A single adult with no kids now needs six figures to live comfortably in 23 states.A family of four needs $200,000 or more in 44 of 50 states.Massachusetts tops the list at $329,555. The cheapest state, Mississippi, is still $187,533.Median U.S. household income: $83,730.Americans are broke and poor.
>>541250481what is this based off of? Getting the newest Iphone every year and having a 15 dollar venti for breakfast lmao
>>541250481and people wonder why I emigrated and why I despise the US government so muchI can actually have a life here
>>541250844kys scott bessent you kike homo
>>541250481wow another banger of a great thread brought to you by 1PBTID, let's all get in here and reply.
>>541250844Lol lolHey boomer, it's based off groceries, you know, the word Trump never used until he was fucking geriatric.
>>541250938>nooo dont question a graph that doesn't take any lifestyle choices into accountYou need your skull caved in
>>541250844Normal people dont overspend that way you fucking boomer
>>541250481No amount of money will ever let you live comfortably in Niggassippi
>>541250844>Getting the newest Iphone every yearGetting a new made in China trinket once a year should not be a substantial expense. This is a sign of a serious distortion in the economy.>having a 15 dollar ventitwenty years ago a venti latte cost 3 dollars. So you're admitting that the federal government has destroyed something like 80% of the value the dollar had back then in the last 20 years.
I'm living proof that Alaska is a lie. And OP's pic has Alabama highlighted so he's a negro.
>>541250481Are they taking the Cost of Living for NYC and LA and applying it across the board?Because In even the more expensive parts of Montana you can live comfortably with a $35k salary.
>>541250481Based. We need to price out as many end as humanly possible.
>>541250899You're a fat VPN larper
>>541250844I put down my avocado toast to apaud this post.
>>541251390plebs* not end. wtf
>>541250481honestly those numbers are still a little too low, those are scraping by / survival numbers
>>541250481Masshole here. The cost of living in this dump is horrendous. I’m leaving next month. The company I work for lets us work remotely so I’m going to the lowest cost of living place I can find, and never coming back. An Al Bundy tier house starts at close to 1 million in the Boston metro area. Pic related would be a typical boomer house.
>>541251019>>541251094>>541251247You guys obviously don't know anyone with a family of four I can walk down the street and talk to people in my family who meet the criteria and they are comfortable at low six figure levels but keep taking charts at face value.>So you're admittingHey retard hate to break it to you but fast food prices have scaled way past inflation rates. Probably the worst case of inflation in todays market its less about the federal government devaluing the dollar and more about jewish business owners being able to do what they want and get away with it and people not practicing any sense of frugality
>>541251346there is no way that is true
>>541251346I think it's assuming a middle class lifestyle instead of a poverty lifestyle. Probably also factoring in the ability to afford having some emergencies.>>541251555>Hey retard hate to break it to you but fast food prices have scaled way past inflation rates.So you're admitting you've never even heard of the Cantillon effect.>Probably the worst case of inflation in todays market its less about the federal government devaluing the dollar and more about jewish business owners being able to do what they wantAh, so it's not the government's fault, it's corporate greed. The fast food corporations just all got greedy at the same time and did so faster than the rest of the market. That clearly is what's going on, there is no underlying systemic issue, the problem is people doing what they want without government control. We should give the government the power to regulate these greedy jews.>and people not practicing any sense of frugalitySo is saving dollars a wise idea when they lose 80% of their value over the course of 20 years? Just hold onto those rapidly depreciating assets, I'm sure they'll bounce back!
>>541251555>anecdotal breeder post number 549buying a house 10+ years ago and tax breaks for shitlings doesn't represent the normal worker economic situation, bitch nigger
>>541251520>lowest cost of living place I can findcome home, white man
>>541251604Comfort is extremely arbitrary and depends on lifestyle. Which is why I find the chart extremely bogus. Its based off of an MIT study which the people behind it are highly ambitious and high iq. So what might seem comfortable to them doesn't translate to what someone living in rural Ohio or Montana thinks is
>>541251604Do you live in Manhattan where it costs 100k to rent a 10sq ft closet?Sorry to break it to you but 99% of America has a pretty low Cost of Living.
>>541251789fuck off kike.
>>541251789ah so its done by people with no life experience, that makes more sense
>>541251856burn in hell kike
>>541250481>comfortablySo dad’s spending $1k a month on onlyfans and mom needs a new purse every month. Reasonable expenses.
>>541251789>some people find comfort wearing tattered ragsdie jew die
>>541251950Believe it or not having the budget to afford luxuries used to be considered normal rather than exclusive to rich people.
>>541251780I can’t stand minorities, so I’m good. I find Asian behavior off putting at best.
>>541252000You have internet access is that not a luxury?
>>541251768>anecdotalfunny thing is one person in my family just bought a house and one guy down the street is young and moved in with kids. All on low six figure salaries so its definitely not 10+ years ago. And anecdotal evidence is way more reliable in this case than a college study based on arbitrary definitions of what comfortable means like its uniform across every lifestyle and state.My point is to not downplay the cost of living crisis but to point out the chart is not accurate and a bit ridiculous in some places But keep seething because you cant differentiate that distinction
>>541251744>I think it's assuming a middle class lifestyleNo, it's just straight up wrong. The number I gave, $35k is lower-middle-class that comfortably allows disposable income and a slow build-up of a retirement. $60k+ is upper-middle-class.
>>541252053The study also says they’re investing 20% and 30% is on luxuries. “Comfort” is 70k a year for luxuries.
I make about 6k/month after tax in America's northeast and I live pretty comfortably.
>>541251520Its similar here in RI, sure the homes are cheaper. But then you have RI wages that are much lower than Mass. Plus taxes will fuck you.
>>541251744Nice job being disingenuous. Never did I say It wasn't the government fault but you speak like a redditor so i'm not surprised.Not worth in engaging with someone who misrepresents everything to get a heckin gotcha
>>541250844kids these days should be HAPPY to live in a shoebox and eat plain rice for their single daily meal!
>>541250899Youre a pathetic excuse for a man. Back in America i raise my family and endure while gaijin niggers like you sniff used panties from vending machines and fuck up another country instead of saving your own. Youre no different then a muslim nigger in Europe.
>>541250481rich people are such crybabies, $83,000 is enough to live comfortably. the real problem is that you need 10 years of experience or extremely dark skin to make $83,000.
>>541251921Lol. You're just mad that my 4 bed 2 bath house on a 1/2 acre plot of land with Numerous trees to help shade my comfy house in the summer (all that I own btw) costs 1/10th of your little closet that you don't even own. Get fucked poorfag.
>>541250481What the fuck are these numbers dude? I earn like 24k a year. Thats pretty much upper middle income here. I have a house, that leaves me with a good 1300$ of disposable income after i paid my bills, loans and groceries. What the fuck are you people doing with this money? Your groceries are less expensive then mine, your cars are less expensive, your gas is less expensive, your houses are more expensive but good house here costs 400k€ and in the US it's 800k$ so I actually have a disadvantage. I'm always baffeled by the numbers throw around in the US for shit when just about every grocery, IT, and other junk costs less then in Europe even if you normalize by tax and shit. What lifestyle does one lead with 100,000$? I honestly can't imagine earning like 8000$ a month. I'd honestly struggle to think of way of spending it except traveling and investing.
>>541252044>You have internet access is that not a luxury?So you're saying I should get used to having less luxuries than I used to so that Israelis can have free healthcare and a war with Iran? 200 bucks a month in 2006 is about 1000 a month today, and that wasn't really that much for one parent in a middle class household's budget for luxuries back then. That's also not factoring in the money they'd have for things like vacations and stuff like that. Sorry for having gotten used to living like a white person in the first world Schlomo. I'll be a better goy and give it all up for the greater Israel project.>>541252164>Nice job being disingenuous.You're the pot calling the silverware black.>Never did I say It wasn't the government faultYou just said it mostly wasn't the government's fault. This runs contrary to the reality that it's entirely the government's fault.>you speak like a redditor so i'm not surprised.Says the reddit spacing faggot who hasn't even heard of basic economic principles which everyone who has been here since the Ron Paul era is familiar with.
>>541251604you can live comfortably in some shitty small town in the middle of nowhere surrounded by boomers where your only entertainment option is to drink bud light and play pull-tabs at the corner bar
>>541250481Yea I'm a lawyer in Florida and I just said fuck it I'll live at home. I was shopping for a house but its pointless. Fuck this gay world. I'm just going to go live in a trailer and start drinking again.
>>541252305If you’re broke you’re not paying taxes anyway retard. >b-but the study says I need more!The study that has 100k set aside for savings and luxuries?
>>541252317If that's comfort for you then you're some sort of monk. Most of us enjoy earthly pleasures more than contemplating the divine.
>>541252361I would invest in property in a foreign country, my cousin bought a house in Colombia for 140k and its bigger than the house I grew up in.
>>541252303lol, it goes something like this:$100k salary = ~$5,300/mo take-home (after taxes and health insurance)* rent (modest 1br): $2,300* groceries: $550* car + insurance + gas: $800* student loans: $400* utilities + wifi + phone: $350* health copays + prescriptions: $150* household essentials: $100* takeout / basic sanity: $200* emergency fund / unexpected repairs: $350total: $5,200 leftover: $100no vacations, no luxury, not buying a house.just paying bills and existing.
>>541250481buy an ad you faggot
>>541252503What the fucks household essentials what are you buying for 100$ a month?What the fucks basic sanity and take out?All of these products are cheaper in the US then the EU so what the fuck costs this much.Also what the fuck is Wifi don't you own a fiber connection or cable?
>>541252503>groceries $550>student loan>lists non essential shit anyway>YOU ONLY HAVE $100 LEFTOVER AFTER I WAS RERARDED WITH MY FINANCES
>>541252461no shitthere's a reason rural america has been conquered by opioids and suicideanywhere "affordable" is soul-destroying to live in and anywhere worth living in is way too expensive because real wages haven't moved since the 70s
>>541252317You have the entire internet at your disposal. It literally doesn't matter where you live as long as you have friends nearby.
>>541252420>If you’re broke you’re not paying taxes anyway retard.Nice example of the motte and bailey fallacy!>b-but the study says I need more!Now a strawman!>The study that has 100k set aside for savings and luxuries?Which was about 20k annually like 20 years ago, which was pretty normal for a middle class household. I definitely grew up in a middle class household and my family spent a lot more than that between the two categories in 2006. I'm not sure if this is an example of a logical fallacy, I think it's just an example of you being too retarded to conceptualize that things used to be different.>>541252617>lists non essential shit anywayWhat part of "comfortable" do you not understand? This isn't about what you need to barely survive.>>541252659>real wages haven't moved since the 70sThey have definitely moved downwards. Quite sharply.
>>541250481i thought every white collar american made 250k starting salary
I have a family of five and live comfortably in one of those states and don't have 200k/year.This is typical demoralization kikery.
>>541252503buying a new car instead of a used one is luxury, living in a city where a 1 bed rents for $2,300 is luxury, in that you are living in area with extremely high property values and all that comes with that
>>541252500Yea i need to come up with a 5 and 10 year plan. I'm going to start practicing Spanish again for sure tho. And I'm going to learn how to sail bigger boats. I did little ones as a kid. Then I'm fucking off.
>>541252614* household essentials: laundry detergent, paper towels, trash bags, dish soap, shampoo, toothpaste. buy tide pods, dish tabs, and toilet paper once and you’re already at $50.* wifi = home broadband / fiber. the US has telecom monopolies, decent internet is easily $70–$90/mo on its own* sanity ($200): literally three modest takeout meals and two beers with friends so you don’t lose your mind. in us metros, a burger, fries, tax, and tip is $28* "cheaper than eu": not anymore. groceries in us metros are wildly inflated, also paying out of pocket for all baseline services EU taxes cover>>541252617* $550/mo groceries is $18 a day for three meals. that's eggs, ground turkey, and oats, not ribeyes* student loans: the degree is literally how you got the $100k job* cut every cent of "fun" and household soap out: congrats, you have $400 in savings until one blown tire, cavity, or doctor visit resets you to zero.* having to live like a medieval monk in a 1br just to stay solvent on six figures is literally the entire point.
>>541252701I know you think you’re smart but your “middle class lifestyle” didn’t end up in taxes towards Israel it went to China when we threw away all our manufacturing. We’re also spending trillions on niggers that to this day have only gotten more retarded. You can stamp your feet as hard as you want but the middle class isn’t coming back until we’re a white ethnostate that actually builds shit again.
>hey did you know it costs a million dollars to raise a child>definitely don't have a child it's way too expensive you can never afford it
>>541252503>Be me>5600/mo>Rent + Internet + Utilities: 2000>Gas: 200>Car loan because I'm retarded: 700>Student loans: 0 because I'm not retarded>Groceries: 200 (wtf are u doing nigga)>Health: Job pays for it>Basic sanity: Going outside>Savings: 1000
>>541252783Nigger I’m 200lbs and I cannot find a way to spend $18 a day on home cooked meals you’re just being disingenuous in your retarded example.
>>541252750fair point, totally agree. these are just example numbers to show how fast six figures evaporates in a major metro where those jobs are concentratedswap the car for a 10 year old civic, split rent with a roommate, or go rural and the math completely changes
>>541250481I could live alone in a half decent looking apartment (that probably has a good bit of niggers) on 16k a year. If I made 30k a year I could just rent a house. Though I suppose rentfagging isn't exactly comfortable. Good thing my girlfriend makes 80k a year and inherited an acre property that we now live on. She however couldn't live without me because she is a fucking idiot who put herself into debt. New $650 a month Jeep Compass bought THOUSANDS of dollars in crystal from some chink streaming site, has eight cats, that sort of dumb shit. I am only just now allowing her to get out of the hole.
>>541252750>buying a new car instead of a used one is luxuryBullshit. Buying a new car makes more financial sense if it's a good car. You get more useful years out of it, and a guarantee it wasn't treated like shit and all maintenance neglected before you got it. You're not pricing in risk. Furthermore people who buy used cars are always having their car break down and need repairs, which is a death spiral for a poorfag. The trick isn't buy used, it's buy what you can afford
>>541252765I heard good things about Mexico too, some anon used to post about how he makes 5k a month from veteran disability. So he lived in Mexico for a while and ficked 16 year olds who wanted american dick lol
>>541252783walmart.com76 Tide pods for 20$ 76 fucking washings in a washing machine, you could also buy cheaper detergent.78 Cascale Dishwaser Pods 20$36 Rolls of Angel Soft for 24$ Do you as as signle person wash your clothes 2 times a day and was your dishes 2 times a day? Do you use 36 rolls of toilet paper a day?Did you actually put this in paper. The Tide pods and Dishwaser Pods are going to last you probably 3 months. Same with the toilet paper. For 100$ you can probably buy 3 months worth of everything for your hygene and household. For your friends buy a fucking beer box of 30 beers and invite your friends over thats like 20$ for an entire evening.I literally can't remember the last time I went out drinking, why the fuck would I? I have a house I invite people over and we drink.
>>541252918$200/mo groceries is $6.60 a day you are literally living on bulk oats and tap wateryou listed $3,100 in bills on a $5,600 take-home and somehow only banked $1,000, the missing $1,500 literally proves hidden life expenses existzero car insurance or medical copays listed, total fantasy budget>>541252921$18 a day is $6 a mealif you are 200lbs and eating actual chicken beef eggs and fresh produce instead of bulk beans and canola oil you hit $18 by 2pm
>>541252750>if you forgo all material comforts you can barely afford to liveThat's literally why we're mad.>>541252858>I know you think you’re smartActually I think I'm average and you're stupid. Normal people can understand hypotheticals and can apply information from previous statements to later statements rather than having each new sentence crowd out the last.>your “middle class lifestyle” didn’t end up in taxes towards IsraelIt mostly went to wars for Israel, same thing really.>it went to China when we threw away all our manufacturing.Also an effect of inflation. When your primary export is dollars then there really is no incentive to actually build anything domestically.>We’re also spending trillions on niggers that to this dayThe welfare state is barely worth mentioning in the debt compared to the military and the debt which was accumulated to finance previous wars. The welfare state is a problem, but it's barely a drop in the bucket compared to those other two things.>You can stamp your feet as hard as you want but the middle class isn’t coming back until we’re a white ethnostate that actually builds shit again.Well that rules whatever you are out given that you're some commie of obviously inferior racial stock.
>>541253058Again, retarded nigger, our military budget is 13% of the total budget. That’s not just bombing the Middle East, that’s every base and ship around the world. Nigger healthcare DWARFS that and is almost double our entire military budget.
>>541253046you named three items and ignored trash bags, paper towels, soap, shampoo, deodorant, and toothpaste. amortize an actual apartment and it easily hits $80-$100/mo"i have a house" misses the entire point. this is about a single renter in a high-cost city on $100k today, not a homeowner drinking a $20 30-rack in the garageif a six-figure salary requires 1-ply paper, never eating out, and staying home 365 days a year just to break even, you literally proved my point
>>541253056>$6 a mealA carton of eggs is $3 how the fuck am I eating 24 eggs every meal?
>>541253056Mom does car insurance due to a group discount and job offered both copay and non-copay medical6.60 a day is 2+ pounds of chicken/pork or 1 pound of beef + extras if you buy when stuff is on sale
>>541253231because a meal isn't two dozen eggsone chicken breast ($3.50), a serving of vegetables ($1.50), and rice with olive oil ($1.00) is $6.00factor in morning coffee, fruit, and basic snacks, and a 200lb adult hits $18 a day on standard, balanced home cooking
>>541250481As long as they need to work for that money they don't live "comfortably" because work per definition is not comfy.
>>541253273"mom does car insurance" you are on your mother's family plan lecturing adults about the cost of independent survivaleating two pounds of unseasoned sale pork with zero vegetables, fruit, coffee, spices, or cooking oil is prison bulking rations, not an actual grocery budgetif making it work on six figures requires mommy subsidies and eating like a medieval serf, you proved my point for me
>>541253301>8 chicken breasts is $13>let’s round that up to a neat $3.50You’re fucking retarded.
>>541253000>Buying a new car makes more financial sense if it's a good car.This is a low time preference line of thinking which implies that holding onto enough dollars for long enough to buy a new car instead of an old one is wise. The dollar loses way more of its value annually than the CPR would indicate, and holding onto savings for long enough to invest in a new car is unwise compared to spending them and getting the value they can provide at any given moment. We're approaching the crack up boom.>>541253172>our military budget is 13% of the total budget.That's not the actual budget. The actual budget spent on the military in 2025 was about 1.5 trillion not 880 billion like is usually quoted. Meanwhile while the budget spent on healthcare is quoted at 1.7 trillion a lot of that is money that would be spent anyway, probably at least half of it.>That’s not just bombing the Middle East, that’s every base and ship around the world.So if we don't have a base in Djibouti I will have to worry about Chinese paratroopers landing in my back yard? Give me a break. The US could be defended with two Ohio class subs, one off each coast. Anything beyond that is just the global empire.
>>541253392BLS data puts boneless skinless chicken breast at $4.20 to $4.90 per pound in major US metrosa standard grocery store chicken breast weighs 8 to 12 oz (0.5 to 0.75 lbs), putting a single breast at $2.50 to $3.65eight fresh breasts for $13 comes out to $1.62 each, which only exists when buying 10 lb bulk frozen value packs pumped with 15% saline water, not standard fresh retail in a city
>>541253378>Lecturing adultsFamilies are supposed to help one another. Your claims are too retarded for you to be talking down to anybody>>541253392The only means of measurement you should be using is price per pound
>>541253487>Families are supposed to help one another.People used to take pride in being financially independent.
>>541253056You can buy an entire fucking tray of chicken breasts for like 5$ a kilo aka about 2.5 lbs My average meals like 300g of chicken breast with something like gochujang marinade and some rice or potatoes on the side with a soup and maybea salad if it's in season if not pickled stuff. So for that price you're eating what I am daily. Breakfast is skipped, I bring my "bento" with me to work and then for lunch it's bread with some salami and gouda chese and shit thats like nothing cost wise if you buy 2 pounds of salami and cheese and keep it in the fridge lasts like a month or even two.>>541253175>you named three items and ignoredYeah because these things are literally never used. Toothpaste is 2$, Paper Towels are 1$, Soap is 3$ per 50 fl oz, Shampoo is 10$ per 20 fl oz, Old Spice Body was his 10$ per 33 fl oz, 8 dollars for 2 3.4 oz Old spice sticks. Like dude that 35$ and the Body Wash, Shampoo, Soap will last you 3 months.All these expenses your naming seem to be in your head. I bought 2 of these old spice things at the start of the year and I've gone through one of them and the second one is like still half so thats a whole 30$ total a year on body wash. And mind you this is expensive body wash. You could buy store one for 1/3 the price so 10$ for a years worth of body wash. Worse even if you're a man you could buy for 25$ 1.5 galons of body wash + shampoo.
>>541253445>erm that’s fake dataIt’s real data. Considering it didn’t magically peak in this graph and considering you’re talking about historical wars in the Middle East. https://www.macrotrends.net/global-metrics/countries/usa/united-states/military-spending-defense-budgetHealthcare/welfare is 50% of the budget. Not all of that is niggers but I guarantee it’s more than 13%.
>>541253451You just proved his point. It's that cheap. It costs fucking 1$ per meal. Adds some in season veggies or frozen ones an thats it. 3$ lunch.
>>541252139> 3 beds, 2 baths, 2.044 sqft> image of a garden shackWho do you think you can fool here, huh?
>>541253058>The welfare state is barely worth mentioning in the debt compared to the militaryIt's impossible to reason with leftists when they're this retarded. The only way possible to balance the budget is to gut welfare and gut transfers to states. Social Security, Medicaid, and Medicare would be halved. SNAP and all those grants would end. There's no other solution. Democrats screwed us by making promises to buy votes that your great great grandkids will pay for. If you're lucky enough to have any.
These are 2024 figures, not the current figures (e.g. with the diesel and other oil products price spike and the tariff effects etc)?Can that be?>>541252975Your country's exploitative cunts will get her for all her money unless you stop her. She'll either go for it or at least not read the fine print and your shitty mostly "buyer beware" laws will do the rest. Figure out some way to secure the finances. Can't even have one in a team of two financially crash now.
>>541253487family help is great, it just means your budget isn't a solo one>>541253542fair point, your routine is super dialed in and frugalthe difference is that standard US costs assume an average baseline with three full meals and routine household upkeep, not micro-budgeting and rationingyou can definitely spend less if you optimize every single euro like that, but that is active frugality rather than the typical cost of living for an average joe in a US metro
>>541250481i hear you can live pretty cheap in PI doesn't mean i want to live there
>>541250481I have a question. If the government can just print infinite money and run deficits every year, why do they even need to collect income taxes?
>>541253445>US could be defended with two Ohio class subs, one off each coast.Sure but then regional wars break out. China attacks Taiwan. India attacks China. Russia takes Europe. Canada sells itself to China. Eventually someone will get leverage over the US as they'll own the sea routes and trade. Yuan would be the reserve currency.
>>541253762to create scarcity for the plebs. that’s the only reason lmao
>>541250481Seems about right. Daycare alone is ~$20k a year where I live. Wife and I make ~$280k combined so we're fine, but shit is expensive these days.
>>541251346A child typed this.Do you have any idea of the cost of living in affluent or "expensive" areas of Montana. $35K/year wouldn't even cover the expenses on your house in a place like Big Sky where the *median* home price is almost $2M and most sell for multi-millions.
>>541253672NVM I guess maybe they calculated/estimated values for 2026 off 2024 census data and that MIT tool. I guess it makes sense for right now.
>>541253591>erm that’s fake dataYou keep being disingenuous.>It’s real data.Yeah, it's the real official number, it's also wrong.>Considering it didn’t magically peak in this graphThat graph which isn't measuring all of it?>considering you’re talking about historical wars in the Middle East.We're still paying for them, so I'm still talking about them.>https://www.macrotrends.nethttps://www.warcosts.org/us-military-budget>Healthcare/welfare is 50% of the budget.And most of that is supply side subsidies for things which would be bought anyway, it's a distortion of the economy not money just being literally dumped into a pit for no good reason.>It's impossible to reason with leftists when they're this retarded.Indeed, and if I were a lefty then the point I would be making would be retarded. I'm so far to the right of you that I think of you as a socialist you fucking Friedmanite socialist. >The only way possible to balance the budget is to gut welfare and gut transfers to states.Better idea, let's just repudiate the debt. That way the people who willingly funded the welfare/warfare state are the ones left holding the bag and as an added bonus the federal government's credit will be wrecked so they won't be able to borrow anymore.>>541253787>Sure but then regional wars break out.Not our fucking problem.>Eventually someone will get leverage over the US as they'll own the sea routes and trade.So they'll refuse to sell to us or buy our products or something? I thought people like you were in favor of economic protectionism. Isn't that basically your dream scenario? Having a protectionist policy being paid for by a foreign state?>Yuan would be the reserve currency.Given what a disaster that's been for us, I would feel sorry for them, but I'm not willing to sacrifice a single red cent to save them from that fate.
That means The Golden Age is working.
>>541253787>Russia takes Europe.... why do some burgers unironically believe this?
>>541253955oops, meant to include part of this in a reply to this post >>541253608>It's impossible to reason with leftists when they're this retarded.Indeed, and if I were a lefty then the point I would be making would be retarded. I'm so far to the right of you that I think of you as a socialist you fucking Friedmanite socialist.>The only way possible to balance the budget is to gut welfare and gut transfers to states.Better idea, let's just repudiate the debt. That way the people who willingly funded the welfare/warfare state are the ones left holding the bag and as an added bonus the federal government's credit will be wrecked so they won't be able to borrow anymore.Also I forgot to mention the plan for balancing the budget was in addition to gutting the federal budget, not instead of.
What the fuck is comfortably? I'm in Nevada living on $40k in spending a year and I waste a TON of money. I eat out like four times a week and travel and stay in hotels rather than couch surf and drive all over the place.I'm thinking about getting serious for the next twelve months and cutting my spending to $30k mainly by only cooking at home (except special occasions).
>>541253955So simultaneously, there’s underreported military funding, and welfare is a beacon of truth and non approachable? You’ll ignore 50% of the budget potentially impacting inflation, while finger pointing at something that AT BEST is 20%. You’re intentionally disingenuous.
>>541250481These are always bullshit.
>>541250481Cunt Jews and their leftist golems hoodwinked anyone who moved to NC the decade before COVID. Literally two and a half cities are turning this place into fucking NY. Goddamn I hate them so much
>>541254101>So simultaneously, there’s underreported military funding, and welfare is a beacon of truth and non approachable?I'm not sure if you're deliberately being disingenuous here or if it's your previously demonstrated inability to hold two facts in your mind at once. There is underreported military spending, and that is in combination with the fact that the military budget is almost entirely unnecessary. Meanwhile the welfare budget is also underreported, but a substantial part of what it is spent on is stuff that would have been bought anyway. What the welfare budget does is just spend resources less efficiently than the private sector, what the military budget does is take resources throw them in a big hole of complete and total waste.
>>541251346>A single adult needs six figures in 23 statesYeah they mean a wine-aunter who goes out drinking twice a week, has 10 cats, and has a 2-bedroom apartment so she can have a guest room.You have to be seriously mentally ill / a female to think a single adult needs 6 figs to live comfortably in any state. That anyone could even sit down and make said graph, or multiple people working together to make it thought it made sense in any way, shows that it's pure jewish propaganda.
>>541254079Update to this it will have to start NEXT MONTH because I just saw that Red Lobster brought back unlimited shrimp a few days ago and I'm going TOMORROW before niggers ruin it again.I'm going to eat like 100 shrimp tomorrow. Fuck my diet. Start that again on Monday.
>>541252303>>541252503Just assume the number are bullshit and they're bullshitting you, it's all made up.They did countless studies saying that ackshually rich people are also living "paycheck to paycheck" and every time they dig deeper they find that they're investing like 30% of their money and counting that as a "necessary expense" so they have 300k in the bank but are "paycheck to paycheck", just assume they're lying to you whenever you hear ridiculous numbers.Also most americans don't make anywhere near that much (or even near the claimed median salary), assume that's bullshit too.
>>541254534you're totally right about those studiesa lot of high earners cry broke while maxing out retirement accounts and calling investments "expenses"the difference here is there's zero aggressive investing or luxury in the math, just pure fixed overhead like rent, car insurance, and groceriesand if $100k gets eaten up by baseline city costs with almost nothing left over, it just shows how rough it is for the majority making half that
>>541254376>>541254534The Study was done at MIT. So people with high IQ and high ambitions determining a extremely arbitrary metric of ''living comfortably'' may come out a bit ridiculous
>>541250481>family of 4>16k a monthWhat in the ever loving fuck are these people buying?
>>541250481These figures are underinflated because they presume you’re ok with spending an irresponsible level of your income on a mortgage (~30% of income at 7-8% interest).My state costs 30% more than even these stats when you go down to what used to be the upper limit (20% of income for 30 years). It gets even worse when you consider that 30 year mortgages themselves are an aberration, and it should be 15.
>>541250844Exactly. “Comfort” is based on some arbitrary standard of keeping up with the Joneses. I make 60k and live just fine in a decently large apartment in a major city.The idea that it costs six figures to live in fucking IOWA is so retarded only a plebbitor would believe it>>541254376This, there’s no reason for a single adult to even want a multi bedroom home. They’re probably using the “average” housing cost in each state ignoring the fact that singles only need small 1bed living spaces. And a family of 4 shouldnt need more than a 3bed and should be fine with 2 desu.
>>541254859it's pretty simple. $16k a month is ~$190k a year. taxed at 50% effective that's $8k take home. $3k for mortgage, $1k for car payments, $500 in car insurance, $1k for food, you have $2.5k left over for savings and retirement. wake up retard.
>>541253922>like Big Sky>Average family income: 138k>average single income: 88k>Bozeman>family: 85k>single: 56kBig Sky is by itself. Even Bozeman is significantly less.
>>541255047>AverageThere is a good reason that when people talk about income median is preferred over average in almost all circumstances. Even that is inflated though, and literally half of everyone is earning less than the median by definition.
>>541250844This. >>541250481I make about 60k a year and live just fine. Do people not eat at home? Do people buy new iphones yearly?
>>541254995The tax bracket at 200k is 24%. You wake up retard. There is no way you're making 50% "effective" taxes without memeing the highest state, sales and property in the union all at once and cripple yourself with a severe case of being too fucking dumb to make 200k a year and not know about deductions.
>>541255047Did you read the post to what the response was to:>In even the more expensive parts of Montana you can live comfortably with a $35k salary."In even more expensive parts of Montana""comfortably with a $35K salary"Big Sky, Bozeman, Whitefish, Flathead Lake, all "more expensive parts of Montana" you ain't fuckin' living comfortably on shitty $35K in 2026.
>>541255142That's not the point. The cost of living and "average" income in Bozeman is almost half of what Big Sky is. Using Big Sky as any sort of metric for Montana is disingenuous at best. If half the people are making less than 56-85k a year in Bozeman maybe you should be thinking a graph claiming you need 250k to live comfortably there might be more than a little bullshit.
>>541255298Read it again, and the graph that started this retarded thread. Comfortably is a nonsense metric. There are more places than Big Sky, Whitefish and Bozeman in Montana. Big Sky, by itself is an outlier and about double the col of the rest of that list. If people are living on average, meaning a lot make less, in Big Sky on 138k a graph stating you need an extra 100 grand a year to be comfortable is probably bullshit.
>>541255332>That's not the point.I don't know or care what your point is. I was pointing out that you used a bad statistic.>maybe you should be thinking a graph claiming you need 250k to live comfortably there might be more than a little bullshit.I'm not a fan of econometrics anyway, so enjoy attacking something I haven't been trying to defend anywhere in this thread. The only points I have been making in this thread are that price inflation is bad and that the government is causing it through credit expansion.
>>541252211You can’t save sodom and gomorroah.
>>541252918nigger, even that stupid meal prepper photo you fags like to share spends $240 for 1/3rd of 1 person’s monthly calorie intake when buying chicken and pasta in bulk from costco (one of the cheapest possible things you can eat, without destroying your health by eating gruel). I hate you faggots so much. Eating healthy food is expensive as shit in america. You’re not better for eating dogshit, you’re just a retarded shill.
>>541253601So $270/month, or about 35% more expensive than even his retarded claim?
>>541254376Go calculate a mortgage for the median home value in any of these states at prevailing interest rates. And no, paying 50% of your income for 30 years on a mortgage for a 1970s ranch house is not “living comfortably”.
>>541250481I sustain 4 grown adults at 70k a year in michigan. No issues. All bills and debt paid off, 4 cars, 800k house, good food. These 'standards' always include 3+ vacations a year, private lessons, thousands on new clothes, gardener, frivolous shit. Pure demoralization.
>>541255870>I'm comfortable, I just can't afford things that I could have easily afforded 20 years ago.Okay, so other than admitting you've lowered your standards over time, what does your post actually say? Because it sounds like you're actually the one who has been demoralized. The whole reason people are mad about inflation is because we think things should be better and can be better. That's optimistic by definition, while you sound extremely pessimistic.
>>541255948i have no idea what you're on about. prices aren't that bad if you buy real food. do you have an issue with my salary? why does another man care what another anonymous man's salary is? are you foidbrained? I live a good life and have acres of land to do anything I want with, with zero noise or air pollution.Budget better.
>>541255229Tax bracket at $200k is 32% genius.Here’s what taxes look like in a low cost of living state after earning $125k/year. After paying taxes and insurance you’re left with $7,000/month take-home to spend on bills. Average home price in the suburbs is $450,000. Average home price in the middle of nowhere (where you can’t get a job) is $350,000. Assuming you pay 20% down (90k), your monthly 30-year mortgage at the lowest 6.2% rate, assuming a maxed out 850 credit score, is $2,159/month. This is 30% of your income, above even the highest recommended safe range and therefore even jewish banks who will lend to retarded niggers consider you high risk.
>>541256192>tldr; double the average salary in a LCOL state can’t even buy you an average home.
>>541256073>i have no idea what you're on about.I can tell. That's not because it wasn't obvious though, it's because you're stupid.>prices aren't that bad if you buy real food.That's purely subjective. What is objective is that they are much higher than they were.>do you have an issue with my salary?Why would I? Do you?>why does another man care what another anonymous man's salary is?I didn't say anything about your salary, why do you think I care?>are you foidbrained?No, but I think you might be literally retarded.>I live a good life and have acres of land to do anything I want with, with zero noise or air pollution.Okay, so reread my post that you are replying to. What part of it do you think that addresses? Can you please point to it?>Budget better.I do a damn good job of budgeting. That's why I'm mad. In spite of my personal efforts to budget well, I can buy less and less over time. How does that not make you mad? Why are you satisfied with that state of affairs? Do you think money just naturally loses value over time? Do you think that's just how money works? Are you under the impression that there is some fundamental principle of economics which causes prices to rise in spite of increases in productivity?
>>541256314they’re just shills. Just like how jews brainwash leftists into thinking “niggers can do no wrong!”, these ones go after rightwing people and convince them they’re poor because they’re stupid/weak/lazy, and not because jews are stealing everything via inflation and usury.
>>541256314what does being mad about prices do for me? I'm not God, I don't set the prices, and my vote and voice don't either. the fuck do you want from me? my entire point is the graph is kike bullshit, because you absolutely do not need to make 230k to support a family. this is to demoralize any young couple that plans on having babies.>ermm sorry hun, we can't have a kid until you get promoted at that firm and we save up for 20 years!Meanwhile mohammad and tyrone have 7 kids with a mcdonalds salaryIt's all fake bullshit.go be mad at prices and voooooote harder or kill someone that matters if you want to make a difference. I prefer to make the best of my situation because I am not in dire straits.
>>541251094>>541251555Consumer spending is literally the basis of the US economy and you are retarded.
>>541256484I mean it's not just Jews doing it, but you are correct.>>541256583>what does being mad about prices do for me?It's an important first step.https://www.youtube.com/watch?v=ZwMVMbmQBug>I'm not God, I don't set the pricesI see, so prices are set by God, and God is the one causing inflation? You're implying that you literally do believe that this is a natural thing beyond mortal control. That is fascinating. Also very very stupid.>go be mad at prices and voooooote harderI'll do the first, fuck the latter.>kill someone that matters if you want to make a difference.oh goodness, I certainly advocate anything like that.>I prefer to make the best of my situation because I am not in dire straits.I understand, and this is because you're stupid. You cannot think past the present and realize that this is going to keep getting worse unless something is done. Eventually your best won't be enough and you will be in dire straits, and it won't be because you did anything different. I don't know what exactly should be done, but I do know that before anything gets done you've got to get mad.
>>541256605Women making up 80% of all consumer purchases will never be a real economy you absolute buffoon
>>541253445>This is a low time preference line of thinking which implies that holding onto enough dollars for long enough to buy a new car instead of an old one is wise.The same product can be purchased with different expressions of time preference.My comment has nothing to do with time preference, but characteristics of the particular assets being compared.A used car and a new car are not the same product.The central argument of a used buyer is that cars lose their market value faster than they lose transportation utility, especially during their early years, so if you buy used then someone else absorbed the largest share of disproportionate depreciation.For example one might buy a used car with 60,000 miles, but a reliable car could reach 250,000 miles. Over that period the price may have gone from 35,000 new to 22,000 used. So it hasn't consumed 37% of its useful transportation capacity merely because its market price declined 37%, and you can capitalize on the difference. That's not a bad position.However, my argument regarding new cars is that-remaining miles isn't a homogenous commodity. You don't actually know that your used car has a remaining 180,000 miles, and uncertainty about that notion increases because of the fact that it is used, with a history you can't be certain about.-when you buy a new car you are guaranteed (oftentimes by a manufacturer warranty) that certain expenses will not occur, which are increasingly likely the older the used car you buy-the first 60,000 miles are the highest certainty period of the car's lifespan. They are not equivalent in terms of risk to the latter 240,000+ optimistic miles.-there is adverse selection in the used car market. Many sellers sell because "something feels funny." But owners of exceptionally good cars tend to keep their cars.-unexpected car costs wipe out exactly the people that used car purchases are supposed to benefit, so this greater risk is more costly for them.
>>541250481Earn in High income neighborhood but spend only in Low income neighborhood. Is that hard to learn losers, or you need some jew genes to improve your IQ?
>>541257186Transportation can be thought of as a lifetime product/service that you consume.The relevant factors are:-lifetime transportation expenditure-adjustment for risk, both financial and injury-any differences in the quality of transportation and its amenitiesYou might experience a benefit to the first consideration if you always buy used cars.You will experience a benefit to the second and third considerations if you always buy new cars.
>>541257186This ignores my point, which is that the value of the dollars depreciates over time, and thus if saving is required to purchase a new car while a used car can be purchased more immediately, then one must consider the opportunity cost forgone by not simply spending those dollars when they are acquired and thus retain the most value they will have while still in your possession. So while a new car might maximize the amount of miles one can get per dollar, it maximizes it in terms of the value of those dollars at the time of purchase rather than the time of acquisition of those dollars. So depending on how long it takes to save up enough for a new car, the opportunity cost may have exceeded the savings of buying a new car, or at least rendered them marginal. Thus, your claim that buying a new car makes more financial sense only applies under certain circumstances.>>541257563This looks like it was written by an LLM. If you did write it yourself stop formatting your posts like that.
>>541257636>This ignores my point, which is that the value of the dollars depreciates over time, and thus if saving is required to purchase a new car* while a used car can be purchased more immediately, then one must consider the opportunity cost forgone by not simply spending those dollars when they are acquired and thus retain the most value they will have while still in your possession. So while a new car might maximize the amount of miles one can get per dollar, it maximizes it in terms of the value of those dollars at the time of purchase rather than the time of acquisition of those dollars. So depending on how long it takes to save up enough for a new car, the opportunity cost may have exceeded the savings of buying a new car, or at least rendered them marginal. Thus, your claim that buying a new car makes more financial sense only applies under certain circumstances.I addressed your time preference argument:The same product can be purchased with different expressions of time preference.The framing of your statement is interesting also, considering that very few people buy either a used or new car outright, and it's much more likely that someone would "save up" $6,000 to buy a used (piece of crap) car (that could develop an engine knock next week) outright than it is for them to save up $36,000 to buy a new car.>This looks like it was written by an LLM. If you did write it yourself stop formatting your posts like that.I've been using bullet points for 30 years. No thank you. I'm not insecure that my arguments look more sophisticated than a typical retard's.
>>541250844I live on $3,300/mo in Minnesota and I'm honestly comfortable.I save $1200 a month after all of my expenses and I also get about $200 extra a month to spend on whatever.I could never imagine NEEDING $97k a year to be comfortable.That's based on niggers who need to spoil themselves I guess.
>>541257411Go drown in the Ganges, Shitmeep. No one cares what poopniggers like you have to say.
>>541252503I live in a major metro area and make around 80k per year. $5.3k per month after taxes since I live in a state that doesn't fuck me on state income. *rent $1600 1br *groceries $400 at most. Buy in bulk, shop sales, do all my own cooking. *car/insurance/gas $200(car is paid for because I'm not a retard with a loan, have a clean driving record, and live close to work)*student loan 0 because I went to a community college and studied something that was in demand*utilities/internet/phone $180-200 because I shop for deals on cheap rates/plans*health insurance/meds $250*household essentials $50*discretionary spending on bullshit food $150*emergency fund/general savings $500*gym $50$1920 remaining. Subtract 1000 for investing/other savings. $900 leftover for whatever the fuck I wanna do every single month. Hobbies, saving more or investing if I feel like it, treating friends, taking trips....you're bad with money bro. And don't use your location as an excuse. No one is forcing you to pay $2300 a month to live in whatever overrated city you're in.
>>541257956>I addressed your time preference argument:I missed that, it's getting late and I should go to bed.>The same product can be purchased with different expressions of time preference.Indeed, and if I came across as implying that it was universally a low time preference behavior then I communicated my point poorly. I was arguing against the idea that it always made more financial sense, not that it didn't ever make financial sense. Your post implied it was a universal principle.>considering that very few people buy either a used or new car outrightI get that it's somewhat unusual, but it's what I've always done. I've never been a fan of buying anything on credit if I could possibly avoid it, since my first job was working at a call center handling collections calls, which left a bad taste in my mouth about the whole subject. That probably colors how I think about this, and I quite frankly didn't even remember that people mostly buy cars on credit. I do know though that most people in the US have abysmal credit, so I suspect most used car sales are done outright, and people who buy used cars probably wouldn't be approved to buy a new car on credit, at least not without a down payment which would amount to most of the cost anyway.>it's much more likely that someone would "save up" $6,000 to buy a used (piece of crap) car (that could develop an engine knock next week) outright than it is for them to save up $36,000 to buy a new car.True, although I have saved up and bought a new car outright.>I'm not insecure that my arguments look more sophisticated than a typical retard's.You're saying this after you spent paragraphs recapitulating a point that I didn't argue against because it was completely valid and only a single sentence addressing my point. In my experience LLMs have a nasty habit of ignoring your point in favor of long windedly ignoring it. So maybe if you won't change your formatting, try to avoid doing that.
>>541254988>keeping up with the Jonesesnobody knows who the "Joneses" are you fucking boomer
