Anonymous #1 1w

Fr this feels so doomerism. Its in line with people on tiktok saying they need at least 150K to live comfortably. Like how divorced from reality can you be

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Anonymous #1 1w

You should see the rent prices. If you make $8000 a month and $2500 of it is going to rent, it starts to add up.

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Anonymous #3 1w

Believe me ive seen rent prices. Really depends on COL + salaries in that area. 2500 for rent on 8000 monthly income is not bad though, the old rule of thumb is that 30% should go to rent and thats right around there. And i know tons of people who spend half or more of their monthly income on rent. If you can’t make 2500 out of 8000 work then thats honestly on you and you need to refinance or be willing to relocate

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Anonymous #2 1w

Well tbh it’s not even 8k that’s just on paper. 95k if you get taxed at 30% (like I do) thats 5541.66/mo. actual usable, and assuming you’re being smart and investing for retirement that should be about 15% of your paycheck. That’s about $4354.16 after taxes or $1854 after rent. That’s assuming again you’re living by yourself, cause a single family home jumps the price up to around $4000/mo., leaving you with $354 monthly for food, utilities, car payments, leisure activities, and everything else

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Anonymous #3 1w

Oh and that’s also assuming you’re not paying for things like your company’s health insurance that’s like another $3000 a year

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Anonymous #3 1w

Well yeah thats different than $8K monthly take home pay. And if you’re living in a single family home that you pay $4000/month for by yourself without another person’s income, that goes beyond “comfortable”. $1854 for monthly utilities, food, etc., is doable especially when thats the total after investing and saving

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Anonymous #3 1w

Well this again goes back to the comfortable part, a single person apartment or studio will not be minimum $2500 outside of large metropolitan cities. Then it just comes down to priorities, a large amount of people live well above their means. Living comfortably vs living unknowingly luxurious is different, we don't need to have 20 subscriptions, eat out/doordash every week, buy into every new trend, etc. If someone can't afford to live in the $2500 apartment, then look for a housemate---

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Anonymous #1 1w

-to split the costs and cut back on some of these luxury items. The big saying is you spend more money the more you make, to live comfortably is not hard but does require sacrifices which a lot of people aren't willing to make and that's how we end up with so much credit card and loan debts.

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Anonymous #1 1w

Agreed. Yeah that was mainly just for example purposes to show what comfortable means. It does kind of suck though that with that much money you might need to consider living with someone else

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