mastermind
Rest In Power Kobe
you're a shyt postermaking 6 figures living paycheck to paycheckget your shyt together
Why Upper-Middle Earners Are Living Paycheck to Paycheck
- Thread starter ogc163
- Start date
the cac mamba
Banned
the cac mamba
Banned
as six figure earners, could they have got out of the paycheck to paycheck lifestyle if they altered their spending habits for 6 months?
dora_da_destroyer
Master Baker
where do you live? i know you're in MA, but you're not in boston...do you have student loans? you don't have kids so there's that...do you have a car note? have you ever had a major medical bill or chronic condition needing specialized maintenance medication/treatments? do you have dependents or family that relies on you for financial help?i guess it's because i've always been about my money that i just cant relate to that. i lived with a roommate for a while, didnt spend money on bullshyt, and stacked the fukk up to 6 figures. so if you're making 6 and can't get to the point where you have 2 paychecks in the bank, what the fukkmake changes in your lifestyle and cut your bills. because the government isn't coming to help people who make over 100 thousand dollars, i can tell you that much
yea, people can stop eating out, stop buying clothes, don't take trips...that's shyt people can control to stack more, but other costs aren't negotiable. the cost of childcare aint going down, the cost of health care isn't going down, your student loan bills are the same whether you live in texas or california, the cost of private school (yes, this is a necessity in some places where the public schools are trash) or college for your kids aint going down, everyone isn't a single 20-30 something who can do roommates, some people have to have their own housing *gasp* for their family
you continually always look at others' situations through the eyes of your own, it's like you're incapable of realizing people live very different lives than yours, such a white male trait.
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Hood Critic
The Power Circle
Even after multiple people have attempted to express to you that paycheck-to-paycheck is not exclusive to spending habits you still seem to fall back on that ridiculous talking point.
COL in this country varies wildly as does the salary ranges in professional careers. A lawyer in CA does not make the same as a lawyer in Iowa, so the concept of just pack up and move to a less desirable place because whats considered a great income in one place isn't cutting it in your current locale is not a reasonable solution.
@Ya? @Saltmoney @BrownBunny this is that shyt I be trying warn yall about....
Don't be fooled by someone pulling 100k. What's more important is what someone does with their money.
Debt ain't what's popping.
It's a sad reality! I knew that most or rather a too large amount of money goes towards housing. I think it is recommended to not spend more than 30% of your income on rent/mortgage but a lot of people don't follow the advise because it becomes impractical I think.
Having to commute for for long periods of time is stressful and according to a study I read a while ago it puts a significant damper on peoples happiness and overall life satisfaction when you sit between 2-3 hours a day in traffic. But usually the closer to your work you life, I'm assuming, as companies often are downtown in city centers the higher the prices for decent living conditions go.
I miss 500 Euro rent for a two bedroom apartment with a nice backyard!
I agree with this, it's just a lot of influential people would categorically reject the idea just because "we", as in Americans, have never operated in that manner and I seriously don't think most people could even fathom the idea.
never gonna happen
the country's too big anyway. what country with 350 million people has successfully implemented democratic socialism?
Unfortunately I agree with that it's never going to happen because
1.) being able to have dramatically different social classes exerts control which is used to keep people down and
2.) it would kind of get rid of the notion that "you can make your dream come true and rise to the top in the grand ol' U.S. of A" because of the shift of a only a certain few being able to make it to everyone being able to live comfortably
But the way everything's going right now society is just turning into a big hot pile of $hit that's picking up major speed and is about to crash head on. What's the alternative?
the cac mamba
Banned
i had 20k in loans that i paid off. no, i dont take out car notes to buy 20-30 thousand dollar cars, i buy 10k cars
i dont empathize with people who make 6 figures a year and don't know how to budget it
sorrytalking about "how could i not be capable of looking through the eyes of someone who makes 150 thousand dollars a year
you fukkin cracker" 
i make 60 a year. you're right, i wish i could look through their eyes
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the cac mamba
Banned
i never SAID it was
i was CLEARLY talking about people who blow their money on bullshyt. are you denying that that's a thing?
i'm still waiting on dude above who called me out, to answer me on if the people who he knew who had this "problem" could change their spending habits
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If you're making over $100,000, chances are you have thousands of dollars in student loans and live in a high cost of living city.
dora_da_destroyer
Master Baker
a single parent making 110K in Oakland is 5700 take home - this includes pretax deductions of 300/month for health, 60 for dental, 500 into 401k, 20 for LTD and life insurance (that health number is being generous depending on lifestyle)i had 20k in loans that i paid off. no, i dont take out car notes to buy 20-30 thousand dollar cars, i buy 10k cars
i dont empathize with people who make 100 thousand dollars a year and don't know how to budget it
2500 for apartment
800 for student loans (most people out here making 6 figures went to college/grad school)
1200 for child care
250 car note (this is under the avg car note cost for both new and used)
150 gas
400 for groceries
that's $5300 right there...at what point are you going to stop defaulting to everyone making six figures who can't stack has budgeting issues?
the cac mamba
Banned
bullshyt ass example because most people arent single parents and i NEVER denied that a single parent would have it harder
because of course they would. this thread does not have "single parents" in the subject line, or i wouldnt have said that
I found a way to save money making way less than 100k in the Bay, now that i make over that i have no issue saving money. Move farther out from the city you are working in, live with roommates, etc... . Move to another state or farther from where you are for work. Like someone said, a lawyer in Iowa is not making what someone is in CA, but the housing costs are nowhere near as expensive and most likely everything else.
dora_da_destroyer
Master Baker
bruh, that's just one example. most people have responsibilities (i.e. a family to care for, mortgage, etc), you always default to the young unattached person as why people should be doing X if they make six figures, that's such a small percentage of people making six figures.bullshyt ass example because most people arent single parents and i NEVER denied that a single parent would have it harder
Breh I hear you and understand, but how many people are really doing what it takes to cut cost. A grown person over 25 shouldn't be living check to check. I don't care if that means you have to go a couple months without a pleasurable entity, until you reach that cushion, but that self sacrifice needs to be done, especially if you making 6 figs, get a roommate, for 6 months, while you stack.
I hear but that's my main reason why i took a paycut. The organization I work at pays less, than what I could be making in the city, but my commute to and from work is cake. I sleep in late, and commute to and from work with no traffic. I'm not tired when I get home.It's a sad reality! I knew that most or rather a too large amount of money goes towards housing. I think it is recommended to not spend more than 30% of your income on rent/mortgage but a lot of people don't follow the advise because it becomes impractical I think.
Having to commute for for long periods of time is stressful and according to a study I read a while ago it puts a significant damper on peoples happiness and overall life satisfaction when you sit between 2-3 hours a day in traffic. But usually the closer to your work you life, I'm assuming, as companies often are downtown in city centers the higher the prices for decent living conditions go.
I miss 500 Euro rent for a two bedroom apartment with a nice backyard!
I'm also in a good place financially, so I can still put a decent portion of my income away every check.
Forget the rat race. What good is making 100k if I'm stressed and don't even get to enjoy it.
dora_da_destroyer
Master Baker
move further out for many people means 2+ hour commutes, sure you save money on housing but at the expense of your wellbeing (you also will need a reliable car in that case).
people also never seem to look at fixed costs in these fantom move to cheaper state X examples. if i buy a car, i'm on the hook for $400/month in CA or Iowa, if i have $500 CC payments, a $700 student loan payment, my meds cost $125 month, my cell phone/internet/cable bill comes to $400/month. none of that changes. so i save $1000 month on housing yet bring home $4000 less due to the paycut i took moving to Iowa, that's not getting ahead either.