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Forum » How the fuk am I supposed to afford a child?
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Thread: How the fuk am I supposed to afford a child?

post 1543180491 02-08-2018, 08:27 AM
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How the fuk am I supposed to afford a child?

Middle class
Wife and I both work
25% Tax bracket
Cant afford a house
Would have to settle for condo with HOA's forever
Trying to make sure we can afford a kid before we have one.

Either would have to pay for child care which would pretty much neutralize my wifes paychecks.

Or keep her home and try to manage on my higher income.

Even then, the cost of a kid is like $12-15k/year, who the fuk has that lying around when the middle class is getting @ssfuked by taxes and health insurance.

The math doesn't work, especially when you are supposed to save for retirement, put away money for college, and also try to save.

Does not compute.
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post 1543180821 02-08-2018, 08:31 AM
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Just have the kid anyways, everyone else does
Entire NYPD should go on strike. You'll see then how quickly the mayor changes his tone.

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post 1543180861 02-08-2018, 08:32 AM
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No the math doesn't work and this is honestly why most people with middle class incomes shouldn't have kids because you shouldn't have kids when you can't afford them. I commend you for realizing that op

Of course that means the only real answer to your question is to move up in your career and make more money
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post 1543180951 02-08-2018, 08:32 AM
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Don't have kids. Ded srs. (I'll always advice that in this day and age)

The world is fukked
post 1543181011 02-08-2018, 08:33 AM
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Get a dog instead
post 1543181051 02-08-2018, 08:33 AM
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Kids are tax write offs for many.
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post 1543181071 02-08-2018, 08:33 AM
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Originally Posted By Lucianus⏩
Don't have kids. Ded srs.
This.
post 1543181131 02-08-2018, 08:34 AM
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If you keep doing math, you'll never be able to afford kid(s)
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post 1543181171 02-08-2018, 08:34 AM
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It really doesn't.

Reminds me of the first 10 minutues of Idiocracy. This smart upper-middle class couple put off having kids due to costs and the economy while all the poor people kept breeding like rabbitts so in the future the entire population was filled with the dumbest people hence Idiocracy. lol.
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post 1543181311 02-08-2018, 08:35 AM
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What are you doing to better yourself?

What are you doing to increase your self-worth?

What are you doing to increase your income?
post 1543181341 02-08-2018, 08:36 AM
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This is what happens when you let banksters run amok.
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post 1543181491 02-08-2018, 08:37 AM
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#12
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The answer cant be not to have a kid.

That's pretty much the sole purpose of life.
I'm 6 months away from paying off my student loans, to go back and take out another $40k for a masters and another 4 years of education is almost foolish, but that seems to be the only way to effectively raise your earning power aside from starting a business and risking all your capital, even then the statistics of success are relatively low.

Seems easier to just quit at life and leech off the government like every one else.
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post 1543181581 02-08-2018, 08:38 AM
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Originally Posted By Aesthetical⏩
The answer cant be not to have a kid.

That's pretty much the sole purpose of life.
I'm 6 months away from paying off my student loans, to go back and take out another $40k for a masters and another 4 years of education is almost foolish, but that seems to be the only way to effectively raise your earning power aside from starting a business and risking all your capital, even then the statistics of success are relatively low.

Seems easier to just quit at life and leech off the government like every one else.
There's 7 billion people here and millions of orphans, at this particular time in human history, it is not our sole purpose of life.
post 1543182181 02-08-2018, 08:44 AM
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Second job time boyo - my pizza better be here in 30 minutes or less.
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post 1543182271 02-08-2018, 08:45 AM
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If you really want kids, downsize somewhere else. Move to a cheaper area. Buy used cars, etc. My wife and I are raising 2 kids on a middle class income and doing just fine (saving for retirement, own a house, go on vacation, etc). I work in the suburbs south of Pittsburgh but we live in a small town 30 miles south of where I work. Our house cost 1/3 of what a house costs near my work. If you want kids and you're not a $10k/day CEO, you'll have to make sacrifices elsewhere.
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post 1543182881 02-08-2018, 08:50 AM
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Originally Posted By Aesthetical⏩
The answer cant be not to have a kid.

That's pretty much the sole purpose of life.
I'm 6 months away from paying off my student loans, to go back and take out another $40k for a masters and another 4 years of education is almost foolish, but that seems to be the only way to effectively raise your earning power aside from starting a business and risking all your capital, even then the statistics of success are relatively low.

Seems easier to just quit at life and leech off the government like every one else.
Strong logic

Does math, doesn’t like answer, disregard math
post 1543182961 02-08-2018, 08:51 AM
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Originally Posted By Lucianus⏩
There's 7 billion people here and millions of orphans, at this particular time in human history, it is not our sole purpose of life.
It's the sole purpose of life itself, biologically speaking. Natural Selection says we need to eat, hunt and fukk. Humans have just created more modern means of doing so. As Dr. Ian Malcolm says in Jurassic Park, "Life always finds a way."

If you yourself don't want to have a kid. That's great. Keep doing you. If you really want to have a kid. Do something about it.
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post 1543182991 02-08-2018, 08:51 AM
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Should make atleast 300k+ before having a kid
ok
post 1543183301 02-08-2018, 08:53 AM
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People who no jobs are making kids. OP you'll be fine.
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post 1543183481 02-08-2018, 08:56 AM
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Learn to budget.

Your wife already has a house so why do you need a condo?
Cut back on BS you waste money on.
Daycare can be expensive unless you shop around or she finds a job to work weekends.
Quit getting stupid fuking degrees, you're already in the hole from your initial degree so why add another $40K when you're still working the **** job you got post college.
Don't listen to the in the closet ******* and movie quoting *******s, if you want a kiddo man up and make it work...stop crying and act like a man.

MOST NOT ALL people saying don't have kids or they don't want them are coping from their own misfortunes.
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post 1543183501 02-08-2018, 08:56 AM
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Originally Posted By .:Chris:.⏩
People who no jobs are making kids. OP you'll be fine.
Originally Posted By Aesthetical⏩
Seems easier to just quit at life andleech off the government like every one else.
...
no homo
post 1543183651 02-08-2018, 08:57 AM
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Originally Posted By iloveus⏩
It's the sole purpose of life itself, biologically speaking. Natural Selection says we need to eat, hunt and fukk. Humans have just created more modern means of doing so. As Dr. Ian Malcolm says in Jurassic Park, "Life always finds a way."

If you yourself don't want to have a kid. That's great. Keep doing you. If you really want to have a kid. Do something about it.
Unless there's a huge paradigm shift and as a global community, we change our rate of consumption, the world is seriously gonna be ****ed up. I feel having a child is much more hassle than it's worth and is not fair on the child.
post 1543184001 02-08-2018, 09:02 AM
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Originally Posted By Jax05⏩
If you keep doing math, you'll never be able to afford kid(s)
This. average income here. My kids are the best thing in my life. Im 34 and just now starting to save for retirement. Sure i could have saved and a done a lot of things sooner but i wouldn't have my kids.
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post 1543184531 02-08-2018, 09:07 AM
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#24
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Originally Posted By iloveus⏩
It's the sole purpose of life itself, biologically speaking. Natural Selection says we need to eat, hunt and fukk. Humans have just created more modern means of doing so. As Dr. Ian Malcolm says in Jurassic Park, "Life always finds a way."

If you yourself don't want to have a kid. That's great. Keep doing you. If you really want to have a kid. Do something about it.
You're talking about wild animals and back when we were hunter-gatherers and had to pop out 14 kids because 12 of them would die from disease, the elements, warring tribes, and predatory animals. Now days, not so much. Modern man has broken through that biological barrier. If 2 billion women decided they didn't want o have kids, there would still be "billions" of people on this planet. Its hard to conceptualize how large of a number that is but its really quite staggering when you consider how large of an animal we are. Its not that big of a deal when you hear about a billion sparrows or a billion ants, but a billion humans is a LOT Of phuckin humans (figuratively and literally).

When animals go into "heat" or when people get horny its not because they want to pop out offspring, its because they want to release that sexual energy, a kid or a pup or a calf or whatever animal it is, is just the result of having sex.
post 1543184631 02-08-2018, 09:09 AM
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post 1543184771 02-08-2018, 09:10 AM
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Originally Posted By NS1234⏩
...
They're not wrong. Depending on where you live you can get as much as $5k from the government per child.
post 1543184811 02-08-2018, 09:11 AM
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Make more money.
Find a wife that wants to be a stay at home mom and would actually do a good job at it.
Live a nice happy life like 1950s America and watch the world around you burn.
post 1543184921 02-08-2018, 09:12 AM
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I wouldn't even entertain the thought of grad school if I had to pay out of my own pocket, let alone take a loan while trying to have a kid.
#
post 1543185151 02-08-2018, 09:14 AM
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Originally Posted By FriendOfFrank⏩
Make more money.
Thats not a surefire solution to his problem. If he makes more money then he'll be placed in a higher tax bracket and could potentially get taxed at an amount that would place his income LOWER than where he's currently at.
post 1543185211 02-08-2018, 09:15 AM
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The key is to get divorced and then have a kid, reap the single mom benefits like everyone else i know
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