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Posted on 11/18/25 at 7:08 am to ragincajun03
Maybe that 84 month loan on a unreliable Ford Super Duty that you don't need was a dumb idea.
And so was that boat that you use 3 times a year.
And so was that boat that you use 3 times a year.
Posted on 11/18/25 at 7:15 am to The Torch
quote:
- $1,000.00 car loans/maintenance - $550.00 Car Insurance
Insurance should be half that for two decent vehicles
I pay around 140 a month for full coverage on my 2019 gmc Sierra x31
Posted on 11/18/25 at 7:19 am to The Torch
quote:
100K Pay breakdown - Bi-weekly (every two weeks) ~$3,195 (based on 26 pay periods). This is after taxes, 401k, health insurance is taken out
$3195 x 2 = monthly take home $6390.00
- $2,400.00 Mortgage - Escrow with Taxes/Insurance
- $1,000.00 car loans/maintenance
- $550.00 Car Insurance
- $300.00 Electric
- $250.00 TV< INTERNET, Subscriptions etc
- $600.00 kids (daycare, school )
- $450.00 random debt
Leaves $840.00 "a month" for food and entertainment, ain't nobody getting rich on that
People are going to break down your list like it isn't reality, if anything it's a conservative reality. The list doesn't include cell phone plan, school/daycare is brutally low (3 kids in public school is half that for just lunch), no student loan debt, garbage bill, water bill, etc etc.
Groceries for my family of 5 are usually about 300-400 a week, we cook at home, meal prep lunches for the week, don't eat garbage (no soft drinks and sweets).
Throw in some after school activities, my 2 oldest are playing rec basketball, 320 in registration fees, need a basketball, need shoes, another 100 per kid.
Then the emergency stuff, need to replace 2 posts on my porch, 2 pressure treated 4x4 posts is 50 bucks, plus hardware
It adds up way faster than anyone cares to admit.
This post was edited on 11/18/25 at 7:20 am
Posted on 11/18/25 at 7:20 am to ragincajun03
Yep! I earn almost double what my parents earned TOGETHER when I was growing up and we are always counting down the days to payday. I don’t know how my parents raised three kids, paid a mortgage, and made us feel loved and ensured we never went without with what their income was.
That’s the kind of parenting that I PRAY my wife and I are providing to our kids right now. Only time will tell.
That’s the kind of parenting that I PRAY my wife and I are providing to our kids right now. Only time will tell.
Posted on 11/18/25 at 7:21 am to jimmy the leg
quote:
- $2,400.00 mortgage - $1,000.00 car loans/maintenance/Car Insurance - $300.00 Electric - $150.00 TV< INTERNET, Subscriptions etc -150.00 for “stuff” Leaves $2,390.00 "a month" for food and entertainment, ain't nobody starving on that.
You completely left out Groceries and Health Insurance Grandpa.
Posted on 11/18/25 at 7:21 am to Hangit
quote:
Buy a camper
This is a dumb take.
Posted on 11/18/25 at 7:22 am to Gifman
quote:
correct... this is not "well off" anymore.
When I was young my goal was to earn 100-150 and be well off.
I’ve above that for quite a while but it seems the higher I go the less well off I feel.
Posted on 11/18/25 at 7:26 am to AUJACK
Another issue is people are lazy and don’t fix or do their own maintenance.
Someone else cuts my lawn, does my oil changes, fixes very minor issues on home/cars.
With YouTube and the internet, there is zero reason to not see if you can fix/maintain/do something yourself.
Fixed my microwave that would come in if you opened the door. 5$ part
Fixed a gas fired home heater. Gas valve wasn’t getting electricity to open. Cleaned the contacts with some electrical spray. 5$ can.
Car fuse box had a known control board issue. Researched. $200 to send off to fix it. Removed and reinstalled myself. Mechanic wanted $700. It was just a handful of wires and a couple of bolts.
4 inch yard drainage line was broken. Dug it up and repaired. Actually got lucky and found a 4 inch discarded pipe on the side of the road. 4$ coupling to connect old to new.
Fixed a leak on my dishwasher. $20 seal.
Fix seals on my pool pumps. $10 a seal.
I could go on and on.
Nowadays people just want to call someone. Well you gotta pay the man then. You want to act like you’re rich, well you better have the $.
We’ve gone from a nation of being self reliant to reliant.
Someone else cuts my lawn, does my oil changes, fixes very minor issues on home/cars.
With YouTube and the internet, there is zero reason to not see if you can fix/maintain/do something yourself.
Fixed my microwave that would come in if you opened the door. 5$ part
Fixed a gas fired home heater. Gas valve wasn’t getting electricity to open. Cleaned the contacts with some electrical spray. 5$ can.
Car fuse box had a known control board issue. Researched. $200 to send off to fix it. Removed and reinstalled myself. Mechanic wanted $700. It was just a handful of wires and a couple of bolts.
4 inch yard drainage line was broken. Dug it up and repaired. Actually got lucky and found a 4 inch discarded pipe on the side of the road. 4$ coupling to connect old to new.
Fixed a leak on my dishwasher. $20 seal.
Fix seals on my pool pumps. $10 a seal.
I could go on and on.
Nowadays people just want to call someone. Well you gotta pay the man then. You want to act like you’re rich, well you better have the $.
We’ve gone from a nation of being self reliant to reliant.
This post was edited on 11/18/25 at 7:30 am
Posted on 11/18/25 at 7:29 am to BoogaBear
This board is predictable if not anything. A year ago the economy was in the trash and the middle class was being crushed by inflation. Only one man could save it.
Fast forward a year later and it’s your fault if inflation is hurting your ability to save. Wonder what changed.
Fast forward a year later and it’s your fault if inflation is hurting your ability to save. Wonder what changed.
Posted on 11/18/25 at 7:29 am to dyslexiateechur
quote:
Making 100k a year is vastly different from making over $200k a year.
The “six figures” metric has outlived its usefulness by at least a decade. They need to recalibrate.
Posted on 11/18/25 at 7:31 am to go_tigres
The more you make the more it costs.
Increase tax brackets.
Increase lifestyle. Not talking $75,000 truck but if you live in Louisiana, then your kids go to private school. You pay for their college because earners pay tuition, poorer kids go for free through Pell grants and state aid.
Success actually increase your need to be more successful because in the end you pay more.
I have about $40,000 in property taxes coming due next month.
It’s the price you pay for success
Increase tax brackets.
Increase lifestyle. Not talking $75,000 truck but if you live in Louisiana, then your kids go to private school. You pay for their college because earners pay tuition, poorer kids go for free through Pell grants and state aid.
Success actually increase your need to be more successful because in the end you pay more.
I have about $40,000 in property taxes coming due next month.
It’s the price you pay for success
Posted on 11/18/25 at 7:31 am to Turnblad85
quote:
If making 6fig and are struggling to make ends meet, you are bad at managing money, let me be clear, full stop, end of discussion, period
Lots of variables there. How many kids do you have? Where do you live? What’s your health insurance situation? What’s your health situation? Etc.
Posted on 11/18/25 at 7:31 am to BabyTac
quote:
I’d like to pick apart these people’s budgets. I’m willing to bet 6 figures that there’s a ton of waste on food, vehicles, insurance, streaming services, Ubers, and entitled living locations.
of course but if you cant live wtf is the point?
people are terrible for with money but most people do not want to live like its 1972 either.
Posted on 11/18/25 at 7:31 am to ragincajun03
Now let's examine their spending habits, starting with the vehicles theyre driving...
Posted on 11/18/25 at 7:32 am to tigeraddict
quote:100k in Baton Rouge still isn’t great
$100k salary in Baton Rouge is not the same as $100k in New York/Los Angeles…..
Posted on 11/18/25 at 7:35 am to jimmy the leg
quote:
$2,400.00 mortgage
- $1,000.00 car loans/maintenance/Car Insurance
- $300.00 Electric
- $150.00 TV< INTERNET, Subscriptions etc
-150.00 for “stuff”
Leaves $2,390.00 "a month" for food and entertainment, ain't nobody starving on that
Now add in $1500 a month for health insurance if you’re self employed or work for a small company that doesn’t offer an employer paid plan. And $500 a month to have money in a retirement account. Now you only have $390 a month leftover
Posted on 11/18/25 at 7:36 am to ragincajun03
I’ve gotten a lot of push back on this board but my breakdown of current class structure in the US is as follows:
0-50 Percentile - Poor
50-90 Percentile - Middle Class
90-99 Percentile - Upper Class
Top 1% - Rich
I suspect that the lower class will continue to expand while the middle and upper classes contract upwards.
0-50 Percentile - Poor
50-90 Percentile - Middle Class
90-99 Percentile - Upper Class
Top 1% - Rich
I suspect that the lower class will continue to expand while the middle and upper classes contract upwards.
This post was edited on 11/18/25 at 7:53 am
Posted on 11/18/25 at 7:37 am to The Torch
quote:
100K Pay breakdown - Bi-weekly (every two weeks) ~$3,195 (based on 26 pay periods). This is after taxes, 401k, health insurance is taken out
$3195 x 2 = monthly take home $6390.00
- $2,400.00 Mortgage - Escrow with Taxes/Insurance
- $1,000.00 car loans/maintenance
- $550.00 Car Insurance
- $300.00 Electric
- $250.00 TV< INTERNET, Subscriptions etc
- $600.00 kids (daycare, school )
- $450.00 random debt
Leaves $840.00 "a month" for food and entertainment, ain't nobody getting rich on that
I agree with your breakdown—a $100K salary nets about $6,400 per month after taxes and deductions, and the fixed expenses you listed are realistic for most families.
Two items, however, are largely discretionary rather than fixed:
The $250 for television, internet, and subscriptions can be reduced to $60–$80 by canceling cable or satellite service, keeping only essential high-speed internet, and retaining just one or two streaming platforms. That saves $170–$190 per month.
The $450 in “random debt” payments (credit cards, personal loans, etc.) can be eliminated entirely once the balances are paid off. That adds another $450 to monthly cash flow permanently.
Making both changes increases the $840 leftover to roughly $1,460–$1,500 available for food, dining out, and family activities — a meaningful difference.
The "constraint" usually comes from ongoing consumer debt and premium entertainment spending. Removing those requires intentionality, committment and delaying pleasure -- of which, most people, suck at.
Posted on 11/18/25 at 7:37 am to ragincajun03
this all boils down to cost of living
west coast or northeast for example,100k-200k is struggle money
you can live comfortable on that in a huge percentage of america though
but yet again it gets even more narrowed down to individual situation, like total family members
west coast or northeast for example,100k-200k is struggle money
you can live comfortable on that in a huge percentage of america though
but yet again it gets even more narrowed down to individual situation, like total family members
This post was edited on 11/18/25 at 7:39 am
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