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Forum » Tours Over misc. $100k salary = broke
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Thread: Tours Over misc. $100k salary = broke

post 1628128733 01-10-2021, 11:33 AM
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Originally Posted By DrewDarden⏩
Yeah I think we're just having a problem with the definition of broke.

If broke means having only $12,000 left over every year after everything is paid for (including vacations, savings, etc.) instead of having, say, $100,000 left over, then what the hell are we talking about?

Butbrokeandnot richare two different things.
no thinks 100k is rich, its a comfortable professional wage, thats it.

rich is north of 500k a year in my opinion
post 1628129183 01-10-2021, 11:36 AM
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You aren’t getting 1k mortgage that isn’t a **** hole , but you also shouldn’t have a car payment like that especially with that salary



Also “broke” but still taking out savings, going out, and vacations. Uhhh that’s not broke, that’s the extra stuff you should spend on



I lived in beachfront in Lincoln park Chicago out of college on almost half the salary in the vid and had no problem saving, dating, doing whatever.

Vids like these are idiotic
post 1628129203 01-10-2021, 11:37 AM
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Originally Posted By climberbrah⏩
no thinks 100k is rich, its a comfortable professional wage, thats it.

rich is north of 500k a year in my opinion
I think you read that wrong.

I already suggested that 100k is not rich. But it's also not broke.
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post 1628129453 01-10-2021, 11:39 AM
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Originally Posted By P51⏩
Lol at the idiots who agree with this video.

- That mortgage is actually really low for someone who makes 100k. That translates to about a 200k home.
- Only a moron pays $530 for a car payment
- $440 health insurance for a SINGLE person? Maybe if you were working in a sweat shop in China. Most places are around $150 a month
- Eh retirement is probably low actually
- $390 a month in student loan debt? Borderline stupid
-$500 a month in groceries for a SINGLE person?
- $250 in utilities? Awfully high for a 200k home.
- $150 for cable/internet - probably right
-$150 for one cell phone? They don't even offer single plans that high anymore
- $200 in gas? That comes out to driving3,000 miles per month
- $400 date night? Pricey for sure
- $120 in car insurance is reasonable


And before anyone says this isn't for single people!1111!! Then its more than 100k of income you potato.
You ain’t a bodybuilder if you think $500 groceries a month is unreasonably high
post 1628129543 01-10-2021, 11:40 AM
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Originally Posted By Anachron⏩
Right. You might want to look at your numbers again.

https://goodcalculators.com/us-salar...fornia/100000/
It's usually tax refundcels
post 1628129763 01-10-2021, 11:42 AM
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Originally Posted By Anachron⏩

-feel average
-$18000 a year on vacations, $500/month food per person, 3 brand new cars, 1.5m home, $42k in childcare + $12k in bonus activities for kids.

whoever wrote that should hang themselves.
post 1628130023 01-10-2021, 11:45 AM
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Originally Posted By rectifryer⏩
I didn't even click on the thumbnail when I saw 1000/month mortgage for 100k/yr. You just know they're up to asshattery in the numbers after that.
Why? I'm buying a house in 2021 and my mortgage target is below $1,200/month.

An average 3/2 or 4/2 is all me and my family need, just because I make 3 or 4 times the median household income doesn't mean I need 3 or 4 times the house.
post 1628130073 01-10-2021, 11:45 AM
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Originally Posted By Anachron⏩
He posted 38% taxes on his income.

Link says 28%.
Not if you divide by taxable instead of gross.
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post 1628130193 01-10-2021, 11:46 AM
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Originally Posted By Anachron⏩
He posted 38% taxes on his income.

Link says 28%.
Right, but withholding is generally above effective tax rates after exemptions/std deduction unless you make the proper selections on your W4 to align. So my guess is unless he is just confused that he is getting that difference back as a refund instead of just getting it on his paychecks like he should.
post 1628130533 01-10-2021, 11:49 AM
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lmao
See user title srs
post 1628130563 01-10-2021, 11:49 AM
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Originally Posted By bov188⏩
$530/mo car payment and a $3000 vacation every year. Deserves to be broke
$530 isn't even a crazy expensive car payment and $3k for an entire year of travel is small too. Theres no point in even trying to earn a lot of money if you literally don't intend to enjoy it. What do you do, stare at the wall and drink beer all day every day? Must be a dull life.
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post 1628130643 01-10-2021, 11:50 AM
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Originally Posted By soaponarope1⏩
Why? I'm buying a house in 2021 and my mortgage target is below $1,200/month.

An average 3/2 or 4/2 is all me and right family need, just because I make 3 or 4 times the median household income doesn't mean I need 3 or 4 times the house.
Your all in cost will be far more than that $1,200 buddy
post 1628131063 01-10-2021, 11:54 AM
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Didn't need to watch a stupid af video like that to tell you I make close to that and im the furthest fkin thing from broke

If you have 6 kids a gold differ wife and spend your money on useless sh*t then its a different story
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post 1628131933 01-10-2021, 12:01 PM
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Originally Posted By meanstringbean⏩
Your all in cost will be far more than that $1,200 buddy
Why's that? My previous house was 185k with a $1,050 payment including escrow for taxes and insurance. It was an 1800 sqft new construction 3/2.

Interest rates are slightly lower now. Also 0 down VA loan with no funding fee.
post 1628133143 01-10-2021, 12:11 PM
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My mortgage is legit double that, and I'm not even in an area with particularly high cost of living (but not cheap either)
post 1628134513 01-10-2021, 12:27 PM
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Originally Posted By soaponarope1⏩
Why's that? My previous house was 185k with a $1,050 payment including escrow for taxes and insurance. It was an 1800 sqft new construction 3/2.

Interest rates are slightly lower now. Also 0 down VA loan with no funding fee.
Taxes, home insurance, and PMI will put a $1,200 mortgage closer to a 2k monthly payment
post 1628134613 01-10-2021, 12:28 PM
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Originally Posted By AdamGilchrist⏩
why so much CC debt? whoremaxxing?
You know it boyo. Tijuana's an hour's drive away.
Originally Posted By DizzySmalls⏩
Right, but withholding is generally above effective tax rates after exemptions/std deduction unless you make the proper selections on your W4 to align. So my guess is unless he is just confused that he is getting that difference back as a refund instead of just getting it on his paychecks like he should.
Yeah, have never had tax withholdings before, so curious how it's all going to shake out.
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post 1628134893 01-10-2021, 12:31 PM
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Originally Posted By meanstringbean⏩
Taxes, home insurance, and PMI will put a $1,200 mortgage closer to a 2k monthly payment
I would never pay PMI because I'm not a moron.

Anyways, I am aware of taxes and insurance. Sorry that you live somewhere where those 2 items cost $800. In the area I'm buying they're more like $250 total. So for a $200k home I'd be very close to my goal in total payment, which buys a decent 3/2 or 4/2.
post 1628134973 01-10-2021, 12:32 PM
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Originally Posted By meanstringbean⏩
You ain’t a bodybuilder if you think $500 groceries a month is unreasonably high
I agree I think the groceries is accurate. I definitely spend roughly $125/week (4 weeks month). Granted I NEVER eat out so I bet I have a higher grocery bill total than those of you who eat out more (in the end... I save more money on food though)
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post 1628135413 01-10-2021, 12:38 PM
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Didn't read all the posts ITT, or even watch the video, but I see the thumbnail for the list of bills / CoL.

-Brb paid off car so no car payment so $530/mo saved there.
-Brb paid off student loans so no student loan payment so $390/mo saved there.
-Brb paid off cell phone and only pay $50/mo for my plan so $100/mo saved there.
-Brb live near work and don't drive much... even pre-COVID I'd say I paid below $100/mo on gas, so let's just say $100/mo save there.

Live with GF and split too so our rent payments and bill payments are on the cheap. But I won't factor that in...

My car insurance is more expensive than their number though, so I'll take a loss there by like $50/mo.

I'd almost say I don't even spend as much on groceries, and date nights, but there's things I do like platform subscriptions, holiday shopping, birthday shopping, that probably offsets that a bit, so I'll pretend that they're accurate numbers.

So all said and done I'm looking at saving $1070/mo more than what they're talking about. Or $12,840/year. Made ~$97k gross last year, looking at closer to $105k this year 2021.

Anyone with "payments" other than rent/mortgage/bills is a chump.
post 1628135493 01-10-2021, 12:38 PM
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Originally Posted By soaponarope1⏩
I would never pay PMI because I'm not a moron.

Anyways, I am aware of taxes and insurance. Sorry that you live somewhere where those 2 items cost $800. In the area I'm buying they're more like $250 total. So for a $200k home I'd be very close to my goal in total payment, which buys a decent 3/2 or 4/2.
With current interest rates in most scenarios the cost of paying PMI, having a smaller down payment, and investing the difference is actually more financially beneficial than a larger down payment and avoiding PMI

But yea if you’re paying just $250 more it isn’t bad
post 1628137633 01-10-2021, 01:03 PM
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Don't buy a 60k truck on a 100k salary.


Very common.

But honestly, as long as you're saving about 20% who gives a phuk what you do with the rest of your cash. Have to live a little. Sure you could up your savings rate to 50% but it's not worth being miserable for 20 years of a career just to one day hope to retire.
post 1628137943 01-10-2021, 01:08 PM
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Imagine being that bad at budgeting
post 1628139353 01-10-2021, 01:21 PM
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live in a medium cost of living city, problem solved, $100k goes well in my town (2M metro population. not big not small)
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post 1628139983 01-10-2021, 01:26 PM
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You really aren't living well anymore until deep into 6 figures. Everything is so expensive, most people can't build savings unless they live with parents
post 1628140773 01-10-2021, 01:33 PM
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Originally Posted By smashedurgfx10⏩
Didn't need to watch a stupid af video like that to tell you I make close to that and im the furthest fkin thing from broke. I made barely 70k in my 20s and lived pretty well all things considering

If you have 6 kids a gold differ wife and spend your money on useless sh*t then its a different story
100k for a 20 something misc incel would be great, assuming they don't insist on living in a condo downtown in an expensive city

It would be brutal for me since my mortgage, bills, food and other monthly expenses are around 4k, and that wouldn't be great after taxes
post 1628141033 01-10-2021, 01:36 PM
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imagine spending half the amount your mortgage is on car payments.


If anyone lives in a city where a mortgage is 1k with insurance and taxes and still have trouble living off 100k, then they deserve to be a failure
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post 1628141733 01-10-2021, 01:44 PM
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lol, what sort of peasant has a car payment


I only earn $40k, I do just fine






$40k a month... bahahahhaaaa
post 1628142963 01-10-2021, 01:56 PM
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Originally Posted By Gizzyhardcore⏩
$40k a month... bahahahhaaaa
No doubt but in srsness rates are so low right now you can get @2% which is pretty much negligible

Mine is 500 a month and I'm not paying it off because I'm using that money to buy Dogecoin and Twitter shares
post 1628143413 01-10-2021, 02:00 PM
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This makes zero sense. So they say the person making 100k has like 125 in extra income per week. What does the 60k person have then? Negative dollars per week? 100k isn’t average. So basically 50-80k people are homeless now?
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