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How to make $200k and just get by (pic/chart

https://qph.ec.quoracdn.net/main-qimg-a6249a6a24542e93745985...
marvelous medicated library
  01/14/18
Problem: children
pink principal's office
  01/14/18
This is like the perfect chart for an XO 100-post thread.
shivering maize idea he suggested
  01/15/18
that misc is way too low and child care way too high.
Nofapping Anal Personal Credit Line Menage
  01/14/18
That childcare cost is common in DC; it's insane.
fishy laughsome stain goyim
  01/14/18
Nah, $2k/mo is normal in any major metro. It works out to l...
shivering maize idea he suggested
  01/15/18
More like $2,800-$3k in NYC for full-time care.
spruce titillating office
  03/08/18
Just scraping by contributing max to 401k and paying off 3k ...
Amethyst Adventurous Stag Film Pistol
  01/14/18
If a kid goes to 2 or 3 lessons a week, that's 5k. If you ha...
cracking jap
  01/14/18
also lolled at $8k a year on vacations
glittery flatulent organic girlfriend degenerate
  01/14/18
Also 4800 in gas. Are they fucking truck drivers or somethin...
Amethyst Adventurous Stag Film Pistol
  01/14/18
...
Citrine sanctuary cumskin
  01/15/18
Both have long commutes in SUVs
unholy salmon voyeur stead
  01/15/18
Yet somehow still manage to pay an absurd mortgage even thou...
Abusive Zombie-like Base
  01/15/18
Yeah, McMansions don’t pay for themselves
unholy salmon voyeur stead
  01/15/18
the whole point of living far out (at least in the coastal c...
Abusive Zombie-like Base
  01/15/18
To you. To them it’s about getting a giant fucking house.
unholy salmon voyeur stead
  01/15/18
thats actually reasonable. i have a 17-mile one-way commute ...
charcoal trust fund house
  01/15/18
40 miles a day, 25 mpg, $2.50 gas, 6 days a week, is $24 per...
trip magenta toaster
  01/19/18
If his fill up costs 50 bucks, he’s probably not driving a c...
unholy salmon voyeur stead
  01/19/18
gas = booger sugar
Talented theater stage
  01/19/18
I spend that on one vacation a year.
Hyperactive Soul-stirring Potus Yarmulke
  01/15/18
...
Copper Big Incel
  01/15/18
(not my wife)
ultramarine church
  01/15/18
that one actually seems reasonable to me. if we assume 4 ...
Boyish multi-billionaire legend
  01/15/18
Yeah who doesn't have 4 weeks off for luxury vacations?
Abusive Zombie-like Base
  01/15/18
...
Turquoise 180 property french chef
  01/15/18
for a family, thats actually reasonable
bateful meetinghouse
  01/15/18
...
gaped excitant heaven dysfunction
  01/15/18
...
bateful meetinghouse
  01/15/18
spin, ratfucks
sinister spectacular public bath
  01/15/18
kikes definitely made this "chart"
Frisky brindle cuckold corner
  01/14/18
kikes do not spend like this. these are 100% goys.
Citrine sanctuary cumskin
  01/15/18
Twist: you are both right. Kikes made this chart for goys
unholy salmon voyeur stead
  01/15/18
...
Arousing emerald point elastic band
  01/15/18
yeah thought that was my obvious meaning
Frisky brindle cuckold corner
  01/15/18
...
Flushed tantric stage
  01/15/18
...
Citrine sanctuary cumskin
  01/15/18
...
shivering maize idea he suggested
  01/15/18
...
Cerise mind-boggling address ape
  03/08/18
...
shivering maize idea he suggested
  01/15/18
Missed the more obvious way to make 200k and only get by: Ha...
fishy laughsome stain goyim
  01/15/18
great troll job making me mad as fuck
Stimulating Vengeful Gas Station Boistinker
  01/15/18
...
bateful meetinghouse
  01/15/18
Maxing retirement savings Taking two oppulent vacations a y...
electric cruise ship
  01/15/18
LOL @ "opulent" 2 vacations for a family of 4 tota...
Dark dopamine kitchen
  01/15/18
You should write an article about it lmao
fragrant azn police squad
  01/15/18
...
mildly autistic selfie university
  01/15/18
Underrated
shivering maize idea he suggested
  01/15/18
This is a solidly UMC life for 140k + 60k incomes. Don't see...
French aphrodisiac parlor ratface
  01/15/18
significant savings, discretionary spending, and a good life...
underhanded rambunctious depressive native
  01/15/18
they are not 'just getting by'. they are living lavishly, co...
bateful meetinghouse
  01/15/18
agreed. could delay having kids, could cut the lessons if a...
Boyish multi-billionaire legend
  01/15/18
TBF, if both are working they can’t afford to max both IRAs.
shivering maize idea he suggested
  01/15/18
Is that 30% rate all inclusive or just Federal? If just Fed...
Boyish multi-billionaire legend
  01/15/18
Why would it not be all inclusive? Do u see state, payroll, ...
ultramarine church
  01/15/18
I don't see state, but I've never seen "federal + state...
Boyish multi-billionaire legend
  01/15/18
Yeah that’s not the normal usage of that term but whatever. ...
ultramarine church
  01/15/18
And why does it list donations to charity coming out of post...
Peach charismatic travel guidebook locus
  01/15/18
It’s not a top line deduction so it’s not that simple. Also...
Primrose Wonderful Therapy
  01/15/18
$3,000 in consumer debt? No one with a college degree should...
Bull Headed Quadroon Pozpig
  01/15/18
$6000 on car payments?
Greedy step-uncle's house crotch
  01/15/18
Yeah, seems low
unholy salmon voyeur stead
  01/15/18
And how the hell would they be spending $400 a month on fuel...
Bright school cafeteria
  01/19/18
My wife and I make over 400k (like 480k with full bonus) and...
Azure factory reset button resort
  01/15/18
LMAO pepper angus, bro
unholy salmon voyeur stead
  01/15/18
Ya man. I’m definitely a biglaw slave now.
Azure factory reset button resort
  01/15/18
(profligate guy with no budget)
electric cruise ship
  01/15/18
The draw of home ownership is what’s doing this to me. I cou...
Azure factory reset button resort
  01/15/18
400k is about 22k a month after taxes. A 30 year mortagag...
electric cruise ship
  01/15/18
I pay 5500 for property taxes, homeowners insurance, and mor...
Azure factory reset button resort
  01/15/18
with maxed 401ks, a 45% federal, state, and local effective ...
electric cruise ship
  01/15/18
You're leaking a lot of money somewhere. Get a fuckin budget...
ultramarine church
  01/15/18
You’re right. Also some of this is hard to analyze because w...
Azure factory reset button resort
  01/15/18
Protup: she's giving an allowance to Darnell You're budge...
Abusive Zombie-like Base
  01/19/18
CR is to not have kids
Garnet mischievous newt
  01/15/18
(Shlomo Kikesteinberg)
godawful den preventive strike
  01/15/18
thats what i make and i can tell you mortgage is way too hig...
charcoal trust fund house
  01/15/18
lol why the fuck does someone making $200k think they xan af...
charcoal trust fund house
  01/15/18
In dc houses under 700k have bullets flying over them.
Azure factory reset button resort
  01/15/18
then dont work in dc
charcoal trust fund house
  01/15/18
if you're buying a house in DC why are you spending $5000 pe...
Abusive Zombie-like Base
  01/15/18
...
fear-inspiring piazza
  01/15/18
it's a made-up budget by some financial porn site, specifica...
floppy gunner
  01/15/18
Who makes 200k and still has a $500 car payment per month
Sepia Provocative Faggot Firefighter Hissy Fit
  01/15/18
...
gaped excitant heaven dysfunction
  01/15/18
I do. And my HHI is $350k. Lots of much richer people tha...
erotic irradiated headpube
  01/15/18
Most Americans making 200k
unholy salmon voyeur stead
  01/19/18
Forgot the 20k/yr line item for cocaine
Abusive Zombie-like Base
  01/15/18
(XO 2018)
fear-inspiring piazza
  01/15/18
In the cities where it's feasible to get a wagecuck salary o...
godawful den preventive strike
  01/15/18
...
Translucent corn cake
  01/15/18
Amazing how so many high functioning autistic dweebs with to...
Razzmatazz Orange Windowlicker
  01/15/18
and then make "prole tell" posts
hilarious purple parlour
  01/15/18
i hate people who act like their 401k doesnt count as money
Odious henna philosopher-king haunted graveyard
  01/15/18
they gutted social security and took away pensions, yeah, fu...
Translucent corn cake
  01/15/18
Protip: in 30 years after the social security fund is fully ...
Abusive Zombie-like Base
  01/19/18
I don't have kids and I made $200k when I was 25 with $0 loa...
Onyx spot
  01/15/18
I assume someone making so little qualifies for public assis...
Primrose Wonderful Therapy
  01/15/18
How does he afford crippling alcoholism?
shivering maize idea he suggested
  01/15/18
"consumer debt" lmao
hilarious purple parlour
  01/15/18
why didn't they just buy crypto?
hilarious purple parlour
  01/15/18
they didnt want to be -200k in the hole
marvelous medicated library
  01/17/18
?
Primrose Wonderful Therapy
  01/19/18
?
Outnumbered state
  01/19/18
Ljl at 5k for "children's lessons"
Ruddy comical antidepressant drug tank
  01/17/18
"Children's lessons" gives it away that this list ...
Buck-toothed Obsidian Center
  01/19/18
We deal with it by asking, “Where does it all go?” and retu...
Orchid thriller garrison
  01/19/18
"I'm barely getting by!" she screeched as she chec...
Bull Headed Quadroon Pozpig
  01/19/18
*his ballet lesson
marvelous medicated library
  01/19/18
$1000 for food for a family of four is low. Basically 100% ...
talking useless brakes liquid oxygen
  01/19/18
Agree, if you make 200k you're gonna eat out with the family...
Beady-eyed Sapphire Church Building
  03/08/18
Their main issue is that nobody making $200k should be buyin...
Yellow lay
  01/19/18
found it! https://www.financialsamurai.com/how-to-make-si...
dashing confused coldplay fan nursing home
  03/08/18
lol they actually forgot healthcare insurance
Razzle metal national double fault
  03/08/18


Poast new message in this thread



Reply Favorite

Date: January 14th, 2018 11:51 PM
Author: marvelous medicated library

https://qph.ec.quoracdn.net/main-qimg-a6249a6a24542e93745985a058acdbdb

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35158058)



Reply Favorite

Date: January 14th, 2018 11:53 PM
Author: pink principal's office

Problem: children

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35158069)



Reply Favorite

Date: January 15th, 2018 7:29 PM
Author: shivering maize idea he suggested

This is like the perfect chart for an XO 100-post thread.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35163373)



Reply Favorite

Date: January 14th, 2018 11:53 PM
Author: Nofapping Anal Personal Credit Line Menage

that misc is way too low and child care way too high.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35158071)



Reply Favorite

Date: January 14th, 2018 11:58 PM
Author: fishy laughsome stain goyim

That childcare cost is common in DC; it's insane.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35158095)



Reply Favorite

Date: January 15th, 2018 7:31 PM
Author: shivering maize idea he suggested

Nah, $2k/mo is normal in any major metro. It works out to like $16/hour.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35163384)



Reply Favorite

Date: March 8th, 2018 3:33 PM
Author: spruce titillating office

More like $2,800-$3k in NYC for full-time care.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35563302)



Reply Favorite

Date: January 14th, 2018 11:54 PM
Author: Amethyst Adventurous Stag Film Pistol

Just scraping by contributing max to 401k and paying off 3k of consumer debt with 5k in "lessons". Truly middle class salt of the earth problems

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35158073)



Reply Favorite

Date: January 14th, 2018 11:56 PM
Author: cracking jap

If a kid goes to 2 or 3 lessons a week, that's 5k. If you have two kids and they go to a single lesson a week, that's 5k as well.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35158080)



Reply Favorite

Date: January 14th, 2018 11:56 PM
Author: glittery flatulent organic girlfriend degenerate

also lolled at $8k a year on vacations

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35158081)



Reply Favorite

Date: January 14th, 2018 11:58 PM
Author: Amethyst Adventurous Stag Film Pistol

Also 4800 in gas. Are they fucking truck drivers or something?

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35158090)



Reply Favorite

Date: January 15th, 2018 12:01 AM
Author: Citrine sanctuary cumskin



(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35158119)



Reply Favorite

Date: January 15th, 2018 8:13 AM
Author: unholy salmon voyeur stead

Both have long commutes in SUVs

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159184)



Reply Favorite

Date: January 15th, 2018 9:10 AM
Author: Abusive Zombie-like Base

Yet somehow still manage to pay an absurd mortgage even though they live way out in the burbs

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159293)



Reply Favorite

Date: January 15th, 2018 12:35 PM
Author: unholy salmon voyeur stead

Yeah, McMansions don’t pay for themselves

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35160396)



Reply Favorite

Date: January 15th, 2018 3:24 PM
Author: Abusive Zombie-like Base

the whole point of living far out (at least in the coastal cities) is that it's cheaper...

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35161556)



Reply Favorite

Date: January 15th, 2018 3:48 PM
Author: unholy salmon voyeur stead

To you. To them it’s about getting a giant fucking house.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35161727)



Reply Favorite

Date: January 15th, 2018 8:21 AM
Author: charcoal trust fund house

thats actually reasonable. i have a 17-mile one-way commute that i make 6 days a week on average. wife has a shorter commute. between the two of us on average we fill up each vehicle once a week at ~$50 each, so call it $5,200/yr

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159202)



Reply Favorite

Date: January 19th, 2018 10:57 AM
Author: trip magenta toaster

40 miles a day, 25 mpg, $2.50 gas, 6 days a week, is $24 per week, broski.

In order to spend $5200 on gas, EACH of you would have to average 75 miles driving EVERY DAY.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35188658)



Reply Favorite

Date: January 19th, 2018 12:11 PM
Author: unholy salmon voyeur stead

If his fill up costs 50 bucks, he’s probably not driving a car that gets 25 mpg. He’s still off but average couple with commutes are paying easily 3 grand a year. It’s not hard to see someone paying 5k if they have long commutes and cars with shit gas mileage.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35189179)



Reply Favorite

Date: January 19th, 2018 10:56 AM
Author: Talented theater stage

gas = booger sugar

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35188653)



Reply Favorite

Date: January 15th, 2018 12:01 AM
Author: Hyperactive Soul-stirring Potus Yarmulke

I spend that on one vacation a year.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35158113)



Reply Favorite

Date: January 15th, 2018 12:05 AM
Author: Copper Big Incel



(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35158142)



Reply Favorite

Date: January 15th, 2018 1:48 AM
Author: ultramarine church

(not my wife)

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35158622)



Reply Favorite

Date: January 15th, 2018 2:13 AM
Author: Boyish multi-billionaire legend

that one actually seems reasonable to me.

if we assume 4 weeks off and a family, even if you just went on 2 main vacations, the plane tickets, hotels, etc. add up.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35158691)



Reply Favorite

Date: January 15th, 2018 9:12 AM
Author: Abusive Zombie-like Base

Yeah who doesn't have 4 weeks off for luxury vacations?

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159294)



Reply Favorite

Date: January 15th, 2018 7:08 PM
Author: Turquoise 180 property french chef



(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35163247)



Reply Favorite

Date: January 15th, 2018 2:15 AM
Author: bateful meetinghouse

for a family, thats actually reasonable

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35158693)



Reply Favorite

Date: January 15th, 2018 8:27 AM
Author: gaped excitant heaven dysfunction



(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159208)



Reply Favorite

Date: January 15th, 2018 2:04 AM
Author: bateful meetinghouse



(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35158667)



Reply Favorite

Date: January 15th, 2018 2:06 AM
Author: sinister spectacular public bath

spin, ratfucks

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35158673)



Reply Favorite

Date: January 14th, 2018 11:57 PM
Author: Frisky brindle cuckold corner

kikes definitely made this "chart"

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35158086)



Reply Favorite

Date: January 15th, 2018 12:02 AM
Author: Citrine sanctuary cumskin

kikes do not spend like this. these are 100% goys.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35158122)



Reply Favorite

Date: January 15th, 2018 8:10 AM
Author: unholy salmon voyeur stead

Twist: you are both right. Kikes made this chart for goys

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159175)



Reply Favorite

Date: January 15th, 2018 8:22 AM
Author: Arousing emerald point elastic band



(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159204)



Reply Favorite

Date: January 15th, 2018 9:51 AM
Author: Frisky brindle cuckold corner

yeah thought that was my obvious meaning

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159396)



Reply Favorite

Date: January 15th, 2018 10:23 AM
Author: Flushed tantric stage



(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159567)



Reply Favorite

Date: January 15th, 2018 4:21 PM
Author: Citrine sanctuary cumskin



(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35161991)



Reply Favorite

Date: January 15th, 2018 7:31 PM
Author: shivering maize idea he suggested



(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35163386)



Reply Favorite

Date: March 8th, 2018 3:15 PM
Author: Cerise mind-boggling address ape



(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35563128)



Reply Favorite

Date: January 15th, 2018 7:31 PM
Author: shivering maize idea he suggested



(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35163385)



Reply Favorite

Date: January 15th, 2018 12:01 AM
Author: fishy laughsome stain goyim

Missed the more obvious way to make 200k and only get by: Having to spend 20k or more a year paying down massive law school debt.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35158120)



Reply Favorite

Date: January 15th, 2018 12:04 AM
Author: Stimulating Vengeful Gas Station Boistinker

great troll job making me mad as fuck

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35158133)



Reply Favorite

Date: January 15th, 2018 2:04 AM
Author: bateful meetinghouse



(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35158668)



Reply Favorite

Date: January 15th, 2018 12:08 AM
Author: electric cruise ship

Maxing retirement savings

Taking two oppulent vacations a year

Living in a 700k house

Driving a nice car

And, having thousands left over

Is a very good life

He makes 200k. It's classic UMC.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35158159)



Reply Favorite

Date: January 15th, 2018 8:57 AM
Author: Dark dopamine kitchen

LOL @ "opulent" 2 vacations for a family of 4 totaling $8k sounds pretty bare bones. They should get in DAT points game.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159268)



Reply Favorite

Date: January 15th, 2018 9:15 AM
Author: fragrant azn police squad

You should write an article about it lmao

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159299)



Reply Favorite

Date: January 15th, 2018 10:29 AM
Author: mildly autistic selfie university



(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159603)



Reply Favorite

Date: January 15th, 2018 7:32 PM
Author: shivering maize idea he suggested

Underrated

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35163392)



Reply Favorite

Date: January 15th, 2018 1:42 AM
Author: French aphrodisiac parlor ratface

This is a solidly UMC life for 140k + 60k incomes. Don't see the problem here

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35158609)



Reply Favorite

Date: January 15th, 2018 1:48 AM
Author: underhanded rambunctious depressive native

significant savings, discretionary spending, and a good lifestyle. this is a clownworld shitlib definition of 'just getting by.'



(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35158624)



Reply Favorite

Date: January 15th, 2018 2:05 AM
Author: bateful meetinghouse

they are not 'just getting by'. they are living lavishly, contributing handsomely to retirement and spending liberally on ridiculous shit. could easily tighten things up substantially.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35158669)



Reply Favorite

Date: January 15th, 2018 2:11 AM
Author: Boyish multi-billionaire legend

agreed. could delay having kids, could cut the lessons if already had kids. cut the charity if just scraping by.

also, 3k sounds like not that much for clothing, but that's quite a bit if you're doing it every year. 4800 on gas seems like too much too.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35158689)



Reply Favorite

Date: January 15th, 2018 7:32 PM
Author: shivering maize idea he suggested

TBF, if both are working they can’t afford to max both IRAs.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35163394)



Reply Favorite

Date: January 15th, 2018 2:07 AM
Author: Boyish multi-billionaire legend

Is that 30% rate all inclusive or just Federal? If just Federal that seems way too high.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35158678)



Reply Favorite

Date: January 15th, 2018 2:09 AM
Author: ultramarine church

Why would it not be all inclusive? Do u see state, payroll, property, sales, etc. somewhere else?

Edit: property is listed separate tif. Still pretty close tho, at least in a high tax state..

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35158685)



Reply Favorite

Date: January 15th, 2018 2:12 AM
Author: Boyish multi-billionaire legend

I don't see state, but I've never seen "federal + state" described as "effective" rate before.

but 30% seems like a good estimate of total tax rate on 200K for the average state.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35158690)



Reply Favorite

Date: January 15th, 2018 2:17 AM
Author: ultramarine church

Yeah that’s not the normal usage of that term but whatever.

Feds should grab mid to high teens in income tax for a guy with mortgage interest n 2 kids. 7.5 percent for payroll. If the state takes 5%, ur getting close.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35158697)



Reply Favorite

Date: January 15th, 2018 3:57 PM
Author: Peach charismatic travel guidebook locus

And why does it list donations to charity coming out of post-tax dollars? I'm no tax masterman, but wouldn't that basically be pre-tax if you deduct it?

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35161807)



Reply Favorite

Date: January 15th, 2018 8:58 PM
Author: Primrose Wonderful Therapy

It’s not a top line deduction so it’s not that simple. Also, presumably this flame budget accounts for that in the effective tax rate

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35163928)



Reply Favorite

Date: January 15th, 2018 7:52 AM
Author: Bull Headed Quadroon Pozpig

$3,000 in consumer debt? No one with a college degree should have this.

$5,000 in lessons for your child? LJL if they're young enough to need $24k in "childcare" (younger than 5) why are they taking lessons? If it's a second child, live in a good school district where they offer music, dance, etc., and avoid paying for this flame.

$8,000 in vacations? If your barely getting by use points and take one vacation.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159161)



Reply Favorite

Date: January 15th, 2018 7:57 AM
Author: Greedy step-uncle's house crotch

$6000 on car payments?

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159166)



Reply Favorite

Date: January 15th, 2018 8:12 AM
Author: unholy salmon voyeur stead

Yeah, seems low

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159179)



Reply Favorite

Date: January 19th, 2018 10:57 AM
Author: Bright school cafeteria

And how the hell would they be spending $400 a month on fuel?

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35188659)



Reply Favorite

Date: January 15th, 2018 8:14 AM
Author: Azure factory reset button resort

My wife and I make over 400k (like 480k with full bonus) and we’re scraping by. Just stopped putting money in our 401ks.

Houses and child care here are stupid expensive and I think we probably spent too much on both. We’re canceling vacations this year.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159185)



Reply Favorite

Date: January 15th, 2018 8:15 AM
Author: unholy salmon voyeur stead

LMAO

pepper angus, bro

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159189)



Reply Favorite

Date: January 15th, 2018 8:17 AM
Author: Azure factory reset button resort

Ya man. I’m definitely a biglaw slave now.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159197)



Reply Favorite

Date: January 15th, 2018 8:35 AM
Author: electric cruise ship

(profligate guy with no budget)

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159217)



Reply Favorite

Date: January 15th, 2018 8:50 AM
Author: Azure factory reset button resort

The draw of home ownership is what’s doing this to me. I could rent and be fine.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159252)



Reply Favorite

Date: January 15th, 2018 8:55 AM
Author: electric cruise ship

400k is about 22k a month after taxes.

A 30 year mortagage on a 2 million house is only about 9k a month. You could buy one and have 13k a month left over for other expenses. Seems eminently doable.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159264)



Reply Favorite

Date: January 15th, 2018 9:03 AM
Author: Azure factory reset button resort

I pay 5500 for property taxes, homeowners insurance, and mortgage.

Daycare is 2000 per month.

Until this month my wife and I were maxing out 401k.

Food/gas and things like that are 3000 per month.

Almost half our money goes to state and federal taxes, FICA, Social Security, and other bullshit like that.

And last year we spent too much on vacations, would give in and eat out too often. Would say yes when our kid would beg for a toy. Would say fuck it and buy a new suit for work or a new screw gun because I really wanted them. This is the shit we need to clean up this year.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159276)



Reply Favorite

Date: January 15th, 2018 9:14 AM
Author: electric cruise ship

with maxed 401ks, a 45% federal, state, and local effective tax rate, and the expeses you listed, you still have

16,683-5,500-2,000-3,000

=6,183

per month left over for random expenses or saving

that's a lot of money

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159297)



Reply Favorite

Date: January 15th, 2018 10:07 AM
Author: ultramarine church

You're leaking a lot of money somewhere. Get a fuckin budget.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159486)



Reply Favorite

Date: January 15th, 2018 10:30 AM
Author: Azure factory reset button resort

You’re right. Also some of this is hard to analyze because we just bought the house and spent a ton on a ski trip, so the sample size is small and skewed high. I’ve definitely looked over our expenses and talked to my wife about the shit we need to cut out. Still a little fucking anxious about owning an expensive ass houses.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159609)



Reply Favorite

Date: January 19th, 2018 12:06 PM
Author: Abusive Zombie-like Base

Protup: she's giving an allowance to Darnell

You're budget isn't the only thing that's leaking

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35189135)



Reply Favorite

Date: January 15th, 2018 8:15 AM
Author: Garnet mischievous newt

CR is to not have kids

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159190)



Reply Favorite

Date: January 15th, 2018 11:14 AM
Author: godawful den preventive strike

(Shlomo Kikesteinberg)

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159856)



Reply Favorite

Date: January 15th, 2018 8:18 AM
Author: charcoal trust fund house

thats what i make and i can tell you mortgage is way too high in that chart. so is childcare. car payments are low.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159200)



Reply Favorite

Date: January 15th, 2018 8:25 AM
Author: charcoal trust fund house

lol why the fuck does someone making $200k think they xan afford a $700k home? $450 tops on that salary, but more like $350k if you're responsible

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159205)



Reply Favorite

Date: January 15th, 2018 8:31 AM
Author: Azure factory reset button resort

In dc houses under 700k have bullets flying over them.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159211)



Reply Favorite

Date: January 15th, 2018 8:34 AM
Author: charcoal trust fund house

then dont work in dc

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159215)



Reply Favorite

Date: January 15th, 2018 10:20 AM
Author: Abusive Zombie-like Base

if you're buying a house in DC why are you spending $5000 per year on gas (and over $12k/year overall on cars)?

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159551)



Reply Favorite

Date: January 15th, 2018 10:31 AM
Author: fear-inspiring piazza



(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159621)



Reply Favorite

Date: January 15th, 2018 8:37 AM
Author: floppy gunner

it's a made-up budget by some financial porn site, specifically intended to rile u up

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159220)



Reply Favorite

Date: January 15th, 2018 8:31 AM
Author: Sepia Provocative Faggot Firefighter Hissy Fit

Who makes 200k and still has a $500 car payment per month

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159210)



Reply Favorite

Date: January 15th, 2018 8:41 AM
Author: gaped excitant heaven dysfunction



(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159225)



Reply Favorite

Date: January 15th, 2018 10:39 AM
Author: erotic irradiated headpube

I do. And my HHI is $350k.

Lots of much richer people than I have car payments.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159675)



Reply Favorite

Date: January 19th, 2018 11:57 AM
Author: unholy salmon voyeur stead

Most Americans making 200k

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35189068)



Reply Favorite

Date: January 15th, 2018 9:13 AM
Author: Abusive Zombie-like Base

Forgot the 20k/yr line item for cocaine

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159295)



Reply Favorite

Date: January 15th, 2018 10:30 AM
Author: fear-inspiring piazza

(XO 2018)

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159612)



Reply Favorite

Date: January 15th, 2018 11:19 AM
Author: godawful den preventive strike

In the cities where it's feasible to get a wagecuck salary of $200K it's $800K to get a cookie cutter mini McMansion with a 1-1.5 hour commute and your kids will still go to school with fobs. If they want to play competitive sports that's $5K per kid per year. Effective tax rate is higher and so are most of the other expenses listed besides vacations which can be forgone. Solution: don't be a wagecuck and live in are country

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159898)



Reply Favorite

Date: January 15th, 2018 3:26 PM
Author: Translucent corn cake



(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35161570)



Reply Favorite

Date: January 15th, 2018 11:22 AM
Author: Razzmatazz Orange Windowlicker

Amazing how so many high functioning autistic dweebs with top 1% earnings can be so utterly retarded with money

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35159909)



Reply Favorite

Date: January 15th, 2018 7:53 PM
Author: hilarious purple parlour

and then make "prole tell" posts

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35163542)



Reply Favorite

Date: January 15th, 2018 3:26 PM
Author: Odious henna philosopher-king haunted graveyard

i hate people who act like their 401k doesnt count as money

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35161577)



Reply Favorite

Date: January 15th, 2018 3:27 PM
Author: Translucent corn cake

they gutted social security and took away pensions, yeah, fuck you, it's another tax that responsible people choose to pay so we're not sucking dick when we're 73

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35161589)



Reply Favorite

Date: January 19th, 2018 12:01 PM
Author: Abusive Zombie-like Base

Protip: in 30 years after the social security fund is fully echausted , they'll start taxing you're 401k to pay for the vast irresponsible majority's retirement

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35189099)



Reply Favorite

Date: January 15th, 2018 3:46 PM
Author: Onyx spot

I don't have kids and I made $200k when I was 25 with $0 loans/debt/etc.

Add another $100k for future wife's salary and it seems like a pretty good life. $300k gets you UMC pretty easily.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35161720)



Reply Favorite

Date: January 15th, 2018 7:05 PM
Author: Primrose Wonderful Therapy

I assume someone making so little qualifies for public assistance, right?

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35163228)



Reply Favorite

Date: January 15th, 2018 7:33 PM
Author: shivering maize idea he suggested

How does he afford crippling alcoholism?

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35163398)



Reply Favorite

Date: January 15th, 2018 7:51 PM
Author: hilarious purple parlour

"consumer debt" lmao

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35163528)



Reply Favorite

Date: January 15th, 2018 7:54 PM
Author: hilarious purple parlour

why didn't they just buy crypto?

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35163546)



Reply Favorite

Date: January 17th, 2018 11:12 AM
Author: marvelous medicated library

they didnt want to be -200k in the hole

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35175100)



Reply Favorite

Date: January 19th, 2018 10:46 AM
Author: Primrose Wonderful Therapy

?

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35188595)



Reply Favorite

Date: January 19th, 2018 10:49 AM
Author: Outnumbered state

?

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35188612)



Reply Favorite

Date: January 17th, 2018 11:15 AM
Author: Ruddy comical antidepressant drug tank

Ljl at 5k for "children's lessons"

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35175135)



Reply Favorite

Date: January 19th, 2018 10:54 AM
Author: Buck-toothed Obsidian Center

"Children's lessons" gives it away that this list was made by some chink

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35188645)



Reply Favorite

Date: January 19th, 2018 11:05 AM
Author: Orchid thriller garrison

We deal with it by asking, “Where does it all go?” and returning to the treadmill without doing the depressing analysis you kindly provided.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35188711)



Reply Favorite

Date: January 19th, 2018 11:43 AM
Author: Bull Headed Quadroon Pozpig

"I'm barely getting by!" she screeched as she checked her 401(k) balance on her phone (maxed it out again this month) while waiting in line in her leased Mercedes to pick up Harper from her ballet lessons. "I hope Harper finishes up soon," she thought to herself. "I still have to pack for our vacation to the Bahamas next week."

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35188976)



Reply Favorite

Date: January 19th, 2018 12:20 PM
Author: marvelous medicated library

*his ballet lesson

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35189279)



Reply Favorite

Date: January 19th, 2018 12:16 PM
Author: talking useless brakes liquid oxygen

$1000 for food for a family of four is low. Basically 100% groceries, bring lunch from home, almost no eating out. Also, not sure where things like cell and internet are in this--I guess "home maintenance"?

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35189229)



Reply Favorite

Date: March 8th, 2018 3:23 PM
Author: Beady-eyed Sapphire Church Building

Agree, if you make 200k you're gonna eat out with the family some. That's hardly an absurd extravagance, since lots of proles eat out.



(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35563207)



Reply Favorite

Date: January 19th, 2018 12:23 PM
Author: Yellow lay

Their main issue is that nobody making $200k should be buying a $700k house. Math also doesn’t check out since mortgage amount is $3000/mo so they only put like $50k down?

Also stupid spending here and there like $8k on vacation, $3k “consumer debt,” expensive car payments, expensive kids lessons etc.

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35189314)



Reply Favorite

Date: March 8th, 2018 3:12 PM
Author: dashing confused coldplay fan nursing home

found it!

https://www.financialsamurai.com/how-to-make-six-figures-a-year-and-not-feel-rich-200000-income-edition/

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35563090)



Reply Favorite

Date: March 8th, 2018 3:17 PM
Author: Razzle metal national double fault

lol they actually forgot healthcare insurance

(http://www.autoadmit.com/thread.php?thread_id=3859865&forum_id=2#35563152)