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Forum » More General Categories » Education/Career/Finance » I make ~$80/hr and its not enough.
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Thread: I make ~$80/hr and its not enough.

post 1674385113 01-08-2023, 03:26 PM
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I make ~$80/hr and its not enough.

I don't even see how people are making it. I'm in the top 5% but I can only afford an average/below average house if I buy responsibly. how does that even make any sense?

I want more money and I want more out of life.
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post 1674391523 01-08-2023, 05:09 PM
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you're full of chit. that's over 166k a year gross. get fukt
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post 1674393293 01-08-2023, 05:35 PM
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Originally Posted By HairyWBush⏩
you're full of chit. that's over 166k a year gross. get fukt
166k gros, is 100k net maybe.
does 100k take you far in Florida? I heard it's like LA Now. 166k gross is not bad but it's hardly balling when houses are 800k+
post 1674403223 01-08-2023, 08:11 PM
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Originally Posted By drFEEL⏩
I don't even see how people are making it. I'm in the top 5% but I can only afford an average/below average house if I buy responsibly. how does that even make any sense?

I want more money and I want more out of life.
Lolz I am feeling the same way and I am kinda fukkin annoyed about it. Everything costs a lot more than it ever used to. Hair cuts are now $25 da fuk? And these places all expect a tip now too!
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post 1674404913 01-08-2023, 08:48 PM
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Originally Posted By HairyWBush⏩
you're full of chit. that's over 166k a year gross. get fukt
do the math yourself. use one of those calculators with that wage. the median house right now is like $400k bra.
Originally Posted By CanardMedic⏩
166k gros, is 100k net maybe.
does 100k take you far in Florida? I heard it's like LA Now. 166k gross is not bad but it's hardly balling when houses are 800k+
this
Originally Posted By RobParks2M⏩
Lolz I am feeling the same way and I am kinda fukkin annoyed about it. Everything costs a lot more than it ever used to. Hair cuts are now $25 da fuk? And these places all expect a tip now too!
are we gunna fuken make it bra? i dunno.
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post 1674405113 01-08-2023, 08:52 PM
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Have you asked for a raise? If they won't give you more money ask them if they'll pay you more often.
post 1674405183 01-08-2023, 08:53 PM
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Make that long term, keep down costs and bad debt along the way, and you’ll end up with a lot
post 1674405383 01-08-2023, 08:56 PM
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Originally Posted By drFEEL⏩
do the math yourself. use one of those calculators with that wage. the median house right now is like $400k bra.

this
are we gunna fuken make it bra? i dunno.
Barely. The crazy part is I don't even have that many recurring monthly payments. A vehicle and a house. I'm wondering if I'll see a fairly big tax return. I did max my HSA and nearly maxed 401k.
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post 1674430923 01-09-2023, 06:50 AM
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The housing situation on the west coast is loony, good luck with that. You are being taxed at a loony rate, good luck with that. You are being managed by loons who will surely fuk it up even worst in the near future, good luck with that. Have you considered moving to a state not run by literal marxist?

At that income you'd save thousands and thousands by bypassing a state income tax.
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post 1674431323 01-09-2023, 06:57 AM
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Originally Posted By naich⏩
The housing situation on the west coast is loony, good luck with that. You are being taxed at a loony rate, good luck with that. You are being managed by loons who will surely fuk it up even worst in the near future, good luck with that. Have you considered moving to a state not run by literal marxist?

At that income you'd save thousands and thousands by bypassing a state income tax.
There are some major perks to living in "flyover states".
post 1674431613 01-09-2023, 07:05 AM
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I am only making $25/hr. Should I rope?
post 1675619243 01-23-2023, 01:16 AM
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Are you capable of starting your own business doing what you do now?
post 1675768103 01-24-2023, 09:56 PM
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sorry guy but you are 20K short of being in the top 5% of wage earners.
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post 1676550053 02-04-2023, 04:21 PM
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80hr is more than enough. You just lack financial discipline. It's not that complicated.
post 1677396093 02-17-2023, 02:48 AM
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Blame the democrats. It’s Monopoly money.
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post 1677402463 02-17-2023, 05:25 AM
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Originally Posted By drFEEL⏩
I don't even see how people are making it. I'm in the top 5% but I can only afford an average/below average house if I buy responsibly. how does that even make any sense?

I want more money and I want more out of life.
similar situation here. it's definitely enough but i don't feel like im in the top 5% of earners.
My ALT is elevated. 75.
post 1677402903 02-17-2023, 05:36 AM
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Originally Posted By dyee4613⏩
80hr is more than enough. You just lack financial discipline. It's not that complicated.
Based on knowing zero about op other than that he’s a miscer........I’m going to assume it’s this.

In b4 he goes clubbing 3x per week, eats out/gets takeout 5x per week, has a bunch of credit card debt from buying crap at the mall/Amazon, and has a way nicer care than he should.
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post 1677766083 02-23-2023, 12:07 AM
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If you have a spending problem it really doesn't matter how much you make, you'll still end up broke. So many wealthy people end up in bankrupcy. Some get a taste for the finer things in life and all bets are off. For them the idea of even 1st class in a commercial aircraft sounds like a Greyhound bus and so they start chartering flights, then they start rubbing elbows with those who own Leer Jets. Budwiser Bob feels like a king pulling his boat with his King Ranch F250 but Country Club Carl feels that any boat that can be towed by a vehicle to be a dingy and he has a yacht that is a borderline cruise ship. So you feel like a King in your 5-10K sq'ft hosue and someone says "what are your other houses like, oh you only have one". PEASANT.
post 1677771213 02-23-2023, 03:34 AM
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Originally Posted By Jasonw1178⏩
If you have a spending problem it really doesn't matter how much you make, you'll still end up broke. So many wealthy people end up in bankrupcy. Some get a taste for the finer things in life and all bets are off. For them the idea of even 1st class in a commercial aircraft sounds like a Greyhound bus and so they start chartering flights, then they start rubbing elbows with those who own Leer Jets. Budwiser Bob feels like a king pulling his boat with his King Ranch F250 but Country Club Carl feels that any boat that can be towed by a vehicle to be a dingy and he has a yacht that is a borderline cruise ship. So you feel like a King in your 5-10K sq'ft hosue and someone says "what are your other houses like, oh you only have one". PEASANT.
This. Constantly in the rat race looking for your next piece of cheese. OP is looking for fulfilment by spending more. Its never going to work out. Take stock of what matters and what you really want and get it.
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post 1677772493 02-23-2023, 04:40 AM
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Originally Posted By drFEEL⏩
I don't even see how people are making it. I'm in the top 5% but I can only afford an average/below average house if I buy responsibly. how does that even make any sense?
Because the "average" American buys far more than they can afford, which distorts everything.
post 1677772623 02-23-2023, 04:49 AM
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OP is in debt, no question.
post 1677773333 02-23-2023, 05:19 AM
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Warren Buffet has quote: "You don't know whose swimming naked until the tide goes out"

Most consumers are in over their heads and using credit cards and loans for outward appearance of wealth. All of that unwinds when rates increase and we are already seeing that now.
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post 1678276973 03-03-2023, 01:23 PM
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There are actually really easy ways to make money on the side these days. Like lots of extra money... Check this list out. I started doing all three

https://newdinnerideas.com/2023/02/2...nline-in-2023/
post 1678298173 03-03-2023, 08:06 PM
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Because problem is by time you've maxed 401k, HSA, pay for childcare, set aside an emergency savings, keep up with any deferred maintenance on your home or vehicle and pay uncle sam, you have nothing left. Thanks to inflation 200k is the new 100k.
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post 1678298863 03-03-2023, 08:26 PM
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Originally Posted By TugOfPeace⏩
lulz

It's called money management and/or combining finances with a partner and living within one's means, very few people do that these days. It's all about the YOLO lifestyle
Sure if you live in bumfuk nowhere. Goodluck having a clear financial plan making less than $60k with children. Aint happening, and youre cutting something somewhere.
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post 1678298893 03-03-2023, 08:27 PM
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Originally Posted By Fatkidwholifts⏩
Based on knowing zero about op other than that he’s a miscer........I’m going to assume it’s this.

In b4 he goes clubbing 3x per week, eats out/gets takeout 5x per week, has a bunch of credit card debt from buying crap at the mall/Amazon, and has a way nicer care than he should.
Wtf stalker!!!
post 1678313483 03-04-2023, 06:51 AM
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Originally Posted By backinbusiness⏩
Because problem is by time you've maxed 401k, HSA, pay for childcare, set aside an emergency savings, keep up with any deferred maintenance on your home or vehicle and pay uncle sam, you have nothing left. Thanks to inflation 200k is the new 100k.
It's taken 28 years for inflation to cut the dollar's value in half. If someone hasn't gotten a raise in 28 years, they're doing something really wrong...

https://www.bls.gov/data/inflation_calculator.htm
post 1678323373 03-04-2023, 10:19 AM
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$200k consistently is a fukton of money in my world. I live in a city of 1million+, and the only people I know who make $100k+ consistently are immediate coworkers.

That said, it is very possible and even easy to overspend on $200k if you have the antithesis of discipline. Make good money, live like you’re making half of the actual, limit bad debt, build up an asset base, and you can start relaxing moreso 5-10 years down the road.

The big gains in the real world come when you get that asset base on the side of your regular income and it gives you flexibility to be opportunistic, benefit from asset inflation, and make more money — it can very much have a snowball effect. The prudent people I know who make $80+/hr, they have rental properties and investments and all sorts of stuff accumulated over the years.
post 1678334193 03-04-2023, 01:50 PM
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Buy a 4plex with an FHA loan, live in 1 unit and rent out the other 3. Your tenants will pay all or most of your mortgage, so with the money you save from that, put that all towards maxing out a Roth IRA that's invested in index funds / stocks. After about a year you could probably buy another property and rent out the unit you were living in. Rinse and repeat.
post 1678335203 03-04-2023, 02:07 PM
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Originally Posted By drFEEL⏩
I don't even see how people are making it. I'm in the top 5% but I can only afford an average/below average house if I buy responsibly. how does that even make any sense?

I want more money and I want more out of life.
I feel you bro.

Part of the problem is you're trying to buy responsibly. These retards around us have totally f*cked the housing market by paying 55% of their gross toward their mortgage. I sh*t you not, that's what's happening. People are simply buying above their means irrationally and it's making it impossible for those of us trying to spend responsibly to get the value we otherwise should be able to get.

All of these people shoving so much of their income into their 30 year mortgage are going to end up with $0 savings and have to work until they die. Right now it's all fun and games cause they got themselves a nice house but these f*cking retards will absolutely get what's coming to them one way or another dead ass srs.

It's stuff like this why I 100% hate people. The stupidity is simply off the charts and now I'm being impacted by their stupidity. F*ck them.
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