/biz/ - Business & Finance

>>28912575
>10k
>all of this shit
>https://info.uniswap.org/token/0x6c28aef8977c9b773996d0e8376d2ee379446f2f

Making $6.7k after taxes, 401k etc.

after rent, bills, misc spending I save about 3.5k every month

my monthly budget
$800 rent + utilities
$200 food
$4000 i dump into random shitcoins

>>28912575
I try to only spend my money on the bare minimum I need for survival, and shitcoins

>$1300 rent
>leasing a car
Millennials that do this deserve what they get.

>>28912575
15k
rent: 1500
utilities: 100
food: 200
misc: 200

>>28912979
which should be together with the bare minimum to survive

Millennials can't buy a house in a summer without a loan even if they tried.
Boomers could

>>28912575
I save money by drying my laundry on my head

>>28912575
What exactly is meant by $300 per month on "Health"? Is this millennial slang for weed?

>>28913271
health insurance

$52xx after taxes

Rent $1395
Utilities $180
Car $300
Gas $200-$300
CC $270
Food $200-$300
Tithe $400-$500

>>28912575
$16,000 per month salary (About $11800 after taxes) from working full time and 7-10 hours per week prn at another job

Mortgage and utilities: $2500
Car insurance and gas: $250
Groceries and dining out: $400
Phone, internet, and streams: $100
Gym and health insurance: $200
401k and 403b: $1625
Misc: $200

Notice how most of my expenses are significantly less even though I make a bit more money than average. I have about $75-80k left during the year to invest in bitcoin, ethereum, and stocks.

>>28913287
There's no fucking way healthy young people are dropping $300/month on health insurance...right?

>>28913129
>leasing a car bad
Imagine buying a shitty 5k car with 90k miles that will blow up on you in a year

>>28913586
Nice bait. $10k can buy a very decent used Honda or Toyota that will last well past 200k miles.

>>28913474
>Notice how most of my expenses are significantly less even though I make a bit more money than average.
>nearly $200k/year is "a bit more than average"
kek'd
But yeah, that's why so many people stay poor no matter how much money they make. As soon as they start making more, they start looking for new ways to spend it.

>>28912575

how tf can you only spend $325 a month on food? are you living on literal garbage?

>>28913661
It's called cooking, anon. You'd be amazed at how much money you can save when you stop using doordash for every meal.

>>28913661
he's indian you moron

>>28912575
i can live like a king in my country with 3,200/mo tbqh

>>28913765
Indian ingredients tend to be more expensive compared to potatoes pork sausages salt and pepper

>he doesn't optimise his life for networth/hours worked

165k

~$1500, live with parents; paid off car, give my parents $1k, rest is insurance, food, gas, phone.

>>28913761

I cook for myself all of the time. I buy a lot of organic shit though because I'm allergic to cancer and premature aging. I need at-least $450.

>>28913849
The Indian dude is rich as fuck from real estate and youtube. The numbers you're seeing are for the average American millennials' salary and spending habits.

>>28912575
>$325 per month for food
>$300 for “health”
>$180 for phone and “””media”””
Fucking how...anybody singularly doing this is living way above what they need, especially if you’re young or whatever bullshit they’re trying to use to excuse financial illiteracy

>$4k/mo
>$1k/mo on bills
>$1k/mo on everything else (groceries, car maintenance, etc.)
unless i cut out insurance, i don't know of any other way to save on money.

>>28912575
I wish I could rent a 1 bedroom for 1300

>>28914097
Break this budget down even more and tell us what are of the country that you live in. I bet I can find areas where you can cut costs.

>>28914074

He has $300 a month listed for "health" though so I guess you could roll some of that into your food budget.

>>28912575
4200 net
-1600 for all bills

>>28913661
I could splurge and only eat fast food and not cook at all and I’d only spend $235. Take the FoforFo and the Cookout Pill anon

nothing I hate more than a fucking sand nigger

>>28914245

Next stop, high blood pressure and obesity.

>>28914074
You’re such a homo if you think buying organic removes all the shit that gets stuffed into our food. I can cook a week of 3 meals for two adults on literally $55 to $60.

>>28914394
There’s nothing more based than a burger anon. Are you not American?

>>28914394
I ate 4 burgers tonight... ngmi?

>>28914173
monthly bills are
>truck insurance: 103
>gas bill: 100
>internet: 70
>phone: 80
>motorcycle insurance: 15
>truck loan: 500
>gas: 160

obviously i can sell my motorcycle, get $2k and stop paying insurance on that, which i might end up doing. i was an idiot and poor so i financed a USED truck that i fill with $40 once a week. own my phone and i'm considering switching carriers if i can find a lower price. living with my parents because i can't find a decent house for a good price so as long as i pay two bills i don't owe rent.

>>28912575
Monthly salary:
>less than 1000$
What do I spend it on?
>gas for going to work
>occasionally a small gift for my friends
I live at home right now, but plan on moving out once I start my new job.
I'm 25 btw
Not every millennial is some high paid tech fag who can't handle their money.

>>28914245
>Take the FoforFo and the Cookout Pill anon
I'm a biggie bag boy myself. Nothing satisfies after a hard days' labor quite like a 10pc nuggies dippied in creamy sriracha, followed by a generous helping of hot, crispy fried and finishing everything off with a crispy chicken patty with wendy's signature sauce on it. Wash it all down with an ice cold carbonated beverage and you've got yourself the best deal in fast food, without having to sacrifice quality or convenience.

>>28912575
You think it's just fucking millennials dude?

>>28914654
forgot to mention the other $1k on everything else is the amount i allowe myself to spend. sometimes i end up spending more, sometimes there's a surplus. i'm not always spending the same amount on groceries, i'm not always working on the truck, etc. its more of a weekly spending limit and it comes out to 1k a month.

>only 38.5k
No wonder why millennials are such bitter wagies

>>28914780
Biggie biggie biggie can’t you see
Sometimes your burger hypnotize me
And I just love your tasty ways
I guess that’s why I Neet while they all Wage.

100k salary

Rent $0.00
Misc Spending $250.00
Internet/phone $60.00
Gym $75.00
Gas $55.00
Car $450.00
Food $340.00
Student Loans $300.00


Crypto $1,500.00
401k $3,000.00
Cash Savings $616.67

Thoughts?

>>28913586
I bought a $7650 2009 Honda Fit in September 2018. I put $2000 into it. Had 99k miles when I bought. I guarantee it will last to 200k miles and not blow up.

Leaf so I'm poor. Also 2 jobs.

$3400/mo before tax/RRSP first job
$300-600 from second job depending how much I do it
$2400 after tax/RRSP
$1600 spent total average per month

So usually I save just shy of 1k a month. Used to save more but I'm an alcoholic.

>>28914654
>>28914863
Holy fuck. Why do you have a $500 car note for a USED truck?? Get rid of the truck and motorcycle and get something more practical. That's a potential $300 saved right there. You could probably save $200 on gas and maintenance as well. Switch your phone carrier to Cricket or Mint Mobile. That's $50 saved.

2k total budget with all utilities, mtg payment, groceries.I love alone.
Make about 9-10k/mo after taxes. 7k/mo into crypto, but quitting soon as I've kinda made it.

Ukfag, converting to dollhairs

2300$ post tax
550 on rent and elwctricity heating
200 food
100 for this phone plan i got scammed for 2 yrs plus amazon and wow subs

1550.
20% stays as cash, 60% index funds 20% physical gold and stocks for copper/silver mines.

Obviously a bit less if i splurge sometimes

>>28912575
5000$ after taxes, 401k, and ESPP

-2.5k on home (fuck the west coast)
-100 on electricity
-500 on car insurance
-200 on loan payment
-300 on groceries
-100 on seedbox

2.8k per month.
I spend ~70% of it.
My expenses should go down after I sort out some health issues. Most of my money is spent on food and rent.

>>28915031
Are you shoving the other 80k up your sss or nose?

>>28915172
Congrats on making it. How much do you have saved?

>>28915309
That's monthly after tax you retard

>>28913548
Those are just the premiums, anon. I have a great federal employee plan where the gov covers 80% of the premium and I still have to cough up $150 a month for my 20% of it. Then if I actually have to visit the doctor it's like a $40 copay each time and procedures are 30% cost share until I hit my $4000 deductible for the year.

I'm 24 and healthy. Burger healthcare is righteously fucked.

>>28915109
>Used to save more but I'm an alcoholic.
Instead of that second job you should spend that time getting sober. Save you money.

>>28912575
6700 a month
Nothing I live with my parents
Then there’s my stock/crypto portfolios

I thought your employer in the US paid your 401k contributions

>>28915377
Are you retarded? He asked you where your money is going. Clearly it isn't being saved or expensed.

>>28915491
EVERY MONTH I SPEND AND/OR SAVE THAT AMOUNT.

>>28912575
450k a year, 4 days a week, specialist physician. Was super cheap before spending like 4-5k a week max now more like 8-9k Bc mortgage is 4500

>>28915518
Okay, we thought you only had that much in cash, crypto, 401k. Who puts 3k a month in a 401k?

>£1950 a month after taxes
>£120 to mum so I can live in her basement
>£160 on food
>£30 on car insurance
>£24 on road tax
>£40 on petrol
>£100 on random shit
>rest on crypto

Am I gonna make it

>>28915415
This anon, all that money you get from that second job is gonna get blown. Watched my partner literally empty over 10k in savings from their great new job that was going towards a house on their addiction in less than four or five months. Maybe you’re not their yet but you will be one day

>>28915481
You usually have to put in a certain percent to get the employer match. For me I have to put in 8% of every paycheck to get 4% from my company

>>28915574
What else am I supposed to do with that money?

>>28915583
Also, there not their, I’m retarded

>>28913586
bought dodge 1500 with 20,000 miles on it for $10k cash off the dealer lot in 2006. Have spent $2k in repairs. Have driven 150k miles.
bought 1984 porsche for 12k in 2015, sold it for 18k, spent 1k in repairs.
I have flipped about other 10 cars sub $10k price point and never had one "blow up in a year"
You have never bought a used car. This I know.

>>28915325
about 400 currently. I realize that I can leave on good terms with my employer in case I royally fuck it up, with the value of bitcoin and crypto ever increasing, and my past successes starting from 4 figure hell, I know I'll make it at this point.

I live very within my means, and I could also become a community manager for an up and coming project if I really feel the need for a structured job in my life. Anything to get away from current employment.

>>28912575
>400/month on student loan
>make under 40k
topcuck

>>28915602
Look kid... I’ll say this once and only once. Chainlink.

>>28915109
redpill me on cheap rent in canada

10k in monthly salary, 2.5k in average spend. About 2/3 of that is for rent, the rest is food and utilities.

>>28913915
Most whiteoids eat overpriced preprocessed trash

>>28912575
>$5 after tax
>$2.3k rent/utilities/insurance
>$50 fuel for vehicle (vehicle is paid off)
>$350 food
>$300 miscellaneous
>$2k saving/investing

That "rent" category is soon going to turn into a "mortgage" category.

>>28915602
Well for one you are over the yearly limit unless you are counting you and spouse in which case you don't make 100k a year yourself.

>>28915645
>>28915583
>>28915415

I was kinda joking, but once I told some co-wagies that I had a couple of beers a night and they gave me the same spiel like I'm on the edge of losing my money on drugs.

>>28915848
>$5

$5k

>>28912575
1100 Euros income

300 invest in crypto/silver/stonks
400 rent+utilities
300 food
100 misc

>>28915884
Sorry, I meant an index fund.

>>28915848
>That "rent" category is soon going to turn into a "mortgage" category.
>imagine not paying cash for a 60k craftsman
signing a contract whose literal translation means "DEATH". ok sure thing bro.

>>28915676
Nice, you're LeanFIRE. I personally want at least $2 mil invested before I think about stopping work.

>>28915954
Yeah and this is why I can't trust any of your numbers.

>>28913586
Hondas/acuras with the k20, k24, b18, h20, j32, or j35 engine will literally run to 200k+ miles no problem. This is only true if you do not buy a Honda. 5k initial buy, then like 1k for upkeep per year. Do not get fucked over and lease a car. Hondas are also pretty fun if you get a manual because they like to be revved :)

>>28912575
Long story short, I'm poor so I live with mommy and daddy still and am all in crypto. Could have had 100k without trading

>>28913140

Are you a stripper for a living?

>>28912575
>$3200 × 12 = $38,400, not $38,500
"Diversity"

>>28912575
>student loan debt

LMAO imagine falling for the college meme

>>28915748
I don't rent.

I bought a house early 2010s in the armpit of Ontario. 140k. Neighbors house 2 months ago sold for 400k and it's slightly shittier.

Good thread.

Make about $7k/month after everything.

$1.8k is mortgage/insurance/tax (I live in one of the more heavily taxed states)
$1k is medical
$300 gas/petrol
$150 electric
$600 for groceries (family of 4)
The rest gets invested in life insurance/college savings/additional retirement/etfs/crypto

>>28916172
>fell for the whole life insurance meme
be your own banker bro. lololololol

roughly 4.6k AUD. also do paid clinical trials for dual income bc I can work from my laptop at clinics.

rent $670 per fortnight
don't own a car, work from home
don't pay my bills and pretend I'm going thru hardship, only add occasional amount to avoid credit default bc I know how the system works
I scrounge food, going to supermarket every day looking for 50%+ reduced food
gym $20 p/w
occasional uber or alcohol splurge probably max $200 p/w
go on a $1,000 or so shopping spree every 4-6 months
otherwise I have all I need
rest of it goes to crypto
gonna make it

>>28912575
$2200/mo NEET bux

$70 phone
~$150 food
~$50 thrift stores for inventory that turns into ~$200/mo back into my bank account

I love the NEET life

>>28915481

They usually pay half, up to 6% of your check

>>28913548
I pay $700 per month for my premium and have a $13,000 annual deductible (family). So $21,400 for my health insurance before Anthem even pays a dime. Best part it they charge a premium over normal prices so I pay even more than if I had no insurance. It’s basically an “oh shit” policy.

So like my medications cost monthly around $60 without insurance or $210 with insurance.

Yes our system is fucked.

>>28912575
About 40 - 50k

LOL imagine having student debt, a car payment, or paying for (((MEDIA))). Only think you need to pay for is internet - literally any show you want to watch can be downloaded. Or if youre really a cheap fuck you can churn free trials.

>>28916305
same neet bux

$2200 neet gibs

$1200 rent
$150 car
$50 phone
$50 internet
$25 power
$300 booze
$250 food


i break even, good enough for me with my crypto gains

>>28912575
>Around 1400 per month
>650 on rent/utilities
>100 on groceries
>35 for phone plan
>??? On random shit
The rest is either thrown into crypto or goes towards my balance for the semester.

>>28916172
Why do you have life insurance lol

>>28915986
LeanFIRE? Not sure I follow. Enlighten me.

>>28916275
Sorry I should clarify. The life insurance isn’t invested. It’s a $2mm term life policy.

>>28916761
Idk single father with three kids under 10.

>>28916275
>>28916761
double indemnity

his wife is going to cuck him and then kill him

5200/month post-tax
2500/month rent/utils (I'm overpaying, but it's for my mental health, and it's worth every penny)
$400/month in food ($200 food delivery, $200 groceries)
$150/month car insurance (car is paid off)
$300/month everything else

5200-3550= $1650 for fun stuff/investing. It's not a lot, and I wish I made more, but I've figured out a lifestyle that works for me.

>>28916801
good stuff, term is the way to go

>>28916170
Ah, nice. Yeah real estate is getting stupid here.

You pretty much need to own a succesful business or moonshot crypto to buy.

>>28916873
My wife died of cancer.

>>28916922
rest in piece big rizzle

>>28916764
FIRE stands for "financial independence, retire early"
LeanFIRE means you saved up enough to retire early and spend less than $30k per year.

>>28913586
I'm sorry you were raised by a single mom

>>28913548
wwww wait til its mandatory like in ca. This year people will actually get penalized for not having health insurance.

This is your brain on democrat.

>>28914397
Ya, with a total nutritional value of cardboard.

>>28914535
Am Burger

>6000 after tax income

>1900 rent
>364 bills (heating electricity water internet etc)
>170 groceries

Leaves me 3500 each month to invest. Sometimes i buy a few video games.

everything in aud

no salary, 6 figure link stack
probs have a budget of just under 2k a month with bills/expenses

>>28912575
Technically I make $3400 a month. Actual take home is $2600. I usually have about $1k to spare every month. Half of which I throw into an emergency fund. Half of the remaining I invest into crypto. The rest is for incidentals and fun shit. It's not much, but I don't have any debt this way. My ESPP shares unlock every 6 months too, so that's a nice spring/holiday infusion of cash. And I can always cash out some crypto in a real pinch.

>>28917130
Time for glorious rape!

>>28914654
>truck loan
>$500

end your life now before the loan company does it for you

$2400 a month:

450 rent
50 electricity
50 phone
200 food
100 recurring subscriptions
200 entertainment/eating out/other misc crap
350 emergency savings
1000 investment in crypto and stocks

>>28917005
Oh, yep. That's me! Even with multiple trips I've had booked, I'm under 30k for my budget. While I know it's not enough being stagnant, if I make just one or two 10x moves, I'll have enough to safely retire for life.

Going to look up more tips on living this sort of lifestyle. Thanks king.

>>28914654
If you're living at home with your parents you don't need half of those things in your life.
Seriously.
It's like I'm reading something out of a Dave Ramsey thread

>>28912575
>~6k after tax & 401k
>2k house payment (but I don't exactly have to pay it)
>Truck is paid by company
>Health insurance paid by company
>phone paid by company
>water/sewer ~200
>power ~120-200
>garbage 30
>internet 45
>cc bill is usually like 1k/mo but mostly on stupid amazon shit
Company is s corp owned by me....so I take distributions when I feel like it.

>>28917014
yes but I bought a used car with 15k miles on it. It's been fine but not discounting leasing a car. I got lucky.

>>28915140
the minimum is like 350, but i chose to pay 500 since its still within my budget. midwestfag so a truck is pretty handy sometimes. if i had my own place i would have a shittier truck and a shitbox with the adequate space to park both. this is an argument we can go back and forth with for the next 3 threads, in the end its my decision to get a truck. it hasn't failed me yet, so by maintenance i mean just oil changes and spark plugs. cricket is notoriously shitty in my area and the only reason why its even still around is because of all the ghetto people (black, white, brown, and yellow), that can only afford cricket, use it. haven't heard of mint, but i'll look into that one

>>28917386
see >>28917923

>>28917587
what half would that be? if i get rid of both modes of transportation, along with the insurances, how will i get to work?

$4200 a month
>$1700 rent/utilities (3 minute drive to work)
>$200 invisalign
>$70 internet/phone
>$350 groceries/supplies
>$10 Spotify
>$x misc who knows lol

$40k fiat in the bank, a small amount of silver (~100oz), own both my cars outright (old, low mileage), etc. I don't have any expenses that I couldn't pay off immediately (ie invisalign). I know I could save more by cutting expenses but I don't want to live like that

>>28917456
100 recurring subscriptions
200 entertainment/eating out/other misc crap
350 emergency savings
>retard

>>28918294
Why?

>>28918412
list your subscriptions please

I hope to be successful as you guys.

>>28912575
Sand nigger

>rent & utilities $340
>car $100
>food $200
>phone $40
>car insurance $40
>health insurance $0

>net worth in crypto 95%

>>28912575
I'm sure mr. poo is good with his rupees though

>>28917130
awww cute, you almost figured it out.
This is what happens when dems try to placate the right or be centrists.
You need m4a.

>all these fags getting paid out the ears
>tfw I'm making 45k/year CAD before taxes at a tech job in fucking Hongcouver
how the fuck do you guys do it

>>28919940
for starters, i'm not canadian

>>28919575
wat?

>>28912575
+300 salary after healthcare deduction
+400 from my 5 XSN masternodes

$100 rent (70m2 apartment)
$50 food (20kg chicken, rice and vegetables)
$60 bucks for services ($20 gym $20 internet 100Mbps, $5 electricity $10 phone)

I could make money with my drawing and photographer skills, but meh...Im a simple guy. I dont like working.

>>28912575
>$9500 a month between salary and bonuses
>Rent $1800 a month
>Internet $100 a month
>Electricity $100 a month
>Various subscription services $60 a month
>Groceries $100 a month
>Eating out/take out (fuck you China) $200 a month
>Car and renters insurance $100 a month
>Gas maybe $20 a month now that I don't need to drive to work
>Total expenses ~$3480
>Net profit $5970
Basically just save all of my money and any time I get 20k in my bank account I drop 10k into stocks or crypto. It's comfy.

>>28920200
He said we need medicare 4 all.
As a Canadian who pays out the fucking ass for a system that's fucked up my dad's heart surgery so bad that he's been in the hospital for 3 months instead of the 2 weeks he was supposed to be in for, I can tell you it's not worth it in the slightest.

>$4000
>$600 rent
>$300 utilities
No school
No car payment
No phone
No debt
No consooming
Saved $10k in a few months, bought a bitcoin and some linkies
Hate city slicker faggots so much it’s unreal

>>28915816
This, or expend all this money on shit food with home delivery

>>28920527
Ahh, yeah no it's friggin retarded. Even as expensive as it is health insurance is still a fucking joke, like policies are now all almost exactly the same and they suck. I need to look into an HSA I guess...

>>28915710
based

>$140k

>spending mostly on hookers and DHT then staking the DHT on dhedge to make enough for another round of hookers

>>28913765
Pajeets have their moms or wives cook for them.
The guy just made a guess on how much food costs per month because he doesn't know.

>>28921125
How do you find the hookers? This would probably be my main vice if it wasn't such a pain in the ass in America. I miss Southeast Asia lol

>>28915848
>That "rent" category is soon going to turn into a "mortgage" category :^)

Congrats on your debt slavery

>>28920527
>As a Canadian who pays out the fucking ass for a system that's fucked up my dad's heart surgery so bad

Fags in this country will never admit we have a 3rd world system

>>28916031
based and k-series pilled.
DC5

>>28914095
$325 is fairly reasonable for food in a month imho depending on where you live, but yeah the other ones are definitely a stretch. 180 is pretty ludicrous for "media." Does he have a subscription to every streaming service available or something?

>>28913548
I’m a single male under 40 with perfect health and pay 600$ per month through my Fortune 500 company plan to get medical dental and vision with an 8000$ deductible.

I went through the system recently for an injury, three months and five doctor visits later I got to a specialist that told me yea it looks like it healed itself.... 5000$ in out of pocket costs on top of my premiums for just talking to people and getting some imaging of a joint done.

Thanks illegals and blacks.

I wish they would change the fucking system so when someone comes in that can’t pay or has no insurance they just give em an ice pack and tell them to walk it the fuck off or go die in a ditch.

>>28912575
>income $4,000

>vehicle $300
>rent $0
>phone $100
>food $400
>misc $200
>invest $3,000

>>28923188
Also

Income 10k/mo

~2k house with everything included
1.5k on vehicles
2k food and booze

I buy other shit too I don’t keep track cause numbers in my accounts keep getting bigger so fuck it.

>freelance so it varies but typically $3800 after taxes
>900 goes in shared account with wife for household use
>2900 goes straight in the bank
I'm currently investing about 10% of my net worth. Also we have a house but no car because in Tokyo bikes and trains are better for us (no kids yet)

>29
>1500 after tax income
>live with parents
>300/month expenses
>1K per month into bitcoin

$ 100 on rent + services
$ 100 on food
$ 100 on taxes
$ 700 on furniture/hardware/etc
$ 1000 on shitcoins

>>28921136
>Pajeets have their moms or wives cook for them
And its so comfy bros.

I live with my parents.
>$5k/month income
>$1.6k/month to student loan debt (want to finish by October)
>$500/month car loan
>$140/month gas
>everything else building up in checking account
Am I gonna make it?

>>28920520
>Various subscription services $60
Simp detected

>>28912575
Maybe 800 overall. If you share rent that shits cheap, for me at least 350. Like 120 for health

30k gross/month
1500/month 401k
1000/month 409a
3600/month mortgages
900/month car
500/month utilities

>>28920520
>subscriptions
>doesn't steal everything
What the fuck??

>>28923849
>checking account
Yikes

>>28912575
This is what motivated me to stop being a wage slave. $15 and hour is not enough. $20 an hour is not enough. $30 might be enough to not worry about money, but you'll wageslave until you retire. Who makes $30 at your wageslave job? The supervisor? The Manager? Is that all you want to be? A old bitter asshole who is too old to do manual labor, but is good at barking orders? Get the fuck out now anons. Find ANYTHING to get out of that hell.

>>28923883
You must be a rocket scientist or a movie star??

>>28923969
This is why I buy bitcoin

5.4K post taxes, benefits and deductions. I have and FSA for this year for medical expenses.

I'm getting some mental health treatments, dental care and new glasses.

rent: $1675, for a penthouse in a downtown city
Utlities: $120
Phone:$65
subscriptions: $50, prime, google music, audible
Groceries: $200
Gas$50
Debts: $1100.

I have about 1.7 to 2K left everymonth. It's going to savings and debt repayment.

>>28923980
Insurance executive

>take on a $500 a month loan for the privilege of becoming a wageslave

lmmmao

>>28923854
>>28923925
I make a little over 200k gross before taxes and 401k contributions. Why would I need to steal shit? I'm paying for the convenience mostly. That and my girlfriend uses them. I still torrent my obscure weeb content though.

>>28924123
Is my theory correct that costs are so high mainly from the tens of millions of illegals and blacks that use ERs as primary care physicians and never pay?

>>28915652
Bullshit. Maintenance costs for a used car are around $1k a year

>>28924510
Depends on the car model and where you get it.

>>28924198
Don't lie, various subscriptions is definitely twitch thots and OnlyFans you simp larping faggot

>>28913586
I know a bunch of people that bought a car for around 1,500 dollars and have kept them for many years you sheltered fucking faggot.

3000 every two weeks
1100 every two weeks to “bills” account
1900 left for groceries, dog food, life ins, bills - all in all I usually have about 1200 or so leftover and I blow that on crypto, stocks or car parts kek

>>28924479

I’m not involved in private health insurance. But yes, at the end of the day the rate makers look at frequency and severity to determine a rate in the aggregate.

In a perfect world insurance is intend to be a zero sum game. The insurance companies make their money on the float between when premiums are collected and when losses are paid out.

>>28913586
I have a 99 corolla that has minor issues at 257k miles bought for $500 and has lasted 3 years now.

>>28912875
Kek I barely make 3.5k a month

>>28924610
Believe what you like. I pay for a lot of things, but cooming isn't one of them. Netflix, hulu, disney+, crunchyroll, Amazon prime, YouTube premium. Used to have a regular gym membership and a jujitsu membership but the coof made those pointless.

My monthly payments are
>$750 for rent, wifi and laundry included
>100 for phone, 75 after March when my phone has been paid in full
>30 for gym membership
>400 in food
I mainly work from home and public transportation is included with my work so it’s free. Also mind you I’m in NoVa so housing is a bitch here but I still managed to find a pretty nice place. Healthcare is a fucking scam if you’re under 35 and have no pre existing conditions. If you have a family and are under 35 then I understand if you got health insurance. My retirement costs me about 200 a month but I don’t even think about that cash at all. If you really wanted to save cash you’ll fucking make it work. I have no sympathy for faggot millennials that can’t go a month without pedowood entertainment or if they get clobbered by student loans for their bullshit degrees. They’re gonna want me to pay for their poor ass decisions so I DEFINITELY don’t give a fuck about them at all.

>>28912575
$3.6k after tax
>$850 rent
>$120 internet
>$2-300 food
>$40 vape juc
>~$1000 crypto
>$15 phone
>~$2400 total

about leaves me some room to invest more or dick around with on guitar equipment or vidya

thats about $2400

>>28917138
You can get healthy foods for cheap like frozen veggies or chicken breast

>>28924123
Oh so a Jew.

What i earn per month:

27500 saudi riyal

or

8k dollarinos

or

5.5k British pounds

What i spend it on:

Keeping my wife happy, paying for my child's education. paying of my 2020 audi a7
and mortgage and bills

Monthly outgoings of about 2.6k british pounds a month

>>28925341

Nope. Just a white dude trying to get paid after serving my time.

>>28918585
Just keep a positive outlook on life. ESPECIALLY if you’re in huge debt from school. Being bitter and nasty won’t improve you in anyway if you are in a position where you’re indebted for life.

>>28913661
Buy a Onions subscription

I'm a NEET and all of my money goes towards silver.

80k/year, take home 4k/month, 24 years old
>0 rent/utilities live with parents
>0 phone/health insurance/car insurance, all on their plans
>$500/month into 401k (not counting match)
>like 100-200/month on food, dont really keep track
i used to take my entire paycheck and dump everything into my stocks portfolio. now i made too much on gamestop so i just let it stack in my bank account for taxes next year. I donated $1500 usd to some retard that lost his fathers money on gamestop, i think im going to buy my gf a $1800 diamond necklace for our three year, and ill probably upgrade my gaming computer since im still using a fucking r9 270x kek
i am the ideal spending unit right now, excited that i get about another year of this

>>28913586
It still shocks me that it isnt common, widespread knowledge that cars are basically the single worst investment asset a young person can buy

>Mortgage is $600
>Own my car
>Student loan paid off
Feels good man, what fucking phone plan and media are you buying that damn high. How do you expect to make it off $120 into a 401k lmao

>>28912575
>Salary $700
>Spend $1500

>>28912575
He failed to mention that older generations have similar expenses.

>>28923188
>Thanks illegals and black
I don't get it...

>>28919940
What do you do and why so little? I know retards making at least 60 in hongcouver

>>28913586
>spent 1k on a car 5 years ago
>still my daily driver

Fuck you roastie

>>28912575
Paying monthly for a fucking car is the stupidest part of american culture. My 2 closest friends told me I was stupid for buying a $4000 used car years ago because I'd "have to make repairs" and it could "cost just as much as a new car" even though it was checked by a mechanic and was legally reconstructed because of multiple new parts. Except both are now 10-15k in debt and have had thousands of dollars worth of repairs. The only thing I have ever had to replace on my car was the battery, for about $200. Just think about that. They each are in debt for more than twice what I paid for my car STILL after a few years of payments and they have had to pay about half of what I paid in repairs even though the cars were new because they got "cheap" new cars rather than a reliable lasts-forever car with a good track record.

I can understand rent, because rent is obscenely high in places, but holy fuck. You do not NEED a brand new car. You spend mabe 1 hour tops in your car on weekdays unless you do delivery driving or regular road trips. The myth that it's better value in the long run is stupid. A beater with a legitimate mechanic check under 5k is all you need.

>>28912575
>rent: $500
>car: $0
>student loan: $0
>food: $150
>phone: + media $160
>health: $300

cool. So the republicans were right, millenials are just genuinely stupid. Seriously fuck anyone who debtmaxxes into a car payment, student loans, and a house they can't afford.

4k after tax

>2k mortgage (double the min i have to pay)
>200 car
>500 food
>200 alcohol
>300 basic bills
I spend whatever is left on shit i 'need', things for my house, clothes, other various bills

>>28912575
"Healthcare" expenses always got me. What the fuck kind of weak bitches are these young millennials and zoomers if they have to seek medical attention on a monthly basis? I'm mid 30's boomer and I go to the doctor for a physical like once a year, if that, and that's the only time I set foot in a doctor's office.

>buy used car
>exploded in 2 weeks

yea, no.

>>28929631
it's health insurance dude. You don't have health insurance? Are you poor?

>>28912575
I haven't even gotten a haircut in months. If people ask I blame the pandemic

Lmao dumbasses get on my level.
>be me
>live in third world islamic shithole
>software engineer but no job cause salary is about 200$ bare minimum
>do leverage/forex day trading
>make about 20-30 grand a month
>monthly expenses are about 1000$
>currently fucking 2 niqabi bitches behind their parents back
I am planning to move to Australia soon to pursue my masters degree. Life is good

>>28930224
I work for a not-shit company that gives me an actual not-shit plan. I haven't had to pay out of pocket for anything, including dental visits for the past 6 years

>>28912575
2600 euros after taxes. I save about 1000euros a month. 200e going to crypto.

11k

$3000 taxes
$1200 mortgage
$600 car/insurance/gas
$500 food
$300 clothing
$5000 scented candles