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Forum ยป When did you realize $100k was lower middle class
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Thread: When did you realize $100k was lower middle class

post 1568397001 12-11-2018, 04:01 PM
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#121
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Originally Posted By Podunks⏩
I wonder if they start valuing free/family time more, thus putting in less effort/fewer hours. However, that's just my assumption.
This is known as the consumption/leisure trade off. As people attain higher levels of income they purchase more merit goods (housing, health care) in higher proportion to their income, but leisure time is the ultimate merit good.

Conversely, and cojnterintuitively to supply/demand economics, people on lower hourly incomes sell more of their labour despite the lower price, as they have to work longer hours to attain basic standards of living.

For proof on the second point, Just ask that little skateboard kid putting in overtime as the hospital janitor.
Originally Posted By ashin1⏩
lmao @ alimony


literally one of my biggest fears.
Lol inb4 some methhead tries to take little skateboard p for one of his trailers, only to find out itโ€™s owned by the bank

Pffft who am I kidding. Methheads cant afford lawyers.
post 1568397281 12-11-2018, 04:04 PM
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#122
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Middle class is pretty good.
Permanent reminder that MBisonSon is a fgt => https://forum.obnoxiousbrutes.com/showthread.php?t=181456073
Permanent reminder of his cowardly and embarrassing response => https://forum.obnoxiousbrutes.com/showthread.php?t=181466023 (if this link is dead, the cuckening is complete)
post 1568397361 12-11-2018, 04:05 PM
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Originally Posted By MrAWatts⏩
Median Income... LMAO. But who was mediocrity
Damn people are poor af
post 1568400041 12-11-2018, 04:36 PM
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#124
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I dont care. As long as I am happy, i dont really care about who makes how much money or has whatever stuff.
"To be a warrior is not a simple matter of wishing to be one. It is rather an endless struggle that will go on to the very last moment of our lives. Nobody is born a warrior, in exactly the same way that nobody is born an average man. We make ourselves into one or the other."-- Carlos Castaneda
post 1568401941 12-11-2018, 04:58 PM
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#125
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That's a pretty big generalization. I make a little under that, and almost have more money than I know what to do with. That being said I live in a medium sized city (which has it's benefits) don't have any car payments to make, and am single.

Apparently 99 percentile for my age according to a random internet graphic though. Feelsgood.
post 1568406961 12-11-2018, 05:59 PM
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Originally Posted By sword_⏩
90th Percentile. Feels good being at the top boyo.
I made >100k when i was 23 what percentile is that?

no degree (diploma program haha)

asian millennial
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post 1568407341 12-11-2018, 06:04 PM
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#127
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Originally Posted By MrAWatts⏩
Just checked and I am 3%. Feelsgoodman
You're a 2 percenter overall
You're a 1 percenter among white millennial men with a bachelor's degree
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post 1568407691 12-11-2018, 06:09 PM
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Originally Posted By greenleaf⏩


https://www.visualcapitalist.com/ame...-by-age-group/
99.9999 percentile

22 and about to make $180k this year.

Get on my fukking level *******s

Sales manager, no fraud.
post 1568408031 12-11-2018, 06:13 PM
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#129
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Originally Posted By TheManlyMan⏩
99.9999 percentile

22 and about to make $180k this year.

Get on my fukking level *******s

Sales manager, no fraud.
100th percentile

1 year old

4 billion a year

President of Earth.
post 1568408881 12-11-2018, 06:25 PM
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#130
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Originally Posted By MrAWatts⏩
LOL at 325K house, must be a real fixer upper. Maybe if you work hard you can get out of the hood. And me saying 100K is poverty is just stating facts and has nothing to do with my own spending. Enjoy being at the poverty line boyo!
C O P E
O
P
E

Bro you just got burned by a guy that cant even afford to eat from the dumpster behind the supermarket
post 1568409331 12-11-2018, 06:31 PM
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#131
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Originally Posted By crupiea⏩
I dont care. As long as I am happy, i dont really care about who makes how much money or has whatever stuff.
This. Beyond comfort and security you just need a little more for some fun. Chasing more than you need ain't worth it.
The closer we approach the uncertainty of life's ending the more we wish to trade all of the things we have acquired in exchange for all of the things we have lost: wealth for youth, knowledge for fresh curiosity, resignation for hope. We'd trade our wisdom for new experiences, but it is wisdom that will teach us that at the end of the road the only new experience is death.
post 1568409401 12-11-2018, 06:32 PM
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#132
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Originally Posted By dbluevette⏩
I'm in the top 2% according to the Wall Street Journal calculator.

http://graphics.wsj.com/what-percent/
TFW you need to pull in $600k to make the top 2% in my sex/generation/race/education
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post 1568409481 12-11-2018, 06:33 PM
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#133
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Originally Posted By MrAWatts⏩
If you buy a car expecting it to be an asset anyways you're a fukking retard. Not everyone is so poverty that they have to worry about that brah
Wait.....you have 2 cars, one of which has 50% depreciation after ~3 years, you pay alimony, and you rent an apartment?

You've got to be kidding....and you are bragging?

Bruh, if you are making the money you claim, you should be BUILDING wealth, right now you are pisssing it away. The owner / investors of the building you are in say "Thank you"
post 1568409631 12-11-2018, 06:35 PM
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#134
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Originally Posted By CulturalDecay⏩
Wait.....you have 2 cars, one of which has 50% depreciation after ~3 years, you pay alimony, and you rent an apartment?

You've got to be kidding....and you are bragging?

Bruh, if you are making the money you claim, you should be BUILDING wealth, right now you are pisssing it away. The owner / investors of the building you are in say "Thank you"
this is typical behavior of new money.


OP should PM me so he can learn about getting himself some old money. I am seriously willing to put this *******'s trolling aside to help him learn to max his potential.
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post 1568409841 12-11-2018, 06:38 PM
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#135
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Oh look, it's op talking about money again.....

With the money he supposedly makes you'd think he'd be outdoors having fun, instead here we are.
300 Forever
post 1568412501 12-11-2018, 07:11 PM
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#136
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Originally Posted By ashin1⏩
this is typical behavior of new money.


OP should PM me so he can learn about getting himself some old money. I am seriously willing to put this *******'s trolling aside to help him learn to max his potential.
For real - trolling aside, this Mr. AWatts fellow doesn't understand the money he has wasted on his nice city apartment, cars, and whatever other toys / dinners / going to bars could have been invested and generating serious returns.

Dead SRS AWatts - if you make $180k or whatever you claim, your first step needs to be buying a single family home. Now is a good time to buy, the FED is projected to raise interest rates 3 times in 2019, and prices in the hottest markets have flattened out a bit or gone down a tad, perfect time to negotiate a favorable deal with a motivated seller and get your interest rate locked in NOW before the fed raises rates another ~1.25% (This represents a LOT of money in interest over 30 years!!!) Also do NOT live downtown in a high-rise, you'll get hit by HOA fees which you can never recoup, and on top of that condos are always the most vulnerable to downturns in the markets since they are typically first-time buyers, lower income, and more financially vulnerable to financial downturn. Get a house and you will immediately have an ASSET that you will start building equity in, you can rent out extra rooms for passive income, probably pay less (after u have tenants) than you pay monthly for your apartment, and best of all (in my opinion) you get MAJOR tax advantages for owning, and most (or maybe all) of the interest you pay on your loan is tax deductible, your property tax is also deductible.

That's how you build wealth - what you are doing now is being a fake baller
post 1568412871 12-11-2018, 07:14 PM
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#137
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Originally Posted By CulturalDecay⏩
For real - trolling aside, this Mr. AWatts fellow doesn't understand the money he has wasted on his nice city apartment, cars, and whatever other toys / dinners / going to bars could have been invested and generating serious returns.

Dead SRS AWatts - if you make $180k or whatever you claim, your first step needs to be buying a single family home. Now is a good time to buy, the FED is projected to raise interest rates 3 times in 2019, and prices in the hottest markets have flattened out a bit or gone down a tad, perfect time to negotiate a favorable deal with a motivated seller and get your interest rate locked in NOW before the fed raises rates another ~1.25% (This represents a LOT of money in interest over 30 years!!!) Also do NOT live downtown in a high-rise, you'll get hit by HOA fees which you can never recoup, and on top of that condos are always the most vulnerable to downturns in the markets since they are typically first-time buyers, lower income, and more financially vulnerable to financial downturn. Get a house and you will immediately have an ASSET that you will start building equity in, you can rent out extra rooms for passive income, probably pay less (after u have tenants) than you pay monthly for your apartment, and best of all (in my opinion) you get MAJOR tax advantages for owning, and most (or maybe all) of the interest you pay on your loan is tax deductible, your property tax is also deductible.

That's how you build wealth - what you are doing now is being a fake baller
qft

If you are sharpe enough to make 180k op then please do yourself a favor and take this post serious
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post 1568412891 12-11-2018, 07:14 PM
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#138
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Originally Posted By CulturalDecay⏩
For real - trolling aside, this Mr. AWatts fellow doesn't understand the money he has wasted on his nice city apartment, cars, and whatever other toys / dinners / going to bars could have been invested and generating serious returns.

Dead SRS AWatts - if you make $180k or whatever you claim, your first step needs to be buying a single family home. Now is a good time to buy, the FED is projected to raise interest rates 3 times in 2019, and prices in the hottest markets have flattened out a bit or gone down a tad, perfect time to negotiate a favorable deal with a motivated seller and get your interest rate locked in NOW before the fed raises rates another ~1.25% (This represents a LOT of money in interest over 30 years!!!) Also do NOT live downtown in a high-rise, you'll get hit by HOA fees which you can never recoup, and on top of that condos are always the most vulnerable to downturns in the markets since they are typically first-time buyers, lower income, and more financially vulnerable to financial downturn. Get a house and you will immediately have an ASSET that you will start building equity in, you can rent out extra rooms for passive income, probably pay less (after u have tenants) than you pay monthly for your apartment, and best of all (in my opinion) you get MAJOR tax advantages for owning, and most (or maybe all) of the interest you pay on your loan is tax deductible, your property tax is also deductible.

That's how you build wealth - what you are doing now is being a fake baller
Why are miscers so obsessed with owning a home. I rent and invest. My allocation is not overweighted in real estate equity.

Let me put it another way, why do you think real estate will grow faster than the S&P500?
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post 1568413861 12-11-2018, 07:26 PM
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#139
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in on income trolling thread
post 1568414841 12-11-2018, 07:36 PM
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#140
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Originally Posted By Bar182⏩
100th percentile

1 year old

4 billion a year

President of Earth.
Just bc you canโ€™t do it doesnโ€™t mean others canโ€™t. There are 22 year olds that are self made millionaires. Iโ€™m only making around 180k, up from 129k last year. Only because Iโ€™m really good at sales and managing sales people.
post 1568416741 12-11-2018, 07:59 PM
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Originally Posted By TheManlyMan⏩
Just bc you canโ€™t do it doesnโ€™t mean others canโ€™t. There are 22 year olds that are self made millionaires. Iโ€™m only making around 180k, up from 129k last year. Only because Iโ€™m really good at sales and managing sales people.
lol wtf are you talking about. I was clearly making fun of miscers who feel the need to pound their chests about their salary.
post 1568417211 12-11-2018, 08:06 PM
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#142
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mr. a watts, lives in a low cost of living area while bragging about making $200k. does some social media bullchit that contributes nothing to society while doctors save lives, make way more money, and don't brag. the life of a low intellect, high-income person. constant need for validation because he doesn't have a fulfilling, intellectually-demanding career.
post 1568417931 12-11-2018, 08:18 PM
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#143
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College internship. Saw the life of typical engineercels rolling up in camrys eating lunches packed by their fat wives
6โ€™1
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Raw dog or no dog crew
post 1568418351 12-11-2018, 08:23 PM
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#144
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@op how much do you make per year after taxes?
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post 1568418641 12-11-2018, 08:27 PM
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Originally Posted By GrammarNaziM8⏩
@op how much do you make per year after taxes?
Nets ~35 income threads per year
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post 1568418861 12-11-2018, 08:33 PM
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#146
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When I saw how much they actually keep



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post 1568419841 12-11-2018, 08:47 PM
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#147
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Originally Posted By Luc1fer⏩
Why are miscers so obsessed with owning a home. I rent and invest. My allocation is not overweighted in real estate equity.

Let me put it another way, why do you think real estate will grow faster than the S&P500?
You know what leverage is right? 20% down on a home puts you in a highly levered position. Even 4-5% annual growth is some big returns on RE.

Sure you can leverage yourself in the S&P too, but most passive investors certainly arenโ€™t whereas homeowners inherently are, unless theyโ€™re buying in all cash.
post 1568419951 12-11-2018, 08:49 PM
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#148
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Originally Posted By allianc3⏩
You know what leverage is right? 20% down on a home puts you in a highly levered position. Even 4-5% annual growth is some big returns on RE.

Sure you can leverage yourself in the S&P too, but most passive investors certainly arenโ€™t whereas homeowners inherently are, unless theyโ€™re buying in all cash.
Arenโ€™t you paying for that leverage in the form of your mortgage interest rate?

Itโ€™s still an investment in RE, hopefully it grows quicker than the borrowing rate.
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post 1568420031 12-11-2018, 08:50 PM
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#149
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It really doesn't matter how much money you make, if you have a spending problem, you'll always be broke.
post 1568420241 12-11-2018, 08:52 PM
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When I started buying quality organic foods and living on my own vs having roommates.

Brb making 100k but saving less than I did on 50k when I had 2 roommates and lived on Costco groceries. That being said I also barely ever ate out and didn't have nice things or go places.
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