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

post 1546764721 03-18-2018, 03:56 PM
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#91
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Depends on your family status.

I'm in my 3rd year of accounting and am grossing about 62k before taxes.

Being single, I am banking $1,200/mo in disposable income after mortgage/taxes/car/utilities/ect. If I had a wife and kids, we'd barely be getting by.
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post 1546765721 03-18-2018, 04:09 PM
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#92
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Yeah my tax guy told me great job for my age at 64k here in socal. Still feels poverty and hope this crypto bear market turns around this year.
post 1546766481 03-18-2018, 04:20 PM
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#93
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If you'reSINGLEand cant live a freaking amazing life making 45k/year pre tax, just lay down and rot boyo. Its when you get married and have kids when you really start feeling the pressure and financial stress.
"If you come at the king, you best not miss"
-Omar Little
post 1546766731 03-18-2018, 04:24 PM
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#94
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Miscing since 2006; miscing until I'm dead.
post 1546766781 03-18-2018, 04:25 PM
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#95
  1. PeaceWithin
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Originally Posted By xLGx⏩
Depends on your family status.

I'm in my 3rd year of accounting and am grossing about 62k before taxes.

Being single, I am banking $1,200/mo in disposable income after mortgage/taxes/car/utilities/ect. If I had a wife and kids, we'd barely be getting by.
How do you figure that a wife and kiddo would tear through that $1200 so badly?
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post 1546766861 03-18-2018, 04:25 PM
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#96
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Originally Posted By MinisterOfLust⏩
I don't believe you.
Originally Posted By shoelaces⏩
I don't either. 70k is pretty good pay even with a bachelors. At age 18 right out of high school? LOL this happened.
I did. I joined the ANG right after high school and the full time people on base get paid by the government scale. I was a WG-10 which in my state paid $22 an hour, but there was a locality step increase which bumped it to $28 starting. Went up to $30 an hour, but I worked nights which there is a compensation for that which is another $2 an hour. That's $61,440 a year. I went on trips too so active duty pay and the per diem as well as deployments and drill weekends averaged it out to 70k a year.

And this is public knowledge as well if you don't believe me. All working grade salaries are public knowledge. Adding on, I was 19 when this happened.
I did not have sexual relations with that woman, Miss Lewinsky. I never told anybody to lie, not a single time; never. These allegations are false. And I need to go back to work for the American people. Thank you.
post 1546766921 03-18-2018, 04:26 PM
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#97
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I make 56k first job out of college. It’s fine for a single guy but really made me realize how others must struggle, especially those with kids.


That said I’ll probably take a cut into the 40s to get into my field. Right now I get an extra $1 shift differential pay so I’m at like 58k for the year.

Net about $3270 per month.
post 1546767231 03-18-2018, 04:30 PM
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#98
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I worked with a young millennial Turd once, he was a Bartender going to city college sometimes no ****ing Direction in life

got hired to be in sales by meeting the Regional manager at the Bar he worked at. 22$ an hour with 2 hours overtime daily. making about 65k from the start! always broke even living with a roommate

****ing Kid was lazy, very unorganized always late complained daily about not making enough. he wanted to work from home so

he could sleep till 10 am. SMFH. long story short he left after 3 years of feeling stuck... good riddance !

wake the **** up Millennial *******s life ain't what you see on your Instagram BS!
MR.PHF '09

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''damn right I like the life I live

'Cause I went from negative to positive

And it's allGood..."


"friends come and go but enemies accumulate"


< H.T.C Till I D.I.E >
"Zero tolerance Crew" ZERO, NADA !!!!
post 1546767581 03-18-2018, 04:34 PM
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#99
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Originally Posted By bobbydigitaloa⏩
you're right about budgeting.
I trained an investment advisor, well-known guy with a column in the paper that people write in to. He said, "About 20% of the population are financially hopeless - however much money or advice you give them, they'll always be broke." I think he might overestimate the numbers a bit, like a doctor thinks everyone is sick and cops think everyone is a crim, who does a financial advice guy hear from, people in trouble. Still, he has a point: a certain fraction are hopeless and will always be broke however much money and advice you give them.

I know a guy who got $300 a week and was always broke. Fair enough, it's not much. But later he got $1,800 a week cash in hand and wasstillalways broke. One time, "I lost $1,000 this week. It's probably somewhere in my room, I'll find it later, and if I don't no worries I'll just make more money next week." Who loses $1,000 in cash? And he always has a scheme to make even more money, but with much less work on his part. I think this is one of those guys, that 20% (or less, I hope).

The flipside to that is, a certain fraction are good and will never be broke, or not for long, however much bad sht happens to them. Bell curve, I guess. And then there's the rest of us, at least 2/3 the population, for whom some help will make a difference.

Probably the same applies to the fitness world, people's love lives, and so on.

In my case, I think it helped that I grew up relatively poor - for Australia, anyway. So I've got perspective that my family's doing well now. I think a lot of the Misc is lower middle class and up, so they've been well taken care of by their parents. Lots of them are without a job (posting from IPs in residential areas during business hours) and living at home with their parents at 25, still being taken care. So they've never had to budget, mum and dad always bail them out and take care of them. It's good to have a family who takes care of you, but certain skills aren't learned, and it gives them too much time to just bullsht online and make sht up. Which is fun and all, but is misleading for the guys just starting out who don't know any better. And for the Misc, this applies to fitness stuff as well as money.

Ambitious but realistic is the way to go, I think. Money is like what someone said of fitness: most people overestimate what they can achieve in the short term, but underestimate what they could achieve in the long term.
post 1546767601 03-18-2018, 04:34 PM
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#100
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You can make big money but you have to pay your dues. I've had jobs in my early-mid 20s making 30k - 45k.

I was making 45k at 27. Then promoted got up to 55K. I think around 29 or so I was at 60k. I got six figures at around 31/32 or so?

2016 my W-2 was at $110,000. This year with bonuses and stocks included I should make 125k. Took me about ten years to get where I'm at though.
A hit was sent, from the President, to raid your residence /
Because you had secret evidence, and documents /
On how they raped the continents, and it's the prominent /
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post 1546767641 03-18-2018, 04:35 PM
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#101
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People are fuking delusional about income and height, mainly cause everyone height/income frauds so much that the perception in society has changed, specially around certain parts of the country like here in LA.
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Rustle me = get repped
post 1546767741 03-18-2018, 04:36 PM
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#102
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Originally Posted By Fuqdatass⏩
Good thing every miscer is an absolute prodigy and in the top 1% of their field right out of college so they don’t have to worry about it.

At least that’s what I read.
and you buddy boyo are not that 1%
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post 1546767771 03-18-2018, 04:36 PM
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#103
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Originally Posted By PeaceWithin⏩
How do you figure that a wife and kiddo would tear through that $1200 so badly?
Easy boyo.

Add in her 400/mo car payment, her food, your kids' food, kids' clothes, dumb female spending, her student loans, her CC debt, increased utilities, the cost of having to put spouse and dependents on your healthcare plan... easily over 1,200.

My future wife better work. The cost of living is too high to keep the man only having income lifestyle.
CountryMike Appreciation Crew
post 1546768521 03-18-2018, 04:46 PM
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#104
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If you arent a slave to materialism and consumerism you'll always be just fine.
post 1546768611 03-18-2018, 04:47 PM
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#105
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Originally Posted By xLGx⏩
Easy boyo.

Add in her400/mo car payment, her food, your kids' food, kids' clothes,dumb female spending, her student loans,her CC debt, increased utilities, the cost of having to put spouse and dependents on your healthcare plan... easily over 1,200.

My future wife better work. The cost of living is too high to keep the man only having income lifestyle.
Or just pick a better future wife lmao. Bolded the problems there... Wtf are you doing with a $400 car payment?
MISC Blood Drive (MOD REPS): https://forum.obnoxiousbrutes.com/showthread.php?t=175220881

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post 1546768961 03-18-2018, 04:51 PM
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#106
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Originally Posted By PeaceWithin⏩
Or just pick a better future wife lmao. Bolded the problems there... Wtf are you doing with a $400 car payment?
A $400 car payment is pretty standard. And even if she doesn't have a car payment, you still have to pay insurance on whatever the hell she's driving.

Also, that's still not even the worst of it. Just adding a wife and a kid to a health insurance plan will easily be 600-1,000 deducted out of your paycheck. Compared to being free if it's just you.
CountryMike Appreciation Crew
post 1546769131 03-18-2018, 04:54 PM
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#107
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Originally Posted By xLGx⏩
A $400 car payment is pretty standard. And even if she doesn't have a car payment, you still have to pay insurance on whatever the hell she's driving.

Also, that's still not even the worst of it. Just adding a wife and a kid to a health insurance plan will easily be 600-1,000 deducted out of your paycheck. Compared to being free if it's just you.
Hmm. We drive older cars but we own them, which is a tradeoff I will always be fine with. I always forget how badly health insurance and benefits can chit on people since I work at a hospital and adding them was like... $90/month extra lol. Good points, need to realign my perspective.
MISC Blood Drive (MOD REPS): https://forum.obnoxiousbrutes.com/showthread.php?t=175220881

Start: B-175/S-185/D-185/OHP-95
Current:B-335/S-365/D-365/OHP-215
Goals: B-365/S-405/D-495/OHP-225
post 1546769431 03-18-2018, 04:56 PM
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#108
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Originally Posted By PeaceWithin⏩
Hmm. We drive older cars but we own them, which is a tradeoff I will always be fine with. I always forget how badly health insurance and benefits can chit on people since I work at a hospital and adding them was like... $90/month extra lol. Good points, need to realign my perspective.
I'll admit, I'm a financially conservative guy, but I do treat myself to more expensive cars since I can afford it. For those who buy used and go years without car payments, hats off to you - very smart.

The worst is for teachers. I worked with a former teacher who had 1,400 deducted from her paycheck for adding her entire family on there. As if teachers weren't already underpaid.

Morale of the story is people start families without being financially ready for it, because reality is, families are a heavy financial burden.
CountryMike Appreciation Crew
post 1546769771 03-18-2018, 05:00 PM
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#109
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Originally Posted By shoelaces⏩
Seattle. It's not even an "expensive" city like NYC or SF but rent and utilities alone would burn through the majority of that $45k.

I seriously don't know how bruhs in NYC do it honestly unless they are living in the ghetto areas.
Seattle has had one of the fastest rises in house/rent prices in recent times.

Portland checking in also a silky cost of living here I made 43k last year and the wife made 38k and still feel broke just renting a two bedroom apartment about 15 mins outside of downtown.
post 1546769961 03-18-2018, 05:02 PM
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#110
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I don't care how much or little you make, if you don't know how to spend it, you can go broke and be miserable fast. Retards on the Misc talking about how 100K "ain't chit", but they are basically saying they have wine taste and beer budgets. Guy on here showing a breakdown of how $200K can barely make it by.... then post where someone is living a rather lavish lifestyle, but still managing to have money left over.
post 1546770031 03-18-2018, 05:02 PM
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#111
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The key is having little debt.

My outgoings bar mortgage and bills is around £50 a month.

No car finance no expensive phone etc. I own everything. When I get paid I pay X for the bills and mortgage. Rest is mine. Saving/investing buy something outright in a year.

**** the banks.
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post 1546770941 03-18-2018, 05:14 PM
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#112
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Like the intent of the thread. But I can tell you that without even looking at the replies, by this point in the thread it has already derailed into the exact arguments that you wished to clear up OP

did not read but promise half the thread is:

60K is poverty
LOL if you live in Cali/NYC
I Pull in 250k a year selling cars
etc etc

Best not to compare to people, specifically people on the MISC when it comes down to money.
Whenever someone asks me, I usually just write it off as "Enough to get by" or "Im not gonna starve any time soon" etc.
Phila crew
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post 1546771031 03-18-2018, 05:15 PM
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#113
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Originally Posted By BobLoblawBrah⏩
If you arent a slave to materialism and consumerism you'll always be just fine.
This. my mind is blown that people can't fukken live on $1000 a week and are still broke. Stop buying $5k tv-s and 40k cars that nobody cares about. $1200 a month on rent+bills, $100 a week max on food and $500 for fuel, phone and other expenses. Congrats, you now have $1900 left over per month.

instead of a 5k tv buy a $400 tv that is a couple of years old as used
instead of 40k car buy a $5k bulletproof car that needs no repairs(japanese)
instead of a 2k gaming laptop buy a $500 used laptop that has a generation older cpu but still a dedicated gfx card

etc
post 1546771191 03-18-2018, 05:17 PM
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#114
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Originally Posted By amyloidosis⏩
260k per year is not that good nowadays. U speaking about 56k a year. Lmao
What an idiot you are.
I loe e.
post 1546771571 03-18-2018, 05:23 PM
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#115
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Originally Posted By Schnitzl⏩
This. my mind is blown that people can't fukken live on $1000 a week and are still broke. Stop buying $5k tv-s and 40k cars that nobody cares about. $1200 a month on rent+bills, $100 a week max on food and $500 for fuel, phone and other expenses. Congrats, you now have $1900 left over per month.

instead of a 5k tv buy a $400 tv that is a couple of years old as used
instead of 40k car buy a $5k bulletproof car that needs no repairs(japanese)
instead of a 2k gaming laptop buy a $500 used laptop that has a generation older cpu but still a dedicated gfx card

etc
If you are clearing 1000 per week, you dont have to live like a peasant, either. Who the fukc buys old used TVs or 5k tin can cars making good money?

If you can be happy with that, all the more power to you. But IMO theres a good balance between living totally above or totally below your means. What is the point of working hard for good $$$ if you never spend it on anything and get no enjoyment out of having it? So you can save it all up and buy a decent car when you are 50, instead of now?

I personally dont get that either. With proper budgeting, being frugal, and realistically spending within your means.. you can have nice things like cars, electronics, toys, hobbies, etc, and also not be a broke paycheck to paycheck slave
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post 1546771641 03-18-2018, 05:24 PM
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#116
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OP speaks the truth

don't lower the bar tho

there is well over 300 million people in the US and the average joe isn't sh&t.
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post 1546772861 03-18-2018, 05:39 PM
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#117
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Originally Posted By DirtyDon123⏩
Man those living costs in US must be insane if peeps are struggling on 200k wtf
I live in Los Angeles. No single man I know who makes more than $100k (which is also most of the people I know) is struggling with money. Something like $50k though obviously is a different story.
post 1546773061 03-18-2018, 05:41 PM
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#118
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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.
Not in Canada. Altho we have fake dollars.

Vancouver 100k a year is an alright income... I make far less.

I hate this place
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post 1546773291 03-18-2018, 05:43 PM
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#119
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Originally Posted By amyloidosis⏩
260k per year is not that good nowadays. U speaking about 56k a year. Lmao
If you're single and making 60K in a reasonably affordable city then you should have a very good life. if not, then you're truly a moron or don't know the VALUE of money.
post 1546773301 03-18-2018, 05:43 PM
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#120
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Yes. So many ungrateful chits out there.

However, you should always strive for progression in everything in life. Including job, health, etc.
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Thus unlamented let me die;
Steal from the world, and not a stone
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