k than 20k because life costs money. if one person makes 50k and one person makes 500k and they both save 25% of their income they will be able to retire at exactly the same time. if you still missed the point ill make it blunt, what you spend is the factor that matters, not what you make as many would try and convince you.

[Anonymous No.57337552]

>>57336543
>mortgage
kek

[Anonymous No.57337621]

I love how people still pretend this site is the final boss of the internet when really it's just a bot-aggregator for slop posted on reddit, X, and tiktok.

[Anonymous No.57337624]

>>57337545
so you are defining "when you can retire" to mean "when you have enough savings to live at your current spending level but without any income?" This seems intellectually dishonest.

[Anonymous No.57337669]

you need to live in any real place
high cost of living areas get paid more. you live frugally in a high cost of living with a high wage you actually make money

[Anonymous No.57337674]

>>57337545
>if one person makes 50k and one person makes 500k and they both save 25% of their income they will be able to retire at exactly the same time.

[Anonymous No.57337693]

>>57336466
Yep and it’s crashing society with no survivors. People aren’t going to understand until after we are completely fucked.

[Anonymous No.57337856]

>>57334478
>and my girlfriend, she said yknow yall, yous gotta, like, manifest it n shit
i just knew she was about to ask for the most

[Anonymous No.57337886]

>>57334393
I earn 1 million per month and live paycheck to paycheck. 100k is nothing.

[Anonymous No.57337893]

>>57334393
>House payments 3700 a month

Dont live in a mansion you cant afford dumbass. You could literally rent for 1.2k a decent flat since u have no family.
After 5years youd save up 150k extra and not pay the bank jack shit. Then you can buy a property or invest

[Anonymous No.57337914]

>>57334428
same, people cannot be that stupid.

Either I'm really smart, or people are that stupid...

[Anonymous No.57337930]

>>57336535
the stats don't agree with you. median household salary is like 70k, that's TWO people.

[Anonymous No.57337941]

>>57336758
>WHAT, NO DOORDASH AND GOYSLOP
Learn to cook

[Anonymous No.57337983]

>>57337886
I know this is a lie but if it's true that's sad

[Anonymous No.57338191]

>>57334478
Women have literally no concept of money lmao. 1.3 Million American families make more than 500k/yr out of like 300 million +. Ignore Women.

[Anonymous No.57338695]

>>57338191
If you watch the full video there's one girl who says she wants her future husband to make 1 million per year. The interviewer tells her that's quite a lot of money and asks if she would settle for just 500k. She thinks about it and says she would be okay with that.
The brutal redpill is that most of these women will end up marrying a relatively average guy so you can imagine the resentment and disappointment.
Most women fantasize and dream of marrying a handsome, wealthy prince since they were a young child. Most men just want to marry an attractive girl who isn't a bitch. It's a complete mismatch of expectations.

[Anonymous No.57338716]

>>57338695
This. If you ever wondered how women turn into miserable fat hags, this is it.

[Anonymous No.57338748]

>>57338695
>ost women fantasize and dream of marrying a handsome, wealthy prince since they were a young child.
lol yeah.
>>57338695
>Most men just want to marry an attractive girl who isn't a bitch.
kek. most dont even end up with a girl they want to jerk off to. lmfao.
Females are still the weak sex for settling.

[Anonymous No.57339435]

>>57336432
You could save ~$120 a month by switching away from Verizon and using Mint Mobile or Ting. Also how are you spending $100 on Water and $200 on Electric? I have an irrigation system and server and I only spend $80 and $150. Honestly though, you're doing great.

[Anonymous No.57339523]

>>57338695
99% of people settle. There's too few men who are attractive, rich, and successful while there are few hot women and everyone wants them

[Anonymous No.57339824]

>>57337545
>what you spend is the factor that matters

>>57337624
>>57337674

4chan, worse at reading comprehension than reddit. It's true though, how much you need to retire is directly based on what you will spend. With no payments you need a much lower net worth.

[Anonymous No.57339836]

>>57334393
200k and over is middle class these days

[Anonymous No.57339895]

>real median personal income: $40k
$100k is like 90th percentile
Idk if you consider 90th percentile "middle class" sounds like upper class to me. But I guess americans consider 5th to 99th percentile as middle class lol

[Anonymous No.57339922]

>>57334393
>3700 mortgage
>500 car payments
>400 student loans
>250 credit cards
>150 phones
>300 gas

I love how incels here blame multiculturalism and inflation for this. When in reality Americans have always had a lack of foresight and an over inflated lifestyle since they were born.

[Anonymous No.57339969]

>>57339435
What’s worse is that they’re putting more towards their student loans rather than paying off their vehicles and credit card with the higher interest rates.

Along with signing up for mint they need to downsize from their home to most likely a 3 bedroom apartment for 1800. Suffer for a year or two and pay down their cards and cars. I refuse to believe having a 3700 mortgage is reasonable. Especially with that much debt going towards interest itself regardless of the fixed rate.

[Anonymous No.57340059]

I've always been a believer in living below my means even with a six figure salary. I could be a retarded American and buy a giant house and spend an obnoxious amount of money on other stupid shit, but I'm not

[Anonymous No.57340164]

>>57339969
>What’s worse is that they’re putting more towards their student loans rather than paying off their vehicles and credit card with the higher interest rates
my car loan is 5.09% on 7000
my credit card is 10.8% on 2000
my student loans are 6.8% on 130,000
which one should I pay?

[Anonymous No.57340908]

>>57334393
i make that in AZ and its lower mid..would be poverty in a more expensive state

[Anonymous No.57340915]

>>57337693
We're already completely fucked and still nobody understands this.

[Anonymous No.57340928]

>>57339895
It's because purchasing a house outright, not using a mortgage/debt, is just simply not possible for 99% of the country. Hence everyone worships the ultra-rich who can purchase a house without being a debt slave.

[Anonymous No.57340975]

>>57334393
Home loan should be less than 1k move to appalachia.
Utilities could be brought down by 50-100$ by being frugal
healthcare is around 400$ a month car insurance shouldn't be more than 200 max. Home insurance isn't expensive.
A family of 4 can eat on 500$ a month, learn to cook don't buy steak every night
phone plans can be had for 14.99$ 4g unlimited
How do you make 120K and not own a reliable used car already?
Mf should be banking thousands into savings every month.

[Anonymous No.57341237]

>>57334546
American. Large and numerous meals paired with with ordering it from some app because you're too lazy to cook.

[Anonymous No.57341465]

>>57334546
DYEL spotted

[Anonymous No.57341485]

>>57334463
I make 70k and save about $25k or more a year. People just made poor life decisions. I purchase everything I want and never even think about money as an issue.

[Anonymous No.57341756]

>>57334393
$250 credit cards
$100 care
$100 subs (what happened to no fun?)
These for sure should not exist considering how he isn't having "fun"
The only care I can think about is skin care which as a guy lasts more than a month and probably would be about $50 for everything and $100 total that lasts more than a month when adding in razors, soap, conditioner, etc
Not everyone will have student loan debt or a car payment since if they went to college they probably already had a car cause living on campus is way too expensive and you likely have a cheap used car and not one that would cost $500 a month when not including gas and insurance
You can get cheaper insurances especially if you are younger and a phone plan means internet which means you don't need subs when you can torrent or use youtube or any other ad based app to stream
Gas varies a lot and utilities can be made much cheaper if you put in the effort

Pretty much this guy is leaving a lot of money on the table by allowing himself to live paycheck to paycheck
If you aren't very comfortable why not sacrifice a bit more to become that way

[Anonymous No.57341783]

>>57341756
Groceries are honestly a matter of properly knowing what you need and where is the best place to buy your food
Simply get food in bulk and share with a roomate since 3700 in mortgage means a home or at worst one other room so now you split utilities and "rent"
Or you could also just move back in with your parents and rent out all the rooms in the house.
If you aren't making enough to impress women then you probably aren't having sex anyways so why waste $3700 when it could be profitable instead?

[Anonymous No.57341843]

>>57334478

[Anonymous No.57342076]

>>57334546
100% he's clumping deliveries and takeout with "groceries"

[Anonymous No.57342369]

My brother makes 3x more money than me. He makes like 150k a year, and lives paycheck to paycheck. He wants to borrow money from me all the time as well.

[Anonymous No.57342385]

>>57337552
If you're lucky enough to have paid for a house in full, good for you. Lots of people couldn't. For those people, a $3k + mortgage is realistic.

[Anonymous No.57342418]

>>57334428
Some people could make 250k a year and live paycheck to paycheck. They really just spend everything they have. Every penny extra they make goes to some inane luxury item that they think will improve their life because it satisfied their dopamine addiction for a week.

[Anonymous No.57342494]

>>57335948
>Thats like 6,000 dollars a year! That’s so much money bro, you can buy 1% of a house for that!
Did you miss the very first sentence where that dude is paying for a mortgage you retarded nigger?

[Anonymous No.57342543]

>>57334478
These women are thinking about being home stay leeches. They are not wrong.
A man can't afford a home stay wife and 2 kids with a 100k a year salary.

[Anonymous No.57342594]

Only if you are a cucked consoomer it seems. I take it this is a single guy.

$100 subs - I guess that means Netflix and other streaming shit? Shows how cucked you must be to have that as an essential thing in your life and not include it as "Fun".

What is "$100 care"? Sounds like some bullshit you don't need.

$150 phones? Might be different in America but here you can easily get a plan that is the equivalent of $7 a month. Gotta stream your Netflix and consoom while out and about eating through mobile data though right guise?

Just fixing those alone covers the credit card debt, which he shouldn't even have anyway. Get a consolidation loan and pay off the car and credit card debt, have one payment instead of two.

1k on groceries? for a single guy? No way. I bet he includes take out in there and plenty of and goyslop. Learn to cook.

[Anonymous No.57342646]

>>57334393
I felt pretty comfy making $120k but that was almost 10 years ago. I'm making closer to $200k now. I live in a MCOL suburb in Georgia.

[Anonymous No.57342890]

>>57342594
You can get unlimited plans for $30-35 a month in the US through various carriers. If you're willing to limit the amount of data you get then you can go down to $10 a month easily. People are just retarded.

[Anonymous No.57343258]

>>57334393
I'm in that range and live with my parents. When I get married, we'll keep living with my parents. They get company, and people to help them. We can save for kids. Also saves time on household chores, dk why Americans are so opposed to it, win-win-win.

[Anonymous No.57343308]

>>57334428
Poor spending.

Mortgaged for two properties, financed Mercedes or Volva in 2018, and constant overseas flights for weddings.

Average person is dumber than rocks.

[Anonymous No.57343341]

Lifestyle creep is real, you need to be careful anons

[Anonymous No.57343460]

>>57336667
Says you, having a ride or die girl and being up front with finances makes perfect sense.

I showed my GF the math, and she agreed to be frugal.

If you’re with a girl who expects a LV bag everyday you’re fucked.

[Anonymous No.57343543]

>>57334393
i make 30k and i'm doing fine. It's all about knowing how to manage, i have 0 subs, 0 "care" (use Aloe vera), 0 credit cards (use revolut), 0 car (take train), 30 phone, 0 gas (no car), 300 groceries (only eat veggies and organic meat), 450 insurance, 800 rent (sharing a 1650 flat), 300 utilities.

[Anonymous No.57343666]

>>57334550
>>57336535
>>57337930
Median doesn't matter because you aren't comparing yourself to sub 100IQ people. On the other hand, many people with engineering degrees don't get a job.

It does seem like most mid-career, mid 30s engineers pull 80-125k or so in flyover states. Usually closer to the latter, but it caps hard around there. This is ignoring IT, which can be higher.

[Anonymous No.57343673]

>>57338716
>>57339523
This is too accurate.

[Anonymous No.57344248]

>>57339523
the difference is that men are generally okay to settle in marriage, women see it as failure.
This is actually supported by surveys that show women are very unhappy with the hypothetical that they will get 80% of what they want in a man, while men say they would be ecstatic to get 80% of what they want.

[Anonymous No.57344318]

>>57334393
tf do you spend 1k in groceries on without a family. Steak here is 10eur per kg, 2eur per carton of eggs. Like, what kind of overpriced high fructose goyslop are you buying.

[Anonymous No.57344340]

>>57344248

Because women view relationships as a "climb", whereas men view it as "acquisition." The ideal male situation is having multiple mates to himself, the ideal female is having one giga mate.

[Anonymous No.57344353]

>>57344318
Chicken, beef or fish, vegetables and other basics from Costco == $100 a week. Eat out twice for 2 people and that's + $100. That's $800/month.

[Anonymous No.57344388]

>>57334478
Imagine taking women seriously

[Anonymous No.57344390]

>>57334393
>no kids
>$1000 monthly on groceries

LMAO fucking how

[Anonymous No.57344406]

>>57334393
100$ on subs, are you fucking stupid?
1000$ on fucking groceries?
Is America just that fucked right now or people are just so stupid?

[Anonymous No.57344428]

>>57343543
This

[Anonymous No.57344454]

>>57344340
but almost everyone is planning for monogamous marriage so the man still needs a valuable woman. How many men have multiple girlfriends or wives in today's world.
It is simply an issue of men facing reality and having realistic expectations. Women are taught to keep their standards high and hold out long enough for mr. right. As I mentioned before, it is a total imbalance of expectations and why women are so unhappy in relationships but men are generally more satisfied.

[Anonymous No.57344481]

>>57335948
He could easily be saving $1000/month had he gotten a house more within his budget, or $2000/month if he was renting a nice but reasonable apartment instead.

[Anonymous No.57344537]

>>57344481
$3700 for a mortgage sounds excessive but it's actually only a 400k mortgage once you add insurance + property taxes + tip.

[Anonymous No.57344580]

>>57334393
I used to want a house in the suburbs, find a nice girl, settle down
But after dealing with HoAs, seeing how shit modern women are, and not finding anything in common with most of the people around me, now I just want to move to alaska, build or buy a cabin, and raise sled dogs. I have huskies already and they're great
It's the only thing that I think will consistently keep me sane in this crazy world
And I don't think I need $100k/yr to maintain that at least...

[Anonymous No.57344608]

I make $350k. My mortgage on a nice house in a white town is $3000 on a 15 year fixed.
My daycare costs $1800
Phones also 150 unlimited data
Utilities also 300
And yet I'm maxing my 401, investing in both crypto and brokerage
Cars paid off
No debt, student or credit
Unwavering love from my family
Feels good. Hope you make it

[Anonymous No.57344641]

>>57337365
Very fucking nice anon. Sleek, informative and stylish color scheme. I would suggest to add where they can afford to retire based on their earned income and savings. Since having an aggressive retirement savings rate wont net you as much as the indentured slave of 40 long years.

Also feels good reading this chart and be confirmed on my suspicions that majority of people are retarded with money. Feels good to be immune to consumerism bs and have saved over 40% of my income by default. Also thank you crypto for making me worth 1/4 millionaire at 28 yrs old.

[Anonymous No.57344666]

>>57344537
Unless he has crazy HOA fees or taxes(which he should have factored in either way) he bought way above his current paygrade and savings. A 400k house would've been closer to 2.5k total including the expenses you mentioned.

[Anonymous No.57344720]

>>57334393
Definitely taking financial advice from a guy who has credit card repayments in his budget but not retirement or savings

[Anonymous No.57344754]

>>57339523
Go to asia hot women everywhere.

[Anonymous No.57344922]

>>57344666
I'm seeing that this whole tiktok is bait now, as only a total retard would "buy" a 600k house when they're in non-negligible amounts of student loan, car, and credit card debt. There are a lot of people out there who are this stupid though.

[Anonymous No.57344999]

>>57344608
tech?

[Anonymous No.57345097]

>>57334393
House payment $400/month
Home Insurance $400/month
Car Insurance $200/month
Utilities $400/month
Groceries $300/month (get meat and eggs from local farm owned by family that I get a discount for being family. And buy 50 pound bag of potatoes from a farm that sells them for $12. Most of my weekly groceries are vegetables and fruits)
Student loan $200/month
Gas $200/month (I don't drive a gas guzzler)
Phone $20/month (tracfone)

~$2,120/month total

I make $80k/ year take home is roughly $4,800/month after I raped by the tax man.

[Anonymous No.57345129]

>>57344922
Why do people who make six figures even bother with car debt? At that level you can buy a nice used car for cash, even with car prices being retarded.

I garuntee those faggots can drop $20k on a used car. I only make $80k per year and I buy all my cars cash. I bought a used Honda civic for $10k, it had only 25k miles on it and was only 5 years old at the time I purchased it.

[Anonymous No.57345161]

>mechanical engineering degree, half of a CS degree
>worked in a hellish factory job, now in IT back office (remote)
How do I get above $100k? Everyone tells me it's over for CS grads. I'm not going back to manufacturing and NO I will not do blue collar work and destroy my body like the people that raised me

[Anonymous No.57345286]

>>57345129
You know the market changed, right? 10k buys you an Si with 160k miles on it now. You should refuse to drive the base.

[Anonymous No.57345297]

>>57345161
Get professional engineer and job hop.

[Anonymous No.57345343]

>>57334393
>3700 mortgage
>1000 groceries
Jesus Christ man could drop mortgage by 1000 and groceries by 500 if he was living within his means and actually planning meals with his family. that would put his yearly spending at ~$75k which itself is still too high but more reasonable for middle class

[Anonymous No.57345419]

Supposing $22/hr or an average budget of $2600 after taxes:
>vape/drugs/alc: $150
>rent: $650
>electric: $100
>internet: $50
>phone: $25
>gas: $55
>water: $30
>food: $200
>entertainment and spennan money: $200
monthly total $1460
pay total $2600
savings (leftovers): $1140

Whining faggots.

[Anonymous No.57345455]

>>57334428
>>57334478
>NEET retards don't get that actual people have to pay rent or mortgage

[Anonymous No.57345473]

>>57344999
That would require West Coast.
Healthcare. East Coast, blue commie state

[Anonymous No.57345529]

>>57345129
Yeah dude your car market evaporated in 2020.
But that being said good new cars are still affordable. Got my wife a 2023 crv last year, new, top (non hybrid) trim for like $35k cash? Not bad

[Anonymous No.57345757]

>>57334478
I make $240k and live outside of Washington DC. At this salary you live way beyond ‘comfortable’ . I have so much rediculous amount of money left over each mo lnth don’t even known what to do with it. You could easily live a solid life at $100k as long as you aren’t a brainlet with your money. I know guys making $70-$80k that have their life together and live just fine.

[Anonymous No.57345840]

>>57345129
Bro always tell the dealership that if they lower the price by 2+k you will use them for a loan. The dealership gets paid for selling loans by the bank so it’s worth it for them. Then make sure there are no penalties for paying the loan off early, there’s usually not. Then when you get your first bill use the cash you saved to pay off the entire loan. It fucks over the jews at the dealership because they don’t get paid by the bank since you paid the loan off before they made any Interest and you also saved a few thousand you would t have saved paying cash.

I do this for every vehicle I buy.

[Anonymous No.57345986]

>>57345757
Yea? Now buy a house and send your kids to a good school and put away enough to have 3 mil at retirement. Still feeling comfy?

[Anonymous No.57346725]

>>57342369
Then he just doesn't know how to live within his means
I bet the moment he started making that much he moved into the city, got a new car, phone, expensive wardrobe. etc
all on a credit card

[Anonymous No.57346791]

>>57345986
This. Family really fucks up finances. I e pretty much given up on making it, Ive even given up on crypto for the most part. 80% of my monthly investment goes into value and growth stocks. My hope now is to give my kids an easier life and a strong platform for them to make it.

[Anonymous No.57346814]

>>57334428
I never lived paycheck to paycheck on $40k or $100k. That's just a skill issue.

[Anonymous No.57346843]

>>57334393
he better have a family with that mortgage and grocery bill

[Anonymous No.57346845]

>>57344248
what the fuck are you event spending your time reading to be spewing this shit...who fucking cares

[Anonymous No.57346857]

>>57345343
I don't understand how anyone could be spending $1000/month on groceries unless they had 5+ kids or they are eating filled minion and lobster all the time.

Maybe he counts eating out as groceries, normies spend a retarded amount of money on eating out.

[Anonymous No.57346894]

>>57346843
I live in a 4,000 sqft house alone.

But the mortgage was only $100k because it had foundation issues. It cost $50k to get the center joist replaced and the house releveled. My total house payment is $400/month between the mortgage and loan to repair the foundation. I bought it in 2021.

It's an old house by American standards, built in the late 1800s.

[Anonymous No.57349046]

>>57334393
tik tok was a mistake

[Anonymous No.57349275]

>>57334550
You may be getting raped. I pulled $65k/yr as a high school graduate in IT back in 2009... the lowest paid people in my area and field start at like $85k these days and they're usually government workers. Where the hell do you live? Detroit?

[Anonymous No.57349366]

>>57345757
Jamie, pull up the cost of childcare

[Anonymous No.57349379]

>>57342543
>>57345986
>>57346791
Fake and gay. I did fine back when I had a $105k salary in a high COLA with a wife and two kids. Sure, 35% of my pay went to housing but I still managed to invest $28k/yr outside of my 401k contributions.

You guys either live outside your means or you have a wife that spends all your money.

[Anonymous No.57349391]

>>57334428
> I refuse to believe that there are people living paycheck to paycheck with a 100k salary
I honestly know a guy living paycheck to paycheck on a $480k salary, so you'd be surprised.
Lifestyle creep is real and people are stupid.

[Sage No.57349425]

>>57334428
Lol

[Anonymous No.57349579]

>>57336779
The biggest advice you want to hear is that when you have kids, buy organic and don't use plastics for most things. it's more expensive upfront and you'll thank yourself later when your kids don't grow up to be autistic zoomers with low attention spans.

Your kids will be the biggest investment you ever make in your life if you do it right.

[Anonymous No.57350077]

>>57334393
>no kids
>$1000/mo on groceries

Lmao. I couldn't help but notice there was a line item for eating out which I'm sure they just lumped under "groceries" to avoid the inevitable ridicule they would have received for spending 1/7th of their 6 figure salary monthly take home on restaurants. Either that or they're either steak and lobster every night. Regardless, that's one of the many areas of their budget they could cut if they were serious about saving and not living paycheck to paycheck.

[Anonymous No.57350172]

>>57334393
His biggest problem is that he spends 44k a year on his mortgage when his take home pay is just 93k. Also he isn't paying anything off so he's just gonna be stuck in that path forever.

Also 1000 a month on food is insane, everything must be bought premade and he must pay for delivery on everything. He should learn how to cook.

Also get an electric car, that way you'll at least save on the gas.

[Anonymous No.57350178]

>>57334393
That’s why you wanna double it on Dplay from time to time

[Anonymous No.57350204]

>>57334393
When do they ban burgers from posting, spamming the board, stay with your country with 88888€ per subscription

[Anonymous No.57350247]

>>57337408
This. You don't need a new car. You don't need a new phone.

[Anonymous No.57350259]

>>57340164
All of them. If you mean which to pay off, the credit card obviously. Never get in credit card debt. If you can't afford to pay off your card balance in full every month, then you aren't responsible enough to have a credit card.

[Anonymous No.57350762]

>>57339435
>You could save ~$120 a month by switching away from Verizon and using Mint Mobile or Ting
Verizon is the only reasonable coverage option where we live, they kinda have a monopoly on our area.
>Also how are you spending $100 on Water and $200 on Electric?
We're on city water; electric was $200 for December because we put up lights. It's a conservative estimate for worst case scenarios, typically electric is around $110-120.
>>57349579
We want to grow our own vegetables, and I used to help my dad raise chickens, so we will likely have some livestock. The whole reason I wanna make it is so that I can do just that, I don't need to be a billionaire, I just want a modest house that I can pass down to my family.

[Anonymous No.57350817]

>>57334393
Just live with your parents.
>But muh gf
You're an incel

[Anonymous No.57350963]

>>57334478
women are not an accurate barometer of anything, as demonstrated by the video you've included.

if less than 99% of a population is part of something, it is by definition, not the middle.

[Anonymous No.57351286]

>>57336779
Do you never go out to eat, or are you not in America? I spend $500a month on food just for me and I'm only 150 lbs

[Anonymous No.57351304]

>>57346845
it's almost like the problems of divorce and relationship unhappiness are important issues and have gotten worse over time.

[Anonymous No.57351428]

>>57334393
phag discovers inflation and $3700 for a house

[Anonymous No.57351442]

>>57334393
$800 in insurance and a house he cant afford

the end

[Anonymous No.57351466]

>>57350259
That really depends, chase turns big enough transactions into mini loans, you can get that and pay off the mini loan in months. Keep the money earmarked to a high yield savings account and you made of with some interest.

Did that for my vacation and was worth it.

[Anonymous No.57351627]

>>57334393
>tfw 30 years old and make $110k

I live in a studio apartment that rents for $1,750 each month. My utilities run around $125 a month. Car insurance is about $150 a month. If I'm being super liberal, I spend about $750 a month on food. Gas runs me about $200 a month. Student loans are gonna be $600 a month. My used car is $230 a month. In total this is roughly $3,805. Try not living beyond your means, faggot.

[Anonymous No.57351640]

>>57351627
>cost for one person is less than for 4 people
wow

[Anonymous No.57351653]

>>57334393
>300 gas
bruh what mpg do you get 7?
>150 phones
bruh are you paying the brand new iphone off in installments?
>400 student
bruh so are you a student or are you a middle class worker?
>500 car
bruh if you make 100k a year how the fuck are you paying off your car in installments
>250 credit card
bruh on TOP of all those expenses? like this bill is just for having the card?
>100 subs
BRUH

am I taking crazy pills?

[Anonymous No.57351740]

>>57334393
kek I make maybe 50k per year and I invested about 30k into BTC in the past year and I am a rentoid.

[Anonymous No.57352050]

>>57335801

I like how you say you're living frugal and your grocery bill is STILL $800 a month.

People will continue to act like the the problem isn't the system that's f's them hard everyday until the very end.

[Anonymous No.57352827]

>>57334428
I dont get it either, but I think a lot of people find it natural or expected to max out their loans/consumption when they first begin making that kind of money. Like on cars, a bigger apartment, more stupid items etc.
Its not what you earn, its whats left after bills that matters.

[Anonymous No.57353569]

>>57334478
It's fucking OVER

[Anonymous No.57353717]

>>57335002
If you'd like, you could even cut out your spotify sub. I use SoulSeek to just download .flac files of any music I want and transfer to phone, and spicetify works on PC if you insist on using spotify on your desktop. You just go into the marketplace after installing it and add the ad blocker function, then restart the program. Works like a charm.

[Anonymous No.57353724]

>>57352050
The number itself doesn't infer that the system is broken, ie. that he's paying 800 a month out of *necessity*. Could just be over-indulgence.

That being said, yes the "system" is fucked.

[Anonymous No.57353734]

>>57344641
>Feels good to be immune to consumerism bs and have saved over 40% of my income by default.
Another day another W, don't ever get sucked into their marketing tricks.

>Also thank you crypto for making me worth 1/4 millionaire at 28 yrs old.
Based asf, just remember not to gamble away your earnings.

[Anonymous No.57353749]

>>57337365
I like your project, it's very well-done and aesthetically pleasing, although I found a bug. If you run your mouse along the chart, from right to left until the final bar on the left, it'll highlight both the last and second last bar. Pic related.

[Anonymous No.57353757]

>>57339922
Both can be true (and they are) simultaneously, Juarez.

[Anonymous No.57353790]

>>57334428

[Anonymous No.57353975]

>>57351286
We live in Maryland, so it is a HCOL area, but yes we are in America. Like I mentioned before, my wife stays at home, so she cooks meals most of the time.

[Anonymous No.57354331]

>>57342385
I have a mortgage that 3.5% and my payment is just over 3k solely because Taxes and Insurance keeps getting adjusted higher every year. Its literally a 3rd of my now. Sadly renting isnt any better where i live.

[Anonymous No.57354350]

>>57351466
When was this and what were the rates? If it's true, you got really lucky. Most people with credit card debt are economically illiterate.

[Anonymous No.57354748]

>>57354350
It part of their chase plan, no interest just the principle broken up, I did the calc and it ended up equaling the cost of the tickets.

You obviously get subsidized by the people who fail.

[Anonymous No.57355191]

>>57353717
youtube to mp3 and mp4 exist for free

[Anonymous No.57355211]

>>57355191
I'm aware, however, soulseek is faster, more convenient, and you have more file types available, such as .flac.
Try it out.

[Anonymous No.57355228]

>>57355211
I only have like 2 services I pay for that are subscription based which are mega and some translator app I use a lot. otherwise I just use free media sites

[Anonymous No.57355291]

>>57355228
I see I see. Just be careful with hosting certain things on Mega. They scan repositories for 'sensitive information' and could wipe your data and ban you, perhaps even file a police report.

[Anonymous No.57355470]

I was curious, so I checked my own budget. This is everything but food for a household that makes around 250k.