Is $300k supposed to be good now?
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Poast new message in this thread
Date: January 16th, 2019 10:25 AM Author: Supple mexican home
I make $400-$500k, albeit in nyc, and still feel poor.
how do people save for retirement nowadays?
(http://www.autoadmit.com/thread.php?thread_id=4178967&forum_id=2#37601716) |
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Date: January 17th, 2019 2:17 AM Author: splenetic nubile corner
explain how you make that amount and still feel poor and can't save for retirement.
you are either living very extravagantly (even in NY)
or
you are saving for retirement
there is no way you're not doing either.
(http://www.autoadmit.com/thread.php?thread_id=4178967&forum_id=2#37606553) |
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Date: January 16th, 2019 11:11 AM Author: Supple mexican home
uhhh it's about $300k after taxes.
i max out on gov't programs, thank.
spend about $100k throughout the year, spend $50k on rent, spend $50k mortgage for my other home. save $100k.
(http://www.autoadmit.com/thread.php?thread_id=4178967&forum_id=2#37601950) |
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Date: January 16th, 2019 11:48 AM Author: Supple mexican home
not trolling.
nutella makes more than me and she can relate.
if anyone can call troll it's going to be people who make more than me and feel "rich" like you say.
but surprisingly, no one at this level feels well off, why?
(http://www.autoadmit.com/thread.php?thread_id=4178967&forum_id=2#37602180) |
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Date: January 16th, 2019 3:39 PM Author: Supple mexican home
think about the 1970s where $300,000 was like $3mm today.
it's not hard to imagine that your $4.4 million is worth only $400k in REAL DOLLARS by the time you retire.
that is fine if ur living stingy for 10 years but god forbid u live to 80+ years old.
(http://www.autoadmit.com/thread.php?thread_id=4178967&forum_id=2#37603669) |
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Date: January 16th, 2019 11:13 AM Author: Supple mexican home
yes exactly.
i'm literally doing what u are saying, spending average $4k a month on random shit. it's always something. one month i do really well and then next month my laptop breaks and i spend $2k on a new one.
next month i get an iphone upgrade. then it's 2 people's birthdays so I spend $200 on food and drinks and going out. then every year there's a $10k vacation or bottles for NYE. always something going on.
(http://www.autoadmit.com/thread.php?thread_id=4178967&forum_id=2#37601958) |
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Date: January 16th, 2019 11:47 AM Author: Supple mexican home
xmas + nye
plane tickets $2k
hotel and food and other for quick vacation $1k
gifts for family and friends total $2k
bottles at clubs $2k
misc. other $1k
fine it's like $8k but w/e. this isn't much, a family of 4 going to disneyland for 1 week costs $8k too.
(http://www.autoadmit.com/thread.php?thread_id=4178967&forum_id=2#37602174) |
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Date: January 16th, 2019 8:35 PM Author: doobsian stimulating fanboi library
Your situation is unique in that you can live in a cheaper area with good schools. I can’t live in commuting distance of work if I moved to the valley for the schools, and my LAUSD options for public school are areas with $3m houses.
I think what OP is addressing though is not that he can’t live comfortably off $300k but that he’s not saving meaningfully such that he can retire early. I don’t think you can dispute that. You live off your wife’s salary which ends up being $6-7k/mo post tax without a mortgage. We are roughly at around $10k/mo after mortgage so we are around the same spending. OP isn’t really deviating greatly from that when spending $4k/mo not married. I don’t think he’s being a spendthrift.
The difference though is that you can retire early because you make so much more money. Last year we saved $300k/year but even then it’ll take 15-20 years of working to get to where we want to be. If OP is saving $100k/year, it’ll take even longer. He can cut back here and there and save $125k/year instead but that doesn’t shave meaningful years off working.
(http://www.autoadmit.com/thread.php?thread_id=4178967&forum_id=2#37605068) |
Date: January 16th, 2019 11:21 AM Author: Mind-boggling feces internal respiration
you dont retire early
either find a gov job with pension or keep working ungil 65
(http://www.autoadmit.com/thread.php?thread_id=4178967&forum_id=2#37601995) |
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Date: January 16th, 2019 12:13 PM Author: Supple mexican home
totally different city that's also expensive
last year i rented it out, this year i'm not.
it's nice to have a luxurious spot to crash in when i visit or take my girlfriend to spend a weekend there together.
either way, i can't get out of it unless i start ignoring my mortgage payments.
(http://www.autoadmit.com/thread.php?thread_id=4178967&forum_id=2#37602326) |
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Date: January 16th, 2019 12:17 PM Author: submissive fishy site
"it's nice to have a luxurious spot to crash in when i visit or take my girlfriend to spend a weekend there together."
This seems ridiculous to me and is primarily responsible for your financial situation.
"either way, i can't get out of it unless i start ignoring my mortgage payments."
Rent or airbnb it out. Problem solved.
(http://www.autoadmit.com/thread.php?thread_id=4178967&forum_id=2#37602352) |
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Date: January 16th, 2019 3:16 PM Author: cerebral infuriating indirect expression
it's not so much that it's free money but he said he was cash poor (and on at least one significant asset that had increased substantially in value)
if u're able to extract cash from ur non-cash assets without significant transx costs and while avoiding tax consequences (as exeunt pointed out) it's worth considering
i'm certainly cash poor in that 99+% of my net worth is tied up in equities, RE, insurance, etc. but i wouldn't feel "cash poor" bc i have access to margin loans, HELOCs, policy loans, etc.
(http://www.autoadmit.com/thread.php?thread_id=4178967&forum_id=2#37603519)
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Date: January 16th, 2019 12:13 PM Author: umber hall yarmulke
If you are going to prioritize last minute NYE trips with models and bottles and dropping $1-2K per month on a GF, then expect to feel "cash poor" until your income drastically increases. But given the type of person you are, I'm sure your spending will still outpace whatever you earn.
Welcome to modern day consumerism bro.
(http://www.autoadmit.com/thread.php?thread_id=4178967&forum_id=2#37602328)
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