>normies making $30/hour ($3.6k/mo after tax) are financing $40k vehicles for $600/mo x 84 months (plus insurance, fuel, wear and tear.)
>>28745446>$30/hourI'd kill to make #30/hr.
It's funny how normies willingly put themselves in to perpetual debt for their egg-shaped CUVs instead of just getting a base model sedan.
>>28745446>normies making $30/hour ($3.6k/mo after tax)What hellhole do you live in?
>>28745482$5.2k/mo gross$400 fed tax (after standard deduction gibs)$400 ss/medicare tax$200 state/local tax$200 insurance$250 401k contribnot too far off the mark
>>28745482majority of EU makes well below that
I make $120k a year after taxesI have never bought a new carI only ever bought a car from the dealer once, and its my daily 9th gen Civic Si I paid $9500 for back in 2018. and I paid it in cash.Dealer didnt like that especially after I spent 3 hours haggling the price down from $11,000.I own a $550,000 house thats 80% paid off.I will NEVER buy a new car, or any cars made after 2010/2015
>>28745492So not after taxes, but after taxes, benefits and retirement. Also>state taxesLiteral skill issue, just move.
>>28745503The taxation he's describing is EU-tier if anything. I'm not kvetching about the wage.
>>28745507there's no such thing as a free lunch. 'no income tax' states make it up in other areas that you pay directly (property tax, sales tax, vehicle registration tax, etc.) or indirectly (business/franchise tax.)
>>28745492Your math is retarded.
>>28745519what is the error?
>>28745521you make more than him, and he's jealous
>>28745513business/franchise tax won't apply to wagies.
>>28745506>Dealer didnt like that especially after I spent 3 hours haggling the price down from $11,000.based dealer timewaster
>>28745568which is why that parenthetical is prefixed with the word 'indirectly.'
>>28745446I make $138k and I drive a car that costs $37k, and live in a $440k home I bought in 2021.Normies could do this, but they aren't smart
>>28745446I'm on $35 and hour and make 8k a month after tax? How are people only making 3.6k? They work 8 hours a day 4 days a week with no overtime, meal allowance or travel allowance?
>>28746697most people aim toward having a life outside of wageslaving for their boss 70 hours a week or living in a hotel and eating takeout food for weeks at a time. if you make $35/hr you make $5.8k a month before taxes.
>>28745446I make $31.50 and simply bought a used fuel efficient simple I4 turbo Mercedes as a daily and have a reliable old Infiniti SUV as my secondary roadtrip/camping car. They were both innexpensive and I paid cash and fixed them up myself. New cars aren't worth owning anyway.
my friend lost about 20k in depreciation when he traded in his car. what's funny is that even if I had taken my 25 year old shitbox to the stealership for every single repair it would still have cost a lot less than 20k.
>>28745577Some Persian tried to scam my gf when she was car shopping so I went in my grandparents Jaguar and acted like I was shopping for the BMW M5 and Merc CLS AMG on their lots and took like 2 hours talkng and asking a bunch of repetitive questions then left. I also revved the shit out of both during the test drives. The M5 even got that gay little chime thing to come on when the engine gets too hot. Fuckem. I hope Trump bombs them again. I am a moderate.
>>28746857forgot to add that I've owned that shitbox for over 5 years now and had to do a lot of repairs to it
>>28746858Persians are just dumber versions of jews. It's fitting how they're both locked in a fight to the death.
>>28746857The same way you save money by never buying new clothes. Life is more than just cost savings but your friend is probably an impulsive customer who just wants the latest shit too.
>>28746863I buy most of my clothes at clearance stores and sometimes Target or military surpluss. The only clothes I spent decent money on are boots and a good jacket every few years.
>>28746864And some people enjoy buying fancier clothings. It's all what you value in life. I personally prioritize saving money over that but it goes in phases. Same with people buying new cars. Although I think this is on a different level of stupid because expensive clothing atleast tends to last and make its money worth with time.
>>28746834I work 60 hours a week and each year I get 2 days compassionate leave 6 sick days 12 rostered day off 13 public holidays 30 days of annual leave All paid at 100% wages for an 8 hour day because I am part of a union lmao
>>28745446Average car payment is $750-800 in the US, so a good bit higher than $600
>>28746867I've bought nice clothes on a few occasions. I bought WW2 US army pattern cavalry boots with modernized tread and soles for horseback riding and hiking and those were about $500 out the door. Also some electrical hazard rated boots and and a treated tri layer leather jacket those were about $300 each. Have also spent money on suits but I only own 2 at a time for the most part. Can't fathom spending big bucks on a t-shirt.
>>28746871so you get 63 weekdays off per year and work 260 potential work days - 63 days off = 169 working days x 12 hours = 2028 hours per year.and a big chunk of those are spent living in a shitty ass hotel.grim.
>>28746901Could be worse could live in America
>>28746871>l paid at 100% wages for an 8 hour dayyou think this is somehow special?
>>28746901Yeah it's kinda shit. 60h a week is crazy. I get 8 weeks PTO, 300k salary, 8% employer 401k contribution, only 40h a week in america
>>28746938post stub
>>28745568But it does apply to businesses, which you'll say "duh, it's in the name smartass" but you fail to realize that this is also why businesses move, and you end up with your flyover state stagnating shitholes where everyone is wondering where have all the jobs gone. I guess it's time to go work for fucking walmart now since that's the only game in town really.
>>28746932You need to understand that when it comes to labor, the US is barely above some sub-saharan african country. The idea that a paid holiday is a benefit of the workplace instead of something everyone enjoys regardless of work in other countries would blow their fucking minds.
>>28745521Where should I start? You think fed taxes on $5.2k is only $400. It’s at least $600. Also, $250 401k contribution on $5.2k? Lol
Awwww little bitch is still poor and still worthless.
>>28746938>300k salaryLmao
>>28746966$30/hr is $62.4k gross less $16.1k standard deduction for single filer less $2.7k annual insurance contributions (exclusions from income) less $3k employee portion of 401k contributions (exclusions from income, this is also the $3k/12 months = $250/mo employee 401k contribution you bitched about) = $40.6k taxable incomefirst $12.4k is taxed at 10% = $1.2k tax duethe amounts between $12.4k and $50.4k are taxed at 12% = $3.4k tax due$1.2k + $3.4k = $4.6k total federal income tax / 12 months = $383/moif you are married, are married with kids (tax credit gibs), or qualify for any number of deductions or income exclusions, you would pay even less in federal income tax. i'm literally an accountant with a CPA license.
>>28746976> $2.7k annual insurance contributionsHuh?
>>28746980am i talking to a euro or a neet? most americans pay for a portion of their health insurance.
>>28746983lol I don’t. It’s called having a real job.
>>28745478that's always the galling part of these stats for me. it would be excusable if you were in debt for a cool or interesting car, but to barely be keeping your head above water to pay off a generic disposable cuckover is just sad
>>28746992>bragging about $2.6k gross in californiai work in corporate at a health insurer and make considerably more money than you in a much lower cost of living area. anyways, most americans (myself included) pay for some portion of their employer sponsored health insurance.
>>28746994> make considerably more money than youlol no you don’t
even billionaires finance their supercars using loans. buying them with their own cash money = money gone
>>28746994kek. yeah they prob think "damn this fools getting punished enough"
The biggest loan holders are billionaires, but hey some poorfag driving a beater from early 2000s and jerks off to holding his dick shaped stick shift is going to educate you on how to use your money.
>>28747044yeah that's because they take out loans against their 8-9 figure equity portfolios (SBLOC) because the loan proceeds receivable preferential tax treatment. meanwhile you're taking out a loan against nothing on your $60k/yr w-2 income, you absolute moron.
>>28747044>>28747074>u-uh but i can now deduct up to $10k of interest expense and save $2k on my taxes so i'm actually coming out ahead by buying a $40k car plus $10k interest btfo!!!!!
>>28746969Word. 300k in tax deductions is better
>>28746983>tfw 1099
>>28745446They're lying, they make 20 with overtime.
30 dollars an hourly is not a lot of money.
>>28747084you should know, as a CPA, taking pictures of your clients tax documents for any purpose but archival is a felony. try uploading yours instead of someone elses.
>>28747303im the cpa. the post you quoted isnt me.
> $30/hour Where is this happening?
>>28746932The US never really broke away from the slave-owning mindset so something like actual time away from work is unheard of.
>>28746992the fuck do you think your "dues" are paying?
>>28747360I'm making 460k of 1099 income this year. Do you think 130k is a reasonable salary? My accountant says yes kek. I have an s corp. She says s corps are rarely audited so she's pretty aggressive with deductions and what not. Field in medicine so it's all profit no real business expenses.
>>28746983What shithole do you live in? My employer pays 85% of my health insurance and I have a fucking $1500 deductible.
>>28747516it's a little low. general rule of thumb is 1/3 of 1099 wages.>>28747580uhh $1-3k a year is a very reasonable EMPLOYEE SHARE of the premium.
>>28745449BAE pays (and trains) union welders in PA like $39/hr. Just show up and learn to weld.
>>28747715But what about ur lungs (from the fumes and the cigarettes)and liver (from the alcoholism that you will develop from being a stick welder)
>>28747685Having to pay $250 still is pretty shit, unless you have like a $1000 monthly premium
>>28747301California. I make $31.50 as an entry level technician. I'm scheduled to be bumped to $40 in June.
>>28745446I live 30min away from my job, takes about 45min to go home in traffic, and if I used public transportation I'd take about 2hrs to go and even longer to come home... what options do I have?
>>28745446As you will no doubt be aware, public transportation in most of this country is non-existent, and where it does exist it's usually crime-ridden rubbish.
>>28745449Move to Texas or Louisiana and get a job in offshore oil production.
>>28747761Get a job closer to where you live or move closer to work.
>>28747761>what options do I have?KEEP ROLLIN ROLLIN ROLLIN ROLLIN (What?)KEEP ROLLIN ROLLIN ROLLIN ROLLIN (C'mon)
>>28747765My job's pretty good, and rent where I live is cheap, I can't afford a house now and spending a ton on rent for a place closer to work would be a shame.
>>28747516more like 460k in pennies lmao
>>28747835Instant regret buying a semi use car.Dave Ramsey's crew told me to use my free income to pay it off early So $3,000 a month.It's gonna be a hard 6 months lads
>>28747104210/hr wat kind of job is that(sucking dick for Epstein doesn't count)
>>28745506based man of prudence
Shitposting aside, how does a non-normie get a real job?
