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Forum » One-Third of Americans Making $250,000 Live Paycheck-to-Paycheck, Survey Finds
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Thread: One-Third of Americans Making $250,000 Live Paycheck-to-Paycheck, Survey Finds

post 1662224503 06-01-2022, 11:58 PM
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Originally Posted By TugOfPeace⏩
bruh what are you spending your money on where five jobs isn't enough? you working at mcdonalds, home depot, and burger king?
I’m partial owner of a big gym and do 30 hours making 6 figures and also sell mattresses 35-40 hrs as well making 6 figures there and rent out property/housing

I make over 250 just myself and my girl about 200


I have plenty of $ and assets/nice things, but nowhere where I should be if it was 2-3 years ago.


I should be on my 3rd house at least but not anymore

Went from 240k to 500-550k and lots of dead beat renters moving into austin area











I don’t live paycheck to paycheck but again Im saying the time we will live in 250k is not a lot, I can’t imagine running a wife who doesn’t work and 2-3 kids, no Fukn way.

I’d be revolting against the elites if I was there
Eating "clean" doesn't mean eating "healthy"

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post 1662224633 06-02-2022, 12:04 AM
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Reminds me of myself. Lol. Making 120k but can't save for shi
post 1662234253 06-02-2022, 07:41 AM
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$250k is a ton of money in my world. I'm invoicing about $21k/month on the current contract and the money just piles it because it has nowhere to go.

Accumulation of assets + $200k income long term is to the point where you don't even need to think about daily expenses IMO. If you have deeper six and into seven figures invested or otherwise floating around, $100 extra on food and $200 extra on gas is pretty inconsequential. Now if you're out dropping thousands on partying then it's a different story, but you'd be hard pressed to erode that type of income with regular expenses even if they get a bit out of control

You can easily erode $200k income with financing lots of toys for high interest rates tho. Or if you live in a financial center with really high cost of living maybe
post 1662234503 06-02-2022, 07:46 AM
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Originally Posted By SoutheastBeast1⏩
40k is the new $40
Damn, I should be on suicide watch now
post 1662234723 06-02-2022, 07:52 AM
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Your tastes get more luxurious as you make more money SRS
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post 1662234863 06-02-2022, 07:55 AM
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I make ~100 and live like a peasant. Financial security is worth more than any luxury item imo. Spend my $$$ on home cooked food, traveling on occasional, and save the rest.
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post 1662234883 06-02-2022, 07:55 AM
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Originally Posted By Olympia2018⏩
and also sell mattresses 35-40 hrs as well making 6 figures there
tell me more about this six figures selling mattresses - is this at a typical mattress store or something different?
post 1662237553 06-02-2022, 08:51 AM
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Originally Posted By SaviorSelfJT⏩
Just so I understand you, you think someone making 250k doesn’t earn enough to afford an Audi?

If so, you are actually on my page. That 250k isn’t actually all that much
They make enough until they get laid off since they have so savings. Seen it plenty of times. The same guys bragging and boasting like you go broke in a month because they never saved any of it.
post 1662237623 06-02-2022, 08:53 AM
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Originally Posted By SaviorSelfJT⏩
Miscers aren’t being logical

BRB 250k is rich
BRB someone making 250k should live like a normal person if they want to save

Those are contradictory statements, if someone was rich they wouldn’t need to live an average lifestyle to be able to save
100k a year is rich if you are smart with your money. $250k a year is poor if you're dumb.
post 1662238493 06-02-2022, 09:10 AM
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Originally Posted By MyGhettoFantasy⏩
How can you get enough education to warrant being paid $250k a year and still never learn how to create a simple budget?
The budget is created....they just push it to the limit. Most people cant fathom an "emergency" would happen to them and i feel like American culture teaches the "I need it now attitude"
Pretty easy to blow $250k yearly salary on stupid chit.

Im all about balancing waiting then going big. One example.
At $250k I was still driving an old honda accord. Was functional and clean. My colleagues all bought new benzs, escalades, porsche, chit like that.
I invested my extra money and when those investments made money, i went from honda to lambo. now the lambos hold value while the benz is worthless.

People thinkin buying a $30k watch or a $250k lambo is where you blow your money and its not true. Buying the $120k benz that is worth $40k in 5 years is where you blow your money and on top of that, its not incrementally more fun to drive that benz then a honda......so if you go that route.....you better have cash to blow and not even care just for comfort.
post 1662238553 06-02-2022, 09:12 AM
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Originally Posted By McFlavour⏩
sounds like lifestyle creep as you get into the 200s and bad money management
Yup, keeping up with the jones' is a real thing. I saw colleagues buying the big new cookie cutter house. $6k golf carts so they can drive around the neighborhood. ATVs for the deer lease.....etc. Living like you are worth $10 mill when you actually dont have chit but a bunch of depreciating assets
post 1662239313 06-02-2022, 09:27 AM
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No different then most rappers or athletes going broke. Only the smart ones invested when they knew they juice was running out. Examples like Barkley, Alex Rodriguez, etc.
post 1662239913 06-02-2022, 09:39 AM
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This is what I hate the most about America : this "keeping up with the Jones" mentality.

People will literally crawl in debt just to show off and try to impress complete stranger.

BRB getting a car payment that you can't afford
BRB wasting thousands of dollars in disgusting designer clothes
BRB maxxing out your credit cards
BRB showing a lifestyle that is clearly not yours.


I love cars to death but I will never put several thousand of euros into a supercar before securing my house (that means not owing a damn penny to bank), my kids uni tuition fees and a fully stacked retirement plan saving accounts.
post 1662240033 06-02-2022, 09:41 AM
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Originally Posted By HotCheetos⏩
Such a joke. I’m just under 6 figures, wife gets paid much less to have jobs she enjoys. We are in the process of buying a new house that’s $400k, not contingent on my current homes sale because that’s enough income to support both mortgages, 25% down payment, a daily driver for each of us, and fun weekend car and one daily driver and the toy all paid for, the other daily driver was bought 2 months ago. I have a new daily driver on order that I’ll put half of the money down on. I’ll have about $25k left after I buy the new house before I sell my current house. I’ll make about $88k from the equity after selling my current house paying taxes, realtor, etc. I’m not living some crazy lifestyle, but it’s been easy to save the money and we still have fun. Our idea of a vacation is going to a national park or taking a road trip to check out some new restaurants and food though. Can’t imagine making 250k and worrying about money
You probably live in a low COL area. $100k where you live is like earning $300k in a real city.
post 1662240043 06-02-2022, 09:41 AM
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Originally Posted By CityJaeger⏩
This is what I hate the most about America : this "keeping up with the Jones" mentality.

People will literally crawl in debt just to show off and try to impress complete stranger.

BRB getting a car payment that you can't afford
BRB wasting thousands of dollars in disgusting designer clothes
BRB maxxing out your credit cards
BRB showing a lifestyle that is clearly not yours.


I love cars to death but I will never put several thousand of euros into a supercar before securing my house (that means not owing a damn penny to bank), my kids uni tuition fees and a fully stacked retirement plan saving accounts.
I don't know how much of it is really to impress other people rather than a sense of entitlement that they see someone else they believe is in their socio economic bracket has something so they should be able to have it too.

I mean - if you ever make a lot of money and don't drive a nice car or have a big house - people are legitimately shocked
post 1662240053 06-02-2022, 09:41 AM
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Originally Posted By HotCheetos⏩
Such a joke. I’m just under 6 figures, wife gets paid much less to have jobs she enjoys. We are in the process of buying a new house that’s $400k, not contingent on my current homes sale because that’s enough income to support both mortgages, 25% down payment, a daily driver for each of us, and fun weekend car and one daily driver and the toy all paid for, the other daily driver was bought 2 months ago. I have a new daily driver on order that I’ll put half of the money down on. I’ll have about $25k left after I buy the new house before I sell my current house. I’ll make about $88k from the equity after selling my current house paying taxes, realtor, etc. I’m not living some crazy lifestyle, but it’s been easy to save the money and we still have fun. Our idea of a vacation is going to a national park or taking a road trip to check out some new restaurants and food though. Can’t imagine making 250k and worrying about money
Dont see how you can pull all of that off while also maxxing out all of your qualified accounts and also saving in your investment accounts.
post 1662240163 06-02-2022, 09:44 AM
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Yeah I think sacrificing and investing at the front end is key to maximizing your situation regardless of income

Gotta live well below your means and squirrel money away to form the snowball and get it rolling first. After you have a good amount of cash floating around in various things and income-producing assets, then you can lean a bit more into indulging within your means
post 1662240533 06-02-2022, 09:51 AM
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Originally Posted By Destor⏩
Yeah I think sacrificing and investing at the front end is key to maximizing your situation regardless of income

Gotta live well below your means and squirrel money away to form the snowball and get it rolling first. After you have a good amount of cash floating around in various things and income-producing assets, then you can lean a bit more into indulging within your means
This is the formula. Unfortunately most Americans do not understand the process of delayed gratification. And that doesnt mean slaving away for 40 years until you can finally buy something nice.
post 1662242623 06-02-2022, 10:39 AM
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Originally Posted By OliverHeldens⏩
You probably live in a low COL area. $100k where you live is like earning $300k in a real city.
Nah, I live in a suburb of chicago about 30 miles west. Illinois is not cheap.
Originally Posted By donblaximus⏩
Dont see how you can pull all of that off while also maxxing out all of your qualified accounts and also saving in your investment accounts.
I have a pension that is automatically pulled from my paycheck. Again, I just save. The current house I am about to sell I bought when I was making $35k in 2007, had to take out a 2nd mortgage because I had no down payment even. I paid off the 2nd mortgage as fast as I could because the rate was high, if I remember right it was a 15 year and I paid it off in maybe 6. I could have upgraded 8+ years ago, but was happy with everything until I found a house I truly loved. Living in a house that’s about 1,000 square feet when I was making over double when I bought the house made it easy to save. I haven’t changed my life style since I started working because I’m happy with my life. Literally the only things I cared about was eventually a nicer daily driver and a house I loved. Wanted to make sure I had the house first so I could sell mine and use the equity for a big down payment on the new vehicle along with upgrades to the new house.

Living for 17 years like you are making $35-40k because you’re still having a great time without spending a ton of money makes it easy to do what I just explained.
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post 1662242853 06-02-2022, 10:44 AM
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Originally Posted By truesteez⏩


here's for 500k

this is the dumbest fking chit ive ever seen and cant troll if its trolling ded fkn srs
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post 1662242943 06-02-2022, 10:46 AM
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Originally Posted By MyGhettoFantasy⏩
How can you get enough education to warrant being paid $250k a year and still never learn how to create a simple budget?
Education != Self Discipline
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post 1662243353 06-02-2022, 10:58 AM
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This isn't surprising. It seems like every idiot has one of those stupid $40-$60k side by sides, along with their $90k raptor or $100k TRX to tow it around. Then there are the sensible ones that tow with their $75k 3/4 ton, but they need that for their boat and 4 jetskis, a gas truck wouldn't do it.
Mileage doesn't matter though, they'll just drive one of the Tesla's to work. Poor people will have a 3 and Y, but if you want to let people know whats up, you need a S and X.
And why make food at home when door dash can bring it at a 3x mark up? Gives me more time to fuk around in VR and online gambling.


brb where did my money go?
post 1662244573 06-02-2022, 11:20 AM
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#83
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I've never met someone making 6 figures a year that didn't feel entitled to luxury items (cars, houses, new bathrooms, kitchens with fancy counters, etc.) That's why a huge percentage live paycheck to paycheck.
This fool's running a Honda 2000
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post 1662244983 06-02-2022, 11:26 AM
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Originally Posted By TugOfPeace⏩
what a failure at money management to not be able to save making quarter million/year
This.


Idiots doing everything they can to live above their means.
Originally Posted By MyGhettoFantasy⏩
Smart. You're way ahead of the curve.

My wife and I saw some clip on YouTube where someone alleged financial guru did some calculation to make the claim that on $100k a year you can afford a $700k house. We both looked at each other and laughed, thinking "there is no way anyone believes that ****."

Then you see articles like this. Smh lol.
Reminds me of when I get approved for my first home loan (never bought). I was making 80k and got approved for a 500k loan. Agent told me if we needed to push it “a bit” to like $550k because I found my dream house we probably could.

I literally laughed. Guy has my salary and job info. He must have been in there smoking meth. Do people actually do that?


I was trying to find something for under 300k.

I just got a huge raise by leaving my company. Still looking for something around 300k
post 1662250843 06-02-2022, 01:23 PM
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Originally Posted By eternalnoob⏩
You're just bad with money. Plain and simple. Making $250K a year doesn't mean anything if you waste it all on dumb chit.

Might as well work at McDonalds.
You are 52. You likely have your home paid off. What do you retirement accounts look like? I’m maxing my 401k, HSA, and capped out the $20k max my wife and I could buy in Ibonds. I never said I couldn’t save since I am obviously doing that. Where is the dumb shyt spending you seem to think I have? All I said was it goes quick. $250k today is nothing like $250k 10 or 20 years ago I would imagine.
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post 1662253873 06-02-2022, 02:18 PM
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Originally Posted By HotCheetos⏩
Nah, I live in a suburb of chicago about 30 miles west. Illinois is not cheap.

I have a pension that is automatically pulled from my paycheck. Again, I just save. The current house I am about to sell I bought when I was making $35k in 2007, had to take out a 2nd mortgage because I had no down payment even. I paid off the 2nd mortgage as fast as I could because the rate was high, if I remember right it was a 15 year and I paid it off in maybe 6. I could have upgraded 8+ years ago, but was happy with everything until I found a house I truly loved. Living in a house that’s about 1,000 square feet when I was making over double when I bought the house made it easy to save. I haven’t changed my life style since I started working because I’m happy with my life. Literally the only things I cared about was eventually a nicer daily driver and a house I loved. Wanted to make sure I had the house first so I could sell mine and use the equity for a big down payment on the new vehicle along with upgrades to the new house.

Living for 17 years like you are making $35-40k because you’re still having a great time without spending a ton of money makes it easy to do what I just explained.
But what about your wife? thats $16k + $5500 for an IRA for her. You can also contribute to an IRA. Thats $25k that you arent saving in tax deferred accounts right now. Why?
post 1662254033 06-02-2022, 02:23 PM
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This is the product of totalitarianism. The welfare state, unemployment, Medicaid/Medicare…they plan to do what boomers did, live off of government handouts when they retire. They have been taught that these things are their “right”. This weak mindedness leads to irresponsible behavior
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post 1662254223 06-02-2022, 02:27 PM
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Originally Posted By RobParks2M⏩
You are 52. You likely have your home paid off. What do you retirement accounts look like? I’m maxing my 401k, HSA, and capped out the $20k max my wife and I could buy in Ibonds. I never said I couldn’t save since I am obviously doing that. Where is the dumb shyt spending you seem to think I have? All I said was it goes quick. $250k today is nothing like $250k 10 or 20 years ago I would imagine.
This is facts. I caught that......beccause I have been there. Between taxes, maxing all of your qualified accounts, etc.....its not like $250k is balling by any means. Assuming you are relatively young......I call the $250k range the "in between or make or break" range. This is where its important to be uber focused on that extra change you have lying around. You have to make smart investments with that money to get you to the next level. Is it real estate? A seperate business venture (whether hands on or silent), do you just put it in the market like your tax deferred acccounts? Put in market with more aggressive growth stocks? There are tons of ways to invest or blow that money. What happens next either puts you in the "comfortable" range or the "living pay check to pay check with a nice car range"
post 1662254303 06-02-2022, 02:29 PM
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We are a nation of overly privileged fuks
post 1662254313 06-02-2022, 02:29 PM
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This is the range where you get absolutely destroyed by taxes.
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