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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 1635131633 03-31-2021, 09:37 PM
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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?
We don't do communism.
post 1635132523 03-31-2021, 09:52 PM
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you can live comfortably on about 3500 per month after taxes if you have a modest house and control your spending but you better have a nestegg set aside before you settle into that situation because there won't be much left over for savings.
"I'm not like most girls." -most girls
post 1635133193 03-31-2021, 10:03 PM
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Originally Posted By ChrisLS8⏩
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
Actual statistics show that poverty was higher back then, and cost of living to average income was lower. Interest rates were higher and you had to have a real down payment.Minimum down now is like 3-4% and interest rates are 2-3%. Back then it was like 20% down and 7-10% interest. Also, average home was smaller. Of course they did more younger because they were brought up to be adults by 18. This hyper emotional bullchit and victim mentality wasn't tollerated. Their parents nipped that in the bud real quick.
post 1635134723 03-31-2021, 10:28 PM
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Originally Posted By BrightThru2014⏩
We don't do communism.
It's more like the buildings aren't chit:

London housing:

SD housing:

We only have a few 20-story building for apartments:

Democrats don't like building higher than 2 story structures.

Edit:
I remember I hear back in the day how democrats built public housing buildings, nowadays they only build these tiny 2-story structures:
*Not sure if people actually live in the bottom floor. It's usually a lobby or some chit.
post 1635140713 04-01-2021, 01:07 AM
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You can live pretty well in most of the country on $100k and decently in the major cities but you are definitely not going to feel "rich" even at 200k of salary alone.

People focus too much on salary numbers. Salary should be thought of as the capital to make real money through investing that will lead to financial independence and improving your standard of living.
post 1635143333 04-01-2021, 03:02 AM
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Originally Posted By Inger2⏩
<Router>
<App/>
</Router>

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?”
<Redirect to='/ICodeTooButUkDevelopersGetPaidLike****ComparedToUs a' />
post 1635143713 04-01-2021, 03:17 AM
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Originally Posted By denrocks1⏩
By lying

100k isn't unobtainable but the answer is that most people here are joking/lying about how much they make.
Most people I know making six figures are doctors or they're self employed (affiliate marketing/flipping houses etc). They "gross" 6 figures but never factor in the tax rapings and various other expenses so they only take home a little more than half of that per year.
post 1635144133 04-01-2021, 03:37 AM
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110k and still feel poor crew
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ωσяℓ∂ тяανєℓєя ȼяєω ₅₀/₁₉₅
𝕬𝖊𝖘𝖙𝖍𝖊𝖙𝖎𝖈𝖆𝖑𝖑𝖞 𝕮𝖚𝖙 𝕸𝖆𝖘𝖙𝖊𝖗 𝕽𝖆𝖈𝖊 ®
ᗪIᔕᑕᖇIᗰIᑎᗩTIOᑎ E᙭ᑕᒪᑌᔕIOᑎ IᑎᗪOᑕTᖇIᑎᗩTIOᑎ
post 1635144433 04-01-2021, 03:46 AM
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In on thread that contains about 5% truth.
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post 1635144703 04-01-2021, 03:55 AM
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I make 55k a year plus bonus which I don't really include because they vary so wildly.

But other than being a rentcel I manage fine on that.

Rent in a decent house in a decent area

Decent quality food

Clothes when I need them

Car all paid off

Go out for dinner or do something with friends maybe once a week

But something I want like a video game or something every couple weeks.

After all that I can put away not a huge amount but maybe 250 bucks a week or something. When I get my monthly bonus which can be anywhere between $0-1000 it all goes into savings.

Dont get me wrong I'm not living like a king, and the amount I'm able to save isn't much, but I have a pretty decent lifestyle, I'm hardly living in the ghetto subsisting on top ramen.
post 1635144973 04-01-2021, 04:02 AM
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I make like 26k and have plenty of money idk what you guys are doing?

I also have a 2016 mustang paid off that has 40k miles on it
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post 1635145013 04-01-2021, 04:03 AM
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I make like 100,000

26 year old male with a mortgage. To be honest, If I just had a normal apartment in a cool part of town to pay for like 1500, and no car, I would be taking exotic vacations all the time.

In reality, I spend a lot on mortgage, and a lot on food and drugs.

Such is life.
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post 1635149753 04-01-2021, 06:34 AM
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Originally Posted By Tanerian⏩
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.
Understood and thats a great mindset. IM curious however, are you maxing out all your tax deferred investment accounts? If you did, would you be in the same predicament/mindset if you couldnt have what you have and can do right now? Thats the true mindset of the millionaire next door.
post 1635149833 04-01-2021, 06:37 AM
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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.
A VP hitting 200% of quota consistently? Highly suspect in software sales at that level.....
post 1635150103 04-01-2021, 06:43 AM
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Originally Posted By iradumass⏩
With all the fuk you inflation and wage stagnation, I'm basically barely getting by with that money srs
You must be horrible with money, fiscal responsibility, etc.

Very srs.
You have my word as a Schons.
post 1635162393 04-01-2021, 09:37 AM
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just become a doctor and work in the ER if you want money. dude i know makes over 20k/month working ER and only works like 40 hours a week. he's made over 40k some months taking more shifts.
post 1635169413 04-01-2021, 11:13 AM
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Originally Posted By Trudope⏩
just become a doctor and work in the ER if you want money. dude i know makes over 20k/month working ER and only works like 40 hours a week. he's made over 40k some months taking more shifts.
yea bruhs just become a licensed physician in the US
a few weekend courses will do
<HTC>
post 1635174753 04-01-2021, 12:22 PM
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Originally Posted By stayhomeneet⏩
I make 55k a year plus bonus which I don't really include because they vary so wildly.

But other than being a rentcel I manage fine on that.

Rent in a decent house in a decent area

Decent quality food

Clothes when I need them

Car all paid off

Go out for dinner or do something with friends maybe once a week

But something I want like a video game or something every couple weeks.

After all that I can put away not a huge amount but maybe 250 bucks a week or something. When I get my monthly bonus which can be anywhere between $0-1000 it all goes into savings.

Dont get me wrong I'm not living like a king, and the amount I'm able to save isn't much, but I have a pretty decent lifestyle, I'm hardly living in the ghetto subsisting on top ramen.
Sorry to hear brother but 55k is barely living. You are never retiring with that income
post 1635176013 04-01-2021, 12:39 PM
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i've survived fine on minimum wage before. was it enjoyable? no. did i have nice things and eat well? no, well I did eat well but that's cause I cooked everything. did I have 3+ roommates? yes

surviving != buying nice clothes, monthly payments for a car you can't afford, living by yourself in a nice area, drinks out every weekend or eating out.

surviving = food, fridge, stove, water, bed, shower, internet, transportation (not necessarily good transportation), phone, low rent

you can survive fine on a low salary/wage... saving on the other hand is quite difficult
post 1635179903 04-01-2021, 01:20 PM
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Originally Posted By eod8989⏩
I make like 26k and have plenty of money idk what you guys are doing?

I also have a 2016 mustang paid off that has 40k miles on it
Your car is worth more than your salary because you live with your parents. Most of the people live on their own.

I would like to see you try to live on $26k yr if you were a rentcel.
post 1635180873 04-01-2021, 01:34 PM
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Originally Posted By Jadedfadedisbae⏩
In reality, I spend a lot on mortgage, and a lot on food anddrugs.

Such is life.
Tell us more...
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post 1635181163 04-01-2021, 01:37 PM
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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?
It actually used to be worse. My Father moved out there as a petrochem engineer and made 3x as much while working for the same company and had a house paid for.

US economy just seems to be GOAT so salaries are also GOAT, especially when they don't get taxed to high heaven. Just thank God we are not on the continent paying 60% tax to fund a half a nation of public sector job for life *******s.
If you can't handle me when I'm incel, you don't deserve me when I'm chad
post 1635181913 04-01-2021, 01:45 PM
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that feel when spend 1k+ a mnth on the ganja
post 1635182313 04-01-2021, 01:50 PM
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post 1635184393 04-01-2021, 02:15 PM
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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.
I didn't realize how few people actually utilize their 401k till a bunch of dudes at the gym were talking about trying to calculate net worth and savings n shyt and they were all saying they are worth more dead than alive by a long shot (their company gives free life insurance equal to 2x yearly wages or something). I was kinda surprised so I asked if they were factoring in their 401k/retirement accounts and they all kinda laughed and one dude was legit like "yeah I don't contribute much to that one I want to live now not 50 years from now".


I do well, but I would definitely do much better if I was better at budgeting for food and stuff. I have significantly cut back on eating out though because a meal at a fast food spot used to be like 7 or 8 bucks last year and now suddenly its $10 no matter where you go. Like wtf I'll go by a rotisserie chicken for $8 and eat it for 2-3 days


It is mindblowing though the difference between saving $15k+ in 401k and $7k in HSA vs not doing it at all. Obviously $20k is a fair bit of income to just move into an account not touched for 30+ years. Kinda interesting when you think about it that average company will match your 401k savings up to 5%. Then as an American you will hopefully have Social Security to draw from as well. So a lot of us are saving 10% in yearly income in 401k, have SS to draw from, and some people add to additional roth plans.
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post 1635216493 04-01-2021, 09:01 PM
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Originally Posted By Avalanche3319⏩
Tell us more...
******* is expensive
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post 1635216683 04-01-2021, 09:05 PM
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Originally Posted By RobParks2M⏩
I didn't realize how few people actually utilize their 401k till a bunch of dudes at the gym were talking about trying to calculate net worth and savings n shyt and they were all saying they are worth more dead than alive by a long shot (their company gives free life insurance equal to 2x yearly wages or something). I was kinda surprised so I asked if they were factoring in their 401k/retirement accounts and they all kinda laughed and one dude was legit like "yeah I don't contribute much to that one I want to live now not 50 years from now".


I do well, but I would definitely do much better if I was better at budgeting for food and stuff. I have significantly cut back on eating out though because a meal at a fast food spot used to be like 7 or 8 bucks last year and now suddenly its $10 no matter where you go. Like wtf I'll go by a rotisserie chicken for $8 and eat it for 2-3 days


It is mindblowing though the difference between saving $15k+ in 401k and $7k in HSA vs not doing it at all. Obviously $20k is a fair bit of income to just move into an account not touched for 30+ years. Kinda interesting when you think about it that average company will match your 401k savings up to 5%. Then as an American you will hopefully have Social Security to draw from as well. So a lot of us are saving 10% in yearly income in 401k, have SS to draw from, and some people add to additional roth plans.
I max out my 401k and roth so I don't feel guilty spending whatever's left. But I do wish I made a little more so I could save more in a taxable brokerage that's not locked up for 25-30 more years.
post 1635218243 04-01-2021, 09:26 PM
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Originally Posted By jafomofo⏩
you can live comfortably on about 3500 per month after taxes if you have a modest house and control your spending but you better have a nestegg set aside before you settle into that situation because there won't be much left over for savings.
Not in Cali
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post 1635218443 04-01-2021, 09:29 PM
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Have a good budget. Stay debt free. Spend less money then you earn. Save and invest a minimum of 20% of your income.
post 1635218613 04-01-2021, 09:33 PM
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#90
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Originally Posted By guest89⏩
Have a good budget. Stay debt free. Spend less money then you earn. Save and invest a minimum of 20% of your income.
This is it, chief.
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