>married tax rate 68%>keep 90k after tax>$7300 after tax per month>starter homes are $2500/month ($350k 1200 sqft dogshit houseflip home @ 7.3% rate with 20% down)>$1k for food for family of 3>$1k/month for repairs maintenance budget>$2k/month daycare/babysitter >$1k month retirement>still need car payments>still need healthcare>still need clothing>still need utilities and property taxHow in the fuck is anyone able to have a family on anything less than 190k?
>>492012763you just find a way to get by day by day
>>492012763Shut up faggot. People do it on 30k a year
>>492012763Poor people have the most kids, you are just too retarded to have money
>>492012763>$1k/month for repairs maintenance budgetWhat?
>>492012763>married tax rate 68%First statistic is a made up number for retards. Fake opinion: disregarded
>divorce your wife (assuming you got legally married)>wife applies for gibs as a single mother>gubmint pays for kids, food, healthcare, etcsimple as. make a trip to the DMV and change your race to nigger for better results.>muh leech!the USA and EU are economic zones, surrendered to jewry in "WW2" (made up name to obfiscate the true reason of the war). your blood built this land, might as well reap what they sowed
>>492013011>>492013011>>492013011>>492013011
>>492012987That is not a bad budget. When repairs become necessary, they are expensive.The 3rd world spics at my local water processing plant fucked up the pressure levels and busted the plumbing for a good 10% of my city and the repairs from busted pipes cost me $51,000 this year from having to replace them and basically the bottom of my house.
>>492012763I make 108k before taxes.>Take home is $5200/month after taxes, 401k, and health insurance>$2000 per month for rent>No car payment (paid off)>$520/ month for Roth IRA>$85/ month for internet and phone>$90/ month for gas and electricity >$60/ month for parking>$800/ month groceries (me wife and kid)I’m left with about $1600 not counting for car insurance or maintenance. I get a bonus once every 6 months right before my insurance is due which usually covers it. My kid isn’t old enough for daycare yet. It’s pretty easy to save, invest, and have a family on this amount. I’m also in a high cost of living area (Taxachussetts). This is not including my wife’s income ($70k pretax normally, but she is on mat leave).
>>492012763Dang. Budget better. I was a literal homeless bum when I got the hottest chick I’ve ever met pregnant. Now I am a single father of two boys with full custody and I only make 40k a year and my life has never been better. I must be a total chad or something because I didn’t even have a job when I was awarded custody lol. I bet the family court ladies favored me because I’m hot and they wanted to take the baby momma down a few notches. Lol.
>>492012852yeah with full government benefits
>>492012987You need to fix shit when it breaks and service companies will cost 8 to 15k for repairs.
>>492012763you sound retarded, you deserve less.
>>492013486>>492012987The rule of thumb I have heard is saving 1% of the value of the home annually to put towards maintenance.
>>492013011>>492013128>you made up that tax rateWhat? 30%% is state and federal and sss and i used 2% to make up for sales tax.
>>492013599That was before every home had been flipped by illegals doing shitty work and before homes were being put up in a week. Im not kidding ive watched them erect the entire frame and exterior in a week here for the new builds.
>>492013559Feel free to give a budget breakdown showing how to do it then
>>492013847Why not build it as quickly as possible? What are they going to do? Find someone that built houses better? Good fucking luck.And why not build it as shitty as possible? The faster it falls over, the faster you get another expensive job
>>492013847My house growing up was built in the 90s, when most construction workers were old white boomers. Say what you want about boomers, they built sturdy houses.
evidently you are shit with money. daycare is a meme for couples who are dumb enough to let the female work. if you had an actual dedicated wife, she wouldnt be working at all and all attention focused on the kid. this also applies to babysitting, why the fuck would you leave a kid in your house with a complete stranger? having a kid means making economic sacrifices and most people are too fucking selfish to raise a kid because muh career or muh social life. they'd rather pay a nigger or let the government raise their kid for them rather than making a few sacrifices in order to properly raise their child.
>>492014072Not disagreeing but it means we have to budget for more expenses. My parents had a 4700k square foot home and paid $1100 a month for it.
>>492014272You can substitute daycare for school. You cant let your kids near public school these days.
>>492012763If this is the case, you do not know how to budget and are irresponsible with your money. You shouldn't be having a child regardless even if you, "did have the money"
>>492012763>make 55k after taxes, work health/dental/life insurance, etc>about $4500 per month>mortgage for my Texas suburb 3-bedroom is $1500>$800 for food/households for family of four>$500 for car loan>$0 for daycare because my wife is a stay at home mother>$450 for retirement>about $1200 left into savings for repairs, emergencies, fritter away money, etc.Pretty easy.
>>492013415just raise your kids in extreme povertywhat's the problem goy?
>>492012763I also make $130K. It's the new average, nothing special. You are trying to have a family on a single income? Listen snowflake this isn't the 1950's. Either earn more or demand less.
>>492014471that's what the government wants, everyone dependent on benefits and therefore them. That's the safest way in their eyes to ensure control. Social security was probably a move towards forcing that model on everyone
>>492012763>>starter homes are $2500/month ($350k 1200 sqft dogshit houseflip home @ 7.3% rate with 20% down)this isn't a lifetime thing, you just need to suck it up for, what, 6 years? (idk im not good at math)>>$1k for food for family of 3actually reasonable>>$1k/month for repairs maintenance budgetthis is a schizo estimation, was the house built by Latinx? why is it falling apart?>>$2k/month daycare/babysitteryou didn't mention your wife's salary? is she stay at home? can't she raise her own children? >>$1k month retirement(he thinks he's going to survive SHTF, cute)>>still need car paymentsget a civic until you finish paying your house... that car will outlive you anyway>>still need healthcarejust kill your CEO and you get a discount>>still need clothinglearn 2 sewbuy e6000 shoe glue>>still need utilities and property taxjust rob a bank, stop making excuses
>>492014795NOOOOO I HAVE TO KEEP UP WITH THE NEIGHBORS AND THE KITCHEN NEEDS A REMODEL. SO DOES THE BATHROOM!!
>>492012763I didn't even make 50k this year and I've got a family. Single income household with a boy and a girl and another one on the way. My wife budgets out my paychecks and after the bills we usually have about 400 a week for groceries and gas. We live on 40 acres and a lake so I stock the freezer year round with venison, bear, and fish. We have a huge garden that we mostly can and vacuum seal, it lasts us all year. I cut about 8 cords of wood a year and it heats our house. You have to stop giving those kikes your money and start doing things yourself. Then you'll find out, you don't really need that much after all
>>492014795>get a civic until you finish paying your houseAmericans cannot drive less than a brand new truck, it is the bare minimum to go to wallmart and bring the kid to school
>>492012763African niggers in Africa have 20 kids and they don't even have food over there. They don't have houses to live in either because they haven't invented that shit yet. They just sleep in the trees like monkeys.
>>492013900>married>2k on daycareassuming your "wife" also works you shouldnt have any budgeting problems. your issues is that youre a retarded cuck
>>492012763>$1k/month for repairs maintenance budgetlol.>I can't paint my own house tho!?>$2k/month daycare/babysitterHere's a suggestion. Have your wife do the daycare. That's $50 every 2nd weekend for a babysitter and you joining a community group where the parents do community watch of the kids. Try a church.>still need car paymentsNot if you buy a used car outright>still need clothing$25/month for 2 fresh pair of socks and undies, save the remainder and buy cheaper clothing>still need healthcaredo you? do you really? are you sickly? are you a fan of getting prescriptions for vague bullshit that probably arose from you sitting wrong and eating shitty food, or from taking another prescription as side effect?
>>492012763spend less on candles and stop making shit threads
>>492012763i make 60k and support my family of 4 in michigantotal spending is just under 5k a monthNo vacations or holidays but it's a WFHneet job. we get by. Anyone that says you need to make a minimum of 100k to survive is retarded with their money. Food, bills, home, necessities are all you need to focus on.
>>492012763Inflation means that 100K=20K.
>>492014893How much is your mortgage and when did you buy?
>>4920127632 at 90, medium cost of living city. Making it work.
>>492013415Just show up to the ER and don't give them your social security number or a real name. Like they can not reject you, the probably is, they know people like you will always pay so they will always charge.
>>492016750yeah? 20k is plenty to live on.
>>492013559They hired him because of his bad financial discipline. Rich people don't want company.
>>492012763>flip homeHave any of you noticed that tradefags are the ultimate crooks? 12k for 9 windows replaced, 300 to cut off a tree limb from an arborist. They make more than doctors! They charge you some made up number instead of going per/hour. So we'll say it takes 2 people 2 hours at 40/hr to replace 1 window, well, 9 windows are 720 dollars labor. Plus whatever the windows cost. Where did this $12000 price come from? Because magic! Because they're crooks. Because you are sleep-walking and you don't use your brain.Over 15k for a new shingle roof. Even that's like 3x overpriced, but they have the nerve to charge 30k instead of 15! So 6x overpriced! For 3 days of work! Nobody even notices, everyone is asleep while the certified asshat reaches into your pocket and gets rich.Sleepy, sleepy. 300 for a tree limb, that's 15 minutes of work. 300x4=1200 an hour. Send these fuckers to the labor camps.
>>492017994it's not your buddy bill doing the work anymore (sometimes you can find buddy bill though but he's fucking old and is about to sell his business if he hasn't already). Bill charges fair prices but he has no costs because he just does it to do something after retirement, maybe has a kid helping.But the company that is buying Bill out has a headquarters, warehouses, a fleet of trucks, human resources, marketing, and all of their facilities need upkeep and insurance and their employees need salaries and insurance, and what do you know at the end of the day there's a bunch of big companies doing this stuff establishing a new "reasonable market value."They're also writing new regulation so no new generation is ever going to be like Bill again, at least not in this age.
>>4920147951. 20-40 years2. agreed3. Yes4. American women not only psychologically NEED to waste their youth on working, but men's labor is so devalued that there isn't a choice anymore, financially. 5. You can draw form your retirement in an emergency, it's good to have it building even if your retirement plan is to put a gun in your mouth. 6. There are no cheap used vehicles anymore, it's like $10k for a beater that will probably get you fired when it leaves you stranded on the way to work. 7. Our healthcare system is designed to bankrupt you no matter how little or how much money you have.8. Whatever, Ghandjeet.9. Now you're just squatting in the ruins of the once-great Greek civilization, genetically unrelated to the fore-bearers.
>>492013599I live in a three million dollar house and probably only spend a couple hundred on maintenance a year
>>492018705How much gets taken out of your ass on property tax?
>>492019174$2k a yearprop 13 is one of the only good things about California
>>492013233it's a totally shit and moronic budget, and if you don't have a pressure regulator on your water make up, i assume you live in a dilapidated trailer park. $1,000 food budget for 3 people? that's rich. OP is a faggot.except for the fact that yes, 100k is poor. but if you can afford to live, you can afford children (never pay for fulltime daycare/ child abuse, have one of the parents work from home) children are NOT expensive at all, if you arent a faggot looking for an accessory.
>>492012763You're a selfish piece of shit if you don't have kids.
>>492012763You are supposed to go the Argentinian way and lose 4 pounds a month. Food is luxury. Cut it out
>>492013243a family is possible at any income. make children of your own race.
>wah wah cry cry wahI don't care about your problems bud, go fuck yourself.
>>492012763>starter homes are $2500/month ($350k 1200 sqft dogshit houseflip home @ 7.3% rate with 20% down)>$1k/month for repairs maintenance budgetRenting is cheaper, and you have the mobility to go to a lower cost of living area on a whim.>$2k/month daycare/babysitterA stay at home wife is free>$1k month retirementYour kids are your retirement, inflation will destroy any 'savings' you have - the S&P 500 has a negative return relative to gold over the past 30 years, and its only going to get much much worse.
>>492012763child care is like 6k a month fag u pay like 30-60k a year in it
>>492019336I'm still in this shithole too. Can you believe people are paying that much per month in New Jersey?
>>492019781the funny thing is I still dont get $2k a year of value back from the state
>>492016996Mortgage is for cucks and potentially locks you in to a place for decades. These days the better options for families are to rent until you can pay cash, or inherit property from family, or guilt your boomer parents into helping you with housing.
>>492020166I inherited property from my family then bought a rental with a 30 fixed 3% mortgage
>>492012763Capitalism is a jewish scam which runs on perpetual geometric expansion of the fiat currency supply and inevitably periodically fails through either hyperinflation or massive depression and cancellation of large swaths of the fiat currency supply, where the working class have their savings cancelled in bank "failures" or "bail-ins", like in the Cyprus banking crisis.Capitalism cannot afford to purchase its own aggregate internal production at a price which it is profitable to produce that output at, unless the money needed to constitute the profits is continually added to the system, such as by creating fiat currency (or more of it than is already in existence) or allowing counterfeiting or debasing of sound money such as silver coins, such as by reducing the purity or the weight of the coins.However, the fiat creation needs to be continuous to enable continued capitalist production and the rate at which new fiat is created needs to accelerate (the growth needs to be geometric) or the rate of expansion of the fiat currency supply gradually approaches 0% of the already existing amount over time, as the supply grows, and so does the average possible rate of profit. Expanding the fiat supply from $10 trillion to $11 trillion within a year is a yearly growth of 10% but expanding it further, from $11 trillion to $12 trillion in the subsequent year is only a growth of 9.(09)%. For the fiat supply to grow another 10% in the second year, it needs to grow from $11 trillion to $12.1 trillion instead of just $12 trillion.GDP is not economic activity but the estimated and inferred rate of spending of fiat per year.Inflation, including due to scarcity - which forces people to spend their fiat savings into circulation, inflates the GDP. Deflation, including due to abundance, contracts the GDP.Fiat currency is not wealth but merely claims on wealth.Wealth is what you spend fiat currency on, not fiat currency itself.Capitalism is not a closed loop or system.
>>492013599Just learn to repair things yourself and quit being a retarded faggot
If you're not a billionaire, You're poor.And you're lazy.W O R K H A R D E R
Poor families making under 100k have crazy tax credits for kids, they end up paying almost no taxes or get even paid by the government if they are broke enough. The opportunity cost of a low skilled wifi either working a job or taking care of the house and kids is much lower for a woman working a college degree required job. It’s all setup for lower class people to breed like rabbits while the middle class foot the bill and have to work tirelessly to barely afford a single kid.
>>492012763old italian saying:it's not that everything costs too much,it's you who don't make enough money
>>492012987My dad just spent 30 years not cleaning thr septic tank and it cost him 6500 to have the line replaced
>>492012763>make 130k and cannot afford to have a kidLiar
>>492013233>The 3rd world spics at my local water processing plant fucked up theNice try Shekelberg.It's a guarantee that Management changed a critical process or omitted a cost somewhere.Post a link or city and I'll dig out the FACTS.shitbag
>>492012763The government pays women to be mothers. Just don't legally marry her dumbass. Have her use her parents or a trusted party's address on all official documents, and she can claim WIC, EBT, all sorts of shit where she literally gets paid to just sit at home and raise them. I'm talking to the tune of $900 in EBT and $400 additional per month per child. $500-900 in literal free money on a free spending card. With 2 kids you're looking at $1,800, 3 kids around $2,400. It maxes out at 4, and here's the kicker. Pay attention to how many Mexican women you see with 3-4 kids, but never 5. This is exactly how beaners can afford kids and whites can't, they're too proud to scam the system. But the system SHOULD pay your wife to have kids, the system is what forced her to work, the system is what devalued men's labor to make you not able to afford to provide for a family. Scam the fucking system for every red cent you can.Even so, kids are basically free. They don't eat as much as an adult. Clothes can be thrifted. First 13 years of schooling/daycare are free. You people are just fucking stupid, or this is a kike shill thread.
>>492012763Why do you need daycare if it's just you working? Or is it 130k combined
>>492023919If you're really sneaky, you can get a housing voucher or rent completely covered by the government. Of course she's actually living with you, so you can rent the place out to someone else on a sublease. You basically get an untaxed cash income if you launder properly, obviously the money should go into your account to keep her clear of an evidence trail. You have to cover all your bases to not get caught up in welfare fraud charges, they look at whites on welfare very suspiciously.
>130k and can't have a kid>people have kids with 20ki guess everyone is retarded now?
>>492012763Humphrey yang rules!
>>492012763have your wife cook and raise the kidsdon't have 1 kid, have 4, get gibsits how the spics and the niggers do itjust make sure you raise you kids to not believe jewish lies
>>492024149There was a reddit thread asking "what are things the rich and poor people have, that the middle class don't" with examples such as>economy plane tickets. The poor can't afford them and the rich take private jets or first class>worry over credit ratings, rich don't care because they're rich, poor don't care because they have no credit>medical debt, the rich pay it off, the poor get subsidized healthcareAnd I suppose the biggest example of all:>kids, the rich can afford them, the poor get them subsidized.The middle class gets fucked out of a lot of things just because of how hard they try. It seems when you give up and accept the handouts, things get easier.
>>492012763I'm unemployed and have 4 kids.$0 mortgage (paid cash for house)$55 a year property tax (reduced 75% for having 4 kids)Government gives me 400€ a month for no reasonFree childcare and free food for the kids thereFree health and dental careWife is on government paid maternity leave so that's like 2000€ a monthBills are like 200€Food for family of 6 is maybe 125€ a week3 cars are paid for (paid cash)I might go back to work in 2025 but only to buy rental properties.
>>492013233You chose to live in America as a hated 2nd class citizen and be abused by browns. Part and parcel.
>>492020332That's based.Which one do you live in?
>>492024714>I'm unemployed and have 4 kids.HAHAHAHAHAHAHAHAHAHAH>Government gives me HAHAHAHAHAHAHAHAHAAHso fucking pathetic
>>492012763
>>492026071why did you repost this?
I don't make 130k and have three kids and own my house and also own a rental.You're just retarded (and probably lying in the first place)
>>492024714Welfare queen
>>492012763Anything under $10,000,000 is poor.
I make ~160k>keep 90k after taxes and 401k>270k home, 50% down at 2.8%>worth 400k now, and my payments are ~1k a month>pay about $500 a month for food, I make 95% of my meals>WFH maybe $30 for gas a month>no debt>car paid off>~2k a month in total bills>~5500 a month disposable income>just invest it as I already have 75k in a high interest savings account>already over 1mil net worth at 32How does anyone struggle these days? Literally just make better life choices. I grew up in poverty and wasn't given anything by my parents other than them just not being pieces of shit, teaching me how to not fall for predatory loans, how to save, and to not be a materalist consooomer. I could easily support a family. Kids aren't that expensive. Just thrift for used clothing and shit. Finding a woman that isn't a materialistic whore is the hard part.
>>492012763I make half that and could afford 2 of them. Yes, I bought a home.
>>492012987Ferrari’s require a little maintenance now and then, then there’s the Lear jet…
>>492012763women aren't vending machines ya fuckin retards.you make 130k a year and you dont know how to manage your resources and dont want to have a kid. you could literally be penniless, no.. in debt and still have a kid and no one can stop you.
>>492012763>still need car paymentsif you are making payments on a car you are buying cars wrong>still need healthcarehealthcare for my job is practically free, but it doesnt pay anywhere close to 100k>1k a month per home repairget gud>2k a month for babysittertell your wife to quit her job and raise her damn kids>still need clothingclothing is almost free if you are talking about adults. basically while everything is fucked in this economy why do so many people still are completely blind to their irresponsible spending habbits? you dont need even half of this shit.
