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Posted on 8/8/24 at 4:24 pm to DRock88
Kids are the real hole in the bottom of the boat.....especially if you are paying for private school. Mix in a nice vacation every year and all of us are living paycheck to paycheck.
Posted on 8/8/24 at 4:24 pm to xBirdx
quote:
120-130k annual combined income w
I consider my household lower middle class and our combined income higher than that so I don't know
Posted on 8/8/24 at 4:27 pm to DRock88
quote:
These threads always make me feel real good about myself. Just when I think I might have a spending problem, I realize I'm far from it. Also, it's still somewhat a mystery to me how some people can live the way they do. $200K combined income in a $500K+ house with 2 cars at $75K+ each, 2-3 kids in private or Catholic school, the finest of clothing, the finest of dining, they've got it all. The math just doesn't math
THIS!!!
Make it make sense to me…. In the grand scheme of things I know I’m much better of then most. It I see the above situation and just wonder…. I know these people can’t make That much more than me… but every weekend they are spending $100s on gas and party favors and eating out, and $200 gold rounds, every weekend.
I’m here talking my kids to wait until next week when I get paid to go buy cleats for football….SMH
Posted on 8/8/24 at 4:31 pm to Tammany Tom
quote:
Even with your employer paying 50% of the cost, medical insurance for a family is going to run you $800 a month min.
That would be a shitty employer insurance plan.
Posted on 8/8/24 at 4:42 pm to jwalk38
This calculator says baton rogue earns more than San Francisco.
Posted on 8/8/24 at 4:56 pm to xBirdx
quote:
$200 cell phone
I don't know how many lines you have but you can switch to a prepaid plan and pay $25/month per line for unlimited everything
quote:
$120 direct tv
Drop this and research IPTV. The going rate for a reliable service is $10/month. What you pay in one month with DirecTV would be an entire year with an IPTV subscription.
quote:
$90 internet
Not sure who your provider is but I'm at 100 Mpbs and pay $50/month. That's plenty for 4 users.
I'd probably nix the eating out part or drop it by half. There's options in your budget to save an extra $300 per month or more.
This post was edited on 8/8/24 at 4:57 pm
Posted on 8/8/24 at 4:57 pm to Odysseus32
quote:
Car insurance - $150
He said Louisiana. There is no way you have two cars insured in Louisiana for $150. And you damn sure don’t have your college aged daughter on that.
Posted on 8/8/24 at 5:00 pm to BigBinBR
quote:
He said Louisiana. There is no way you have two cars insured in Louisiana for $150. And you damn sure don’t have your college aged daughter on that.
I'm paying $217 for three vehicles. Granted, it's not full coverage on all three. Just one has full, the other two just have liability(older vehicles, not worth it).
Posted on 8/8/24 at 5:00 pm to Jenious
Prepaid phone plans? Legally gray TV? 100mbps internet?
Strong lower middle class vibes.
Strong lower middle class vibes.
Posted on 8/8/24 at 5:03 pm to Jenious
quote:
quote: $200 cell phone I don't know how many lines you have but you can switch to a prepaid plan and pay $25/month per line for unlimited everything quote: $120 direct tv Drop this and research IPTV. The going rate for a reliable service is $10/month. What you pay in one month with DirecTV would be an entire year with an IPTV subscription. quote: $90 internet Not sure who your provider is but I'm at 100 Mpbs and pay $50/month. That's plenty for 4 users. I'd probably nix the eating out part or drop it by half. There's options in your budget to save an extra $300 per month or more.
4 phones theu att. Kids always breaking, etc. and don’t have $1k to buy new ones. But as on as they are paid for, that’s what I’m doing.
Direct tv for kids, sports, wore shoes, etc - non negotiable unless it gets real bad lol.
$90 thru ATt- fiber if that counts for anything. Work at home so need dependability
$400 month is eating out usually 1x per week, plus maybe grabbing lunch one day a week, etc. seems like eating out is a cheaper activity for the family actually …. Movie plus one tub of popcorn is $75 for 4 people. Same for bowling… top golf more expensive, etc. then you usually grab something quick , cheap (still $40) while your out
Posted on 8/8/24 at 5:05 pm to Odysseus32
quote:notes and insurance for a couple of civics...
Cars - $600 ( 2 notes)
Car insurance - $150
Posted on 8/8/24 at 5:08 pm to xBirdx
quote:
Make it make sense to me
A ton of people don’t save money for retirement, some people have help from their parents, some people bought a 500k house when interest rates made their monthly note equivalent to a current 350k house, some people don’t send their kids to private school, there’s ton of different variables that could play into it.
Posted on 8/8/24 at 5:10 pm to BigBinBR
quote:
He said Louisiana. There is no way you have two cars insured in Louisiana for $150.
I pay $140/mo for a Lincoln Aviator and a Jeep Wrangler.
Posted on 8/8/24 at 5:13 pm to Epic Cajun
quote:
I pay $140/mo for a Lincoln Aviator and a Jeep Wrangler.
Our insurance was like $175/mo for my wife and I bundled with our home, but then we added a teenager a year ago
Posted on 8/8/24 at 5:14 pm to MattA
quote:
A lot of people are stretched thin these days, esp if you have multiple kids. We are six figures between us, but toss in private school, braces, outrageous grocery bills, high arse utility bills, etc, and it’s tough. The last few years has been more about survival rather than getting ahead.
Wait until the Trump tax cuts expire if Cumcakes wins. You will be looking at a yearly tax increase by a factor of four each year.
She will then say it's time to reclassify the "rich" (she will decrease that value from 400k to 200k) and install at 40% tax rate on that income for anyone making over $200k to install government programs to pay for more UBI, Government healthcare, transgender surgeries etc.,
Ya'll haven't seen nothing yet. Buy gold, buy land, whatever you need to do.
Bookmark this.
Posted on 8/8/24 at 5:46 pm to fallguy_1978
quote:
Spending $2500/mo on food seems a bit excessive for a middle-class family
2500 is exactly our grocery budget, not including eating out. It's all the household supplies too though. There are also 6 of us, and 4 are male. We could get by on less, but at the same time we shop the weekly deals and still use a shite ton of coupons.
Posted on 8/8/24 at 6:21 pm to xBirdx
In the 1990's I saw a statistic that for a single person to live affluently in Louisiana they needed to make $75k/year. Certainly not the case today but $75k - $85k per year would have a single adult live pretty well in pretty much any of the bigger population centers in the state. West Memphis, AR is offering $10k cash to anyone who can relocate and maintain their current job as long as they are making at least $80k/year and buy a house. $5k if they rent in the area. $80k/year would put you amongst the higher earners in West Memphis My fiancée and I have a combined income well over $300k, no children, no vehicle notes, no expensive hobbies, we live way under our means, so we don't worry about the usual bills and we have considerable cash and retirement savings compared to our mid-30's/early-40's peers. Our trucks are 20 years old but when I read things like how few people have emergency savings, we have over 18 months worth of cash to cover all bills +10%, I don’t feel like I'm missing out on much.
My fiancée and I have a combined income well over $300k, no children, no vehicle notes, no expensive hobbies, we live way under our means, so we don't worry about the usual bills and we have considerable cash and retirement savings compared to our mid-30's/early-40's peers. Our trucks are 20 years old but when I read things like how few people have emergency savings, we have over 18 months worth of cash to cover all bills +10%, I don’t feel like I'm missing out on much.
Posted on 8/8/24 at 6:24 pm to fallguy_1978
quote:
People in that income range often stretch themselves thin with 60k SUVs and such.
So you mean a cheap car?
Do people just ignore prices of homes and vehicles right now?
Posted on 8/8/24 at 6:49 pm to elprez00
quote:
So you mean a cheap car?
Do people just ignore prices of homes and vehicles right now?
60k is a very expensive vehicle to me. I agree that they are stupid expensive, but I just wouldn't pay it.
Much of my adult life, I've had a family of 4. I've never spent more than 35k on a vehicle. You can haul that sized family around in a CR-V or Camry.
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