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Married couple making $1 million/yr able to save $54k/yr (link)

https://www.financialsamurai.com/when-earning-one-million-a-...
histrionic hell
  08/16/18
What is a 5 week Staycation?
Razzle Primrose Abode
  08/16/18
The five weeks is total vacation time.
histrionic hell
  08/16/18
wonder what the husband would get if he filed for divorce lm...
Aphrodisiac stage striped hyena
  08/16/18
holy fuck i wish my property taxes were 0.627% of my home's ...
Turquoise space
  08/16/18
NYC property taxes are relatively low because there's a city...
Thriller wrinkle personal credit line
  08/17/18
And because you own relatively little.
Rose affirmative action new version
  08/18/18
lol
passionate walnut cumskin
  08/16/18
ljfl
Bespoke Comical Corner
  08/16/18
54k excludes 401k, college plan, principal payments on mortg...
stirring jet-lagged public bath
  08/16/18
Principal payments on mortgage is not "saving." It...
Smoky Theater Stage Dopamine
  08/16/18
The definitional debate isn't all that interesting, but it's...
charismatic transparent church building milk
  08/16/18
net equity in the asset you acquired with the debt is saving...
coral stead
  08/16/18
when you earn $500, whether you put it in savings or toward ...
Fragrant bearded sandwich market
  08/16/18
I'm also confused by this. Take a simple example where I ...
Heady jet depressive roast beef
  08/17/18
don't bother with him, he's a full rtard
Ruby knife
  08/17/18
lol at only owning a $1.5M house
cordovan doctorate tank
  08/16/18
lol at your reading comp skills
Turquoise space
  08/16/18
...
Heady jet depressive roast beef
  08/16/18
...
cordovan doctorate tank
  08/16/18
...
histrionic hell
  08/17/18
...
Vigorous hall ratface
  08/17/18
gas (premium unleaded)
bateful charcoal parlor dragon
  08/16/18
*doesn't count deposits into actual tax-benefit savings vehi...
coral stead
  08/16/18
160k+ a year for kids lol
cordovan doctorate tank
  08/16/18
"B-b-but property taxes in the suburbs are so expensive...
Heady jet depressive roast beef
  08/16/18
They still pay over $17k/year in property taxes, which isn't...
Vigorous hall ratface
  08/17/18
That's probably wrong. It's more than double the comparable...
Thriller wrinkle personal credit line
  08/17/18
True. That one is only $7243/year.
Vigorous hall ratface
  08/18/18
Is it common for NYC residents to belong to a country club? ...
Heady jet depressive roast beef
  08/16/18
are Asians allowed in country clubs?
onyx razzle-dazzle pocket flask
  08/17/18
After a nice meal, the Chens like to hit up a Broadway show....
cordovan doctorate tank
  08/16/18
Colin is a car enthusiast, and Rachel appreciates the utilit...
cordovan doctorate tank
  08/16/18
OH WHAT A CAR ENTHUSIAST
galvanic brilliant rehab
  08/16/18
"she likes safety...as a result, 100k SUV"
cordovan doctorate tank
  08/16/18
...
Adventurous big-titted dog poop
  08/17/18
I rike ah utirity. I rike ah safety. I rike ah Lange Lovel.
motley digit ratio
  08/16/18
...
Razzle Primrose Abode
  08/16/18
...
Heady jet depressive roast beef
  08/16/18
...
Drunken ivory place of business state
  08/16/18
...
arousing kitty pozpig
  08/17/18
...
curious lodge police squad
  08/17/18
Yet they also spend a bunch on public transportation. Odd c...
Vigorous hall ratface
  08/17/18
LOL at spending $1400/mo on a 911S
Fantasy-prone native
  08/17/18
Lol at making car payments on a Range Rover Velar
galvanic brilliant rehab
  08/16/18
Her pantsuits from Gucci, Dolce, and Chanel easily cost betw...
cordovan doctorate tank
  08/16/18
btw, this is exactly what you and i discuss regarding home p...
Heady jet depressive roast beef
  08/16/18
you'r not "affording" a home if you're taking out ...
Glittery black woman
  08/16/18
Are the bags even double-stitched by hand?
motley digit ratio
  08/16/18
...
floppy box office indirect expression
  08/17/18
Given Colin is a stay at home dad, he doesn’t need to spend ...
cordovan doctorate tank
  08/16/18
That’s not so crazy.
Fear-inspiring Library Stock Car
  08/16/18
That AP is probably 25-30 now?
cerise stag film idiot
  08/16/18
No idea, but having a nice old watch and wearing $300 jeans ...
Fear-inspiring Library Stock Car
  08/17/18
that's fair. I had two pair of $200 jeans in high school and...
Adventurous big-titted dog poop
  08/17/18
Yet, Rachel tells me she doesn’t know if it’s worth working ...
cordovan doctorate tank
  08/16/18
No. Their annual savings is $167,733. $18,500 (401k) +...
charismatic transparent church building milk
  08/16/18
also 25k to charity
cordovan doctorate tank
  08/16/18
that's still a retarded savings rate on $1MM/yr. They shoul...
greedy puppy university
  08/16/18
its 40% of their after tax, while still spending buckwild
cordovan doctorate tank
  08/16/18
Yes, they could easily save more.
charismatic transparent church building milk
  08/16/18
risten
flickering school
  08/16/18
Rachel sees a therapist every other week to help her manage ...
cordovan doctorate tank
  08/16/18
LOOOOOOOOOOOOOOOL Colin also sees a therapist once a mont...
cordovan doctorate tank
  08/16/18
...
Heady jet depressive roast beef
  08/16/18
yes, this is definitely a happy marriage
greedy puppy university
  08/16/18
Rachel envies Colin’s time at home. Most of her girlfriends ...
cordovan doctorate tank
  08/16/18
...
Heady jet depressive roast beef
  08/16/18
I thought this was a flame until I checked the article.
spectacular costumed church idea he suggested
  08/16/18
...
charismatic transparent church building milk
  08/16/18
...
Razzle Primrose Abode
  08/16/18
...
Chestnut Lascivious Indian Lodge
  08/16/18
...
Orchid Useless Brakes
  08/17/18
...
Vigorous hall ratface
  08/17/18
...
Bespoke Comical Corner
  08/16/18
I would say that Colin is fucking Rachel's girlfriends at th...
milky resort masturbator
  08/16/18
...
insane useless theater foreskin
  08/16/18
...
Vigorous hall ratface
  08/17/18
irl lol
Adventurous big-titted dog poop
  08/17/18
all of that basically makes sense, tbf
flickering school
  08/16/18
What a pussy. I'd take that job. Where do I find a seven-...
charismatic transparent church building milk
  08/16/18
in a fucking heartbeat
offensive misunderstood area
  08/17/18
...
histrionic hell
  08/17/18
this is the funniest article ive read on xo in some time. th...
cordovan doctorate tank
  08/16/18
By the way, can we take a minute to note the irony of a port...
charismatic transparent church building milk
  08/16/18
...
hilarious lake dilemma national security agency
  08/16/18
Portfolio manager knows best that it's a scam
Trip Anal Orchestra Pit Cuckold
  08/18/18
Jfc. Guillotines.
hilarious lake dilemma national security agency
  08/16/18
Lol author must be writing xoxo bait with references to bott...
Mind-boggling Spot Selfie
  08/16/18
By the way, where the fuck are they driving? Both of thei...
charismatic transparent church building milk
  08/16/18
The Chens drive their Velar to the Hamptons many weekends du...
Aromatic Regret Shrine
  08/16/18
I made well over a million last year and I'm about to break ...
spectacular costumed church idea he suggested
  08/16/18
Does your Eating Out figure include future cancer treatment?
Glittery black woman
  08/16/18
LOL
Heady jet depressive roast beef
  08/16/18
My wife pays me well for my service.
spectacular costumed church idea he suggested
  08/16/18
...
Vibrant Bearded Property Hissy Fit
  08/16/18
These people should be put down
Bossy business firm
  08/16/18
These people are not real
Scarlet weed whacker menage
  08/16/18
Wow, some people are really dumb.
deep unhinged athletic conference filthpig
  08/16/18
Next recession will be 180
Bisexual senate
  08/16/18
...
insane useless theater foreskin
  08/16/18
How big is Colin's cock?
Multi-colored Base
  08/16/18
Misspelled "boiclit"
federal location
  08/16/18
fatal flaw: only $225 in car insurance for both a porsche an...
Balding exciting chapel genital piercing
  08/16/18
My insurance on just a 911 was $550 per 6 months ($91.67/mon...
charismatic transparent church building milk
  08/16/18
NYC Insurance is cheap. And that’s per month.
titillating at-the-ready tanning salon
  08/17/18
That’s bullshit If true. I pay like 175 a month for my econo...
Balding exciting chapel genital piercing
  08/18/18
I know two NYC couples with similar incomes (1 spouse as a b...
concupiscible brunch
  08/16/18
I have a hard time understanding high earners who don't save...
charismatic transparent church building milk
  08/16/18
y'all realize this is fiction right
onyx razzle-dazzle pocket flask
  08/17/18
Although I do appreciate the author's downright nutellaesque...
onyx razzle-dazzle pocket flask
  08/17/18
*asks hedge fund manager for a three month sabbatical*
marvelous kitchen
  08/17/18
Which, works better if your husband isn't a leech. $500k +...
Vigorous hall ratface
  08/17/18
again, this is fiction. this camurai guy has written several...
onyx razzle-dazzle pocket flask
  08/17/18
Oh I agree. Whenever you see "salary of $1,000,000, wh...
Vigorous hall ratface
  08/17/18
Lol I would never offer such unrealistic advice. It’s like ...
Mind-boggling Spot Selfie
  08/17/18
*slaps your round gook face with an average sized white cock...
Scarlet weed whacker menage
  08/18/18
Hilariously, these not unrealistic characters count oppulent...
nubile skinny woman
  08/17/18
This.
histrionic hell
  08/17/18
lol at giving $25k a year to fraud "charities"
Multi-colored Base
  08/17/18
Maybe they are animal rescues in which case I applaud them. ...
Vigorous hall ratface
  08/17/18
You should be gassed
Scarlet weed whacker menage
  08/17/18
no u. But why in this case?
Vigorous hall ratface
  08/18/18
Maybe its a sneaky non-profit they operate.
charismatic transparent church building milk
  08/17/18
It doesn't seem like they're deducting it, which is weird.
Thriller wrinkle personal credit line
  08/17/18
WGWAG - does the author post here?
Maroon national
  08/17/18
So this is 100% confirmed Nutella, right?
Adventurous big-titted dog poop
  08/17/18
LMAO, probably. But she barely makes half that.
Scarlet weed whacker menage
  08/18/18
Devastating. So you're saying she inflates HHI for random st...
Adventurous big-titted dog poop
  08/18/18
Lol we save $300k/year on $800k HHI working 40 hours/week. ...
Mind-boggling Spot Selfie
  08/18/18
Are you planning on paying for private schools?
Vigorous hall ratface
  08/18/18
The public elementary school is excellent but then it’s garb...
Mind-boggling Spot Selfie
  08/18/18
Seems reasonable.
Vigorous hall ratface
  08/18/18
Hilarious clickbait but still makes me feel good
Silver Hairraiser Pit Laser Beams
  08/18/18


Poast new message in this thread



Reply Favorite

Date: August 16th, 2018 3:11 PM
Author: histrionic hell

https://www.financialsamurai.com/when-earning-one-million-a-year-is-not-enough/

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36627698)



Reply Favorite

Date: August 16th, 2018 3:14 PM
Author: Razzle Primrose Abode

What is a 5 week Staycation?

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36627719)



Reply Favorite

Date: August 16th, 2018 3:16 PM
Author: histrionic hell

The five weeks is total vacation time.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36627732)



Reply Favorite

Date: August 16th, 2018 3:24 PM
Author: Aphrodisiac stage striped hyena

wonder what the husband would get if he filed for divorce lmao.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36627778)



Reply Favorite

Date: August 16th, 2018 3:31 PM
Author: Turquoise space

holy fuck i wish my property taxes were 0.627% of my home's value.

also lol at a hedge fund having such a garbage health insurance plan

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36627822)



Reply Favorite

Date: August 17th, 2018 10:13 PM
Author: Thriller wrinkle personal credit line

NYC property taxes are relatively low because there's a city income tax.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36636477)



Reply Favorite

Date: August 18th, 2018 1:50 PM
Author: Rose affirmative action new version

And because you own relatively little.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36639124)



Reply Favorite

Date: August 16th, 2018 3:33 PM
Author: passionate walnut cumskin

lol

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36627832)



Reply Favorite

Date: August 16th, 2018 3:46 PM
Author: Bespoke Comical Corner

ljfl

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36627949)



Reply Favorite

Date: August 16th, 2018 3:49 PM
Author: stirring jet-lagged public bath

54k excludes 401k, college plan, principal payments on mortgage

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36627973)



Reply Favorite

Date: August 16th, 2018 4:37 PM
Author: Smoky Theater Stage Dopamine

Principal payments on mortgage is not "saving." It is repaying a debt.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628318)



Reply Favorite

Date: August 16th, 2018 4:53 PM
Author: charismatic transparent church building milk

The definitional debate isn't all that interesting, but it's at least reasonable to define savings as the amount by which income exceeds consumption and to exclude (or partially exclude) real estate as a consumed good.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628408)



Reply Favorite

Date: August 16th, 2018 5:39 PM
Author: coral stead

net equity in the asset you acquired with the debt is savings

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628710)



Reply Favorite

Date: August 16th, 2018 9:08 PM
Author: Fragrant bearded sandwich market

when you earn $500, whether you put it in savings or toward an a real asset your net worth increases by $500.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36629896)



Reply Favorite

Date: August 17th, 2018 8:52 AM
Author: Heady jet depressive roast beef

I'm also confused by this.

Take a simple example where I buy a house for $1M with a 1 year balloon mortgage at 5%.

are you saying at the end of the year when I have a fully-paid off house worth $1M that I didn't save $1M? Yes, I paid $50k in interest, but I fail to see how you wouldn't count that as savings. I now have a $1M asset on my balance sheet.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36631764)



Reply Favorite

Date: August 17th, 2018 1:06 PM
Author: Ruby knife

don't bother with him, he's a full rtard

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36633183)



Reply Favorite

Date: August 16th, 2018 3:53 PM
Author: cordovan doctorate tank

lol at only owning a $1.5M house

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36627999)



Reply Favorite

Date: August 16th, 2018 3:53 PM
Author: Turquoise space

lol at your reading comp skills

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628014)



Reply Favorite

Date: August 16th, 2018 3:58 PM
Author: Heady jet depressive roast beef



(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628057)



Reply Favorite

Date: August 16th, 2018 3:58 PM
Author: cordovan doctorate tank



(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628060)



Reply Favorite

Date: August 17th, 2018 7:00 AM
Author: histrionic hell



(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36631567)



Reply Favorite

Date: August 17th, 2018 10:37 AM
Author: Vigorous hall ratface



(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36632152)



Reply Favorite

Date: August 16th, 2018 3:57 PM
Author: bateful charcoal parlor dragon

gas (premium unleaded)

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628053)



Reply Favorite

Date: August 16th, 2018 3:58 PM
Author: coral stead

*doesn't count deposits into actual tax-benefit savings vehicles as savings*

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628059)



Reply Favorite

Date: August 16th, 2018 3:58 PM
Author: cordovan doctorate tank

160k+ a year for kids lol

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628063)



Reply Favorite

Date: August 16th, 2018 4:00 PM
Author: Heady jet depressive roast beef

"B-b-but property taxes in the suburbs are so expensive", lisped the urbanite as she wrote another private school check.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628072)



Reply Favorite

Date: August 17th, 2018 10:47 AM
Author: Vigorous hall ratface

They still pay over $17k/year in property taxes, which isn't tiny.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36632201)



Reply Favorite

Date: August 17th, 2018 10:47 PM
Author: Thriller wrinkle personal credit line

That's probably wrong. It's more than double the comparable house they show below.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36636584)



Reply Favorite

Date: August 18th, 2018 1:21 PM
Author: Vigorous hall ratface

True. That one is only $7243/year.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36638925)



Reply Favorite

Date: August 16th, 2018 4:02 PM
Author: Heady jet depressive roast beef

Is it common for NYC residents to belong to a country club? Especially when the dad stays at home?

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628084)



Reply Favorite

Date: August 17th, 2018 6:40 AM
Author: onyx razzle-dazzle pocket flask

are Asians allowed in country clubs?

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36631536)



Reply Favorite

Date: August 16th, 2018 4:16 PM
Author: cordovan doctorate tank

After a nice meal, the Chens like to hit up a Broadway show. Tickets range from $60 up to $1,500 on average for the latest hot show. But given they aren’t earning multi-millions, they often settle for $250 tickets at most. In other words, a date night out easily costs $1,000+.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628157)



Reply Favorite

Date: August 16th, 2018 4:17 PM
Author: cordovan doctorate tank

Colin is a car enthusiast, and Rachel appreciates the utility and safety of an SUV for her kids. As a result, they own the newest Range Rover Velar and Porsche 911S. The P380 Dynamic Velar is leased for $850/month. The Porsche 911S costs $1,400/month.



(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628167)



Reply Favorite

Date: August 16th, 2018 4:19 PM
Author: galvanic brilliant rehab

OH WHAT A CAR ENTHUSIAST

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628176)



Reply Favorite

Date: August 16th, 2018 4:19 PM
Author: cordovan doctorate tank

"she likes safety...as a result, 100k SUV"

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628179)



Reply Favorite

Date: August 17th, 2018 9:16 PM
Author: Adventurous big-titted dog poop



(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36636228)



Reply Favorite

Date: August 16th, 2018 5:38 PM
Author: motley digit ratio

I rike ah utirity. I rike ah safety. I rike ah Lange Lovel.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628703)



Reply Favorite

Date: August 16th, 2018 5:42 PM
Author: Razzle Primrose Abode



(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628727)



Reply Favorite

Date: August 16th, 2018 5:46 PM
Author: Heady jet depressive roast beef



(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628743)



Reply Favorite

Date: August 16th, 2018 8:01 PM
Author: Drunken ivory place of business state



(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36629442)



Reply Favorite

Date: August 17th, 2018 9:23 AM
Author: arousing kitty pozpig



(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36631845)



Reply Favorite

Date: August 17th, 2018 10:55 AM
Author: curious lodge police squad



(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36632248)



Reply Favorite

Date: August 17th, 2018 10:47 AM
Author: Vigorous hall ratface

Yet they also spend a bunch on public transportation. Odd case.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36632211)



Reply Favorite

Date: August 17th, 2018 11:52 PM
Author: Fantasy-prone native

LOL at spending $1400/mo on a 911S

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36636939)



Reply Favorite

Date: August 16th, 2018 4:18 PM
Author: galvanic brilliant rehab

Lol at making car payments on a Range Rover Velar

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628171)



Reply Favorite

Date: August 16th, 2018 4:19 PM
Author: cordovan doctorate tank

Her pantsuits from Gucci, Dolce, and Chanel easily cost between $2,000 – $3,500 each. On average, she buys one work suit once a year to keep her threads fresh, although sometimes she buys a couple during holiday sales.

With every power suit must come matching Manolo Blahniks or Jimmy Choos at the cost of between $800 – $1,000 a pair on average. Below is a regular black satin pump by Manolo for $995 before tax at Nieman Marcus.

After the pumps, Rachel must of course own a work-appropriate tote bag that can cost anywhere from $1,000 – $3,000. She prefers the understated Prada bags with their hard waterproof exterior. Below are some of her clothing examples.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628177)



Reply Favorite

Date: August 16th, 2018 4:21 PM
Author: Heady jet depressive roast beef

btw, this is exactly what you and i discuss regarding home prices and income.

these people could easily afford double the mortgage. it's all the other expenditures that add up to fuck them.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628189)



Reply Favorite

Date: August 16th, 2018 4:41 PM
Author: Glittery black woman

you'r not "affording" a home if you're taking out a (((mortgage)))

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628335)



Reply Favorite

Date: August 16th, 2018 5:42 PM
Author: motley digit ratio

Are the bags even double-stitched by hand?

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628724)



Reply Favorite

Date: August 17th, 2018 9:25 AM
Author: floppy box office indirect expression



(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36631850)



Reply Favorite

Date: August 16th, 2018 4:20 PM
Author: cordovan doctorate tank

Given Colin is a stay at home dad, he doesn’t need to spend anything on work clothes. However, he does own and appreciate an array of finely cut blazers to go along with his designer jeans and button down shirts for when they go out. Each custom blazer costs between $1,000 – $1,500 on average. Designer jeans run between $180 – $300, and shirts from the likes of Thomas Pink can range from $80 – $250. He only has one watch, a stainless steel Royal Oak Audemars Piguet he bought for $16,000 years ago.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628183)



Reply Favorite

Date: August 16th, 2018 4:40 PM
Author: Fear-inspiring Library Stock Car

That’s not so crazy.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628331)



Reply Favorite

Date: August 16th, 2018 5:52 PM
Author: cerise stag film idiot

That AP is probably 25-30 now?

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628764)



Reply Favorite

Date: August 17th, 2018 10:50 AM
Author: Fear-inspiring Library Stock Car

No idea, but having a nice old watch and wearing $300 jeans isn’t what I’d call extravagant. The blazers are on the high side, but I’ve spent more than that on suits.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36632223)



Reply Favorite

Date: August 17th, 2018 9:17 PM
Author: Adventurous big-titted dog poop

that's fair. I had two pair of $200 jeans in high school and both are holding up fine. It's just about buying quality imo

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36636230)



Reply Favorite

Date: August 16th, 2018 4:22 PM
Author: cordovan doctorate tank

Yet, Rachel tells me she doesn’t know if it’s worth working 65 hours a week for the next 15 years. Even the finest lobster at Le Bernardin or the most picturesque luxury villa off the Almalfi Coast gets old after a while.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628196)



Reply Favorite

Date: August 16th, 2018 4:22 PM
Author: charismatic transparent church building milk

No.

Their annual savings is $167,733.

$18,500 (401k) + $6,000 (HSA) + $60,000 (529) + $28,800 (mortgage principal) + $54,433 (more savings) = $167,733



(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628198)



Reply Favorite

Date: August 16th, 2018 4:24 PM
Author: cordovan doctorate tank

also 25k to charity

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628207)



Reply Favorite

Date: August 16th, 2018 4:25 PM
Author: greedy puppy university

that's still a retarded savings rate on $1MM/yr. They should have retired by now

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628218)



Reply Favorite

Date: August 16th, 2018 4:27 PM
Author: cordovan doctorate tank

its 40% of their after tax, while still spending buckwild

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628232)



Reply Favorite

Date: August 16th, 2018 4:27 PM
Author: charismatic transparent church building milk

Yes, they could easily save more.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628237)



Reply Favorite

Date: August 16th, 2018 4:25 PM
Author: flickering school

risten

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628219)



Reply Favorite

Date: August 16th, 2018 4:23 PM
Author: cordovan doctorate tank

Rachel sees a therapist every other week to help her manage the constant pressure she feels to provide for her family, outperform her peers, and outperform the markets. The market takes no prisoners and every month she starts with incredible anxiety. She’s only as good as her last month’s performance. This type of pressure has begun to pulverize what little peace and quiet she has left inside. She’s also recently begun to develop heart palpitations, which has her worried.

good thing he has $3M insurance

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628203)



Reply Favorite

Date: August 16th, 2018 4:24 PM
Author: cordovan doctorate tank

LOOOOOOOOOOOOOOOL

Colin also sees a therapist once a month to help him get through his feelings of unworthiness for being a stay at home father. Although he’s truly a great dad, he often feels gutted to have given up his management consulting job. None of his friends, who all work, understand what he’s going through. He feels isolated and often depressed. Sometimes he gets jealous of Rachel’s success, which leads to bitter fights.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628211)



Reply Favorite

Date: August 16th, 2018 4:25 PM
Author: Heady jet depressive roast beef



(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628216)



Reply Favorite

Date: August 16th, 2018 4:25 PM
Author: greedy puppy university

yes, this is definitely a happy marriage

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628223)



Reply Favorite

Date: August 16th, 2018 4:25 PM
Author: cordovan doctorate tank

Rachel envies Colin’s time at home. Most of her girlfriends are stay at home moms who take turns hosting playdates when their kids are off. When they’re in school, they often go to brunch at Blue Water Grill with bottomless mimosas over mounds of freshwater oysters. Colin envies Rachel’s freedom and the thrill of working in the real world with power.

this article is fantastic xobait

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628225)



Reply Favorite

Date: August 16th, 2018 4:26 PM
Author: Heady jet depressive roast beef



(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628230)



Reply Favorite

Date: August 16th, 2018 4:32 PM
Author: spectacular costumed church idea he suggested

I thought this was a flame until I checked the article.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628274)



Reply Favorite

Date: August 16th, 2018 4:32 PM
Author: charismatic transparent church building milk



(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628280)



Reply Favorite

Date: August 16th, 2018 5:44 PM
Author: Razzle Primrose Abode



(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628739)



Reply Favorite

Date: August 16th, 2018 8:47 PM
Author: Chestnut Lascivious Indian Lodge



(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36629765)



Reply Favorite

Date: August 17th, 2018 7:09 AM
Author: Orchid Useless Brakes



(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36631576)



Reply Favorite

Date: August 17th, 2018 12:40 PM
Author: Vigorous hall ratface



(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36632959)



Reply Favorite

Date: August 16th, 2018 4:33 PM
Author: Bespoke Comical Corner



(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628285)



Reply Favorite

Date: August 16th, 2018 4:34 PM
Author: milky resort masturbator

I would say that Colin is fucking Rachel's girlfriends at these playdates, but Colin happens to be Asian, so that's not possible.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628292)



Reply Favorite

Date: August 16th, 2018 5:25 PM
Author: insane useless theater foreskin



(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628626)



Reply Favorite

Date: August 17th, 2018 10:49 AM
Author: Vigorous hall ratface



(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36632218)



Reply Favorite

Date: August 17th, 2018 9:25 PM
Author: Adventurous big-titted dog poop

irl lol

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36636272)



Reply Favorite

Date: August 16th, 2018 4:30 PM
Author: flickering school

all of that basically makes sense, tbf

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628253)



Reply Favorite

Date: August 16th, 2018 4:31 PM
Author: charismatic transparent church building milk

What a pussy. I'd take that job.

Where do I find a seven-figure sugar mama?

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628272)



Reply Favorite

Date: August 17th, 2018 1:04 PM
Author: offensive misunderstood area

in a fucking heartbeat

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36633169)



Reply Favorite

Date: August 17th, 2018 7:01 AM
Author: histrionic hell



(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36631570)



Reply Favorite

Date: August 16th, 2018 4:28 PM
Author: cordovan doctorate tank

this is the funniest article ive read on xo in some time. thanks OP

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628246)



Reply Favorite

Date: August 16th, 2018 4:30 PM
Author: charismatic transparent church building milk

By the way, can we take a minute to note the irony of a portfolio manager with virtually no investment portfolio of her own.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628255)



Reply Favorite

Date: August 16th, 2018 4:32 PM
Author: hilarious lake dilemma national security agency



(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628281)



Reply Favorite

Date: August 18th, 2018 2:06 PM
Author: Trip Anal Orchestra Pit Cuckold

Portfolio manager knows best that it's a scam

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36639208)



Reply Favorite

Date: August 16th, 2018 4:32 PM
Author: hilarious lake dilemma national security agency

Jfc. Guillotines.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628277)



Reply Favorite

Date: August 16th, 2018 4:36 PM
Author: Mind-boggling Spot Selfie

Lol author must be writing xoxo bait with references to bottomless mimosas etc.

Also math doesn’t add up since 401k, 529 etc are all savings. And how come the effective fed rate is so high. Mortgage, property and charity interest deductions need to be included. Fed effective should be closer to 26-27%.

I would feel bad if they weren’t such idiots about spending. Working 65 hours/week til 60 is brutal. All they have to do is cut back on some excesses (clothes, food/entertainment, country club, cars) and that can easily be brought down to age 50.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628302)



Reply Favorite

Date: August 16th, 2018 4:37 PM
Author: charismatic transparent church building milk

By the way, where the fuck are they driving?

Both of their cars get gas mileage in the 20s. Let's call the average 25 mpg. Average premium gas is, what, $3.60 in NYC? That's more than 22,000 miles per year.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628311)



Reply Favorite

Date: August 16th, 2018 4:41 PM
Author: Aromatic Regret Shrine

The Chens drive their Velar to the Hamptons many weekends during the summer where they rent a vacation house with friends. Colin drives his Porsche to the country club to play golf a couple times a week while the kids are in school. It’s his way of staying in shape and socializing given most of his peers still work full-time jobs.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628336)



Reply Favorite

Date: August 16th, 2018 4:37 PM
Author: spectacular costumed church idea he suggested

I made well over a million last year and I'm about to break 2 million for this year (and it is only August). My wife and I did a spreadsheet a couple months back that tracked our average spending over 6 months. We did this because we were curious how much our kid raised our expenses. We also have our own money that we use for things like clothes and hobbies, but we don't really spend much if any in those categories. Here it is:

6 Mo Avg

Misc $124.13

Auto Ins $200.00

Baby Supplies $552.56

Beauty $11.25

Business $107.02

Cable/Internet $200.00

Car Leases $992.96

Cell Phone $140.00

Daycare $1,975.00

DMV $5.83

Dog Ins $150.00

Dog Supplies $153.55

Dry Cleaning $18.25

Eating Out $726.17

Entertainment $207.62

Gardening $140.00

Gas $184.80

Gifts $216.72

Health $402.57

HOA $122.95

Home Repair/Maintenance $77.50

Home Insurance $250.00

Home Warranty $55.00

Earthquake Insurance $150.00

Life Ins $53.33

Babysitter $200.00

Market $915.60

Movies $83.66

Pest Control $11.67

Pool $90.00

Property Tax $1,225.00

Son's 529 Contribution $500.00

Utilities $720.26

Umbrella Policy $40.00

Disney AP $93.08

Universal AP $29.83

Total $11,126.29



(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628316)



Reply Favorite

Date: August 16th, 2018 4:40 PM
Author: Glittery black woman

Does your Eating Out figure include future cancer treatment?

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628330)



Reply Favorite

Date: August 16th, 2018 4:41 PM
Author: Heady jet depressive roast beef

LOL

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628334)



Reply Favorite

Date: August 16th, 2018 4:41 PM
Author: spectacular costumed church idea he suggested

My wife pays me well for my service.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628338)



Reply Favorite

Date: August 16th, 2018 10:49 PM
Author: Vibrant Bearded Property Hissy Fit



(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36630515)



Reply Favorite

Date: August 16th, 2018 4:37 PM
Author: Bossy business firm

These people should be put down

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628319)



Reply Favorite

Date: August 16th, 2018 8:40 PM
Author: Scarlet weed whacker menage

These people are not real

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36629699)



Reply Favorite

Date: August 16th, 2018 4:39 PM
Author: deep unhinged athletic conference filthpig

Wow, some people are really dumb.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628329)



Reply Favorite

Date: August 16th, 2018 5:07 PM
Author: Bisexual senate

Next recession will be 180

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628509)



Reply Favorite

Date: August 16th, 2018 5:25 PM
Author: insane useless theater foreskin



(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36628628)



Reply Favorite

Date: August 16th, 2018 8:24 PM
Author: Multi-colored Base

How big is Colin's cock?

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36629605)



Reply Favorite

Date: August 16th, 2018 9:03 PM
Author: federal location

Misspelled "boiclit"

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36629870)



Reply Favorite

Date: August 16th, 2018 9:10 PM
Author: Balding exciting chapel genital piercing

fatal flaw: only $225 in car insurance for both a porsche and a land rover

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36629904)



Reply Favorite

Date: August 16th, 2018 9:44 PM
Author: charismatic transparent church building milk

My insurance on just a 911 was $550 per 6 months ($91.67/month) several years ago.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36630158)



Reply Favorite

Date: August 17th, 2018 5:21 AM
Author: titillating at-the-ready tanning salon

NYC Insurance is cheap. And that’s per month.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36631492)



Reply Favorite

Date: August 18th, 2018 1:17 PM
Author: Balding exciting chapel genital piercing

That’s bullshit If true. I pay like 175 a month for my economical Japanese car and I’ve had no tickets and no accidents. It went up like 40 dollars in last year alone

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36638899)



Reply Favorite

Date: August 16th, 2018 9:22 PM
Author: concupiscible brunch

I know two NYC couples with similar incomes (1 spouse as a biglaw partner gets you there). This could literally be modeled on them. Way more common than the reverse.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36629991)



Reply Favorite

Date: August 16th, 2018 9:45 PM
Author: charismatic transparent church building milk

I have a hard time understanding high earners who don't save a lot. Having to be a wagecuck SUCKS.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36630161)



Reply Favorite

Date: August 17th, 2018 6:37 AM
Author: onyx razzle-dazzle pocket flask

y'all realize this is fiction right

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36631533)



Reply Favorite

Date: August 17th, 2018 6:42 AM
Author: onyx razzle-dazzle pocket flask

Although I do appreciate the author's downright nutellaesque solution:

"If I was Rachel, I’d either ask for a three-month sabbatical or dial back work to 40 hours a week for less compensation. Making $500,000 a year with less stress, fewer hours, and a lower effective tax rate sounds so much more reasonable."

Just do $500K 9-5 WFH Fridays.

If I was Rachel, I’d either ask for a three-month sabbatical or dial back work to 40 hours a week for less compensation. Making $500,000 a year with less stress, fewer hours, and a lower effective tax rate sounds so much more reasonable.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36631538)



Reply Favorite

Date: August 17th, 2018 10:47 AM
Author: marvelous kitchen

*asks hedge fund manager for a three month sabbatical*

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36632200)



Reply Favorite

Date: August 17th, 2018 10:53 AM
Author: Vigorous hall ratface

Which, works better if your husband isn't a leech. $500k + $250k means they make only $250k less than they did before. Move to a nice suburb and you get that back in the form of taxes, no private schools and lower housing costs.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36632236)



Reply Favorite

Date: August 17th, 2018 10:58 AM
Author: onyx razzle-dazzle pocket flask

again, this is fiction. this camurai guy has written several of these clickbait articles and xo snaps them up like potato chips

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36632264)



Reply Favorite

Date: August 17th, 2018 12:50 PM
Author: Vigorous hall ratface

Oh I agree. Whenever you see "salary of $1,000,000, which they budget by" - it is a dead giveaway because the number is too round. Few people make exactly that or even consistently around that. A lot of comp for those sorts of numbers vary year to year.

Still kind of fun to discuss.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36633050)



Reply Favorite

Date: August 17th, 2018 12:47 PM
Author: Mind-boggling Spot Selfie

Lol I would never offer such unrealistic advice. It’s like a big law partner asking to cut back hours or for a sabbatical.

My advice would be to:

1) stop spending like rap stars

2) quit and get a lifestyle job (she can be head of IR or something else cushier in the industry)

3) and if that doesn’t work, go all in and get a PM job that pays at least $1.5-2m for 65 hours/week. $1m is low pay as a PM in your mid-40s.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36633017)



Reply Favorite

Date: August 18th, 2018 12:46 PM
Author: Scarlet weed whacker menage

*slaps your round gook face with an average sized white cock*

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36638684)



Reply Favorite

Date: August 17th, 2018 8:50 AM
Author: nubile skinny woman

Hilariously, these not unrealistic characters count oppulent and extravagant consumption as mandatory spending for basic essentials.

If this couple were willing to live like a household making $200k, they could retire in a few years.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36631757)



Reply Favorite

Date: August 17th, 2018 9:47 AM
Author: histrionic hell

This.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36631919)



Reply Favorite

Date: August 17th, 2018 10:52 AM
Author: Multi-colored Base

lol at giving $25k a year to fraud "charities"

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36632231)



Reply Favorite

Date: August 17th, 2018 10:53 AM
Author: Vigorous hall ratface

Maybe they are animal rescues in which case I applaud them. Otherwise, ljl at them.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36632240)



Reply Favorite

Date: August 17th, 2018 9:05 PM
Author: Scarlet weed whacker menage

You should be gassed

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36636189)



Reply Favorite

Date: August 18th, 2018 1:21 PM
Author: Vigorous hall ratface

no u. But why in this case?

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36638931)



Reply Favorite

Date: August 17th, 2018 2:54 PM
Author: charismatic transparent church building milk

Maybe its a sneaky non-profit they operate.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36633845)



Reply Favorite

Date: August 17th, 2018 10:53 PM
Author: Thriller wrinkle personal credit line

It doesn't seem like they're deducting it, which is weird.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36636618)



Reply Favorite

Date: August 17th, 2018 9:19 PM
Author: Maroon national

WGWAG - does the author post here?

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36636237)



Reply Favorite

Date: August 17th, 2018 9:26 PM
Author: Adventurous big-titted dog poop

So this is 100% confirmed Nutella, right?

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36636275)



Reply Favorite

Date: August 18th, 2018 1:18 PM
Author: Scarlet weed whacker menage

LMAO, probably. But she barely makes half that.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36638907)



Reply Favorite

Date: August 18th, 2018 1:49 PM
Author: Adventurous big-titted dog poop

Devastating. So you're saying she inflates HHI for random strangers on TWO DIFFERENT internet shitsites? for shame

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36639115)



Reply Favorite

Date: August 18th, 2018 1:29 PM
Author: Mind-boggling Spot Selfie

Lol we save $300k/year on $800k HHI working 40 hours/week. We don’t need therapists to get through life.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36638991)



Reply Favorite

Date: August 18th, 2018 1:30 PM
Author: Vigorous hall ratface

Are you planning on paying for private schools?

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36639004)



Reply Favorite

Date: August 18th, 2018 1:47 PM
Author: Mind-boggling Spot Selfie

The public elementary school is excellent but then it’s garbage gang infested schools. The plan is to move to a better school district for middle and high school or during the next major housing downturn. RE is a better investment than private school. We don’t plan on selling our current home and will keep it as a rental property.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36639101)



Reply Favorite

Date: August 18th, 2018 1:48 PM
Author: Vigorous hall ratface

Seems reasonable.

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36639107)



Reply Favorite

Date: August 18th, 2018 1:48 PM
Author: Silver Hairraiser Pit Laser Beams

Hilarious clickbait but still makes me feel good

(http://www.autoadmit.com/thread.php?thread_id=4053453&forum_id=2#36639108)