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Started By
Message
re: 78 % of non-OT members live paycheck to paycheck
Posted on 5/17/18 at 6:32 pm to Cowboyfan89
Posted on 5/17/18 at 6:32 pm to Cowboyfan89
quote:
And our take home for the month is usually around $4100.
Combined?
1
Posted on 5/17/18 at 6:34 pm to TH03
quote:
And our take home for the month is usually around $4100.
quote:
Combined?
That's like 75-80k. That's way above the average and depending on where you live could be a very comfortable living.
Posted on 5/17/18 at 6:36 pm to Mingo Was His NameO
True, I always default to thinking about Dallas. I'd have nightmares if we were $80k combined here.
Posted on 5/17/18 at 6:36 pm to Will Cover
My wife and I don't live paycheck-to-paycheck anymore but we don't have a large income, we are just really good at managing our money. But then again, we always have been.
In the late 90s early 2000 we were living off of 8 to $10 an hour. That's between the two of us. So basically like $16,000 a year. But we also lived in a dump in a shity neighborhood for $300 a month that we got on discount because I renovated it myself when I wasn't working, we drove a $2,000 used Honda Civic they got great gas mileage and never needed repairs, we ate surefine brand mac and cheese every night from Save-A-Center, etc. We didn't have any disposable income for like 3 or 4 years straight.
There was a period in time when I was living by myself making $12.50 an hour, paying for my cell phone, internet, Electric, other utilities, rent was 750 a month, car insurance and I still had a little money in my pocket at the end of the week to do what I wanted. So yeah, I don't really feel sorry for people who live paycheck-to-paycheck.
Most people aren't willing to sacrifice like this and that's why they never get ahead. People living paycheck-to-paycheck I don't feel sorry for. Every single one of them lives that way because they put themselves in that situation and they're not willing to do the things necessary to have disposable income.
In the late 90s early 2000 we were living off of 8 to $10 an hour. That's between the two of us. So basically like $16,000 a year. But we also lived in a dump in a shity neighborhood for $300 a month that we got on discount because I renovated it myself when I wasn't working, we drove a $2,000 used Honda Civic they got great gas mileage and never needed repairs, we ate surefine brand mac and cheese every night from Save-A-Center, etc. We didn't have any disposable income for like 3 or 4 years straight.
There was a period in time when I was living by myself making $12.50 an hour, paying for my cell phone, internet, Electric, other utilities, rent was 750 a month, car insurance and I still had a little money in my pocket at the end of the week to do what I wanted. So yeah, I don't really feel sorry for people who live paycheck-to-paycheck.
Most people aren't willing to sacrifice like this and that's why they never get ahead. People living paycheck-to-paycheck I don't feel sorry for. Every single one of them lives that way because they put themselves in that situation and they're not willing to do the things necessary to have disposable income.
Posted on 5/17/18 at 6:38 pm to nola000
quote:
nola000
Props to y'all. Posted on 5/17/18 at 6:39 pm to Will Cover
prices of things go up. And wages have remained the same.
Posted on 5/17/18 at 6:39 pm to nola000
Good for you man 
Posted on 5/17/18 at 6:43 pm to nola000
quote:
People living paycheck-to-paycheck I don't feel sorry for. Every single one of them lives that way because they put themselves in that situation and they're not willing to do the things necessary to have disposable income.
frick all that. Reality is, a lot of people get sidetracked by a giant medical bill or totaling their vehicle or a dozen other unexpected, large bills.
Sounds like you were just poor and while that’s the case for many people, others get derailed by unexpected shite and it takes a long time to recover.
Posted on 5/17/18 at 6:45 pm to dukeg
quote:
100k living in $300,000 homes
What’s wrong with that?
quote:
driving $50,000 vehicles
There’s your problem
Posted on 5/17/18 at 6:47 pm to cahoots
quote:
So you have multiple retirement accounts but no emergency fund?
Emergency fund?? I dont see the point. I have a heloc i can access
Posted on 5/17/18 at 6:48 pm to Mingo Was His NameO
quote:
That's like 75-80k
4100 is not 75-80k
Posted on 5/17/18 at 6:50 pm to 13SaintTiger
quote:
4100 is not 75-80k
Take home is $4100. Meaning after taxes, healthcare, etc. It's probably around $75-80k.
Posted on 5/17/18 at 6:50 pm to 13SaintTiger
4100 take home monthly? That’s like 77,000 a year, no?
Posted on 5/17/18 at 6:51 pm to TH03
Depends if they’re claiming married and zero. But if they do that at 80k they probably get a huge refund come tax season
Posted on 5/17/18 at 6:53 pm to Mingo Was His NameO
quote:
That's like 75-80k. That's way above the average and depending on where you live could be a very comfortable living.
Like half a plant operators income. I don't get how they survive.
Posted on 5/17/18 at 6:53 pm to TH03
quote:
Take home is $4100. Meaning after taxes, healthcare, etc. It's probably around $75-80k.
Maybe my calculations are off but that’s effectively a 25% difference. Withholdings shouldn’t be near that for a combined income of $4100 a month
Posted on 5/17/18 at 6:54 pm to Paul Allen
Depends on HSA, IRA, 401 contributions too if you want to truly consider “take home”
Posted on 5/17/18 at 6:54 pm to 13SaintTiger
quote:
Maybe my calculations are off but that’s effectively a 25% difference. Withholdings shouldn’t be near that for a combined income of $4100 a month
How much did you withhold for 401k?
Posted on 5/17/18 at 6:54 pm to Paul Allen
quote:
Depends if they’re claiming married and zero. But if they do that at 80k they probably get a huge refund come tax season
Which would be dumb. $4100 a month combined is more like $65k a year
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