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Forum » If you don't make at least $100k a year, how do you survive?
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Thread: If you don't make at least $100k a year, how do you survive?

post 1635099593 03-31-2021, 02:08 PM
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Originally Posted By meanstringbean⏩
lol in my 20s I on average made 65k a year. Despite this:


Went abroad every year for vacation

Bought rental investment property

Lived downtown in good cities in walking distance to night life

Ate basically whatever. A lot of salmon and steak

Saved 15-20% of salary consistently in 401k

When single and smashing sloots probably went on 70-100 dates a year srs

Never once really stressed about something I can afford





Clearly you are an idiot with money.
65k is broke status fam, my junior analyst 1 year out of school makes more than that
post 1635099713 03-31-2021, 02:10 PM
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Originally Posted By blueberryboy⏩
Wrong

200k would prob put you in atleast the top 5% of American workers
I wouldn't even bother getting up in the morning for anything under 200k
post 1635099773 03-31-2021, 02:11 PM
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Originally Posted By Titansfan08⏩
Depends where you live but my job I see a lot of paystubs and think how the f do people do it.
Then you go take a piss, see your penis stub and ask yourself the same question 😆😆😆😆
The billionaire and the beggar both have 24 hours in a day.

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At least it will thunderstorm tonight, and we know how they feel about water. :)
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post 1635099803 03-31-2021, 02:12 PM
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Originally Posted By Nicklol⏩
what are you spending your money on?

you can probably cut your rent in half like 60% and other bills but you probably just waste your money

im 100% sure
First of all, I’m team mortgage, not a rentcel.

Second, I save a measly $50k a year. This is still broke status fam
post 1635099813 03-31-2021, 02:12 PM
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Originally Posted By iradumass⏩
65k is broke status fam, my junior analyst 1 year out of school makes more than that
Yea again if you’re a ****ing retard with money


Sucks to be dumb boyo
post 1635099953 03-31-2021, 02:14 PM
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Originally Posted By meanstringbean⏩
Yea again if you’re a ****ing retard with money


Sucks to be dumb boyo
Sucks to live in poverty brother
post 1635099993 03-31-2021, 02:15 PM
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Make around 110k. Still renting, buy whatever I want (but that's mostly just good food) whenever I want. Between retirement investments, brokerage investments, and bank, have around 475k saved up. It's not that hard, unless you have lots of student loans or kids.

Rent was $1500 for 5 years, but just moved to a nicer place that's $2000 so I don't live in a cheap city either.
post 1635100093 03-31-2021, 02:17 PM
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Originally Posted By ThaifooN90⏩
Make around 110k. Still renting, buy whatever I want (but that's mostly just good food) whenever I want. Between retirement investments, brokerage investments, and bank, have around 475k saved up. It's not that hard, unless you have lots of student loans or kids.

Rent was $1500 for 5 years, but just moved to a nicer place that's $2000 so I don't live in a cheap city either.
I have about the same stats, although half in RE equity. Respect brother
post 1635101203 03-31-2021, 02:38 PM
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In my area, you can make sub-$100k and still save $2000-3000/month.

If that isn't surviving, how does one survive?
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post 1635101373 03-31-2021, 02:40 PM
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I earned $350k last year and literally could not afford to eat some days.
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post 1635102503 03-31-2021, 02:58 PM
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feels like 100k barely enough to get by.
cant afford anything i want.
frontin like some miscers with loans on this and that aint work for me.
mirin 200k and above earners <--- true new 100k level.
post 1635106983 03-31-2021, 03:46 PM
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Originally Posted By donblaximus⏩
Of course you can survive, you just dont really "get ahead" or pave a path towards not working any time soon.



Its livable yes.....you just aren't balling out of control like a lot of people think when you start to making into the six figures.
Well I'm certainly not living a "Baller" life style, and you won't on 100k either (unless single), so I definitely agree with thebold. But my life style is far from "barely getting by". I own the chit I want to own, and need/want for nothing. I never have to be the guy who says/feels "too expensive.. can't afford that" in day to day life, or when friends/family want to do chit that costs money.
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post 1635107873 03-31-2021, 03:56 PM
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Every time I got a salary increase, then everyone else gets higher than me.

When I got raised to $60k everyone made $100k. Now that I'm at $120k everyone is at $200k.

I bet when I get to $200k I'm sure everyone will be at $400k.
post 1635108413 03-31-2021, 04:02 PM
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Find yourself a rich chick. My girlfriend is buying a $500k yaht with cash at the boat show in may. Srs
post 1635108823 03-31-2021, 04:07 PM
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Originally Posted By TBO1313⏩
I live in the most poverty state in the US and was appalled by how low salaries are in the UK. 100k isn't hard to make in high cost of living areas in the US. Also miscers lie like a mother fukr about how much they make. I know for a fact there are some legit ballers here but most are just lying
Originally Posted By lurker654⏩
How the fuk are you US brahs making such fat salaries??

In London, one of the most expensive cities worldwide, £100k (that's like $135k) is enough to income mogg 90% of people. Is inflation just crazy over there or something?
UK and USA quality of life is not different, barring superficial stuff.


London average salary is almost 39 000 GBP, almost 54 000 USD.

In NYC (real USA example compared to London) is 67 000 USD.

Account additionally for the fact that every service costs more in the USA (but some things cheaper) plus what you need to spend extra that you pay for via tax in the UK. The difference in the holiday as well etc needs to be taken into consideration.



And you will see overall a very similar picture.


All of my statements are from the Office of National Statistics (UK) and the Bureau of Labour Statistics (USA). To be fair that proves TBO1313's point that a lot of miscers simply fraud.
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post 1635109123 03-31-2021, 04:13 PM
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Let App= “Sup ****s I have an OF and code. You made I make money 24/7 even when I’m not working because of my ****s I own?”
post 1635109653 03-31-2021, 04:19 PM
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thats why you get into software sales. BRB some monthly commission checks bigger than some peoples yearly salary
post 1635110103 03-31-2021, 04:24 PM
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45k tradie here

bout 1200/chq after tax/deductions so bout 2400 a month

rent 850 (1 bedroom apt)
electricity 70ish (electric heating)
tv/internet/phone 250
food 300
car (paid off) insurance 130
gas 60

thats all the basics so bout 1660. leftover is all play money so bout 740/mth. so bout 185 a week for beer/smokes/VLTs - plenty fine
post 1635110473 03-31-2021, 04:28 PM
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Originally Posted By McFlavour⏩
thats why you get into software sales. BRB some monthly commission checks bigger than some peoples yearly salary
This is what my girlfriend does. She gets a vice president salary plus commission on multi million dollar sales, and it's TRIPLE pay after 150% of annual goal . She usually has no problem hitting 200% with her team. She sells software to large corporations.
post 1635110833 03-31-2021, 04:32 PM
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I’ll make the Apps and you sell them good deal
Originally Posted By McFlavour⏩
thats why you get into software sales. BRB some monthly commission checks bigger than some peoples yearly salary
post 1635111023 03-31-2021, 04:35 PM
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Originally Posted By bsrkoacar2⏩
This is what my girlfriend does. She gets a vice president salary plus commission on multi million dollar sales, and it's TRIPLE pay after 150% of annual goal . She usually has no problem hitting 200% with her team. She sells software to large corporations.
jesus


1. how much does being a female give her benefits? no hate but a legitimate question

2. can someone from a BSc in Computer Science who has experience as an actual software developer get into it a bit more easily?

3. What skills do you need?
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post 1635111213 03-31-2021, 04:37 PM
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Originally Posted By Tanerian⏩
Me and my wife combined don't even make 100k, and we have a kid.

Legit don't feel like I want for anything.

2 story 4 bedroom house. 2 newer cars and a motorcycle.

We go on vacations, eat steak regularly, go out to eat once or twice a week. We have almost no debt including what I still owe on my car.

I got a $5k custom built computer with 3 monitors.
2 60 inch flat tvs less than 4 yrs old.
1200$ cell phones.

We still save money too.

I don't know how the **** people can make 100k a year and barely get by unless they live in one of those crazy areas where a 1 bedroom chithole costs like 2500$


My theory is most are just chit with money, stuck in that stupid keeping up with the Jones's lifestyle Spending waaaaaay to much money on chit for the sake of status, like jewlery(read: Watches), new phone every edition, expensive clothing and shoes that get worn like 3 times a year. $60k + car used to drive to work or the gym.

So yeah, if 100k isn't enough to survive you're either terrible with money, a vain status junkie, or live in a cucked area where housing costs are fuking you over.
Because people suck with their money and live AT their means no matter how much they make. “CoOl I make 100k now I can have a $1200 car payment!”
post 1635111843 03-31-2021, 04:45 PM
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Originally Posted By Judgment⏩
Because people suck with their money and live AT their means no matter how much they make. “CoOl I make 100k now I can have a $1200 car payment!”
Home improvement projects are the new car payment for making the middle class broke


BRB own less than 10% of an asset, taking out debt to improve it at a rate less than the debt taken out for it


BRB get bored and redo it again in 3 years
post 1635123363 03-31-2021, 07:33 PM
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Originally Posted By atgbrahsrs⏩
jesus


1. how much does being a female give her benefits? no hate but a legitimate question

2. can someone from a BSc in Computer Science who has experience as an actual software developer get into it a bit more easily?

3. What skills do you need?
Don't think any benefits honestly, she's really respected as an executive. Her last job she was head of global sales but she didn't like being away 3 weeks of every month on business deals. Then she ran the americas and now she runs half the US. She has 0 tech experience but is really good at building sales teams. She has a lot of connections and moves to where the money is, corporation to corporation.
post 1635123993 03-31-2021, 07:40 PM
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I used to be a wagecel like all the cubiclecels and every week I would have to break my check up into catagories for bills/food/gas etc and after all was said and done I'd have like 100 bucks each check maybe to out into savings. Its was a sad life.

Now I casually spend wagies bi weekly checks on turbo parts.

Lol @ dum tradies ded fkn srs.




No srs
Thanks for your input, you frauding fat slampig-Sirfapsalot '20

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post 1635124213 03-31-2021, 07:44 PM
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Originally Posted By bsrkoacar2⏩
Find yourself a rich chick. My girlfriend is buying a $500k yaht with cash at the boat show in may. Srs
Can't make cash transactions that large but ok
Thanks for your input, you frauding fat slampig-Sirfapsalot '20

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post 1635125013 03-31-2021, 07:55 PM
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Originally Posted By TBO1313⏩
I live in the most poverty state in the US and was appalled by how low salaries are in the UK. 100k isn't hard to make in high cost of living areas in the US. Also miscers lie like a mother fukr about how much they make. I know for a fact there are some legit ballers here but most are just lying
Probably works out because in the UK people spend less on health care and education/student debt. I've heard that they also have lower food prices, lower cell phone charges, and cheaper flights.
Originally Posted By donblaximus⏩
On the flip side, no mention of IRA and retirement accounts. This is where typically people making $100k doing it right still feel "broke" at the end of it all. Of course OP was being dramatic with the "how can people live" type of talk. Of course you can survive, you just dont really "get ahead" or pave a path towards not working any time soon.

$100k = $75k after maxing out tax deferred accounts.
$75k = $56k after federal taxes
If you live in a state with income tax take out more.

Its livable yes.....you just arent balling out of control like a lot of people think when you start to making into the six figures.
A lot of people don't "get" this until they live it.
Originally Posted By meanstringbean⏩
lolin my 20s I on average made 65k a year.Despite this:


Went abroad every year for vacation

Bought rental investment property

Lived downtown in good cities in walking distance to night life

Ate basically whatever. A lot of salmon and steak

Saved 15-20% of salary consistently in 401k

When single and smashing sloots probably went on 70-100 dates a year srs

Never once really stressed about something I can afford





Clearly you are an idiot with money.
And when was that?

https://www.usinflationcalculator.com/

I can drop my "20 something" salary in and the amount it equals now when adjusted for inflation is almost 2X the number printed on my checks back then.
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post 1635130823 03-31-2021, 09:20 PM
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Originally Posted By FrankGrimesJr⏩
Every time I got a salary increase, then everyone else gets higher than me.

When I got raised to $60k everyone made $100k. Now that I'm at $120k everyone is at $200k.

I bet when I get to $200k I'm sure everyone will be at $400k.
Boomer in laws were telling me to move out and get a mortgage when I was getting $15 hr as an intern.

Now I make more than them combined, and I ask them why they still work in their golden years.

Some out of touch boomers are broke as fuk. Do not feel bad at all.
post 1635130993 03-31-2021, 09:24 PM
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Originally Posted By AccountingMajor⏩
Boomer in laws were telling me to move out and get a mortgage when I was getting $15 hr as an intern.

Now I make more than them combined, and I ask them why they still work in their golden years.

Some out of touch boomers are broke as fuk. Do not feel bad at all.
Have to remember when they were your age they could afford a 4 bedroom white picket fence home and schooling for 3 kids on a single factory worker income

They don't fathom inflation
Thanks for your input, you frauding fat slampig-Sirfapsalot '20

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post 1635131443 03-31-2021, 09:34 PM
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Originally Posted By bsrkoacar2⏩
Don't think any benefits honestly, she's really respected as an executive. Her last job she was head of global sales but she didn't like being away 3 weeks of every month on business deals. Then she ran the americas and now she runs half the US. She has 0 tech experience but is really good at building sales teams. She has a lot of connections and moves to where the money is, corporation to corporation.
What she won’t tell you is all the guys she sucked off to get to that stage
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