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Forum ยป Two people making $15/hr can live well in America.
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Thread: Two people making $15/hr can live well in America.

post 1704314311 07-29-2024, 04:27 PM
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#31
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Originally Posted By eddiehaskell⏩
We are talking a couple starting out here working the lowest paying jobs that will have a house, car, full bellies, internet, cell phones, etc -- you expect them to instantly have a large 401k, premium healthcare, large emergency fund, investments and nice cars? that ain't how it works.
The op stats 'live well'. Last i checked, not being able to cover an emergency without having to go into debt isn't living well. 2 people making $15/hr is not living well. It's below average.

And if we're talking about starting off, well you ain't trying if you're starting off at $15. Fastfood pays that now.
post 1704314411 07-29-2024, 04:30 PM
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Originally Posted By MikeLowrrrey⏩
The op stats 'live well'. 2 people making $15/hr is not living well. It's below average.
a young couple that own a home, have a car, plenty of food, internet, cell phones, tv and live in america ARE living well. averages mean nothing here.

and yes, $15 isn't much...i'm simply showing even at the bare minimum of they pay scale they can easily make it. they'd probably be at $20/hr+ in short order with any effort to get ahead.
post 1704314601 07-29-2024, 04:32 PM
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#33
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Originally Posted By eddiehaskell⏩
a young couple that own a home, have a car, plenty of food, internet, cell phones, tv and live in america ARE living well. averages mean nothing here.
You're not getting all of that with 2 $15/hr wages bud. MAYBE in Alabama or Oklahoma. I understand you're saying to save $40,000 but it's never like that. You'll barely make it to $5k, let alone $40,000

One emergency easily wipes out your saving


Your $5000/month is also off. It's actually $4000/month
post 1704314771 07-29-2024, 04:35 PM
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#34
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Originally Posted By MikeLowrrrey⏩
You're not getting all of that with 2 $15/hr wages bud. MAYBE in Alabama or Oklahoma. I understand you're saying to save $40,000 but it's never like that. You'll barely make it to $5k, let alone $40,000

One emergency easily wipes out your savings
people have made it throughout history. my parents starting out were nervous about being able to make it buying a $22k house. and as i said, i'm talking charlotte metro.
post 1704314931 07-29-2024, 04:38 PM
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Originally Posted By eddiehaskell⏩
people have made it throughout history. my parents starting out were nervous about being able to make it buying a $22k house. and as i said, i'm talking charlotte metro.
Your $5000/month figure is wrong. It's $4000/month after taxes.

The doesn't state make it, the op states live well.

No 401k
Bare minimum health insurance
No emergency fund
No investments
Transportation is either beater, bus, or bicycle.
And any savings you do have will be wiped out with one small emergency
post 1704315141 07-29-2024, 04:42 PM
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Originally Posted By MikeLowrrrey⏩
The doesn't state make it, the op states live well.

No 401k
Bare minimum health insurance
No emergency fund
No investments
Transportation is either beater, bus, or bicycle.
And any savings you do have will be wiped out with one small emergency
The scenario I've outlined IS living very well...you're buying into the American dream while just starting out and working the lowest paying jobs on the ladder. This could be a 20 yr old couple without even high school degrees. ...making it...in America...putting themselves in a position to have all that.
post 1704315271 07-29-2024, 04:44 PM
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#37
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Originally Posted By AlfBundy⏩
They have affordable housing in my town for people who make $15 or less. Some of these apartments are brand new and nice AF. 2 bedroom for $680, 3 bedroom for $750. Those same apartments would cost 1600 - 1800
Thank you for being a law-abiding, tax-paying citizen.... Tyrone and Shanequa appreciates you subsidizing their rent.
Everything I post is satire.
Tricknology Grand Master.
post 1704316081 07-29-2024, 04:58 PM
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Originally Posted By eddiehaskell⏩
We are talking a couple starting out here working the lowest paying jobs that will have a house, car, full bellies, internet, cell phones, etc -- you expect them to instantly have a large 401k, premium healthcare, large emergency fund, investments and nice cars? that ain't how it works.
Ok so what do they do the first time they have to get an MRI, or maybe the HVAC fails on their condo?
How does that work?

And I am not saying its not possible to live on $60k as a couiple. But its not possible to own a $200k home responsibly with that income.
Can you comprehend this?
post 1704316201 07-29-2024, 04:59 PM
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Originally Posted By MikeLowrrrey⏩
You're not getting all of that with 2 $15/hr wages bud. MAYBE in Alabama or Oklahoma. I understand you're saying to save $40,000 but it's never like that. You'll barely make it to $5k, let alone $40,000

One emergency easily wipes out your saving


Your $5000/month is also off. It's actually $4000/month
Not even an emergency. Need new tires for your car??? Guess what. Thats $800 you dont have.........
post 1704316331 07-29-2024, 05:02 PM
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Originally Posted By donblaximus⏩
Ok so what do they do the first time they have to get an MRI, or maybe the HVAC fails on their condo?
How does that work?

And I am not saying its not possible to live on $60k as a couiple. But its not possible to own a $200k home responsibly with that income.
Can you comprehend this?
i would think they have insurance. if the hvac fails they likely putting any savings they have towards it or possibly put what they don't have on credit and work overtime to pay it off asap. how did my parents buy a home starting out when they didn't make much over minimum wage?
post 1704316491 07-29-2024, 05:04 PM
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Originally Posted By donblaximus⏩
Not even an emergency. Need new tires for your car??? Guess what. Thats $800 you dont have.........
Well if we say they have $2,000 tied up in housing costs/utilities. that gives them $2,000/month to make it. there may be times they feel the need to work extra hours at least until they can make more money. a few years later who know...maybe he's making $22/hr and she's making $20. now they have more breathing room.
post 1704316831 07-29-2024, 05:13 PM
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#42
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Ya, maybe in Iran.

Shiit is just inflating.
post 1704316941 07-29-2024, 05:14 PM
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#43
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Originally Posted By eddiehaskell⏩
i would think they have insurance. if the hvac fails they likely putting any savings they have towards it or possibly put what they don't have on credit and work overtime to pay it off asap. how did my parents buy a home starting out when they didn't make much over minimum wage?
You are either trolling or you are an autist.......
post 1704316991 07-29-2024, 05:15 PM
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#44
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Originally Posted By eddiehaskell⏩
Well if we say they have $2,000 tied up in housing costs/utilities. that gives them $2,000/month to make it. there may be times they feel the need to work extra hours at least until they can make more money. a few years later who know...maybe he's making $22/hr and she's making $20. now they have more breathing room.
Thats $500 a week bro. Cell phone, food, gas, etc. Come on bro. Use your brain..............
post 1704317031 07-29-2024, 05:15 PM
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#45
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Originally Posted By donblaximus⏩
You are either trolling or you are an autist.......
im giving you the reality of how people make it and get ahead out here.
post 1704317311 07-29-2024, 05:20 PM
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#46
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Originally Posted By donblaximus⏩
Thats $500 a week bro. Cell phone, food, gas, etc. Come on bro. Use your brain..............
i pay ~$8/month for cell service. if they're driving a 2012 corolla gasoline would be something like $20/week. food will be going to aldis and buying the most nutrient/calorie dense foods they afford to cook at home. people i know meal plan and have servings from one meal that last 3-5 days.
post 1704317331 07-29-2024, 05:21 PM
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#47
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Originally Posted By eddiehaskell⏩
im giving you the reality of how people make it and get ahead out here.
First you say "live well" in the title
Now you say "make it"

Neither is true on that wage with a 200k condo.
They might be "surviving" temporarily.....but not the other two conditions you state

Capiche?
post 1704317471 07-29-2024, 05:24 PM
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#48
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Originally Posted By donblaximus⏩
First you say "live well" in the title
Now you say "make it"

Neither is true on that wage with a 200k condo.
They might be "surviving" temporarily.....but not the other two conditions you state

Capiche?
hopefully your autism allows you to understand the nuance of "living well" for different circumstances. is a 20 yr old couple making $15/hr each living well by the standards of 50 yr old people -- of course not.
post 1704317711 07-29-2024, 05:28 PM
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Originally Posted By eddiehaskell⏩
hopefully your autism allows you to understand the nuance of "living well" for different circumstances. is a 20 yr old couple making $15/hr each living well by the standards of 50 yr old people -- of course not.
If ANYONE at ANY age is one emergency away from not making their mortgage payment......you are not "living well"
If you have to eat the same chit for 5 days straight......you are not "living well"

You are near 40 years old.....so closer to the "standards of 50 year old people"......yet in your OP you dont state an age so people would infer "your age"
You cant make up this level of non logic up.
We get it....you are broke. Stop projecting on everyone else like its ok.
post 1704318201 07-29-2024, 05:38 PM
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Originally Posted By donblaximus⏩
If ANYONE at ANY age is one emergency away from not making their mortgage payment......you are not "living well"
If you have to eat the same chit for 5 days straight......you are not "living well"

You are near 40 years old.....so closer to the "standards of 50 year old people"......yet in your OP you dont state an age so people would infer "your age"
You cant make up this level of non logic up.
We get it....you are broke. Stop projecting on everyone else like its ok.
You plan for emergencies -- you have lines of credit available to cover extreme circumstances and only use it when absolutely needed. I had my first credit card at age 18. You work extra hours when available and invest that money for a rainy day. A couple in the beginning stages of adulthood eating on one meal for 3-4 days -- ohhh the horror.

I swear, some people need me to hold their hand and walk them through the most basic of things.
post 1704318841 07-29-2024, 05:48 PM
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Originally Posted By eddiehaskell⏩
You plan for emergencies -- you have lines of credit available to cover extreme circumstances and only use it when absolutely needed. I had my first credit card at age 18. You work extra hours when available and invest that money for a rainy day. A couple in the beginning stages of adulthood eating on one meal for 3-4 days -- ohhh the horror.

I swear, some people need me to hold their hand and walk them through the most basic of things.
Yeah that's called an emergency fund....not a line of credit you autist.
Yes im sure you had your first credit card at age 18....but I can guarantee you....you are not the definition of living well at age 39 that most people would define.
There is no definition in America of living well which equates to eating the same chit for 4 days. I don't care what you say.

is it getting by? Sure. Do I poo poo on that? No not at all. Props to them for doing what they have to do.
We get it. You are broke. Quit trying to justify to everyone else its ok.

In this time in the US.....it is so fricken easy to make money its not even funny. There are sooo many channels to make money....even in your sleep.
post 1704319071 07-29-2024, 05:52 PM
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Originally Posted By donblaximus⏩
Yeah that's called an emergency fund....not a line of credit you autist.
Yes im sure you had your first credit card at age 18....but I can guarantee you....you are not the definition of living well at age 39 that most people would define.
There is no definition in America of living well which equates to eating the same chit for 4 days. I don't care what you say.

is it getting by? Sure. Do I poo poo on that? No not at all. Props to them for doing what they have to do.
We get it. You are broke. Quit trying to justify to everyone else its ok.

In this time in the US.....it is so fricken easy to make money it's not even funny. There are sooo many channels to make money....even in your sleep.
An emergency fund being whatever cash you've saved up -- a line of credit being available for anything that won't cover. Very simple concept really.

If you make a good meal what in the hell is wrong with eating it a various times over the next 4-5 days? This is a fooking bodybuilding forum you autist -- a place where people eat the most bland foods day after day for years...for pleasure...yet somehow survive.
post 1704319671 07-29-2024, 06:04 PM
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Originally Posted By eddiehaskell⏩
Put $40k down and they would have around a $1,100 payment.
You're right, but saving 40k is basically impossible for the average idiot
post 1704320221 07-29-2024, 06:13 PM
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Originally Posted By Omnivium⏩
You're right, but saving 40k is basically impossible for the average idiot
can't argue with that
post 1704321311 07-29-2024, 06:31 PM
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Originally Posted By eddiehaskell⏩
An emergency fund being whatever cash you've saved up -- a line of credit being available for anything that won't cover. Very simple concept really.

If you make a good meal what in the hell is wrong with eating it a various times over the next 4-5 days? This is a fooking bodybuilding forum you autist -- a place where people eat the most bland foods day after day for years...for pleasure...yet somehow survive.
No, technically an emergency fund is 5-6 months of expenses to float by/ That would be about $24k according to your calculation of what these people take home which is also unrealistic
Add that to the $40 down............................
post 1704321351 07-29-2024, 06:32 PM
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No they can't unless they live in a car and eat rice and beans for every meal
post 1704341941 07-30-2024, 09:17 AM
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Originally Posted By eddiehaskell⏩
without the kid at over $4k/month income and a $1100 house payment they easily make while income is surely going up...i hear of newly hired people making $20/hr at walmart after not too long. with no kid involved nothing to stop them from picking up extra hours either.
"income surely going up"

Bidenomics (the poverty from everything else going up in multiples instead)


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post 1704342571 07-30-2024, 09:33 AM
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Two people making $15/hr is roughly $4k a month after taxes, not 5k...

And that does not include retirement contributions and healthcare.
So its probably around 3.5k a month
Then you start with utilities and groceries, rent, etc.
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