I make 105k a year living in Colorado and im living paycheck to paycheck. Im in my early 30s and I live with my mom(1000 rent a month + extra when I feel like it), shitbox car is paid off, dont take vacations. Only vice is organic food from whole foods(dont want to end up sickly as I age). My medical insurance doesnt pay for shit until I spend 5k ina ywar, I spent 2k trying to fix my back problems(turns out i should have listened to the con-artist artists medical professionals who dont me not to deadlift, im way better now that I started). Dont smoke weed, dont drink, no cigs. On occasion I would do a xan or Adderall from my stash which I paid 500 bucks for. I dont mismanage my money, thats just how much it cost to eat organic, have occasional medical problems, maintain a shitbox(+gas) and occasionally pay 3 bucks for a movie i want to watch.. 100k is poverty wage. King soupsrs food is cancer slop. I am interviewing for 150k currently.. Which is basic slop pay now. I lived a better life in 2016 making 40k. Every week it was concerts and lots of exspensive drugs and drinks. Also traveled.. Shit isnt the same no more. It says 1 doller im 2019 is 1.27 now. BS, its more like 2.27 now..After taxes I only take home 5600 a month btw
I di pay for internet and heating so add another 300 to that 1000 bucks rent.And dont tell me to eat king soupers slop u peasant.
>>61430016i make the same amount as you and save 1k a month in my 401k and save 3k a month to my brokerage acc. skill issue.
My money conscious coworker who makes 112k only saves 1000 bucks a month, not willing to eat cancer slop for 1000 bucks a monthI spend about 120 bucks every 2-3 days on food
>>61430023Beacuse u eat king soupers slop. I will live longer than u..
>>61430016That's crazy I have multiple terminal illnesses and make 0 dollars a year, and disability denied me after 3 years of battle forcing me to come up with 600 dollars in 60 days to appeal it one final time, which we know what they would say, I wasn't able to come up with the cash, and this is just the tip of the iceberg of my terrbile fucking life.Must be nice to make 105k a year, I've somehow nearly made it to for 40 while sick with absolutely no income for the last 3 years.Toughen up you faggot.
>>61430031this is the 2nd time you posted this thread. eating healthy and cheap isn't hard. rice, beans, veggies, chicken, beef. you're a retard who thinks eating at whole foods is some status symbol when you can get the same shit at the discount grocery store.
fuck your day job, what this really means is the bar to get rich is way higher. i keep doing the math on 3 million invested at 4% and its not even enough to comfortably crash on vrbo couches and still save at the end of the month. everything is way too expensive, 10 million is the new retirement amount
>>61430039There's a few tranny faggots and indians still lurking here, considering he's from colorado we can assume the first.He seems like a leftist faggot why i posted my QRD because I know this loser and he loves attention, sometimes I derail his threads and someone actually helps me, I haven't posted in like half a year.
>>61430016I had a bad year in 2024 and only made $120k (I run a business) and I got by just fine with a wife, kid, two cars and a house.
>>61430034I was sick for 1.5 years with a bone infection, it was like having the flu every day. I feel for u.. its a hell no one but those who went through it can understand >>614300392nd time in 3 months, do u spend all ur time on here?>>61430041U are supposed to play the real estate and landlord game, im gonna start once I get my new job>>61430043Im more right winged than u, i dont have shot colored eyes like u paco
>>61430047House paid off? Car paid off? Yall eating king soupers slop? U cant make low quality food taste good lmao. I am getting by, lots of free range grass fed no antibiotic prime rib, just no savings.
>>61430016>i eat like I make $1million a year so I'm poorGreat, eat like you make 100k a year and you won't be poor. The stress will kill you faster than kroger ground beef
>>61430048i was hoping to park it all in USDC and just use a debit card to live because i dont feel like doing taxes but its looking like im going to have to, or find more creative ways to get my money out, but i am not a smart man
>>61430048You're the same annoying faggot who's infected this board only fucking infection here is you tranny, same replying style for the last 5 years, you're tiring and you pushed xanax and adderal on people for years, hopefully some faggot in a charger slams into you and disables your ass, you're absolute human trash like I said I remember you very clearly.
>>61430016me and my brother share a 5k beater. we are saving 200/week each
>>61430016Anon, you are wasting money somewhere.I make $101,000 a year and have $3,200 a month free cash.And my dumb ass lives 30min from Seattle WA.
>>61430048Like the other anon said you've posted this thread multiple times, the only angle I can come up with is you're a full time scammer, or you're an attention whore, probably a mix of both, I haven't been here for ages and it's like I haven't left a day.Sad is you've spent years spamming this board when nobody even posts here anymore.
>>61430016>I make 105k a year living in Colorado and im living paycheck to paycheck.how do americans manage to do this? i know op explains but it makes no sense. how can one live like this without first living frugally for a while to save up a nice nest egg?
When people say six figures is a good income, this is what they're imagining
>>61430016I also live in Colorado. Boulder even which is one of the most expensive cities in an expensive state.Make slightly less then you (92k Pre tax)Live with family paying about 1400/mo including utilitiesand yet I managed to max out my 401k and invest an extra 30k on top of that.So stop being a whinny faggot addicted to fake luxury products get a costco membership and figure out a budget.
Skill issueI save about 5k a month on a similar salary
>>61430123It doesn't make sense because he's not providing detailed numbers
>>61430016This doesnt even make sense retard.>i earn 5.6k and pay 1k rent and for foodYeah you at the very fucking least save 3k a month.
>>61430016I make $115k a year in Cheyenne. I work abroad in a lcol country half the year. When I’m in the states I rent a room month to month for $1k. It does suck having to constantly move and find a new place to live every year. This nomad lifestyle allows me to save around $50k a year. Living Wyoming is cheap and if I really need something I can drive 45 min south to Fort Collins. I don’t contribute to 401k. Just stacking cash, metals, and slurping crypto in dips.
>>61430016Why does everyone on the internet make $100k-$200k, but IRL companies are comprised 90% of people making like $50k-$80k
>>61430016you do mismanage your money...i make barely more, but live on my own and never spend more than 4k/month...usually only 3
How? I make around 100k, expenses are around 2000 mo. I still have 3-4k left over to buy guns and precious metals. I spend 500-600 on food for 2 people
>>61430256>>61430256Well, I'm sure the average person on /biz earns more than the average person on /hentaiLots of people earn 100k, it's not what it used to be, but how far it goes is highly variable. Trying to support a wife and 3 kids in a hcol area, and you're literally poor. Being single in a lcol, you can live like a prince.
>t. All Ineat is avocado spread and starbucks
>>61430048You know op, i eat crackdonalds and pizza everyday. Im 29, i have not been to the doctor or had a blood test in over 10 years. I an 6’1 and weight 180-190 depending on the week. I also used to caddy, i used to walk 15-20 miles a fucking day for work. Now im in the car business making more than you. I still spend around 20$ a day on fast food. I feel amazing. >ill live longer than younot with your shitty health problems. Who knows maybe it is genetics.
>>61430083First of all no it wont, u get ur heart attack after u retire and dont moveSecond whats the point of living if u have to eat slop?
>>61430092Lol how miserable is ur life that u get pissed off at someone making 105k poverty wage lol? Manual labor much. U might as well do xanax and Adderall
>>61430093>800 bucks a monthThat would get u an audi..>>61430097What's ur expenses and what do u eat? Unless someone is taking money out my account I dont waste money in anything..
>>61430100I omly posted this thread once before so if other people post it then it seems its a larger problem. Also how pathetic of a manual laborer are u that u seeth at 105k in 2025?
>>61430123I am interviewing for 150k+. I would rather just make more money than live frugally. Also I am living frugally. Organic food is not a negotiable. It makes more sence to live longer and healthier. And im not a hypocrite that eats organic while vaping or doing weed or drinking. I do one xanax a month and thats until my stash runs out when I do adderal its to get shit done and im working on shit that will make me money in thw future anyways. Working out every day more than offsets the occasional Adderall. I woild rather be poor than rich with even mild health problems.
>>61430125Exactly, now THAT is lawyer/doctor money.. THAT is 6 figures. Glad someone on this board has common sence.
>>61430146Costco is slop. Will not polute my body. Also I doubt that I am spending 30k on whole foods. I spend about 18k a year on food it seems. If I eat Costco slop I will spend like 10k. I would rather spend the 8k .Also, 401k lol, im gonna invest in rental property and play the debt game. Also dont plan on retiring cu, i like my job, not that any of us will have one in a year but my UBI will be higher than urs cuz it will be based on how much money u were making when robots took over
>>61430397It's probably that one autistic retard who eats $100 of Whole Foods ribeyes a day
>>61430478You don't need to spend $50 a day to eat healthy
>>61430239Gas, internet, heating, random medical, food is more like 2k a month 100 bucks for on demand slop, just got a new compuer which i needed, had to buy a 2k bed for my back 100 bucks a month cuz i owe the irs 4 grand, 100 bucks a month for my student loans(pkay 40 but still).. desu it still doesnt make any sence but I dont see any weird charges on my account so idk.
>>61430505Anytime someone rattles off expenses like that, they always miss like 12 things, and underestimate the stuff they do list
>>61430273>2-3k on food>1k on rent>350 on internet and heat>100 on on demand slop>1k every 2-3 months on keeping shitbox operational >Spent 5k this year trying to fix my back when all I needed was to start doing dead lifts again>Just got a 1.5k computer i need to start working on my patents(i need a 15k one actually, whcih is why im looking for another job)>some months send my grandma 500 bucks cuz shes in eastern eruope and poor
>>61430528Wait, now we're up to 3k a month on food? $100 a day? Lol
>>61430016move to a different state then faget
Ill just fucking take yall what happens to my paycheck and tell me what im doing wrongPart 1
>>61430554Part 2, 600 is rent to my mom, gave her an extra 100
>>61430558Forgot pic
>>61430554>spends $20 at subway>i won't poison my bodygtfo of here retard lol
>>61430561Part 3
>>61430568Part 4, no idea wtf is CF united..
That's not how you track expenses
>>61430576Part 5, 400 is to pay off my credit card but I had 400 to start the paycheck off so lets just call it even
>>61430588Part 6
>>61430591And part 7, got 5p0 bucks left, get paid Thursday. 200 more than when I started at the beggining of the paycheck. Until a random mole starts growing and I gotta pay 300 bucks to make sure chat gtp Is accurate(it always is). Also I gotta spent another 100-150 on food by Thursday so really im back were i started. Thats okay cuz im about to make 150k then job hop in a year for 200k. I have the excperince and degree to demand it. I just accepted a low paying job cuz it had wfh..
How does mcdonalds and Chick-fil-A fit into your organic kick?You don't track expenses by scrolling through your transactions at one institution, you have to categorize all transactions, then you'll see where money is coming and going
>inb4 people make fun of me for doing chicken filet a when I eat organicI work out a lot, I need as much calories as I can, some mornings I dont have time to cook czu I need to stiff my face with 3.5k calories a day and I need time for my stomach to empty. Right now I want to go to sleep but I gotta wait another 2 hours before I can shove a steak into my hole>inb4 skinny fat pathetic excuses for men try to tell me that working out and being buff is not nessesary or think being thin and ripped matter in a fight or to women or general is noticvle if u are wearing a shirt
>>61430627Ye ik, im gonna go to a financial auditor.. but u can see that the money disappears in a week and there is nothing crazy. The 400 bucks to apy off my credit card isnt usual I guess but I havent sent any money to grandma this paycheck so other stuff usually eats up that 400
You sound like a retard with cognitive dissonance I really don't think you'll get a 150k job
>>61430627Also a out the McDonald's, i dont do it often, yesterday I had no time to make myself food before I had to leave for a bit. I need to stuff my fsce with 3.5k calories a day, its hard when u aren't eating slop. I tried to stuff my face with 3.5k calories slop when I was younger and crashed out hard and fast and remaind a skinny twink fuck. That shit hurts ur organs and makes u feel like shit with no energy. Now im 20 lbs heavier than I have ever been, proud of myself.. when I hit 220 I can start cutting. But that will be another year, I gain mostly muscles, too higg metabolism to gain a lot of fat.
"paying off" a credit card isn't spending money, the money was spent at the moment of the credit card transactionYou don't even need a financial advisor, just plug everything into a program
>>61430648I got the 3rd round interview and I usually kill those. I got other interviews as well. 150k is not impressive. Its basic welfare wage in 2025..
>>61430659What program is this? Can I just link it to my bank account?
>>61430554i know where you live now :^)
>>61430566It was a one time thing cuz my coworkers is a zutt lover and all the halal places were closed. It tasted like ass. I remember subway used to be good, what happened?
>>61430670Come say hi! I lose all my freinds to death or liberalism, im very loney. Ill buy us cookers and blow.. or just a road trip. No midwits..
>>61430016>m living paycheck to paycheck. Im in my early 30s and I live with my mom(1000 rent a month + extra when I feel like it),That's weird because I'm maing about 400 bucks a day right now, pay my mom nothing and am saving like 95% of what I make.
>>61430669My budget book proIt's doesn't support online linkingIf you want that, get something like mint or empower personal capital, although the latter is more geared towards net worth tracking, not transaction categorization
>>61430680Thats more than me..I dont pay my mom nothing..
>>61430016I don't believe you're being honest with us, since I'm in the same situation except in North Carolina and I'm able to put thousands away every month. How the hell can you not live on $5600 a month?If you have medical insurance at all, why are you paying for Adderall or Xanax at all, much less $500 for a single pill? Is your occasional use multiple times a week?Go get a primary care doc and tell them you have ADHD and you'll pay whatever your primary doctor co-pay is once every three months and probably get bottles of adderall for free or for double digits for an entire bottle. Your 5k deductible is for major medical problems, surgeries, visits to the Emergency Room and so on. That's just how insurance and deductibles work. It's always cheaper to go to your primary care provider.Reexamine your life, what kind of "organic food" are you eating? What kind of weight lifting supplements are you wasting your money on?
I feel like your mom’s overcharging you, isn’t Colorado Springs cheap as fuck?
>>61430706My occasia9nal use is like twice a month, not getting a persciption cuz the 500 i paid is still keeping me going almost a year later. I eat steak, prime rib to be exact. And sushi. I dont spend money on weight lifting supplements, no fap increases ur test by 45 percent, why would du take supplements. I posted my exspesives for a week, u can see ur self
>>61430051>king soupersYou keep banging on about this King Soupers thing. Not being from Colorado, I thought it might be like a safeway/food lion/smart and final discount store, but no, Nigger is refusing to eat from a standard mid-range grocery chain.Die in a fire, you lazy entitled piece of shit
>>61430712I dont live in co springs and yes it is and no i will not move there..I drive there once or twice a week to suck hells angels dicks... btw that sushi is 2 giant rolls, im not overpaying, im on a bulk..
>>61430718I eat Rib Eye and New York Strip steak and grass fed beef. From Harris Teeter and Lowes.
>>61430724The food there that's like dogs hit, i would rather just get a higher paying job than eat from there. Tried a steak from there recently, tasted like cardboard, also bout the same price as whole foods. I wont die in a fire cuz I dont have diabetes that will make me pass out like u u skinnyfat pathetic excuse for a man. No muscles, no right to vote. Thats what I always say
>>61430732Is it like the rib eye from Costco cuz that tasted like complete dogs ass. Is it grass fed? Free range(animal suffering isnt cool), antibiotics free?>inb4 whole foods isn and is lying to meSays the person who dod 0 seconds of reserch..
>>61430718And I have an Adderall Prescription that I pay fuck-all for and actually need and get 90 pills free every three months with a quarterly $25 visit to my doctor, I don't just take it to get high.>>61430736You're a lying sack of shit. Are you being paid to demoralize here or do you get Izzat from it?
>>61430256Most western 1st worlders make above 100k but that's BEFORE taxes.They never mention that or their narrative will crumble.
>>61430738I wouldn't know, I've never bought Ribeye at Costco and I know how to cook.
Yeah, you you spent a ton in a week, with lots of discretionary expensesAnd a week is really an irrelevant period of timeA month is the minimal useful period of timeA quarter is better, since it captures non-monthly expenses and sources of income (i.e. quarterly dividends)A year is goodTwo years is awesome, because then you can do year over year comparisons
>>61430738If you're not just larping, my cousin is a Whole Foods manager. Yes, they are absolutely lying to you and selling you a lifestyle, not superior food, and you're a sucker just like everybody else who shops there.
>>61430739U take Addy every day? Lmao u retard. I get booted on 60 mg once a month and get ahead on work or whatever im doing. Every day is retarded. Try eating organic food and u wont have ur fake Adam. Maybe work out or do no fap(stop draining ur doapmean, adderal stopped ur doapmean draining, which is why u need it). I cant have a persciption, I cant have it on any record that I do drugs or have any mental problemTelling people to eat organic is demonization? Kkkkay
>>61430744Cooking wont fix bad meat or food..>>61430745Not much discretionary. Like 100 bucks and best buy and microcenter cuz I needed somwthing.. Everything else is food or rent. I havent even paid the ehating or internet yet.. but ye i get ur point.
>>61430750And my dad works for Nintendo It tastes way better. Ur cousin is just coping thst she cant afford to buy that food and seeths at the middle upper class customers that go there lmao
>>61430750They dont sell this shit at king sloppers let alone sprouts(I go there for the poke..)
You spent hundreds on fast food and digital media in one weekThat's the definition of discretionary
>>61430775Forgot pic
>>61430123I live in California, and this faggot is either trolling or not telling us something. My salary is very similar. I get scammed by my health insurance and my rent is way more than his, despite this I'm able to save over 1k a month and put some into a portfolio each mont. He's either retarded or rage baiting
>>61430781I spent like 17 bucks on movies, a good movie is worth it. Also both apple movies so i can watch vince gillians new show, worth it, its great. I bought one game from steam, first one I bought in like over a year. Oblivion remastered, haven't even played it yet. Probably not gonna play it cuz video games are for people under 22 years old and i cant collect pixles anymore
>>61430790I posted my weekly expenses. U eat king soupers slop and i will outlive you. Certainly outlift you.. . I already went over this..
And I'm not even against discretionary spending. About 20% of my spending is discretionary, but I'm aware of it, and can see what it is and how much it isYou think you don't have much discretionary spending, but it looks like you have a lot
>>61430757Telling people it's impossible to eat healthy when you make 100k a year and live with your mother is demoralization. I do no fap, I do go to the gym 4 times a week. Nothing "goes on your mental health record" unless you're involuntarily committed. Prescribed Adderall isn't "doing drugs". I take it to feel normal and be able to focus on daily tasks, not to "get ahead on my work once in a while.">>61430783Pajeet, they sell Seggiano at fucking Walmart.
>>61430802Wym? Its all food?
>>61430793So refund the game on steamStop eating fast food multiple times a weekActually track and categorize all your transactionsNot just into your checking account, any time a dollar goes into or out of an account you hold (checking, brokerage, 401k, etc), track it
I'm 90% sure he's trollingIf he's serious, he suffers from cognitive dissonance, and will always be poor
>>61430863https://www.walmart.com/ip/Pack-of-6-Seggiano-Organic-Fusilli-Pasta-13-2-oz/12080072348WALMART
>>61430435I spend about $650-750 a month on food.I don't eat out much Usually stick to healthy foods.If I went full cheap more I'd be able to do $400 a month likely.You are losing money somewhere.Bad tax withholding?Accidentally adding 30% to your 401K?
>>61430889He's a spamming attention whore like I said 43 posts of his schizo bitching prior.
>>61430016>m in my early 30s and I live with my mom(1000 rent a month + extra when I feel like it),white people charging their kids for money I don't get you peopleI make $90,000 and I saved $60,000>$1025 for rentlive in a crappy apartment but all utilities are free>$50 for car insurancenever been in an accident>$50 for internet >$20 for gasI have been work at home since 2019 and people don't like doing things in the state I am currently residing in.>$50-$100 for fooduse an app called flipp to find dealsOnce in awhile events will come up that cost $200 or I get a shinny computer screen sure. But, I am not spending everything I earn, get it together.
>>61430914Sending 30% to his 401k would help his savings numbers, just not for checking account, which is why a holistic view is needed
>>61430016You literally mismanage your money because I make half as much as you, pay the same rent and eat out every single fucking day and STILL have money to invest half of my take-home pay.Demoralization thread.
>>61430016You wont get vaginal fungus by not eating like a yuppie faggot, you faggot.
>>61430435Dig deeper into your finances.You are missing something
>>61430016Organic food isn’t that pricey. Do you not have whole foods over there? Even with delivery fees through Amazon they’re pretty cheap.
>>61430016I'm on the same wage, pay twice as much for mortgage.You're bad with money or Colorado has HUGE state tax.
>>61430659>Download App>Input dataWell that explains why my finances are fucked.
>>61431209Savings rate isn't badBut car should include all car related expenses, like insurance, gas, maintenance, even parkingSo if you're not doing that, it's an underestimate
>>61431287The car chart includes Loan-Insurance -Tabs-Gas-Reoccurring maintenance-I need to pay it off but my bank is Being Jewish
>living paycheck to paycheckLiterally how? I make half of what you do in Washington and I’m saving 70% of my checks
>>61430016it's honestly insane how overpaid ameriburgers arelike, reread your post. you write like a retard and you can't even spell basic stuff even though this is your mother tongueyou can't do math at a primary school level either. $1k per month in rent + $300 in internet + let's say $250 in food per week (should be less even in organic but you're probably a fat fuck) + let's say $10k here and there in misc expenses still leaves you with sub $40k expenses per yearwhile your takehome is >$67kso clearly you're managing to mismanage at least 20 grandswhat you don't understand is simple. you were born in the easiest mode country at one of the easiest times in history. you're comparing it to even easier times, but that's like looking for an anomaly within an anomalyin any other country you would be a janitor of some kind or on unemployment
>>61430016>100k and living paycheck to paycheck>no drinks, no weed>I do aderall thono one will miss you
ya i make basically the same as you and i still manage to put $1900 in my 401k every month, i max out my roth IRA every year, and i save at least 1k in my personal savings. I also pay 2k rent, smoke hella weed, and do my shopping between costco and whole foods. i didn't even include other basic costs like utilties, car stuff like gas and insurance, internet, etc. i drive a 16 year old sedan that i plan on driving till it dies.
>>61431407>one of the easiest times in history.I assume you're under 30 years old anon?
>Was making $85K for years>Got a new job in 2021 paying $142K>Laid off in 2025 and looked for work for 7 months>Now making $85K again after cumulative 30% inflationIt's over
>>61432385RipHow do you manage to get out of bed in the morning and give a shit at work after such a large cut?I know if I lost my job, I'd probably have to take a 25-40% cut unless I moved
>>61430146>Live with family paying about 1400/mo including utilitiesLiving with family in M/HCOL is a hack. Not relevant to a discussion on people that have to solo it. 110k is not great in denver. Only ok for young bachelors or DINKs both pulling that or more
>>61432533I'm just happy I'm in relatively good health and can still buy whatever I want from the grocery store
>>61430659What program is this?
>>61432682>>61430659Nvm saw your other comment
>>61431026Better than that he's a scammer and has scammed you guys for years and is gloating about his spending habits off rugpulls he's been here for years.
Living in a small town is the way to go if you can work remotely. I have a house that I paid $19k for and I only need about $5k or so to cover my bills. I live in a 98% white town with very little crime and my house is always unlocked and my truck has never had the key out of the ignition.
>>61432736>$19k housewhere the fuck do you even live. it's ~$100k for a small shitty house and ~$150k for something livable but small in my 98% white flyover hometown of 3k people.
>>61430861I never said its impossible I said its breaking the bank and as u can see I even have ti supplement jt with chick fil a once in a while
>>61430891U fucking retard, u have to ship it there, also it costs the same. I can actually get like 8-10 packs in whole foods for 31 bucks
>>61430914>I dont eat muchNot me, I workout every day, costs a lot to maintain those calories and to gain weight which is what makes me happy and keeps me off cigs
>>61430987>whire people charging their kids..She only make 30k and cant afford to live by herself also the house is in my name so I can use it for a buisness loan or to get a loan for another house without a downpayment(i think...).I have hybrid wfh but will need to be in office full time(they said I can do 6 hours in office and 2 from home)
>>61431026I need to see a financial advisor then, are u eating out at mcdonalds??
>>61431420Once a month, I dont want to lose weight..
>>61431425U seen my posts, what am I doing wrong?? Im gonna go to a financial advisor..>>61432385Thats very depressing, should have lied on ur interview>>61432533Why? I never took a cut. Why would u take a cut when u have MORE excperince. Should have held off till he got a good offer. Unemployment pays u enough to survive on king soupers slop
>>61432736I agree but what if u want kids and a family, how will u meet a grill?
>>61430031No, he has a wife earning a similar amount. Don't let these suckers fool you. It's not a skill issue. He got a sugar momma. Imagine how easy living would be if you made literally twice the money and split every bill. It's a trick though, because she will divorce you and leave you with nothing to your name and nothing to live for at 40. I've seen it happen too many times. Fuck being married.>mine's differentShe isn't. She just hasn't pulled the trigger on you yet.
>>61430528>>61430554>>61430561>>61430568>>61430576>>61430588>>61430591>>61430607You throw away money on bullshit like an absolute mongoloid fuckin retard lmfao unreal
>>61430554I was in a similar situation. I'm a Yuropoor who makes money in USD by working online and yet I was burning it all because I wasn't budgeting and you're obviously not budgeting at all.Anon, the world is filled with people and businesses that prey on weak-willed people and nickel and dime them. You're supposed to set a cap for any category of expenses on a monthly basis, for example:>I'm going to spend only $200 on eating out this month, so let's see what I like, this thing I like eating costs $10, so I can eat it 20 times a month, I can skip these 10 days.You're not supposed to chase fleeting moments of joy that come from randomly spending money, you're supposed to budget.
>>61433560What you're doing wrong is...1. You don't have a complete view of your spending (or your income, but this is definitely a spending problem)2. The spending you do track you deem essential because it's something like grocery store spending, but that doesn't mean 100% of your spending at the grocery store is essentialAll a financial advisor will do is tell you to track expenses and come back with good data, so get the data ahead of time and save yourself a trip.
>>61430016>live at home but pay $1000+ for rent>money on drugs>spending a shitton on organic food but sock anywayi work at mcdonalds and save more money than you. i also eat mcburger every day and dont have any health issues like a fucked up backi would tell you to try and negotiate with your mom not to pay rent or reduce it so you can save more but you would probably spend that money on even more expensive as hell groceries
>>61430123it’s guaranteed he doesn’t use any kind of budgeting strategy that would reveal how much he actually spends. nowadays when someone on six figures says they are scaping by i assume they have a gambling or onlyfans simping addiction.
>>61434074what the fuck is home items you stupid tard and why is your phone bill 55 fucking dollard a ficking monthi hate these fake budgets
>>61430016You type like the dumb fat white trash niggers I grew up around and ultimately got away from. How fat are you, Dalton?
>>61434373In that case, it was organic cotton bed sheets and 2 organic latex pillowsI split out things like that vs home consumables, like paper towels, which are just easier to group with groceries
>>61434373Why, what's your phone bill?
It's not a "budget amount"It's actual spending based on transactions
>>61434436extremely cheap because i don’t fall for the (((data))) scam>>61434426why the fuck are bed sheets and pillows so expensive wtf just get normal cotton pillows and sheets from walamrt or somethingwhat is this, the princess and the pea
>>61434625Eh, I need to have data tethering and occasionally international for work (my reimbursement is $120/month, greater than my cell phone bill, but I count that as income)For the sheets, it's a small luxury, but I spend 1/3 of the day using them, and I can easily afford it
>>61434665its a crazy luxury dude considering they are going to last like 2-3 years maximum because as you said they are used 1/3 of the daypersonally i would put that 400 in bitcoin so that when it does its guaranteed 10x it becomes 4000 and just get sheets from goodwill but i sleep on a pile of clothing anyway. at least you are budgeting unlike this troll ass op buying chick fil a every day
>>61434779Good sheets last a long timehttps://cozypure.com/product-category/organic-cotton-sheets/You do you, but I'm going to be comfy and cozy
>>61434796i am comfier not spending a ton of money on a place i am unconcious when i am in it anywaysorry dude but 400 on sheets and pillows is metrosexual.
>>61430016After taxes you take home 5600 AMERICAN dollars home. After taxes, I take home 4200 Canadian dollars home. We're not the same.
>>61430528you desperately need to learn how to cook for yourself, for the amount you spend on food each month a reasonably competent person could feed a family of 4 with money to save easily
>>61434807I mean, that's just for some new flannel sheets for the winter and extra pillows. I have two other sets for the summer, and the mattress itself was about 2500, but I got that many years ago and it has held up great. On any given night I'm sleeping on about 3k, and my body thanks me for it every morning I wake up refreshed and pain free
>>61434861He's an ATTENTION WHOREhe doesn't give a fucking shit about you or your thoughts he does this to gloat and get responses to spur up his 40 IQ fucking brains neurological system because it's quickly dying, he's spammed /pol/ and /biz/ for over 5 fucking years straight big part of the cancer that killed this board and you faggots who respond who aren't just him samefagging as just as bad.The only thing you should be responding with is telling this faggot how much of a fucking loser he is, do it enough he spams the board until it crashes.
>>61434884sure thing princess. wouldn’t want your precious soft skin rubbing up against low thread count sheets now would we
>>61434905Glad you understand
>>61434898>a bunch of anons calling one dude a faggot loser so much it crashes the boardmade me LoL
>>61430023i make 3k a month. I save almost all of it. You are just a stupid retarded faggot. God i hate this state. "150k is slop wage"no you are a stupid fucking retard nigger lying about how many loans and credit cards you have all the dumb gay shit you buy like alcohol and pounds of weed and watches and overpriced clothes and dumb ugly colorado whores with nigger babys.And now you come to 4chan to cry like the bitch you are thinking people feel sorry for you for making 150k a year.You are literally a lying fucking democrat liberal retard faggot.>150k is povertyshoot yourself in the head
>>61434918Not even kidding he's done it at least 10x why the mods don't seek this faggot out is beyond me, he's crashed cloudflare here several times, if you call him a faggot or indian enough he will start spamming so hard it crashes cloudflare he's some tranny programmer who made rugpulls here, he got silent every time I mentioned he's the same faggot who's been spamming this stupid shit for ages, he replies the same way I'm sure he spams other boards as well but I recognize his writing style anyday of the week and like I said I haven't been here for over half a year, he's been spamming to nobody, he switched back to /pol/ recently and was making begging threads about his dying dog, usually he does begging threads about his dying dad or some variation of it.
>>61434934sounds like he needs to he killed
Put it in the budget
>>61430016>back problems at 30I don't think what you eat is going to make ageing any better
I make 70k per year including bonus. Live in a decent Indiana suburb of Chicago. I'm 25I pay 850 rent+utilities going halfs with a roommate in an apartment where an asshole blasts bass downstairs. Then I pay 420/mo on my car payment which is my life's worst financial decision, I asked my dad for help choosing a car to buy and he pushed me to get something newer and expensive In my budgeting app I allot 270/mo to food/groceries but I keep going over. Food has always been a crutch for comfort/stress for me so I eat takeout too often. I allot 300 to generic purchases, 100 to any entertainment, 70 to Steam. $40 gym membership. $100 phone bill + phone payment plan (I got screwed by my carrier, the phone should be paid off), $200 to a chronic medical issue.10% of net goes into company stock purchase planMy take home per month after 401k, insurance, and stock plan is about $2700 so if I max all my budgeted stuff I break even in a month. So my non-retirement savings is all going into the stock plan right now. I have about $10k left on the car loan and I've been trying to pay extra down whenever I can, I want it off me as soon as possible so I have that extra $420 as cash inflow. Unfortunately I also have $20k in student loan debt, but I never left SAVE so I'm in forbearance until 2028. Interest is still accruing (low COVID interest so putting money into a HYSA currently evens out or beats paying it off). I'm crossing my fingers a Democrat gets elected in 2028 and they completely pause interest and repayments for another four years.Do I think $70k is poverty wage here? If I was living in a 1br apartment without a roommate to split rent, that would be financially devastating. Roomate(s) makes shit a lot easier. I was living at my parents' home which is even better but now they're getting divorced
>>61430016>I dont mismanage my moneyyes you do. you're also saving around 40% before you even get paid from deductions. bait isn't even good bait.
>>61430048Shut up bitch. No way you live in Colorado spelling King Soopers like that
>>61430528Wtf are you eating? Wagyu? I understand you like eating healthy, but even healthy food doesnt cost 3k a month. That sounds like someone getting doordash for every meal. Buy staple raw ingredients and cook them. Fruits and vegetables arent expensive
Is your mom deepthroating you on command for $2k a month rent * utils? if you move out that bitch will be homeless
>>61430607>>61430591>>61430588>>61430576>>61430568>>61430561>>61430554Oh man, I didn't even see this crap.You go to Whole Foods and spend hundreds of dollars multiple times a week, AND go out to eat every day, including going out for Sushi multiple times a week, and apparently drive between Colorado Springs and Denver multiple times a week (that's a 140+ mile round trip, everyanon)Yeah, you're definitely mismanaging your money.
>>61430528I'm from CO too. You are falling for the WHOLE FOODS AMAZON FANCY JUNK SLOP. You really want to be healthy? How about buy direct from local farmers and ranchers that are all-organic. I drink raw milk 100x more tasty and nutritional than WHOLE FOODS AMAZON SLOP milk. So go and bump elbows with your local farmers until you know the name of the cow that have you your milk or beef. >>61430712Not as expensive as Denver or Boulder but close
>I don’t mismanage my moneyBullshit. Post your budget spreadsheet.
>>614308616 bucks lmao? Its actually cheaper in whole foods. U are retarded for taking Adderall every day. I would think someone who does not fao and work out would have enough drive and energy, it gives me plenty of energy. Ur D1/D2 dopamine receptors are fucked if u need Adderall, stop smoking weed u addict. Also how the fuck are u on Adderall AND no fap. Ur libido is broken . No normal man can be on Adderall and not fap. Its better than sober sex. U are broken..
>>61430868Fast food is just as exspensive as organic food and I need it to attain my 3.5k calories a day. Working out and bulking is essential. U are less of a man for not having muscles. People like u actually lower their tone when talking to me irl, its a great feeling
>>61431407250 food per week? Lmao, skinny walking faggot. Or bloated slop consumer.. cuz ur eurotrahs u are probably a skinny faggot though, yall do have good food. Everything costs more here u retard
>>61433993Why not just grt a higher paying job? The organic food is eat gives me the drive. Like I said I am interviewing for places that are gonna give me a 50 percent raise rn..
>>61434074100 percent of my spending at a grocery store is essential. Im on a bulk. I have a great body and I just punked someone out who wss talking shit day before Thanksgiving giving and that feeling was better than sex. Once I hit 215 lbs I can start cutting and I will only spend like 5 bucks a day in food. My natrual appetite is like 1000 caloreis a day. I am at over 3.5k caloreis. 30 lbs heavier than I have every been, wouldnt trade it for all the money in the world
>>61434322U dont have health issues cuz u are in ur early 20s(I was a technician at that age, u are a loser at McDonald's lol). Just wait.. U will look 40 when u are 30 and it does matter cuz women over 22 are expired goods
>>61434929Im super right winged, I love ICE. Im not among 150k yet, I have my 3rd interview on mondya for that job. Ill find antorhr one. It is poverty wage though loser lol>>61434396Not fat enough, Kyle. I am only 175, I am bulking till 225 then i can cut and my food expenses will only be like 5 bucks away. Until then I am bulking and lifting so I can victimize Lil faggots like u irl. U people actually lower ur tone when speaking to me, its hilarious >inb4 mirror Some toothpaste splash doesnt matter u fucking meteosexuals. I love JP but cleaning ur room is a psy op by women
