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Forum » If you gross $45k, annually...huge congrats!
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Thread: If you gross $45k, annually...huge congrats!

post 1546760231 03-18-2018, 02:53 PM
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Originally Posted By DrFeeIGood⏩
$160k and it's not enough, even for a single dude in the midwest. Can't imagine having kids and a wife.
LOL oh gawd!
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post 1546760401 03-18-2018, 02:56 PM
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Originally Posted By Peter
If you're making $80,000 a year, that's roughly $55-$60,000 after taxes. Let's say you spend $1,700 on rent/mortgage. What else could possibly be draining your wallet to the point you're struggling financially? You should around$3,300left per month. Even with a car payment of$1,000, you're still looking at$2,700after taxes.

Learn to manage your money better.
That math doesn't check out breh
post 1546760421 03-18-2018, 02:57 PM
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Originally Posted By SkinnyPhatBrah⏩
2 vacations a year?
Chit, i drive an old as fuk car - still works fine, sub 140k miles, own it outright, costs me maybe $1500 a year in maintenance/servicing/car insurance.
Strong life.

post 1546760461 03-18-2018, 02:57 PM
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Originally Posted By AVOJAMACADA⏩
True stroy.

Brb miscers think you need 250k a year to live in a 1 bedroom condo.

If your banking 50k a year (single) then you can live an awesome life.
Can foncirm, make about 50k a year and and pretty damn well off. True stroy
post 1546760501 03-18-2018, 02:58 PM
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Originally Posted By DrFeeIGood⏩
Strong life.
What city in the midwest?
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post 1546760601 03-18-2018, 03:00 PM
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Originally Posted By bobbydigitaloa⏩
What city in the midwest?
West Des Moines (not srs)
post 1546760781 03-18-2018, 03:01 PM
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Originally Posted By bobbydigitaloa⏩
You’re way above average! The average single tax filing for people in the US is just under $35k...

A lot of really dumb chit gets said about money on these forums so it’s nice to remind brahs...especially the young ones...you’re doin well and should be positive and keep pushing to improve.

I used to think the $60k a made at my old job was low until you look at numbers and realize it’s absolutely not. I’m very fortunate to have gotten a chance at making even more and know what it takes to do that so again...the money threads you young guys see here are mostly garbage.

Be happy knowing you’re ahead of the game. I’ll bet if we looked at numbers you’re way above average in the gym is well...keep it up!
Awesome positivity! And I think a lot of us know these money threads are a freakin joke at least the folks with half a brain, that being said the 70g I made last year still doesn’t seem like enough don’t think I’ll be content till I break the 100k mark.
post 1546760881 03-18-2018, 03:03 PM
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Originally Posted By DrFeeIGood⏩
West Des Moines (not srs)
Exactly...so I'll assume Chicago. Housing alone is some 80% higher than most parts of the country. And living in big cities is awful...
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post 1546761191 03-18-2018, 03:06 PM
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Starting 47k checking in. Still work my weekend job, and am thinking of additional sources of income. There's some upper movement to look forward to in my career though but nothing crazy until I'm seasoned enough to have valuable experience.
post 1546761361 03-18-2018, 03:08 PM
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Originally Posted By 15thPeak⏩
Starting 47k checking in. Still work my weekend job, and am thinking of additional sources of income. There's some upper movement to look forward to in my career though but nothing crazy until I'm seasoned enough to have valuable experience.
Nice! I love that you're also willing to work a weekend job as well as looking to advance in your career. I did this for the first several years in my old gig and would even do it now if time allowed. Good luck with your future, man.
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post 1546761391 03-18-2018, 03:08 PM
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Originally Posted By DrFeeIGood⏩
$160k and it's not enough, even for a single dude in the midwest. Can't imagine having kids and a wife.
Wow only 160 that must be tough.
post 1546761401 03-18-2018, 03:09 PM
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Above average crew
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post 1546761451 03-18-2018, 03:09 PM
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Strong everything ITT. Either there are some serious exaggerations going on, ornobodyunderstands how to budget... Live in decent suburbs in the midwest and doing just fine on ~45k gross. Mortgage payment is manageable, own both our cars, go out to eat here and there, and currently paying for graduate school.

Before my wife stayed home with our kiddo and we were both working we lived on one salary and used the other one to pay off all our undergraduate loans in less than three years. This isn't that difficult...
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post 1546761481 03-18-2018, 03:10 PM
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Originally Posted By DrFeeIGood⏩
$160k and it's not enough, even for a single dude in the midwest. Can't imagine having kids and a wife.
not sure if srs. i lived in chicago and u can live in the loop paying top dollar for rent and u still would be comfortable.
post 1546761771 03-18-2018, 03:14 PM
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Man those living costs in US must be insane if peeps are struggling on 200k wtf
post 1546761881 03-18-2018, 03:15 PM
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Originally Posted By DirtyDon123⏩
Man those living costs in US must be insane if peeps are struggling on 200k wtf
They aren't struggling...they are either lying/full of chit or complete idiots with their money.
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post 1546762061 03-18-2018, 03:18 PM
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#77
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make 150 in nyc as a unmarried dude age 26. live in nj tho and wouldnt feel comfortable paying nyc rents. overall dont really feel comfortable and I have no idea how people who make less cope with it. until i have "fuk you" money i'll never be be comfortable though so my standards are higher.
also drive a 2002 camry.
split rent with gf and live in a cheaper area.
**** creeps up on you. I do go on a lot of vacations though, 6 or more a year probably

- work in tech as software engineer.
post 1546762071 03-18-2018, 03:18 PM
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Bobby isn't there studies that say 70-75k is the crossover point for happiness or something?
post 1546762191 03-18-2018, 03:19 PM
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That 200k example wouldn't be struggling anyways. Having $5,700 a year of totally free money after putting $18,000 into a retirement account, paying down $3000/month on a mortgage, taking two vacations per year, and after all your other expenses... That's called making it
post 1546762451 03-18-2018, 03:23 PM
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Many people lack budgeting skills. This applies at all incomes, it's just that higher income people have more leeway, having both more spare cash and better credit to make up for the dumb sht they do.

In Australia in 1971 around 70% of homes were owned by their occupiers or had a mortgage. Now in 2018 everyone complains about how unaffordable housing is, and the ownership/mortgage rate is... 70%. But the average new home has gone from 170m2 in 1985 to 230m2 in 2015, and women with dependent children, 25% of them used to do paid work, now 65% of them do. So household income has gone up, and households have got bigger.

So really this is less about income and expenses and more about expectations. We always want bigger and better. Our ambitions are always above our reality.
post 1546762521 03-18-2018, 03:23 PM
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Originally Posted By pechorin⏩
make 150 in nyc as a unmarried dude age 26. live in nj tho and wouldnt feel comfortable paying nyc rents. overall dont really feel comfortable and I have no idea how people who make less cope with it. until i have "fuk you" money i'll never be be comfortable though so my standards are higher.
also drive a 2002 camry.
split rent with gf and live in a cheaper area.
**** creeps up on you. I do go on a lot of vacations though, 6 or more a year probably

- work in tech as software engineer.
well that's your issue, too many vacations, chit adds up.
post 1546762801 03-18-2018, 03:28 PM
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Originally Posted By KyleAaron⏩
Many people lack budgeting skills. This applies at all incomes, it's just that higher income people have more leeway, having both more spare cash and better credit to make up for the dumb sht they do.

In Australia in 1971 around 70% of homes were owned by their occupiers or had a mortgage. Now in 2018 everyone complains about how unaffordable housing is, and the ownership/mortgage rate is... 70%. But the average new home has gone from 170m2 in 1985 to 230m2 in 2015, and women with dependent children, 25% of them used to do paid work, now 65% of them do. So household income has gone up, and households have got bigger.

So really this is less about income and expenses and more about expectations. We always want bigger and better. Our ambitions are always above our reality.
nailed it
post 1546763121 03-18-2018, 03:32 PM
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Originally Posted By KyleAaron⏩
Many people lack budgeting skills. This applies at all incomes, it's just that higher income people have more leeway, having both more spare cash and better credit to make up for the dumb sht they do.

In Australia in 1971 around 70% of homes were owned by their occupiers or had a mortgage. Now in 2018 everyone complains about how unaffordable housing is, and the ownership/mortgage rate is... 70%. But the average new home has gone from 170m2 in 1985 to 230m2 in 2015, and women with dependent children, 25% of them used to do paid work, now 65% of them do. So household income has gone up, and households have got bigger.

So really this is less about income and expenses and more about expectations. We always want bigger and better. Our ambitions are always above our reality.
I agree. The main point if the thread is to remind young bros that what they read about income is mostly bullchit here as it's easy to see someone just throw out a salary like it actually happens. But again, you're right about budgeting.
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post 1546763181 03-18-2018, 03:33 PM
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125K household income in ATL, and can confirm would be no problem to live on half of that, even while paying a $430 car note and student loans each month. Strong retard struggling with 160K in the midwest, you must have literally no idea about finances.
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post 1546763821 03-18-2018, 03:43 PM
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Originally Posted By TugOfPeace⏩
Rent pisses me off. The cheapest one bedroom in Chicago with parking that you can get in a decent area is like $1300-1400. That's like $24k pretax income right there. Factor in a cell phone ($100), gym ($50), food ($300), car ($200), car insurance ($75), gas ($100), fun money ($200), that's like another $17k pretax. $41k gone immediately.

$45k is nothing in a major city.
>$45K being nothing in a major city
>Paying for apartment with parking, a cell phone, gym membership, food, transportation, and $200 for whatever each month, with 4K pre-tax left over


pick one. lol, you state 45K is nothing literally right after posting a statement that completely disproves 45K being nothing.
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post 1546763881 03-18-2018, 03:44 PM
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Originally Posted By SkinnyPhatBrah⏩
2 vacations a year?
car payments?

this islifestyle creep, like the brah a few posts above mentioned.

Chit, i drive an old as fuk car - still works fine, sub 140k miles, own it outright, costs me maybe $1500 a year in maintenance/servicing/car insurance.
Bolded lifestyle creep for emphasis. It's the reason why there are so many high-income people out there who still essentially live paycheck to paycheck.

Manage expectations and don't live beyond your means. ****ty financial skills lead to family problems despite the desperate search for happiness from external things.

I live in the NYC area (not Manhattan) with a gross income of around $70k. I'm living pretty comfortably, maxing out my Roth IRA and throwing a lot of my money into a (sadly, non-matched) 403b. After all my other expenses, I have enough money laying around for hobbies and going out. But that's because I budget my money wisely and don't think about living well beyond my means.
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post 1546764071 03-18-2018, 03:48 PM
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Originally Posted By Jacobcapra⏩
125K household income in ATL, and can confirm would be no problem to live on half of that, even while paying a $430 car note and student loans each month. Strong retard struggling with 160K in the midwest, you must have literally no idea about finances.
I just spent 4 days in ATL and I have no clue how you survive in that traffic and culture...ugh!
Originally Posted By TugOfPeace⏩
$45k is nothing unless your only goal is to live paycheck to paycheck.
It's not about the goal it's about reality...most people live paycheck to paycheck.
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post 1546764121 03-18-2018, 03:48 PM
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brb in the army and make 8 dollars an hour and work 24/7........but at least i have free healthcare right!
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post 1546764261 03-18-2018, 03:51 PM
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Originally Posted By TugOfPeace⏩
The scenario I gave results in spending 91% of one's income. That's terrible.

That person wouldn't be able to afford vacations, eating out at restaurants, buying clothes, saving in a 401k, saving for an emergency fund, etc, without going into debt.. $45k is nothing unless your only goal is to live paycheck to paycheck.
brb $200 per month to eat out and buy clothes. Another 4K pre-tax income would pay for a vacation each year, or could go to the bank to save for rainy day.

But a person making 45K living in chicago probably just budgets more intelligently, and spends less per month on most of the things you listed.


What you're trying to tell me is that 45K ain't "making it" yeah well no **** but clearly it's not nothing.
Originally Posted By bobbydigitaloa⏩
I just spent 4 days in ATL and I have no clue how you survive in that traffic and culture...ugh!
meh, it's like any other major city, once you've lived there a few years, you know when and where to go and not go, to be and not be, etc. to get around all the frustration.

Brb live near an interstate + avoid downtown from 4-8 p.m. + work outside the city to have reverse commute = no traffic
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post 1546764331 03-18-2018, 03:51 PM
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Originally Posted By DrFeeIGood⏩
COPE thread. Let's face reality, $100k aint much. A number of professions can get you there if you aren't lazy/stupid. Doctors, Lawyers, CPA, programmer, CRNA, PA, NP, Pharmacist, actuarary, all under age 30 and over $100k easy. If you think $45k is good money for anyone over age 25 you have a small peasant brain. Poor people have worse marriages, contribute nothing to society, etc. Don't be one of those people.

In 4 the butt-hurt
lol I always love when retards come in and post this

people with IQ's in the 60s crack me up
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