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Forum » Lol at how expensive a middle class family lifestyle is
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Thread: Lol at how expensive a middle class family lifestyle is

post 1640207463 06-05-2021, 11:24 AM
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700k house...sheeesh. Keeping up with the Joneses is tough these days. Could get the same quality house a 30-45 minute commute to work and save 350k.
post 1640207563 06-05-2021, 11:27 AM
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Originally Posted By Briisk⏩
Yeah this is part of the problem. Inner city jobs aren't paying enough for workers to live in the area. Which means long commutes and quality of life driven down
Maybe with the pandemic/work from home policies this can get better

At least in the area I live in, there was definitely a trend of high paying jobs moving closer and closer together towards each other in the core parts of the metro. Tech jobs in the suburbs would often move offices into the city, or just shrink or close

This actually may be the primary reason why I mentioned I grew up with a lifestyle described in the OP even though our family didn't make much; we lived in the outskirts of the metro. Now I have to live in the core. Things are WAY more expensive here. 700k home vs 250k out there for example
Best lifts:
Bench press: 315x5
Squat: 465x1
Strict press: 205x5
Deadlift: 405x13 (conv tap'n'go with straps)
post 1640207683 06-05-2021, 11:29 AM
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Originally Posted By Unstumpable⏩
700k house...sheeesh. Keeping up with the Joneses is tough these days. Could get the same quality house a 30-45 minute commute to work and save 350k.
Now where I live.....the 700k home is the 30-45 minute commute option. A 400k home would be more like an hour to an hour and a half away. A home within 15 minutes of a commute....million to million and a half I'd ballpark. And I don't live in what's considered a HCOL area; these jobs are just in the core of a MCOL metro
Best lifts:
Bench press: 315x5
Squat: 465x1
Strict press: 205x5
Deadlift: 405x13 (conv tap'n'go with straps)
post 1640207863 06-05-2021, 11:34 AM
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$700k isnt too far off here in MD. If you need a single family house with more than 3 bedrooms in a half way decent school area then good luck finding anything less than 650k these days
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post 1640207953 06-05-2021, 11:37 AM
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Originally Posted By SaviorSelfJT⏩
These prices are "all in" prices - including taxes/fees

Brb 700k house in a medium cost of living metro (near decent jobs, near decent schools)
Brb 50k SUV
Brb vacation once a year - 500/night hotel, 350/person airline ticket, 100/day car rental. Up to 4400 for 5 days, 4 people and this doesn't even include any activities
Brb eating out at a basic restaurant is 15/person at a minimum
Brb 1200 dollar iphones for everyone in the family
Brb tens of thousands to furnish home
Brb kids need extracurricular/sports/hobbies, $$$
Brb extra wear and tear on home/furniture/appliances/vehicles means more replacements/repairs


How is anyone supposed to afford this? (srs)


Inb4 OP you don't have to have kids or do that stuff. Yes, but thats not a middle class family lifestyle. Sure I can choose to be single with no kids, not take vacations, hardly eat out, and drive a 1000 dollar 20 year old car, but thats not the lifestyle I'm talking about.


BLS be like "inflation is just one percent brah"
Agree with the metro. Houses are ****ing expensive, but I've only seen that in California to the extreme where there are absolutely no houses available for less than a certain amount.

The only state where housing is cheap near the city is Oklahoma (liberals only argument against living here is "it's Oklahoma")

Edit: and Texas, and I'm sure other states I forgot to mention.

Skip SUV buy new Corolla or Civic for $20,000 less, or just get multiple used cars

My vacations as a kid only included Las Vegas at the hotels which luckily wasn't $500 per night. San Francisco and Sacramento in cheapo motels.

I legit though going to McDonald's as a kid was "fancy" food. My parent's mostly just cooked Mexican food for us.

Instead of gay iPhones, buy Pixel (or anything else for that matter), mine was $300. I will never own a chit iPhone. I remember my old smart phone from 2011, I owned until 2014, then I bought a new updated one that I replaced for a new one in 2019

The rest at the bottom is 100% correct.

If you live in a liberal state, you do have options at least. Get married, work for lots of years, then move and pump out kids after saving a lot of money (enough to buy house).

It's stupid, because you have liberals claiming that the high taxes are what's causing higher wages. Then you look at other cheaper states, and they pay exactly the same. The only difference is you can't be a fat piece of chit (government health insurance options) and you can't be a welfare parasite (have to have in demand skills). Only some jobs pay more in the cities of California, such as Nursing and Big Tech.
post 1640208483 06-05-2021, 11:51 AM
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post 1640209133 06-05-2021, 12:02 PM
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Lol 700k house


Retarded OP


Enjoy being a brokecel
post 1640209373 06-05-2021, 12:07 PM
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Originally Posted By imbored205⏩
Fuark, knew someone was gonna post this

5700 left over, perfect just enough to buy new iphones

And this table is years old now. If we go by 10% inflation over 5 years, we're looking at about 60% higher costs today (not really srs)
Best lifts:
Bench press: 315x5
Squat: 465x1
Strict press: 205x5
Deadlift: 405x13 (conv tap'n'go with straps)
post 1640209853 06-05-2021, 12:16 PM
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Originally Posted By MrQuint⏩
I like to think so. Trying to instill some of that in my kids too
My auto and home monthly cost is under 2k. No other major bills either and I live in a city with a median income of 70k. The city is clean, not crowded at all, low crime, high ranked schools, great public facilities, etc.

There are so many choices people can make to live below their means and not feel stressed over money. Most people just make the wrong choices and it comes from thinking they deserve the biggest and best of everything. These people create their own slavery to their bills and it's sad. It's unfortunate how just a couple of unnecessarily large purchases can set a person into a life of wage slavery......
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post 1640209933 06-05-2021, 12:18 PM
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Originally Posted By Nonsense916⏩
Op just made up numbers
Yeah always stuff like this. What you don't see is the wealthiest people living very low profile lives to protect their family and their sanity. That is actually what the wealthiest people in each country do, it is the people between the median and top that like to flaunt their wealth the most.

I think the meme of CEO 10k/day comes from the idea among men that money makes you more of a man. The ability to flaunt wealth and attract shallow women to me is not something a greater man does. Some are just born into wealth or high paying job opportunities.

The only wealthy people I've ever deeply respected are guys like Chuck Feeney who built their fortune themselves and then gave it all away in order to help people. Not even like pledging it or leaving it tied it up in a political foundation, dude just straight up gave it away and lifted Ireland out of poverty.
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post 1640210003 06-05-2021, 12:20 PM
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Originally Posted By 2020Wellness⏩
My auto and home monthly cost is under 2k. No other major bills either and I live in a city with a median income of 70k. The city is clean, not crowded at all, low crime, high ranked schools, great public facilities, etc.

There are so many choices people can make to live below their means and not feel stressed over money. Most people just make the wrong choices and it comes from thinking they deserve the biggest and best of everything. These people create their own slavery to their bills and it's sad. It's unfortunate how just a couple of unnecessarily large purchases can set a person into a life of wage slavery......
I've done some marketing work and that's really why this happens. Marketing is like propaganda but for corporations. Most of it carries the same message, and it has become deeply ingrained into the fabric of our society. The message is this, "you need to buy this thing that you don't really need"
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post 1640210243 06-05-2021, 12:24 PM
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Originally Posted By Freeze2000⏩
Where in the hell are you getting a medium cost of living home for 700K?
This.

I spend big on vacation - actually used to spend more on vacations and cars when I made lesser money.

Since then I make more money, live in a slightly better area but drive my 6 year old car with 250k miles on it.

I buy new clothes only for special occasions.

I spend most of my money on food or travel and even that is not that crazy high.

What the op describes sounds like keeping up with the Jones’.
**^^ gone ^^**
post 1640210303 06-05-2021, 12:25 PM
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^^ I think most of y'all are missing the point of the thread.

It's not that you have to live like this, I even addresses that in the 2nd to last part of the OP, you can choose not to, but then you aren't living the lifestyle outlined in the OP.

The point of the thread is to just LOL at how expensive the outlined lifestyle is, and how people afford it.

Even still, some of these costs aren't as unreasonable as some of you seem to think. If you are a decently paid white collar worker, you will likely have to spend around that much on a home (and that much when you go out to eat, however frequent that may be), because you don't have the luxury of living in a cheaper area because thats not where your jobs are.
Best lifts:
Bench press: 315x5
Squat: 465x1
Strict press: 205x5
Deadlift: 405x13 (conv tap'n'go with straps)
post 1640210313 06-05-2021, 12:25 PM
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It's worse in Canada, especially Toronto
post 1640210403 06-05-2021, 12:28 PM
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Originally Posted By BeanGainClovis⏩
I've done some marketing work and that's really why this happens. Marketing is like propaganda but for corporations. Most of it carries the same message, and it has become deeply ingrained into the fabric of our society. The message is this, "you need to buy this thing that you don't really need"
Ya, it's really too bad. And I imagine everyone else thinks everyone else is doing it, so they make that house purchase that is 1000 sqft more than they'll ever use. Or they buy the car that's two years newer for the extra 20k. It's those types of decisions that put them in those monthly bill shackles.
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post 1640210503 06-05-2021, 12:29 PM
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Full size suvs are insane. See so many of them. 80k suburbans driving around. You need to have like 300k household income but yet I see almost every other car on the street is a suburban/tahoe or similar.
post 1640210553 06-05-2021, 12:30 PM
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Originally Posted By WalrusOverlord⏩
It's worse in Canada, especially Toronto
Feel bad for canadians (srs)

Salaries are nearly half of an equivalent american's in my industry, yet you have more taxes and have to pay much more for housing and just about everything else. Except for healthcare, but your employer would take care of that here too.

Don't know why there's isn't mass migration out of there
Best lifts:
Bench press: 315x5
Squat: 465x1
Strict press: 205x5
Deadlift: 405x13 (conv tap'n'go with straps)
post 1640210693 06-05-2021, 12:33 PM
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Originally Posted By 2020Wellness⏩
My auto and home monthly cost is under 2k. No other major bills either and I live in a city with a median income of 70k. The city is clean, not crowded at all, low crime, high ranked schools, great public facilities, etc.

There are so many choices people can make to live below their means and not feel stressed over money. Most people just make the wrong choices and it comes from thinking they deserve the biggest and best of everything. These people create their own slavery to their bills and it's sad. It's unfortunate how just a couple of unnecessarily large purchases can set a person into a life of wage slavery......
Yea same.


70k salary is enough to have a 2 story house in a safe area with a big yard, solid car, and still save a good amount of money



People waste money on “luxury” car brands, pointless home renovations, not shopping around, eating out half the week, etc.


People are either good with money or they aren’t. Whether they make 70k, or 200k, they would find a way to spend it all
post 1640210943 06-05-2021, 12:35 PM
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Originally Posted By meanstringbean⏩
Yea same.


70k salary is enough to have a 2 story house in a safe area with a big yard, solid car, and still save a good amount of money



People waste money on “luxury” car brands, pointless home renovations, not shopping around, eating out half the week, etc.


People are either good with money or they aren’t. Whether they make 70k, or 200k, they would find a way to spend it all
Not going to ask where you live as thats private info

But from your 2 story house, are there jobs which pay 200k (like software eng) within a reasonable (< 45min) commuting distance?

In the metro I live, a home which you can afford on a 70k salary (especially one with big yard and safe area) is not within reasonable commuting distance to high paying jobs
Best lifts:
Bench press: 315x5
Squat: 465x1
Strict press: 205x5
Deadlift: 405x13 (conv tap'n'go with straps)
post 1640211363 06-05-2021, 12:40 PM
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Originally Posted By 2020Wellness⏩
Ya, it's really too bad. And I imagine everyone else thinks everyone else is doing it, so they make that house purchase that is 1000 sqft more than they'll ever use. Or they buy the car that's two years newer for the extra 20k. It's those types of decisions that put them in those monthly bill shackles.
It is true, debt is primarily a method of control in order to extract profits from our labor. The lender wants to maximize their profits, and the highest living expense is often housing. It's crazy to think about how many days/hours of one's life is spent earning a wage/salary just to pay interest. Not even paying back money that you borrowed, but paying the huge fee people take on just to borrow in the first place.
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post 1640211673 06-05-2021, 12:45 PM
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Originally Posted By SaviorSelfJT⏩
These prices are "all in" prices - including taxes/fees

Brb 700k house in a medium cost of living metro (near decent jobs, near decent schools)
Brb 50k SUV
Brb vacation once a year - 500/night hotel, 350/person airline ticket, 100/day car rental. Up to 4400 for 5 days, 4 people and this doesn't even include any activities
Brb eating out at a basic restaurant is 15/person at a minimum
Brb 1200 dollar iphones for everyone in the family
Brb tens of thousands to furnish home
Brb kids need extracurricular/sports/hobbies, $$$
Brb extra wear and tear on home/furniture/appliances/vehicles means more replacements/repairs


How is anyone supposed to afford this? (srs)


Inb4 OP you don't have to have kids or do that stuff. Yes, but thats not a middle class family lifestyle. Sure I can choose to be single with no kids, not take vacations, hardly eat out, and drive a 1000 dollar 20 year old car, but thats not the lifestyle I'm talking about.


BLS be like "inflation is just one percent brah"
What state is this?

Legit I’m saving up while here in goofy ass Bay Area, CA. Living frugal, but going to have a fat ass down payment for a real middle class American dream house in the Midwest.

BRB $400k homes in Ohio or Michigan (4-5 bed / 3-4 bath 2800-3000sqft house, with garage, basement, and roughly 1/4 to 1/3 acre of land) is like a $1.2M home in S. California and nearly a $2M home in the Bay Area, and that’s a home with a tiny chitty non-existent prison cell of a backyard.
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post 1640211733 06-05-2021, 12:46 PM
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Socialism has allowed people to live way above their means. People no longer save, have a retirement... they went to retire and just live on Medicaid and Social Security.

This is why socialism weakens society. No one plans for tragedy anymore and they expect the rest of us to bail them out. Socialism, like the totalitarian state, is the product of society simply no longer wanting to take responsibility
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post 1640211833 06-05-2021, 12:49 PM
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Originally Posted By illriginalized⏩
What state is this?

Legit I’m saving up while here in goofy ass Bay Area, CA. Living frugal, but going to have a fat ass down payment for a real middle class American dream house in the Midwest.

BRB $400k homes in Ohio or Michigan (4-5 bed / 3-4 bath 2800-3000sqft house, with garage, basement, and roughly 1/4 to 1/3 acre of land) is like a $1.2M home in S. California and nearly a $2M home in the Bay Area, and that’s a home with a tiny chitty non-existent prison cell of a backyard.
I don't want to give away info like my state, but I'll tell you it isn't CA or NY

Sometimes I look around other places with cheaper homes and start drooling, like how much home you can get for 500k in WI. But then I look and see there's not many jobs I could have there. Maybe I could retire there one day



Bay area's housing market is on another dimension
The price is high because there is an assumption that it will keep increasing at a high rate.
Because even if you spend 2M on a home there, if you can sell it for 2.5M a couple years later, it didn't actually cost you much.
It's effectively speculation built into the pricing
Best lifts:
Bench press: 315x5
Squat: 465x1
Strict press: 205x5
Deadlift: 405x13 (conv tap'n'go with straps)
post 1640211933 06-05-2021, 12:51 PM
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Originally Posted By imbored205⏩
Is this image supposed to be a bad thing? This imaginary person is clearly gonna make it. $18k/yr into a 401K plus equity in a $700k home is pretty good for net worth/retirement
post 1640211983 06-05-2021, 12:51 PM
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My house is worth about that and it's not close to work or to good schools AND is tiny

Housing is expensive not sure what chithole places you guys live that you think $700k is alot
post 1640212033 06-05-2021, 12:52 PM
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Honestly...

Your #'s may be low near/ in a big city.. lol

Chits gonna be nuts with the incoming inflation
post 1640212143 06-05-2021, 12:55 PM
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A cheap house is just over a mill here. Lol @ 700k. This depends where you live obviously.
post 1640212283 06-05-2021, 12:59 PM
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Originally Posted By mcdojo⏩
My house is worth about that and it's not close to work or to good schools AND is tiny

Housing is expensive not sure what chithole places you guys live that you think $700k is alot
Yeah, I could go cheaper than 700k within my area. For about 500k you are looking at tiny ranch homes built in the 50s thats bound to have serious issues. Fine for just me and a SO, but with kids nah I'm sweet

Even 700k isn't buying you anything nice, just not a dump
Best lifts:
Bench press: 315x5
Squat: 465x1
Strict press: 205x5
Deadlift: 405x13 (conv tap'n'go with straps)
post 1640212593 06-05-2021, 01:04 PM
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Read an article once where two lawyers were living paycheck to paycheck with the only savings being their house. 400k income combined, but million dollar mortgage, two cars, two kids in private school and camps/activities, one major vacation a year and a cottage they had to maintain that doubled as a ski chalet.

People spend up to whatever their means dictate and usually a bit over.
post 1640212813 06-05-2021, 01:07 PM
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Originally Posted By mcdojo⏩
My house is worth about that and it's not close to work or to good schools AND is tiny

Housing is expensive not sure what chithole places you guys live that you think $700k is alot
$700k is relatively a lot. Just depends which state and what part of that state?

$700k in Michigan easily gives you a comfortable size home with lake view, as in nice back yard with direct access to the lake with a dock (for boats).
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