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how do you raise a family on less than $300K/year?

...
Mainlining the secret truth of the universe
  10/11/17
Live somewhere affordable, stop obsessing about "cultur...
Don't fight the hypo
  10/11/17
even the average starter home in a shithole like Buffalo, NY...
boner_police
  10/11/17
No it isn't, but NY is terrible
.....,,.,.,.,..,.,.,,,,,.,.,.,.,.,.,,.
  10/11/17
The amount that XO believes it costs to live a meaningful li...
LTDanKaffe
  10/11/17
Because that's bare minimum what it costs for a decent house...
The Meanest Apostle
  10/11/17
Iím sorry but this is flame. I normally agree with you, but ...
LTDanKaffe
  10/11/17
tell us O Non-GC One how much it costs
Consuela
  10/11/17
Partially depends on where you live, but in D.C., for instan...
LTDanKaffe
  10/11/17
Yeah, but you're talking about people doing long commutes an...
The Meanest Apostle
  10/11/17
Living life requires taking on some risk.
LTDanKaffe
  10/11/17
As someone who took a minor risk and got totally fucked by i...
The Meanest Apostle
  10/11/17
(STRONG rape survivor)
short and fat
  10/11/17
Let's just say many years have passed and my bunghole is sti...
The Meanest Apostle
  10/11/17
"but in D.C., for instance, I know dozens of families w...
20 yrs of education for a 3yr career
  10/11/17
I mean, I'm just looking at what shit costs and my own budge...
The Meanest Apostle
  10/11/17
It sounds like youíre buying into the GC consumer driven boo...
LTDanKaffe
  10/11/17
Maybe. But I'm not asking for some 10k sq ft mansion with a...
The Meanest Apostle
  10/11/17
In what universe is that unobtainable on $300k family income...
bloodacre roasting on an open fire
  10/11/17
In a universe where houses cost what they cost and you still...
The Meanest Apostle
  10/11/17
Why are you spending $800k on a house and sending your kids ...
bloodacre roasting on an open fire
  10/11/17
No, I meant saving up for college. We're planning on public...
The Meanest Apostle
  10/11/17
something will have to give by the time are kids are college...
bloodacre roasting on an open fire
  10/11/17
Don't know, but I doubt it will be free. If you don't have ...
The Meanest Apostle
  10/11/17
What is an "SA" thread?
.....,,.,.,.,..,.,.,,,,,.,.,.,.,.,.,,.
  10/11/17
Thread where XOers talk about the escorts they get off of SA...
The Meanest Apostle
  10/11/17
Fair point regarding prior generations at our income levels....
LTDanKaffe
  10/11/17
Well, everything is a trade-off, right? It doesn't have to ...
The Meanest Apostle
  10/11/17
(ARE Reptile alt outted)
LTDanKaffe
  10/11/17
yeah you have iphones though
boner_police
  10/11/17
I have an old one that my job bought for me years ago. I wo...
The Meanest Apostle
  10/11/17
...
.....,,.,.,.,..,.,.,,,,,.,.,.,.,.,.,,.
  10/11/17
Not really, but I do live in one of the most expensive parts...
The Meanest Apostle
  10/11/17
a core GC flame is that prestigious, pricey private school e...
Can HRC still be POTUS? The answer may surprise u!
  10/11/17
Homeschooled kids are all fucking weird. It ignores the fac...
The Meanest Apostle
  10/11/17
lots of homeschool kids socialize bro. you don't know what y...
Can HRC still be POTUS? The answer may surprise u!
  10/11/17
No, I know non-Christian fundy ones too. They're still weir...
The Meanest Apostle
  10/11/17
i know a homeschool group with totally normal kids bc each p...
Seamen on Broadway
  10/12/17
(Home schooled weirdo)
Gitmo Detainee tearing up his HOPE poster
  10/11/17
You were talking about buying a $70k car. That's not bare mi...
bloodacre roasting on an open fire
  10/11/17
isnt this the same guy that's really into "crossovers&q...
boner_police
  10/11/17
yeah i definitely dont share his taste in automobiles. Notwi...
bloodacre roasting on an open fire
  10/11/17
Not really. A bunch of people kill my HHI on here. I legit...
The Meanest Apostle
  10/11/17
yeah i know how taxes work. shouldnt have taken that swipe a...
bloodacre roasting on an open fire
  10/11/17
I know you do, but keep in mind that we're in that great don...
The Meanest Apostle
  10/11/17
What special benefits for UC? Like capital gains rates?
.....,,.,.,.,..,.,.,,,,,.,.,.,.,.,.,,.
  10/11/17
Yep. When you no longer really have to worry about income t...
The Meanest Apostle
  10/11/17
Ah I thought you meant being in AMT but also being the type ...
bloodacre roasting on an open fire
  10/11/17
As a homeowner in a high tax state, what do you think?
The Meanest Apostle
  10/11/17
Yeah it's a pretty gay law and impacts people it was never i...
bloodacre roasting on an open fire
  10/11/17
Yeah, but like I said, I'm in that special income bracket wh...
The Meanest Apostle
  10/11/17
tbf oh boo hoo you are literally the 1% if you have to pay a...
Seamen on Broadway
  10/12/17
Not necessarily. See https://www.nytimes.com/2017/04/27/bus...
The Meanest Apostle
  10/12/17
Agreed - I like nice cars. Now, I keep them for a really lo...
The Meanest Apostle
  10/11/17
What year is your JGC?
bloodacre roasting on an open fire
  10/11/17
2013 Has about 100k miles. I'll probably keep it until i...
The Meanest Apostle
  10/11/17
Grand Cherokees are shit. It won't make it past 150k
MAGA180
  10/12/17
My last one made it over 200k. I have the V8 engine, which ...
The Meanest Apostle
  10/12/17
you know what's kooky? after 20yrs you have no house payment...
Seamen on Broadway
  10/12/17
...
shiv chasing w holdup on christmas morning
  10/12/17
Poorly
LordHalfordsWang
  10/11/17
...
Amateur Millennial Reindeer Porn
  10/11/17
...
The Meanest Apostle
  10/11/17
you don't.
Oh, you travel?
  10/11/17
...
The Meanest Apostle
  10/11/17
doesnt rangus have a kid
boner_police
  10/11/17
Dont have a huge mortgage, dont spend too much on cars.
bloodacre roasting on an open fire
  10/11/17
dont live in CA or NY
Alabama Wild Man
  10/11/17
So I started looking at something like moving to Miami. Gue...
The Meanest Apostle
  10/11/17
Denver is amazing.
.....,,.,.,.,..,.,.,,,,,.,.,.,.,.,.,,.
  10/11/17
lolno. Would never.
The Meanest Apostle
  10/11/17
Do you have asthma? It's naturally beautiful and tons of hig...
.....,,.,.,.,..,.,.,,,,,.,.,.,.,.,.,,.
  10/11/17
Nope, no asthma. Nah, it is shit. I've visited a bunch o...
The Meanest Apostle
  10/11/17
Only 1 Porsche in the garage is how.
ARE Reptile
  10/11/17
you really shouldnt harm your future kids by raising them on...
Non sequitur
  10/11/17
10 Reasons Why If You Don't Send Your Kids to Choate You Sho...
David Fleischman at Ortho Mattress
  10/11/17
i grew up with a dad that makes $150k and a SAHM pretty big...
give us today our daily humiliation
  10/11/17
yeah this thread is GC flame.
bloodacre roasting on an open fire
  10/11/17
Pretty fucking easy. It's laughable that you act like becau...
Mark Wohlers
  10/11/17
you cannot byu a 650k house in cerrtain areas
Non sequitur
  10/11/17
Yes you can. The 45 minute commute is the price you pay for...
Mark Wohlers
  10/11/17
That's the point. You can't live a decent lifestyle and hav...
The Meanest Apostle
  10/11/17
There are at least a dozen cities with more than one office ...
.....,,.,.,.,..,.,.,,,,,.,.,.,.,.,.,,.
  10/12/17
Are you living in dorms or something? - A mortgage isn'...
The Meanest Apostle
  10/11/17
But MY MASTERS.... as the leg off his sh!t Ikea chair falls ...
20 yrs of education for a 3yr career
  10/11/17
Did you not see where I said you still have $100k fucking do...
Mark Wohlers
  10/11/17
Agree with these numbers. $700k home, leasing two new BMW 3-...
.....,,.,.,.,..,.,.,,,,,.,.,.,.,.,.,,.
  10/11/17
you forget the part where 700k doesnt buy you a real hoome. ...
Non sequitur
  10/11/17
What is keeping you in SF? One of the highest COL areas in t...
.....,,.,.,.,..,.,.,,,,,.,.,.,.,.,.,,.
  10/11/17
same goes for \LA. NYC. seattle. etc. other than a few e...
Non sequitur
  10/11/17
Lol no you can easily live in a decent place in LA or NYC sp...
Mark Wohlers
  10/11/17
if you can link me a decent home in a good school district i...
Non sequitur
  10/11/17
So you have to live in west LA now?
Mark Wohlers
  10/11/17
keep the decent home in good school district qualifier and a...
Non sequitur
  10/11/17
How are the schools in the valley? I see plenty of 1400 sf 3...
Mark Wohlers
  10/12/17
https://www.youtube.com/watch?v=zWylUZub5KM
.....,,.,.,.,..,.,.,,,,,.,.,.,.,.,.,,.
  10/12/17
Are your friends living in $1.2M homes?
.....,,.,.,.,..,.,.,,,,,.,.,.,.,.,.,,.
  10/11/17
i have friends who are poor and friends who are rich. i dont...
Non sequitur
  10/11/17
Just wondering if there was some dynamic with your friends g...
.....,,.,.,.,..,.,.,,,,,.,.,.,.,.,.,,.
  10/12/17
I would agree SF is the one place this doesn't really apply ...
Mark Wohlers
  10/11/17
We're talking about America, not sf
turkey leg
  10/11/17
I could push back on $20k for food and clothes if you also c...
.....,,.,.,.,..,.,.,,,,,.,.,.,.,.,.,,.
  10/11/17
Just like a person with $2 million a year income has to push...
Mark Wohlers
  10/11/17
We agree, MW.
.....,,.,.,.,..,.,.,,,,,.,.,.,.,.,.,,.
  10/11/17
i feel really bad for people who can't get off the hedonic t...
Seamen on Broadway
  10/12/17
650K is 50% more expensive than 1800 sq ft new construction ...
Seamen on Broadway
  10/12/17
Iíll never know
Gitmo Detainee tearing up his HOPE poster
  10/11/17
Cop free or cheap housing through a variety of methods that ...
turkey leg
  10/11/17
It's actually pretty easy to do outside of cities like NYC/S...
,.,.,.,..,.,.,:,,:,,.,:::,.,,.,:.,,.:.,:.,:.::,.
  10/12/17
Most people people do it, even in ny/sf/la. The only differ...
nutella
  10/12/17


Poast new message in this thread



Reply Favorite

Date: October 11th, 2017 9:19 PM
Author: Mainlining the secret truth of the universe (law partner clutching a battery underneath his space blanket)



(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34420605)



Reply Favorite

Date: October 11th, 2017 9:22 PM
Author: Don't fight the hypo

Live somewhere affordable, stop obsessing about "culture"

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34420626)



Reply Favorite

Date: October 11th, 2017 9:23 PM
Author: boner_police

even the average starter home in a shithole like Buffalo, NY is around 650K at this point

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34420632)



Reply Favorite

Date: October 11th, 2017 10:06 PM
Author: .....,,.,.,.,..,.,.,,,,,.,.,.,.,.,.,,.


No it isn't, but NY is terrible

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34420925)



Reply Favorite

Date: October 11th, 2017 9:36 PM
Author: LTDanKaffe

The amount that XO believes it costs to live a meaningful life is the biggest flame around here.

How the fuck do we rail against GC and then buy into the belief that it requires 300k/yr to have a family?

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34420701)



Reply Favorite

Date: October 11th, 2017 9:38 PM
Author: The Meanest Apostle

Because that's bare minimum what it costs for a decent house, cars, education for kids, and not constantly worrying about.

As someone whose family clears that but in a higher COL area - that isn't actually enough.

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34420716)



Reply Favorite

Date: October 11th, 2017 9:39 PM
Author: LTDanKaffe

Iím sorry but this is flame. I normally agree with you, but this is one topic where XO jumps the shark.

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34420725)



Reply Favorite

Date: October 11th, 2017 9:40 PM
Author: Consuela

tell us O Non-GC One how much it costs

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34420734)



Reply Favorite

Date: October 11th, 2017 9:43 PM
Author: LTDanKaffe

Partially depends on where you live, but in D.C., for instance, I know dozens of families who do perfectly fine on lone GS-15 incomes. They have multiple children, seemingly happy lives, and own homes.

Are they going out to eat every night, ubering everywhere, and taking vacations overseas every year? No, they arenít. But that shit isnít necessary for a happy and meaningful life.

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34420759)



Reply Favorite

Date: October 11th, 2017 10:03 PM
Author: The Meanest Apostle

Yeah, but you're talking about people doing long commutes and are seriously terrified when people talk about cutting fed budgets because they are all in on fed gov.

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34420908)



Reply Favorite

Date: October 11th, 2017 10:11 PM
Author: LTDanKaffe

Living life requires taking on some risk.

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34420986)



Reply Favorite

Date: October 11th, 2017 10:18 PM
Author: The Meanest Apostle

As someone who took a minor risk and got totally fucked by it, you have to keep the downside in mind and realize that we don't live like boomers did where all bets were in their favor.

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34421044)



Reply Favorite

Date: October 11th, 2017 10:38 PM
Author: short and fat

(STRONG rape survivor)

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34421212)



Reply Favorite

Date: October 11th, 2017 10:39 PM
Author: The Meanest Apostle

Let's just say many years have passed and my bunghole is still sore...

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34421228)



Reply Favorite

Date: October 11th, 2017 11:13 PM
Author: 20 yrs of education for a 3yr career

"but in D.C., for instance, I know dozens of families who do perfectly fine on lone GS-15 incomes."

LOL, yea, h 2 working parents on GS-15 incomes bringing in $310k / yr

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34421594)



Reply Favorite

Date: October 11th, 2017 9:41 PM
Author: The Meanest Apostle

I mean, I'm just looking at what shit costs and my own budget. Maybe your preferences are just much cheaper than mine.

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34420736)



Reply Favorite

Date: October 11th, 2017 9:45 PM
Author: LTDanKaffe

It sounds like youíre buying into the GC consumer driven boomer lifestyle.

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34420770)



Reply Favorite

Date: October 11th, 2017 9:48 PM
Author: The Meanest Apostle

Maybe. But I'm not asking for some 10k sq ft mansion with a fountain in the front or some shit nonsense. Just a normal nice house in a place with schools and yes, a really nice car because I'm a car guy. the shit that people in prior generations with our jobs/earnings had no problem getting.

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34420791)



Reply Favorite

Date: October 11th, 2017 9:49 PM
Author: bloodacre roasting on an open fire (bloodacre@aol.com)

In what universe is that unobtainable on $300k family income?

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34420802)



Reply Favorite

Date: October 11th, 2017 9:51 PM
Author: The Meanest Apostle

In a universe where houses cost what they cost and you still need to pay for childcare, education, etc.

Figure a $700k home (a "fixer-upper" - lol) + 100k in renovations.

And, figure anyone can lose their job at anytime because welcome to ITE.

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34420826)



Reply Favorite

Date: October 11th, 2017 9:56 PM
Author: bloodacre roasting on an open fire (bloodacre@aol.com)

Why are you spending $800k on a house and sending your kids to private school (assuming thats what you meant by education)?



(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34420852)



Reply Favorite

Date: October 11th, 2017 9:57 PM
Author: The Meanest Apostle

No, I meant saving up for college. We're planning on public schools because holy shit. But you still will end up paying for summer programs and shit.

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34420863)



Reply Favorite

Date: October 11th, 2017 9:59 PM
Author: bloodacre roasting on an open fire (bloodacre@aol.com)

something will have to give by the time are kids are college age. is this shit just going to be $200k/year?

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34420875)



Reply Favorite

Date: October 11th, 2017 10:02 PM
Author: The Meanest Apostle

Don't know, but I doubt it will be free. If you don't have today's equivalent of 6 figs ready it is probably going to be a problem. If I have a daughter I'd rather not have her popping on in an SA thread here on XO.

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34420901)



Reply Favorite

Date: October 11th, 2017 10:09 PM
Author: .....,,.,.,.,..,.,.,,,,,.,.,.,.,.,.,,.


What is an "SA" thread?

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34420959)



Reply Favorite

Date: October 11th, 2017 10:10 PM
Author: The Meanest Apostle

Thread where XOers talk about the escorts they get off of SA.

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34420974)



Reply Favorite

Date: October 11th, 2017 9:49 PM
Author: LTDanKaffe

Fair point regarding prior generations at our income levels. there are tradeoffs, but a family doesnít have to be one of them (assuming you want a family).



(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34420803)



Reply Favorite

Date: October 11th, 2017 9:54 PM
Author: The Meanest Apostle

Well, everything is a trade-off, right? It doesn't have to be, but then something else has to give. What is it?

For me, I was always an "I am open to a family but I'm not willing to live a lifestyle I'm unhappy with for it" guy. I'm not the sort of guy that was ever doing all this for kids. I was doing it for a decent lifestyle. Ever since I was little boy in Siberian tundra... wait, no, that wasn't where I was going with this.

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34420841)



Reply Favorite

Date: October 11th, 2017 9:55 PM
Author: LTDanKaffe

(ARE Reptile alt outted)

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34420844)



Reply Favorite

Date: October 11th, 2017 9:56 PM
Author: boner_police

yeah you have iphones though

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34420851)



Reply Favorite

Date: October 11th, 2017 9:56 PM
Author: The Meanest Apostle

I have an old one that my job bought for me years ago. I wouldn't pay for one myself.

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34420855)



Reply Favorite

Date: October 11th, 2017 10:07 PM
Author: .....,,.,.,.,..,.,.,,,,,.,.,.,.,.,.,,.




(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34420939)



Reply Favorite

Date: October 11th, 2017 10:10 PM
Author: The Meanest Apostle

Not really, but I do live in one of the most expensive parts of the country.

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34420968)



Reply Favorite

Date: October 11th, 2017 9:41 PM
Author: Can HRC still be POTUS? The answer may surprise u!

a core GC flame is that prestigious, pricey private school education = decent education

homeschooling >>>>>>>>>>>>>>>>>> some overpriced shitlib indoctrination camp



(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34420741)



Reply Favorite

Date: October 11th, 2017 9:42 PM
Author: The Meanest Apostle

Homeschooled kids are all fucking weird. It ignores the fact that socialization is a core goal of schooling.

And while private schools aren't necessary in many cases, you have to live in a place with decent public schools and that costs money.

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34420749)



Reply Favorite

Date: October 11th, 2017 10:19 PM
Author: Can HRC still be POTUS? The answer may surprise u!

lots of homeschool kids socialize bro. you don't know what you're talking about. your info is like 30 years out of date, based on some shitlib propaganda about christian fundies that make up a small % of the movement nowadays.

i know somebody that runs an email group for homeschoolers and they're always doing activities and shit. and it's a very non-fundie vibe from what they tell me (like fundies are welcome I guess but there's not many of them, cuz its a pretty lib urban area. most of the parents are libs...)

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34421056)



Reply Favorite

Date: October 11th, 2017 10:32 PM
Author: The Meanest Apostle

No, I know non-Christian fundy ones too. They're still weird. Normal kids spend the whole day around other kids. They spend it with their parents. That is obviously going to have an impact. That isn't "shitlib crap" - it is basic common sense.

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34421155)



Reply Favorite

Date: October 12th, 2017 1:41 PM
Author: Seamen on Broadway (playing with gay dog boners since 2013)

i know a homeschool group with totally normal kids bc each parent teaches a different class so homeschoolers are around kids all day

but this way they self-select to only be around UMC and UC white kids while giving their kids a WAY better academic education

only drawback is they don't cop dat autoadmit to TTTexas UG bc they can't get in under the top 10% rule

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34425843)



Reply Favorite

Date: October 11th, 2017 11:53 PM
Author: Gitmo Detainee tearing up his HOPE poster (Tax survivor)

(Home schooled weirdo)

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34422028)



Reply Favorite

Date: October 11th, 2017 9:42 PM
Author: bloodacre roasting on an open fire (bloodacre@aol.com)

You were talking about buying a $70k car. That's not bare minimum kind of shit.



(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34420747)



Reply Favorite

Date: October 11th, 2017 9:43 PM
Author: boner_police

isnt this the same guy that's really into "crossovers"?

"Oh what a cruel world where I barely earn enough to blow nearly a hundred grand on a transvestite car!"

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34420758)



Reply Favorite

Date: October 11th, 2017 9:46 PM
Author: bloodacre roasting on an open fire (bloodacre@aol.com)

yeah i definitely dont share his taste in automobiles. Notwithstanding, I think hes missing the point. He certainly could raise a family on $300k, just not the exact way he fantisizes about.

Also, fish is my friend but this was clearly just an opportunity for him to remind everyone he makes decent money.

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34420780)



Reply Favorite

Date: October 11th, 2017 9:55 PM
Author: The Meanest Apostle

Not really. A bunch of people kill my HHI on here. I legit am having trouble getting money for the next house + ready for kids and I really am frustrated. Don't forget, that is pre-tax money and after tax it is nothing to write home about.

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34420849)



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Date: October 11th, 2017 9:57 PM
Author: bloodacre roasting on an open fire (bloodacre@aol.com)

yeah i know how taxes work. shouldnt have taken that swipe at you. we cool?

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34420859)



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Date: October 11th, 2017 9:59 PM
Author: The Meanest Apostle

I know you do, but keep in mind that we're in that great donut where we earn enough that the government thinks we're rich but where the special benefits they throw the upper class haven't kicked in at all. In other words, we're the ones that get screwed.

Sure man, no offense taken.

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34420874)



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Date: October 11th, 2017 10:11 PM
Author: .....,,.,.,.,..,.,.,,,,,.,.,.,.,.,.,,.


What special benefits for UC? Like capital gains rates?

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34420988)



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Date: October 11th, 2017 10:19 PM
Author: The Meanest Apostle

Yep. When you no longer really have to worry about income tax for most shit the world changes.

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34421050)



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Date: October 11th, 2017 10:33 PM
Author: bloodacre roasting on an open fire (bloodacre@aol.com)

Ah I thought you meant being in AMT but also being the type of person who relies heavily on itemized deductions, which would seem like you.

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34421170)



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Date: October 11th, 2017 10:34 PM
Author: The Meanest Apostle

As a homeowner in a high tax state, what do you think?

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34421178)



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Date: October 11th, 2017 10:36 PM
Author: bloodacre roasting on an open fire (bloodacre@aol.com)

Yeah it's a pretty gay law and impacts people it was never intended to.

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34421194)



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Date: October 11th, 2017 10:39 PM
Author: The Meanest Apostle

Yeah, but like I said, I'm in that special income bracket where no one has our back.

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34421222)



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Date: October 12th, 2017 1:42 PM
Author: Seamen on Broadway (playing with gay dog boners since 2013)

tbf oh boo hoo you are literally the 1% if you have to pay amt

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34425854)



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Date: October 12th, 2017 8:43 PM
Author: The Meanest Apostle

Not necessarily. See https://www.nytimes.com/2017/04/27/business/economy/trump-alternative-minimum-tax.html

More than 2% of households making under $200k pay extra due to AMT (including some under $100k) and over 30% of 200-500k households end up fucked. Hilariously, 20.5% of $1m+ households end up screwed.

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34429068)



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Date: October 11th, 2017 9:44 PM
Author: The Meanest Apostle

Agreed - I like nice cars. Now, I keep them for a really long time. I'm not one of those "new car every 3 years" or whatever guys.

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34420762)



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Date: October 11th, 2017 9:47 PM
Author: bloodacre roasting on an open fire (bloodacre@aol.com)

What year is your JGC?

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34420786)



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Date: October 11th, 2017 9:48 PM
Author: The Meanest Apostle

2013

Has about 100k miles. I'll probably keep it until it gets close to 200k.

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34420795)



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Date: October 12th, 2017 1:22 PM
Author: MAGA180

Grand Cherokees are shit. It won't make it past 150k

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34425723)



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Date: October 12th, 2017 2:09 PM
Author: The Meanest Apostle

My last one made it over 200k. I have the V8 engine, which is solid.

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34426062)



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Date: October 12th, 2017 1:33 PM
Author: Seamen on Broadway (playing with gay dog boners since 2013)

you know what's kooky? after 20yrs you have no house payment or kids to support, the fuck you need 300k for

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34425781)



Reply Favorite

Date: October 12th, 2017 1:23 PM
Author: shiv chasing w holdup on christmas morning



(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34425727)



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Date: October 11th, 2017 9:39 PM
Author: LordHalfordsWang

Poorly

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34420724)



Reply Favorite

Date: October 11th, 2017 9:41 PM
Author: Amateur Millennial Reindeer Porn



(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34420735)



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Date: October 11th, 2017 9:41 PM
Author: The Meanest Apostle



(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34420742)



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Date: October 11th, 2017 9:40 PM
Author: Oh, you travel?

you don't.

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34420732)



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Date: October 11th, 2017 9:41 PM
Author: The Meanest Apostle



(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34420745)



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Date: October 11th, 2017 9:42 PM
Author: boner_police

doesnt rangus have a kid

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34420748)



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Date: October 11th, 2017 9:43 PM
Author: bloodacre roasting on an open fire (bloodacre@aol.com)

Dont have a huge mortgage, dont spend too much on cars.

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34420760)



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Date: October 11th, 2017 9:58 PM
Author: Alabama Wild Man

dont live in CA or NY

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34420871)



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Date: October 11th, 2017 10:00 PM
Author: The Meanest Apostle

So I started looking at something like moving to Miami. Guess what? Shit is about as expensive there. Unless you mean moving somewhere horrible like Denver but holy fuck, might as well get on a raft with a can of gasoline, going several miles into the ocean and then setting the raft and yourself on fire.

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34420885)



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Date: October 11th, 2017 10:12 PM
Author: .....,,.,.,.,..,.,.,,,,,.,.,.,.,.,.,,.


Denver is amazing.

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34420999)



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Date: October 11th, 2017 10:19 PM
Author: The Meanest Apostle

lolno. Would never.

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34421054)



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Date: October 11th, 2017 10:22 PM
Author: .....,,.,.,.,..,.,.,,,,,.,.,.,.,.,.,,.


Do you have asthma? It's naturally beautiful and tons of high-end jobs and people moving there.

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34421077)



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Date: October 11th, 2017 10:31 PM
Author: The Meanest Apostle

Nope, no asthma.

Nah, it is shit. I've visited a bunch of times.

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34421145)



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Date: October 11th, 2017 10:05 PM
Author: ARE Reptile

Only 1 Porsche in the garage is how.

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34420915)



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Date: October 11th, 2017 10:05 PM
Author: Non sequitur

you really shouldnt harm your future kids by raising them on such a low sum. it's basically child abuse

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34420922)



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Date: October 11th, 2017 10:27 PM
Author: David Fleischman at Ortho Mattress ((retired)@(retired).(retired))

10 Reasons Why If You Don't Send Your Kids to Choate You Shouldn't Procreate (xo buzzfee

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34421115)



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Date: October 11th, 2017 10:37 PM
Author: give us today our daily humiliation (u$po)

i grew up with a dad that makes $150k and a SAHM

pretty big 300k house, good school district, never really felt strapped for cash

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34421205)



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Date: October 11th, 2017 10:40 PM
Author: bloodacre roasting on an open fire (bloodacre@aol.com)

yeah this thread is GC flame.

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34421247)



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Date: October 11th, 2017 11:09 PM
Author: Mark Wohlers

Pretty fucking easy. It's laughable that you act like because you LIKE nice cars that it's a requirement to have while also being able to raise a family.

That's like $175k after taxes at worst. This is easily affordable while living a top 5% in U.S. lifestyle.

Spend $40,000 year on a mortgage (that's like a $650,000 house).

Spend $20k saving for college.

$15,000 on two nice cars.

That leaves you $100k to spend on other miscellaneous expenses, vacations, savings, and shit for your kids.

WTF IS WRONG WITH YOU STRIVER CUNT

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34421565)



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Date: October 11th, 2017 11:10 PM
Author: Non sequitur

you cannot byu a 650k house in cerrtain areas

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34421568)



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Date: October 11th, 2017 11:12 PM
Author: Mark Wohlers

Yes you can. The 45 minute commute is the price you pay for living in a BIG ELITE CITY.

Maybe OP should have read "how do you raise a family on $300k a year while also living a striver GC lifestyle out of my budget?"

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34421589)



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Date: October 11th, 2017 11:23 PM
Author: The Meanest Apostle

That's the point. You can't live a decent lifestyle and have kids on $300k. No shit, you can do a long commute to a shitty place for less.

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34421710)



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Date: October 12th, 2017 12:01 AM
Author: .....,,.,.,.,..,.,.,,,,,.,.,.,.,.,.,,.


There are at least a dozen cities with more than one office that pay NYC scale for lawyers.

You don't have to live in SF/NYC/LA.

What about Dallas? Denver? Atlanta? Austin? Philly?

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34422097)



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Date: October 11th, 2017 11:22 PM
Author: The Meanest Apostle

Are you living in dorms or something?

- A mortgage isn't what a house costs. There are taxes, repairs, etc. Also, $650k isn't much in a major metro area. There's also shit like furniture.

- you haven't accounted for actual living expenses other than house and car (and $15k/year isn't going to cover total commuting costs for 2 cars)

- you haven't worried about childcare at all, which is incredibly expenses

- forget basics like food, clothes, etc.

Basically, you listed like three big things, said "done" and declared victory.

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34421698)



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Date: October 11th, 2017 11:24 PM
Author: 20 yrs of education for a 3yr career

But MY MASTERS.... as the leg off his sh!t Ikea chair falls off..

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34421715)



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Date: October 11th, 2017 11:28 PM
Author: Mark Wohlers

Did you not see where I said you still have $100k fucking dollars for all that?

Okay, add $20,000 a year for other property expenses including taxes an insurance and maintenance. This is probably high.

LOL at $15,000 a year not covering total car/commuter costs. You don't have to buy a $40,000 car faggot. This goes to my point of this really being about you not being able to afford your striver lifestyle, and not a family per se.

$15,000 more a year in other child care. Pro tip: You don't have to send them to striver camps all summer.

$20,000 more in food and clothes (plenty).

That leaves you $50,000 more dollars for saving or any other upgrades to the above (you could even buy your ridiculous M5 or whatever striver car you NEED and have plenty leftover from this)

Households with combined $150,000 in income are easily able to do this even in big cities. You are just being obtuse.



(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34421765)



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Date: October 11th, 2017 11:45 PM
Author: .....,,.,.,.,..,.,.,,,,,.,.,.,.,.,.,,.


Agree with these numbers. $700k home, leasing two new BMW 3-series-type cars, with very expensive school for two children, this person still has approximately $100,000 left over for savings, household expenses, food, and the rest.

Lifestyle choices will dictate how much of that $100k goes to personal savings, but there is room to save.

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34421927)



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Date: October 11th, 2017 11:45 PM
Author: Non sequitur

you forget the part where 700k doesnt buy you a real hoome. the median home in SF is 1.2M

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34421939)



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Date: October 11th, 2017 11:48 PM
Author: .....,,.,.,.,..,.,.,,,,,.,.,.,.,.,.,,.


What is keeping you in SF? One of the highest COL areas in the US.



(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34421975)



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Date: October 11th, 2017 11:50 PM
Author: Non sequitur

same goes for \LA. NYC. seattle. etc.

other than a few exceptions, high paying jobs are in high COLA areas. and you may have ties there already like friends and family.

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34421993)



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Date: October 11th, 2017 11:52 PM
Author: Mark Wohlers

Lol no you can easily live in a decent place in LA or NYC spending fucking $40,000 a year.

The problem is that you aren't willing to accept a decent place or your idea of a decent place slowly increases along with your income.

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34422008)



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Date: October 11th, 2017 11:53 PM
Author: Non sequitur

if you can link me a decent home in a good school district in west la for under a mill i will buy it literally right now (and then flip it for $2m)

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34422025)



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Date: October 11th, 2017 11:54 PM
Author: Mark Wohlers

So you have to live in west LA now?

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34422037)



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Date: October 11th, 2017 11:56 PM
Author: Non sequitur

keep the decent home in good school district qualifier and apply it to other LA areas if it floats your boat

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34422049)



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Date: October 12th, 2017 12:02 AM
Author: Mark Wohlers

How are the schools in the valley? I see plenty of 1400 sf 3 bedroom homes for $650-700k. Are they nice new houses? No. But that's not reasonable to expect in LA.

Seems like you want to have your cake and eat it too. ELITE big city striver lifestyles don't come with the nice affordable housing you get in the rest of the country.

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34422102)



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Date: October 12th, 2017 12:27 AM
Author: .....,,.,.,.,..,.,.,,,,,.,.,.,.,.,.,,.


https://www.youtube.com/watch?v=zWylUZub5KM

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34422299)



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Date: October 11th, 2017 11:52 PM
Author: .....,,.,.,.,..,.,.,,,,,.,.,.,.,.,.,,.


Are your friends living in $1.2M homes?

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34422010)



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Date: October 11th, 2017 11:54 PM
Author: Non sequitur

i have friends who are poor and friends who are rich. i dont get the point of the question

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34422033)



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Date: October 12th, 2017 12:08 AM
Author: .....,,.,.,.,..,.,.,,,,,.,.,.,.,.,.,,.


Just wondering if there was some dynamic with your friends generally making more or less than you. That can be a significant contributor to irrational financial thinking, such as people wanting less money as long as it is more than their friends.

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34422167)



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Date: October 11th, 2017 11:50 PM
Author: Mark Wohlers

I would agree SF is the one place this doesn't really apply unless you commute an hour each way. But you are paying to live there.

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34421995)



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Date: October 11th, 2017 11:55 PM
Author: turkey leg

We're talking about America, not sf

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34422047)



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Date: October 11th, 2017 11:47 PM
Author: .....,,.,.,.,..,.,.,,,,,.,.,.,.,.,.,,.


I could push back on $20k for food and clothes if you also consider drinking/entertainment. The rest I agree.

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34421960)



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Date: October 11th, 2017 11:49 PM
Author: Mark Wohlers

Just like a person with $2 million a year income has to push back the $10 million yacht.

Everyone wants to live just right outside their means and thinks that's what a comfortable lifestyle is.

People like the OP will NEVER make enough money. Their spending will always increase with income, and along with that, their view of a "comfortable lifestyle".

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34421980)



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Date: October 11th, 2017 11:54 PM
Author: .....,,.,.,.,..,.,.,,,,,.,.,.,.,.,.,,.


We agree, MW.

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34422032)



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Date: October 12th, 2017 1:44 PM
Author: Seamen on Broadway (playing with gay dog boners since 2013)

i feel really bad for people who can't get off the hedonic treadmill, it's a red flag that they're incapable of introspection (i.e., they're not intelligent) and that they're unhappy and always will be

at 18 i knew what "enough" was and I passed it a long time ago. (((GC))) tries to trap me with new shit, but I say GET BEHIND ME SATAN.

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34425873)



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Date: October 12th, 2017 1:38 PM
Author: Seamen on Broadway (playing with gay dog boners since 2013)

650K is 50% more expensive than 1800 sq ft new construction just outside downtown austin https://www.realtyaustin.com/idx/condos/texas/austin/78702/505-tillery-4/4212504.html

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34425816)



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Date: October 11th, 2017 11:50 PM
Author: Gitmo Detainee tearing up his HOPE poster (Tax survivor)

Iíll never know

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34421981)



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Date: October 11th, 2017 11:52 PM
Author: turkey leg

Cop free or cheap housing through a variety of methods that may or may not be available to you

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34422013)



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Date: October 12th, 2017 1:26 PM
Author: ,.,.,.,..,.,.,:,,:,,.,:::,.,,.,:.,,.:.,:.,:.::,.


It's actually pretty easy to do outside of cities like NYC/SF/LA.

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34425738)



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Date: October 12th, 2017 2:05 PM
Author: nutella

Most people people do it, even in ny/sf/la. The only difference is that you're not maximizing own savings for retirements and/or saving for kids' college spending on your income. At $300k, you're likely saving for own retirement but you're not doing $28k/year in each kid's 529 plan. Not exactly end of the world, kids will just have to take out loans to pay for $100k/year In-state CA tuition in 18 years.

(http://www.autoadmit.com/thread.php?thread_id=3761382&forum_id=2#34426041)