/fa/ - Fashion

[Anonymous No.14297453]

How do you afford all your clothes?

[Anonymous No.14297456]

>>14297453
I earn around 3200 net as software engineer in Germany and only need around 900 to sustain a basic life.

[Anonymous No.14297461]

>house cleaner
>donations more than a few cents to bums outside gas stations
>more than 150 dollars on food other than groceries
>somehow not getting benefits while making a hundred grand a year
i don't know a single person that lives like this

[Anonymous No.14297464]

>>14297461
What's benefits?

[Anonymous No.14297468]

>>14297461
insurance through work, the only way this made up 25 year old is spending that much on insurance is if it's private or they're majorly ill

[Anonymous No.14297470]

>>14297453
I live in a Southeast Asian shithole and earn 575/month and I only spend half of it for living. :)

[Anonymous No.14297472]

>>14297470
So you only buy cheap shithole-local clothes?

[Anonymous No.14297473]

>>14297468
>>14297464
fucked up

[Anonymous No.14297475]

>>14297472
I wear mostly Uniqlo :)

[Anonymous No.14297485]

>>14297453
>Donations

[Anonymous No.14297529]

>>14297453
>donating money

[Anonymous No.14297665]

>>14297453
>eastern Europe
>working at marketing
>salary around 1100 euros
>400-500 for living
>thrifting all clothes I don't remember bying something new except underwear

[Anonymous No.14297674]

>>14297453

>donations

[Anonymous No.14297755]

>>14297453
What kind of faggot doesn't own a car?

Oh that's right, cucko here is spending his financing, gas and insurance money donating to feminist patreons to the tune of 615/mo

>absolutely bugman.jpg

[Anonymous No.14297783]

>>14297453
>donating nearly the same amount of money as you use for basic resources
huh, americans really are a completely other race

[Anonymous No.14297927]

>$250 on restaurants
>$615 on donations
>$20 internet
>excellent with money

[Anonymous No.14297940]

>>14297783
>left with 50k after taxes
God forbid ypu pay back into the society that tolerates your autistic ass.

[Anonymous No.14298116]

>>14297453
>donations

[Anonymous No.14298120]

>>14297485
>>14297529
>>14297674
Not sure how it works exactly, but aren't some charitable donations made tax deductible

[Anonymous No.14298130]

>>14297665
>>thrifting all clothes I don't remember buying something new except underwear

Same. Germany.

[Anonymous No.14298138]

What do middle class people wear?

[Anonymous No.14298327]

I live with my parents and work as a video editor

i got 0 expenses so i basically spend my paycheck on clothes every month

[Anonymous No.14298336]

>>14297453
>600 in donations
Legit why?

[Anonymous No.14298343]

i have a retail job and i flip drugs to rich kids
>buy weed cart 4 30 and resell for 60

[Anonymous No.14298351]

they're donations to e-thots

[Anonymous No.14298630]

>>14297453
>good with money
>spends it all on food
>no investing
Oh wait the 2% return on his tfsa will make sure he retires happy making 102k a year when he's 50.

[Anonymous No.14298637]

>>14297453
>600 on donations
there's no way this is accurate

[Anonymous No.14298661]

>>14298637
>>14298336
>>14298116
some amerifats on int said it's tax evasion, but that might just be coping

[Anonymous No.14298711]

>>14298661
That's not how taxes work.

[Anonymous No.14298732]

>>14298630
>no investing
>literally states it's a chart of monthly spending
do you think he's taxed at ~70% or something, dumbass

[Anonymous No.14298810]

>>14297755
>amerifat thinking everyone should own a car
Owning a car when you don't NEED one is a complete waste of resources

[Anonymous No.14298814]

>>14297485
>>14297529
>>14298116
>>14298661
No, those are for titstreamers. Let him spend his money on a stable relationship.

[Anonymous No.14298820]

>>14297461
He gives away a certain amount to write it off on his taxes

[Anonymous No.14298826]

>>14297453
I make 50k and I live with my parents

[Anonymous No.14298843]

>>14298810
You need to waste resources to be cool in America

[Anonymous No.14298882]

>>14298843
woke take great job

[Anonymous No.14298959]

>>14298820
what’s the point, he’s still losing money just to different people

[Anonymous No.14299018]

>>14298732
Do you not know how investing works? You spend a portion of your pay and invest it.... I invest about 20% of each paycheck i get. Soooooooo. If he doesn't invest and only puts his money in a TFSA he'd only make 2-5% return on his "investment"

[Anonymous No.14299054]

>>14297453
Where is his retirement? This isn't a fucking budget if he makes $100,000 a year but only has $33,300 recorded. This is fucking useless.

[Anonymous No.14299078]

>615 Donations
>paying for free apps
>giving to pratreons
>titty streamers

[Anonymous No.14299305]

>>14299018
i understand investing, i'm saying you don't understand basic math or reading comprehension. or when you saw a 100k salary next to 2775 monthly you thought that seemed right.

a 100k annual salary nets you ~8300 per month. i think it's 18% going to taxes, plus other deductibles, let's even say 25% for simplicity, leaving you with 6225 per month. the chart is about monthly spending, which comes to the stated 2775. plus investments aren't expenses/spending, they're literally investments. or are you suggesting the remaining 3450 just fucking evaporates?

fucking brainlets i swear

[Anonymous No.14299346]

Thrifting, washing everything thats nice by hand and only when it actually needs it(T-shirts after each wear, but pants can usually get 4-5 wears) and staying the same size since i was 14(read:not getting fat)

I have shit i wore in highschool that still fits and looks reasonably well(Fashion trends back then were a bit different... Loose jeans dont look too good now a days)

[Anonymous No.14299347]

What board am I browsing. Why are people arguing over the merits of a tweeted pie chart that doesn’t make any sense. Who cares, jesus?

[Anonymous No.14299359]

>>14299346
I fit in all my clothes from highschool but they're all full of holes. Then again I do actual physical labor.

[Anonymous No.14299388]

>>14299359
I ran track and worked retail through highschool... Lets not pretend you being irresponsible with your nice clothes somehow means i was living some lush life. Though what do i know, maybe you wore your hugo boss sweaters and lacoste shoes while digging ditches...

[Anonymous No.14299463]

>>14299388
>nice clothes
>hugo boss
>lacoste

I don't have high expectations when I come here and still I am left with disappointment.

[Anonymous No.14299508]

>25 year old making $100k
So this article is written for like 1% of 25 year olds?

>$615 in donations
And by this I assume they mean political contributions

[Anonymous No.14299679]

>>14299305
No im saying the remaining 3450 goes into his savings, where it should be invested instead, that's 3450 dollars per month sitting dead, when you could be investing it instead. i didn't think I'd have to specify where the excess money went but i guess my omitance of that just collapsed your fucking forehead in. An investment is a long term expense, you don't make money back the next day, that's why poor people cant invest because you are SPENDING, for example you spend 1000 dollars a month and with a lets say 15% annual return, you aren't pulling out after a month, you SPEND 1000 per month, that is 1000 less dollars in your bank account, for years racking 12k per year for Idk, 10 years. You have now SPENT 120000$, but now you take a look at your investments and you say wow that's 259000$ not 120000$, you GET 259000 after 10 years, that's ten years of SPENDING money to MAKE 259000$.

Fucking brainlets dont even understand basic investments. Im pretty sure the explanation used for kids is "spending money to make money later"

Btw TFSA stands for "tax free savings account" which is a account you put your money into at the bank in case that confused you too.

[Anonymous No.14299698]

$825 for rent is cheap as shit. Where is this hypothetical person living and what are they doing for a living?

[Anonymous No.14299700]

>>14299698
where do you live?

[Anonymous No.14299704]

>>14298120
They all are.

[Anonymous No.14299716]

>>14299700
Nevada, the flyover everyone wants to move to.

[Anonymous No.14300168]

>>14299698
$825 is pretty typical for splitting a 2 bedroom apartment 3 ways in the bay area. Software Engi at google and this is what I do.

[Anonymous No.14300188]

>>14300168
imagine slaving at google and still not being able to afford your own house

[Anonymous No.14300189]

>>14299698
...no. This is a pretty standard price, even in major cities for a room rent in an apartment with multiple roommates.

[Anonymous No.14300193]

I make a lot of money and my mortgage is cheap. Still I don't spend a lot since I'm always paralysed from choices and was a poor student for a long time so the money just accumulates on my account

[Anonymous No.14300201]

>>14300188
I'm 28 years old making $80k/yr working at one of the most prestigious companies in the world. Have fun making $40k selling pickup trucks to rednecks in Kentucky or whatever the fuck it is you do.

[Anonymous No.14300204]

>>14300193
Don't let money just sit in your account. Read up on securities and mutual funds and start investing. Money sitting around in an account is literally being wasted.

[Anonymous No.14300207]

>>14300201
whats the fucking point when you live with 3 people in a 2 bedroom apartment all splitting rent and still paying almost $1000 every month

nobody gives a shit about some shitty tech job dude. Wow you helped redesign youtube to a new layout nobody asked for and nobody likes or helped sell personal data to advertisers. Who gives a shit. You dont even make that much money and all of it is eaten away by shitty san francisco

cool dude. you're really awesome and winning so hard

[Anonymous No.14300262]

>>14300204
I should but I already put 22% into a retirement account and I always tell myself that I'll start buying stuff and travelling soon.

[Anonymous No.14300277]

>>14299347
Its 4chan dude. What did you expect.

[Anonymous No.14300296]

why do americlaps donate so much money?
I keep seeing "donations" as one of the largest costs in these graphs

[Anonymous No.14300373]

>>14300207
I live in one of the most exclusive cities on the planet. No one knows that state you live in exists.

[Anonymous No.14300379]

>>14300262
That's great. There are actually ways you can start investing using your 401k or IRA. Don't buy plastic shit. Buy into the market and secure a comfy retirement so you can check out at 50 and not have to worry about money again. A person who puts $100k away by the end of his career could have easily been a millionaire by investing that same money over the course of his career.

[Anonymous No.14300382]

>>14300296
>>14297453
hahahhaa
>donations
muridumbs are such gooy goys. keep sending donations to israel. shalom
btw he isnt saving a penny...

[Anonymous No.14300422]

>>14300201
I'm 20 years old making 120k/yr workinh at one of the largest rail companies in the world. Have fun making $80k working "prestigiously" or whatever you do.

Dont flex, theres always somwone above you, and i know for a fact there's someone on here you makes more than 120k per year. Hoping he can hop in too.

[Anonymous No.14300444]

>>14300382
>muridumbs
he makes 100,000 and spends 2,775 a month...

[Anonymous No.14300456]

>>14297755
Good goy. Your double digit IQ shines through

[Anonymous No.14300479]

>>14300201
>work at google
>make $80k/yr
nice larp

[Anonymous No.14300510]

do people still earn less than 100,000 a year?

im 23 years old and im earning 130,000 with a community college diploma, wtf how do most young people afford to drive cars and buy homes then?

[Anonymous No.14300597]

>>14298959
Charities are much more effective than governments.

[Anonymous No.14300646]

>>14300510
yeah right.....
also 100k sounds impossible outside of murica or norway.
what do you work in, larper?

[Anonymous No.14300798]

>>14297453
>825 rent making 100k
Based rural slumlord

[Anonymous No.14301122]

>>14300510
kek
around half or even more of my country earns less than 10k/yr and I don't live in a third world shithole (I mean I do, but not in a mudhut at least)
rent is cheaper and we don't have to give monthly mandatory donations to camwhores but rest of the prices is around the same

[Anonymous No.14301219]

>>14297453
>$650 on food
>no savings or retirement plan

[Anonymous No.14301409]

>>14297453
What kind of tard donates 615 a month instead of buying a nice car. U could get some nice as used sports car with that extra money

[Anonymous No.14301422]

>>14297453
>Donations: $615

Give me a fucking break

[Anonymous No.14301436]

No larp here,
23 making 45k

40% paycheck on rent (NYC)
10% savings 401k/rothIRA
25% Food/living/misc
0% social stuff
25% clothing

[Anonymous No.14301475]

24/m/nyc

$125k base + variable bonus. 2018 total was $210k

rent: 15%
food/social: 15%
travel: 15%
clothing: 15%
401k/investments: 40%

[Anonymous No.14301490]

>>14301475
brb

[Anonymous No.14301493]

Banana Republic is super affordable when they have 50% off sales every few weeks

[Anonymous No.14301496]

>500k starting
>live in shelter
>spend it all on coke and hookers

[Anonymous No.14301611]

>>14300510
What do you do?

[Anonymous No.14301678]

>>14297453
>$400 on groceries in a single month
>health insurance
>dining out ever
>house cleaner

[Anonymous No.14301691]

>almost never buy clothes
>wear almost same thing every day

[Anonymous No.14301694]

>>14297453
>615 for donations
please be hookers or at least for tax deductions shit, because ain't no way i'll believe someone would give that much for free.

[Anonymous No.14301704]

>>14301694
i buy an album every work day and that can total out to $200+ a month, and i make only $15k. $615 on donations isn't as much as it sounds especially when they are making $100k.

[Anonymous No.14301710]

>>14300168
>2 bedroom
><$2500
>SF
Must be kind of a shithole no offense. $7k 4br nyc here (mine is also a shithole)

[Anonymous No.14301717]

>>14301475
M&A gay

[Anonymous No.14301745]

>>14301710
Google isn't in SF, he's still lying though.

[Anonymous No.14302051]

>>14300189
I live in a flyover state and the average rent is almost double this. $825 is pretty doable with roommates, but hell, the news on the new apartments east of me is that they'll be $3000 a month for two bedrooms.

[Anonymous No.14302052]

>>14300479
I bet the janitors make that little.

[Anonymous No.14302054]

>>14300510
>do people still earn less than 100,000 a year?
In America? Most people don't earn that much. Doesn't matter much the education level.

[Anonymous No.14302057]

>>14301409
If you never travel and live in a city with decent public transportation, a car can be a pointless investment.

[Anonymous No.14302060]

>>14301710
There's not a single neighborhood in NYC where rent is that high.

I pay less than a room in your apartment for a whole place in Bushwick.

[Anonymous No.14302061]

>>14301694
All charitable donations are tax deductible. Fuck, I deduct thrift store donations.

[Anonymous No.14302070]

>>14301409
Donations are a tax write off.

[Anonymous No.14302075]

>>14302060
I don't live anywhere near NYC, but judging from a quick search, it looks like Manhattan, Queens, and Brooklyn are all about that expensive. The Bronx is cheaper.

[Anonymous No.14302095]

>>14302060
>transplants talking out of their ass

[Anonymous No.14302100]

>>14302061
>>14302070
You're still losing money...

[Anonymous No.14302135]

>>14302060
are you joking? anything decent in Manhattan or in liveable Brooklyn is more than $1,000 or more

[Anonymous No.14302143]

No need to spend that much on dining out if you spend 400 every month. Is this person providing for other people?
>>14298120
This she might have saved money in Taxes by donating.

[Anonymous No.14302163]

>>14302100
Possibly, but you can't really say that without running specific numbers.

[Anonymous No.14302168]

>>14302135
1,000 is more than 1750.

[Anonymous No.14302178]

>>14302168
For a two bedroom in New York, you'll be paying $2600 or more.

[Anonymous No.14302185]

>>14302163
No.
Let's say you get Y money taxed at rate R.
Don't donate:
I get (1-R)*Y money.

Do Donate, X amount:
I get (1-R)*(Y-X) = (1-R)*Y - (1-R)*X money. (1-R)*X is positive so you have less money.

[Anonymous No.14302204]

>>14299054
The rest is savings which probably includes a retirement account and other investments.
>ywn max out your IRA for at least another decade
feelsbadmang.tiff

[Anonymous No.14302219]

Work as a consultant/strategist for a tech company in Silicon Valley. Pay is very good and I dont have any money obligations other than rent etc so I can spend it on stupid shit

[Anonymous No.14302405]

>>14297470

where do you live friend

[Anonymous No.14302410]

>>14300597
Tell that to Live Aid.

[Anonymous No.14302775]

>>14302163
You are always losing money on a donation. Period. Its tax deductible, but never for more than the amount you donate.

Like say the IRS taxes you at 10%. 10% of $600 is $60, so you still have $540 left after taxes. Donating all $600 leaves you with $0...

[Anonymous No.14302778]

>>14300597
Some of them are. But lol no to many of them

[Anonymous No.14302786]

>>14302060
this is wrong. i also live in bushwick

[Anonymous No.14302792]

>>14297453
I live off 300 euros a month my parents give me, and thats a lot for Croatia

[Anonymous No.14302795]

>>14302060
>>14302786
So how much are your parents paying for your rent?

[Anonymous No.14303914]

>>14302060
I’m the one you replied to. As others have pointed out, you have no idea what you’re talking about. That said, I fully believe that in bushwick you’re paying way less. Then again, I would never live in bushwick. Williamsburg or Park slope is as far as I’d go from manhattan.

Based on what 20-somethings like, sub-1500 in Manhattan is a true shithole, 1600-1900 will get you something that is liveable and that you can kind of use to entertain, and 2200+ will get you something that’s legitimately pretty nice.

[Anonymous No.14303977]

>>14300597
>Charities are much more effective than governments
I see you've been drinking the money laundering kool-aid.

[Anonymous No.14304234]

>>14299698
in the article the pic related in question is from the individual lived in Boston but had like 4 roomates, he ran a tutoring business

[Anonymous No.14304256]

>>14300201
>>14300373
yeah flyovers are generally shitholes but at the same time so are most major cities, it's great you make 80k but given that you live in a presumably major city, that isn't much to brag about either.

[Anonymous No.14305016]

I'm a contractor aircraft mechanic.
I took home £7600 last month and so far ive only bought one pair of shoes, I'm doing well not to splash out like a mong these days

[Anonymous No.14305018]

>>14297453
>250 on dining
>Less then 1000 rent
>615 on fucking donations
>Having a fucking maid
What the fuck kind of 25 year olds were they sampling for this? The health insurance I get because Americans are cucks but still wtf

[Anonymous No.14305082]

>>14297453
>excellent with money
>dining out
>house cleaner
>donations

[Anonymous No.14305093]

>>14297453
few items at the time, no use wearing expensive shit and being broke. no use stuntin if u broke

[Anonymous No.14305104]

>>14305082
How do you get someone to clean your entire apartment for 30 bucks?

I need that.

[Anonymous No.14305150]

>>14297453
>donations
He's a mod by the way

[Anonymous No.14305389]

>>14300422
Lmfao Mifune left this shit hole a long ass time ago

[Anonymous No.14305477]

>>14301704
an album of what?

[Anonymous No.14305605]

>>14303977
As someone who's worked at both (reputable) charities and the government, I can tell you that with charities there is much, much more oversight and restriction when it comes to spending money compared to the government.

If I was a less scrupulous person, I could have easily cleared 10k+ in scam money in the ~6 months I spent in the government - and I was basically a low-level office drone. I don't even want to think about the amount of embezzlement that happens at the higher ranks.

[Anonymous No.14305663]

>>14297461
>$825 on rent

I don't know a single person who lives like this

[Anonymous No.14305681]

>>14297453
>live in small flyover redneck town
>major industries are poverty and ignorance.
>only people making $100k or more are doctors, lawyers, and the old money people.
>average income in county is $32k
>over half of county on gub-mint programs
OP's pic is laughable

[Anonymous No.14305697]

where the fuck do i buy good quality clothes that isnt expensive as fuck in germany?

im a brainlet when it comes to shopping

[Anonymous No.14305709]

30. Made about $300k after taxes last year. I live in Eastern Europe too, so that really goes a long way. I spend most of my free cash on cars and trips with my kids.

I mostly shop at COS, so my monthly clothing budget rarely exceeds $500. My most expensive piece is probably a $300ish wool jacket from Massimo Dutti (which is basically Zara with inflated price tags).

I have an employee making roughly $2500 after tax and he's rocking Balenciaga sneakers and Supreme hoodies, while living in a rented out apartment. And that's still not too bad though, most people here make $1500ish monthly here and I can't fucking leave the house without seeing 15-year-olds in Ralph Lauren, Hilfiger or Guess. I realize it far from being upscale, but in relation to the median income it just ...worrisome?

[Anonymous No.14306005]

>>14305709
How do you make 300k after taxes in eastern europe?

[Anonymous No.14306360]

29 F, SouthAmerica

13k a year
50% rent
20% utilities
30% food

And I'm doing good

[Anonymous No.14306370]

>>14302775
Hie much of an idiot are you? say taxes take 10% over 10k, say you have 10.6k, you fucking donate that 0.6k so you get the tax cut, 0.6k is less than 1.06k

[Anonymous No.14306387]

>>14302185

>Let's say you get Y money taxed at rate R, as long as Y is more than T
> if(Y>T) { (1-R)*Y} else {1*Y}

ftfy.pdf

[Anonymous No.14306418]

22, M
>2 million
>100% chemotherapy

[Anonymous No.14306443]

>>14306360
Hola que tal mami, tienes discord ?

[Anonymous No.14306497]

>>14302185

>Tax accountant
Everyone in this thread is underaged and doesn’t understand taxes

Donating to charity technically always means you are benefiting less from taxes than you would be from keeping it if you want to think of it in a purely dollar for dollar way.

Numbers won’t be exact obvi but
>donate one dollar
>get 80 cents in tax benefit

Also, since pic in OP does not own a home he will not itemize and therefore will not benefit at all from donations on his taxes so realistically in the current year
>donate one dollar
> get no real benefit for taxes in current year

[Anonymous No.14306519]

>>14297453
i make them myself
i'm a student

[Anonymous No.14306934]

>>14306005

I run a small IT company.

[Anonymous No.14307037]

>>14297665
>thrifting all clothes I don't remember bying something new except underwear
This. They have better and more unique stuff than all the shops in comfortable reach, even the highest quality stuff costs way below 100€ and you won't have to feel bad about directly supporting a industry that fucks up ecosystems and workers health, instead you support reusing resources.

[Anonymous No.14307054]

>>14299698
>city flat
>4 rooms, 2 balconies
>500€, heat, energy, etc. and rented little garden a few blocks down included
Bless commie blocks.

[Anonymous No.14307159]

>>14307037

You sure make a change, anon.

[Anonymous No.14307161]

>>14297453
Yuro public servant, level A2 and hopefully promoting to A1 this year. Not rich but i can afford nice clothing.

[Anonymous No.14307163]

>>14298327
>I live with my parents
Based

[Anonymous No.14307906]

>>14297453
If he were good with money he wouldn't need to spend any money on a fucking house cleaner. Like how inept do you have to be to let the place you live get dirty?

Also, why does he spend more on donations than on fucking groceries? also how do you only spend $20 on internet? This shit is not adding up

[Anonymous No.14308046]

>>14306497
Finally, I work in tax and the confident but utterly invalid responses have me doing loops.

Charitable contributions are only beneficial if they are to a qualified 501(c)(3)—NO political contributions, and you have to be itemizing your deductions on schedule A, which almost no one young person will because a) do not own a home b) do not run their own business c) little medical expenses and d) have no where near enough income to donate > the standard deduction of 12,000

In short, any charitable contributions you make will likely have 0 tax benefit

[Anonymous No.14308496]

>>14306443
Ivy #4145

[Anonymous No.14308709]

>>14299698
Any other state that's not California. >>14300201
Your basically a slave you moron. Who gives a fuck where you work. I bet you have very little saved. And guess what your never gonna be able to buy a house in the bay area that's not in the east bay. I enjoy a better lifestyle than you in a house that's more expensive than yours in a better part of the bay area and guess what I don't even have a fucking job. You a poser with no right to talk down to anyone.
>>14301710
My thoughts exactly not even in Bayview or outter mission are things that cheep.

>>14300188
I know It baffles me

[Anonymous No.14308714]

>>14307906
>Like how inept do you have to be to let the place you live get dirty?

Are you retarded?

[Anonymous No.14308793]

>>14300201
lmafo almost 30 and only making 80k at fucking google
imagine, the confidence to brag about it on the internet
you’re either full of shit or driving the bus

[Anonymous No.14309657]

>>14308714
Suck my dick asswipe