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Started By
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re: Poll: Six-figure earners feel they’re in ‘survival mode’
Posted on 11/18/25 at 8:14 am to ragincajun03
Posted on 11/18/25 at 8:14 am to ragincajun03
Your money is worth 30% less than it was worth before we tried to flatten the curve
0
Posted on 11/18/25 at 8:21 am to Will Cover
quote:
The "constraint"
The constraint comes from people who use unrealistic numbers to make their point. I've already pointed out that his list is very very conservative in terms of what a family normally has as normal expenses.
You say 60-80 bucks for high speed internet and one or 2 streaming services? Please find that deal for me. My Internet is 75 a month, netflix is 20, what am I missing?
Random debt is taken up by student loans easily.
His auto numbers do not include fuel, so that is a very conservative estimation. My families gas budget is $480 a month. That's 1 fill up for each vehicle per week.
In the case of credit card debt, how exactly are they just supposed to up and pay off the debt when there's only enough to make minimum payments?
One restaurant trip with my family of 5 is easy $100. 1,500 a month will barely cover groceries for a family of 4 and it hasn't even started including the rest of the expenses from my previous post.
Make a point if you want to make a point but use realistic numbers and scenarios.
Posted on 11/18/25 at 8:23 am to ragincajun03
There is no wage or housing crisis. There is a location crisis. Everyone believes that they should be entitled to live in the place of their dreams. Not everyone is supposed to be able to afford to live in NYC or Denver. I sure as frick do not live in Louisiana for my health.
Posted on 11/18/25 at 8:24 am to BabyTac
Didn’t you steal from Academy? I’d imagine that helps against inflation.
This post was edited on 11/18/25 at 8:25 am
Posted on 11/18/25 at 8:37 am to ragincajun03
this is a non-story. This is true for people at every income level. People are bad with money. You can find people on 7 figure incomes on the verge of being broke and living paycheck to paycheck.
People will spend what they bring in regardless of income level. I make $180k/yr and at the end the month we barely have $500 leftover just like the days when my single income household was living off of $65k/yr. The crap that you start justifying with every raise is mind-boggling.
People will spend what they bring in regardless of income level. I make $180k/yr and at the end the month we barely have $500 leftover just like the days when my single income household was living off of $65k/yr. The crap that you start justifying with every raise is mind-boggling.
Posted on 11/18/25 at 8:38 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
Yes
Posted on 11/18/25 at 8:39 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
You are way overshooting the weekly take home pay. Knock $1000 a check off of that. A high deductible plan will run minimum $250 a check for a family then you need to fund the HSA account. Most companies match at least 4% 401k so pull that also. Are you not paying state income taxes either?
$100k salary is getting a family man a lot closer to $2200 per biweekly.
Posted on 11/18/25 at 8:44 am to ActusHumanus
quote:correct
There is a location crisis
This is the not the same America the boomers and greatest gen grew up in
Far more of this country is a diverse ghetto shithole, applying massive pressure on the remaining real estate markets in civil areas
Millennials don’t want 4k sq ft houses and new cars, they just want a decent neighborhood that’s somewhat affordable
Posted on 11/18/25 at 8:45 am to idontyield
quote:
Are you not paying state income taxes either?
Not in Texas but our Escrow is higher than most states due to property taxes.
Mine are around 9K a year
This post was edited on 11/18/25 at 8:52 am
Posted on 11/18/25 at 8:46 am to The Torch
quote:
$600.00 kids (daycare, school )
600
Better triple that
Posted on 11/18/25 at 8:47 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.
You mean people spend money on entertainment? No shite
Posted on 11/18/25 at 8:47 am to ActusHumanus
quote:
There is no wage or housing crisis. There is a location crisis. Everyone believes that they should be entitled to live in the place of their dreams.
Or, maybe, people try to live where there are actually lots of good jobs?
Would most folks really be better off moving from NYC to Brewton Alabama with slightly cheaper living expenses in that exploding Brewton job market with stellar wages and benefits?
This post was edited on 11/18/25 at 9:01 am
Posted on 11/18/25 at 8:48 am to The Torch
quote:
Not in Texas
Right. You just fork over about the same amount in property taxes.
Posted on 11/18/25 at 8:50 am to Dawgfanman
quote:
10k solves most issues.
that's four months of health insurance for me.
Posted on 11/18/25 at 8:56 am to Powerman
They are killing us on property insurance too.
That's why my escrow is $2,400.00 a month
At one time it was $1,250.00
That's why my escrow is $2,400.00 a month
At one time it was $1,250.00
Posted on 11/18/25 at 8:56 am to Hangit
it’s hysterical to me that otherwise smart people demand spending cuts for government (rightly) but ignore any inkling of austerity measures at home.
you don’t need all that shite to live well. It’s so fricking easy to live simply and happily. And it starts with the little things that add up to big things
you don’t need all that shite to live well. It’s so fricking easy to live simply and happily. And it starts with the little things that add up to big things
Posted on 11/18/25 at 9:02 am to The Torch
quote:
They are killing us on property insurance too.
That's why my escrow is $2,400.00 a month
At one time it was $1,250.00
Yeah. I'm glad I moved out of Corpus because you have to carry Texas Windstorm insurance there and that's getting ridiculous. And windstorm doesn't include flood insurance which is the most likely fricking thing to happen in the event of a hurricane.
Posted on 11/18/25 at 9:23 am to cgrand
quote:
it’s hysterical to me that otherwise smart people demand spending cuts for government (rightly) but ignore any inkling of austerity measures at home.
you don’t need all that shite to live well. It’s so fricking easy to live simply and happily. And it starts with the little things that add up to big things
Just eating at home can make a big difference. Even with more expensive grocery prices, you can eat for pretty cheap. Dining out twice a week would be more than your weekly grocery budget for most people.
Posted on 11/18/25 at 9:26 am to ragincajun03
The months where I track every dollar I spend are the months where I don’t feel like I’m in “survival mode”. Imagine that.
Posted on 11/18/25 at 9:27 am to Dixie2023
quote:
Where is this $600 monthly quality daycare?
I pay $800 for a good one in Ascension. I'd argue it's likely better than most in BR as well
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