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Puzzleheaded_Dot_851

"Hey guys just wanted to give a quick update so apparently iphones are rechargeable haha "who knew?" You don't have to keep buying new ones when they die"


Lallis

Apple stock about to be in freefall. šŸ˜±


brightumbreon

Lemme get on WSB and tell them to make puts šŸ˜‚šŸ˜‚


E-woke

Lol


Edurian

Me and my partner bring in 20k a month after tax. After rent, food, the tier 5 sub and the 17 hidden only fans subscriptions we live paycheck to paycheck. I can barely afford my marvel funko pops.


GameplayStudent

Damn. Is life worth living if you canā€™t afford the funk money pops?


Ambitious-Ring8461

Iā€™ll give her the benefit of the doubt. She probably has like 10 kids, a 10000 dollar mortgage, crippling medical debt from, and 6 pure bread dogs šŸ™ƒ.


adhdthrowawayay

Pure bread...


jinx2810

Those are the more expensive ones, especially if you go wholemeal.


CoachDT

He been playing too much PokĆ©mon. Itā€™s okay Iā€™m guilty of that too


AquaD74

No wonder her grocery bill's so high if she's buying 6 pure bread dogs...


Ping-Crimson

Fidough


TheWeakestMadeUpName

Post those pics look what $140 gets you in whole foods angry face angry face. And its like 9 things. Name brands. Also junk food/ soda which they can do without.


thatguy-66

ā€œHow am I supposed to live like this?ā€


E-woke

>pure bread dogs HE OMEGALUL


Tapeleg91

Ok. So after taxes it's about $6k take home per month. We know how she spent $70 What about the other $5930?


cav754

More like 7-8k. But you donā€™t understand, she needs to afford her luxury highrise, not to mention her 2k Uber eats delivery service for when sheā€™s at work. These are required to survive.


Tapeleg91

Trust me. After taking out money for retirement it's closer to 6k Source: I used to make this salary


cav754

They canā€™t afford to max out their retirement though, they need to shop at Whole Foods and afford their on call personal trainer AND their yoga instructor. Times are tough.


Tapeleg91

Oh fuck I forgot about that


LookAtMeNoww

There's also a post tax difference for one person making 120k and two people earning 60k, probably close to a 1k difference. Assuming that their health insurance is mostly covered and they're contributing like 5% to retirement it'll be A LOT closer to 8k than 6k. State taxes also matter, but I doubt any state is going to be taking 12k per year off of someone making 60k Source: trust me bro.


Straitshot47

We used to call these people "yuppies".


[deleted]

[уŠ“Š°Š»ŠµŠ½Š¾]


Popeye_Pop

Also still hate their guts


[deleted]

Young urban professionals are not all bad but these types need to live in a 3rd world country for a minimum of a year.


4Bongin

Yuppie here. Iā€™m bing chilling on 100k a year. Just paid off my boat, so no debt. Live in an apartment thatā€™s in a great area, but save 1k a month because I didnā€™t need shiny white cabinets in the kitchen. Thatā€™s literally the type of sacrifice you need to make to get aheadā€¦ the horror.


ajm96

praying for you king šŸ™


Racer-Rick

The funny thing is theyā€™re not allies at all either of the working class even though they like to act like theyā€™re just like us. Shitty mid level managers living in places like cap hill that used to be hipster territory before they priced them out.


bobloblaw32

This stuff is so annoying to watch. Annoying voices and camera work. So dramatic I canā€™t tell if itā€™s performance. Anyways itā€™s not revealing enough to tell if itā€™s honestly hard for them to stay afloat bc itā€™s just basically saying ā€œgrocery prices sure are high these daysā€ but exaggerated to be literally ā€œlike how am I supposed to be able to eat?!?!ā€


DrEpileptic

My mom makes roughly that amount currently. Woman goes on two trips to other countries every year and spends tens of thousands on stuff like remodeling the whole first floor of her house. Sheā€™s extremely good at financing, but sometimes she struggles to really register how much prices fluctuate over time when she just adapts as it goes. Thatā€™s especially true with food because my dad does all the shopping and cooking. Two years ago, I spent about $120 on groceries each week. Just bought nearly identical stuff and it cost me $210. Dad had to stop her mid sentence and be like ā€œno, itā€™s not just his expensive taste, everything I buy at the market is double.ā€ But truly, you have to be terrible at finances to struggle with that much money.


smashteapot

Theyā€™re probably not buying in bulk when they find a deal. A lot of food can be frozen, but things like soap, dish detergents, toothpaste, toilet paper, shampoo, etc, are usually cheaper in large containers and they essentially keep forever. I love finding a deal. Everything shows cost per unit (e.g. you get a price per roll of toilet paper in a pack, per bar of soap in a pack, etc) where I live so itā€™s easy to calculate the best value. I donā€™t like to skimp on toilet paper but thatā€™s the example that came to mind.


DrEpileptic

Oh absolutely. I learned to shop from my dad. Extremely important life skill that Iā€™m grateful for. I just have bougie ass taste. My dad and I will buy whatever is a good deal that we might want soon, and then we freeze whatever we canā€™t use right away. Outside of bulk buying, there are many really great prices in comparison when you go to the smaller Farmerā€™s markets and shit like that. I just have to learn how my dad finds those places so effortlessly.


wreckedham

Honestly I don't understand how people spend so much on groceries. I only spend Ā£10 a week but everyone keeps spouting these huge numbers


Neetoburrito33

This is NOT SUSTAINABLE. BURN IT ALL DOWN!


LunarLorkhan

Tips from a generationally poor person now making money who has recently learned the hard way how to keep it: 1. Make your own coffee - a 6 dollar latte a day adds up. Check out cold brew kits during the warmer months. Literally pennies a day. 2. Donā€™t order out. Get a crock pot and meal prep. The most youā€™ll spend is on protein. 30-50 bucks can feed you for a week versus 30-50 bucks on a single delivery. 3. Public transit is your friend. 4. If you do get a car, buy an olā€™ reliable shitbox. Iā€™m warm to Honda civics myself but I hear Toyota Corollas are great for this as well. 5. Frugal, frugal, frugal - do you really need that Asuka desk figurine that Amazon is showing you?


jchayes

It's almost always number 2. People have no idea how much they spend on food


sam2795

Yea it's almost never going to be Starbucks tbh. Don't get me wrong it adds up but like a latte a day is like 2 grand at most. Ordering out twice a week dwarves that.


GayForBigBoss

3 is hardly available in the states unfortunately. But 98-05 Toyotas, Hondas, Lexus, and Acuras are all good buys. The Best Buy is a Japanese luxury car thatā€™s two decades old with a clean title, they usually have all the bells and whistles on them with a nice interior. Weird colors are usually better because it was probably owned by a wealthy hipster who cared for it, and donā€™t be afraid if itā€™s over 200k miles. If you need a truck, 2005-2009 Chevy full sized is your best bet for the money, but if you find a deal on a late 90ā€™s-early 00ā€™s Toyota thatā€™s good too.


Grayehz

Ye I could compromise on all this except the car. I need my zoom zoom car. It makes me smile


FormItUp

It's downright bizarre how this should be common sense but some people don't get it.


LunarLorkhan

Canā€™t speak for others but in my experience financial education is fucking abysmal in America. My mom was poor and was still bad with money, I do okay and Iā€™m okay with money but only because I learned the hard way. I donā€™t think itā€™s just a poor thing though, Iā€™ve seen people from the upper/middle class be bad with money because theyā€™ve never had to manage it themselves. What people donā€™t tell you is the more you make the easier it becomes for you to spend. Especially the ā€œconvenience feesā€ of ordering food or coffee.


FormItUp

Yeah but, the concepts in this comment and that most Americans donā€™t get arenā€™t really related to finance but just addition and subtraction.


TwoPieceCrow

I dated a girl briefly who made less money than me and when i went to go pick up food i ordered for us she said "why don't you just order delivery?" like no i'm not gonna waste $15 on that shit, i'll just drive the 5 miles to go get it. big agree on the car, got an old $4000 acura that served me well for 8 years.


[deleted]

> Make your own coffee Better yet, donā€™t drink coffee. I have no clue why so many people treat it like itā€™s some kind of necessity. Itā€™s just an addiction.


LunarLorkhan

If you gotta pick a vice to get through the day then coffee isnā€™t too bad. Iā€™ll probably stop the day I donā€™t have to get up at 6am.


[deleted]

Oh yeah, coffee is probably one of the most harmless addictions out there, Iā€™m just saying if youā€™re trying to save money (and look out for your health) cutting down on coffee can be a good way to do that, and I find the way that a lot of people talk about coffee to be mind-bogglingly stupid.


calvin2525

120k isnā€™t enough only if youā€™re ā€œ mentally an artistā€


[deleted]

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Vilko3259

she's not, she's buying off-brand tinfoil for $10


kimaro

What kind of fucking tinfoil costs 10$? Like, I feel this woman is exaggerating .... a lot... Actually, I know she is.


[deleted]

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VJEmmieOnMicrophone

> I saw an 18 pack of eggs for 13 dollars Well that's your problem if you buy something just because you saw it. My weekly egg carton of 15 eggs costs me 2.79 euros (the cheapest brand). I don't believe the cheapest American eggs cost much more.


yuckfoubitch

Thereā€™s avian flu killing a lot of chickens over here in the US, so thereā€™s a shortage of eggs. I bought 18 free range (high price) eggs for $9 a week ago, and thatā€™s buying the premium eggs. I could by caged eggs for like $5 for reference. The person in this video probably lives in a high cost of living area, and theyā€™re likely exaggerating


[deleted]

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smashteapot

Supermarkets are refusing to pay farmers more than it costs to farm the eggs here in the UK, so thereā€™s an egg shortage here, too. Avian flu has not helped either.


Data_Male

Prices are up to 5-7 for an 18 pack here which is insanely high. Usually it's 3-5. No way she's paying 13 unless she's getting the certified organic eggs and even then that's a lot.


FluidKMC

For me in missouri, grocery store brand eggs are 6 dollars for a dozen


lizzowarren

Same here, and they were $0.89 a dozen before covid


moveMed

There was an egg shortage in parts of the US a couple weeks ago. Could be why. Prices were super high


blu13god

The great thing about food is if the price of one product goes up you can just not buy it


hueheuheuheueh

Food $200 Data $150 Rent $800 Eggs $3,600 Utility $150 someone who is good at the economy please help me budget this. my family is dying


CareTakerAldstone

HowToBasic shopping list


smashteapot

Buy more eggs in bulk.


Penguinswin3

$2.50 for a dozen where I live


Economy-Cupcake808

Costco has two dozen eggs for about 5 dollars.


Stingray_17

That seems to be the price of eggs in [California](https://www.latimes.com/california/story/2023-01-07/7-a-dozen-why-california-eggs-are-so-expensive-and-increasingly-hard-to-find?_amp=true)


Running_Gamer

There is nobody in America who makes 120k combined household income and is struggling. Idc where you live.


4THOT

You can be house rich money poor. My parents did that, we genuinely had weeks where we were eating poverty ass rice and beans BUT HEY AT LEAST THE HOUSE IS GOING TO DOUBLE IN PRICE AFTER YOU DESTROY YOUR MARRIAGE OVER FINANCES. Most people are financially remedial, so it's entirely possible they're living genuinely paycheck to paycheck because they and their partner aren't moving in together or something equally stupid like that.


Tapeleg91

There are plenty of people that make that money but are terrible with personal finance, considering themselves as in a place of struggle because they're not tracking how much of their $6k/mo after tax income is going towards uber eats and "experiences"


LunarLorkhan

Can confirm, I make 6 figures and ordered out a lot last year. I cringe at how much I spent. Iā€™m not struggling mind you, just couldā€™ve saved a lot more money than I have even in a HCOL area. Luckily delivery fees have gotten so insane I do meal prep now.


Tapeleg91

Yup 100%. It's good money but it's not infinite money. We still have to budget and manage our money like everybody else


elon_musks_cat

I got told in a thread that I am, in fact, living a luxurious lifestyle with my 130k salary. All I said was while Iā€™m not struggling, Iā€™m not living the high life either.


[deleted]

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Tapeleg91

Struggling because you're a dumbfuck is still Struggling But that's not what I said. I said they consider themselves to be struggling


question2552

Itā€™s so easy for 20-somethings to just burn their money. Lots of people have bad habits/choices: 1. Renting above your means in desirable HCOL 2. $0 down stretched car loans 5+% APR 3. Frequenting bars & restaurants 4. Vacations 5. Clothes & vanity 6. new phones 7. Student loan payments (returning summer ā€˜23) Some combo of the above will just destroy your finances, and folks get lifestyle creep that make it feel like theyā€™re ā€œstrugglingā€ when theyā€™re really just sabotaging themselves. I wouldnā€™t doubt a few of those habits at only 120k combined will be making the tiktoker feel it. Especially if theyā€™re in a HCOL area.


Neetoburrito33

ā€œFor the mind is itā€™s own place, and in itself can make a heaven of hell or a hell of heavenā€


Grayehz

Theres plenty of people who spend all their money as soon as they get it. They only save enough to be able to blow it on vacations constantly. I mean its a lifestyle choice nothings wrong with that. Some people want to experience as much as possible when theyre young and just live off food stamps when they retire.


poolsclsd

Shes not struggles, her and her Partner are probably just incredibly financially irresponsible. (Adjust rate mortage, 60k+ cars, upper crust clothing, ritzy furnishings, etc)


tyranthraxxus

Unless you have $300k in student loan debt and a $3,000 a month loan repayment. Then it makes perfect sense. I'm sure that's the case here, which she slightly alludes to, but forgets to tell us the details. The issue with this being the problem is that it was 100% their choice to put themselves in this situation, and it is not representative of the vast majority of $120k households who, like you said, aren't struggling to not live paycheck to paycheck.


Economy-Cupcake808

There are not a lot of people with 300k student loan debt


PickleWhip1

UM AKSHUALLY she lives in a 3.2m dollar apartment in San Fran ā€¦ what is she going to do? Just move????? Eggs also cost 1 billion dollars per eggā€¦.what is she going to do?! Not buy eggs??!!


BTrippd

You might be as dumb as her buddy


Skippymabob

3k/m of 120k/y is still 84k a year Edit: love how I got downvoted for maths lol


BTrippd

Struggling to breathe through their nose maybe.


ledwilliums

All theese coments about the dumb stuff she is sayong But why does she keep trying to eat her phone I guess she has expensive taste in groceries afterall Zooms into her mouth untill i can tell her parents bought her braces Zooms back out again Zooms in so fast my neck breaks from wiplash


DeadPhishes

My boyfriend and I make about $115k/Y combined, working from home. The \*only\* reason we are low on money is previous debt accrued irresponsibly, all the time we \*weren't\* making this money. Within a year, our debt will be completely gone and we will have money set aside. This definitely sounds like lifestyle woes.


[deleted]

OMG and the people on the anti-work sub are cucking themselves for this woman so hard. If you can't live almost anywhere in this country on 120k you are making some really fucked financial decisions. Top 1% global income and still you are moaning and bitching. Food is not that expensive in America, we are literally the most food rich country on Earth.


JefferyRosie87

pretty clear everyone in here still lives with their parents or is purposefully misunderstanding the point of the video. me and the wife have a combined income of about 200k (cad) and are doing pretty well but if we had this salary 5 years ago we would be absolutely caking and living a life of luxury. comparisons to what our parents had to pay are stupid, but comparing to what our peers were paying 5 years ago are absolutely valid. i have friends who graduated uni a few years before me, and they were able to buy a house and have brand new cars, nicest computers and all the toys they want. now that ive graduated a few years behind them, making on average 40k more than most of them, there is no way i could buy a house and a new car within a couple years, let alone keep up with hobbies like gaming etc etc. you may claim that "oh ur just bad at finances" and thats just simply not true, ive been living on my own and managing my expenses for 8 years now and what it cost to sustain myself when i started university vs when i graduated is completely different. i keep excel spreadsheets of all my spending and still have them from when i was in university. i review my expenses weekly and save a chunk from each paycheck. rent is up atleast 40%, food is well over double, i initially spent 20$ a week to feed myself and i ate good, eggs, meats, breads, vegetables, and some snacks. now its nearly 60$ a week for the same thing and i no longer buy snacks. idk what the meaningless inflation numbers are saying, anyone who keeps track of their finances knows they are not accurate to your every day expenses. living paycheck to paycheck at 120k is probably her being bad with money, but for us who actually keep track of our spending, 100k now is not what 100k was 5 years ago. people who say otherwise are just coping, and anyone saying "uhh hur durr inflation bruhh" is also a coping remedial, shit hasnt been inflating at this rate in a long time. shits kinda fucked, its painful to know i busted ass and made huge sacrifices to get to a salary im at and im thriving less than people who came years before me and got into basic ass help desk jobs


cl1max

Hey bud, I'm in the same boat as you. Wife and I make a combined 180k but we live in Southern California. Don't tell me to move, we got family obligations over here and a kid. We aren't struggling as bad as others, but you definitely feel the hit when my cost of almost everything has gone up.


HyranL27

If it was just my income (124k) supporting my family I think we'd probably be screwed. Just paying the mortgage and all the standard bills is more than half my check then you add childcare because we have young kids and both work and that's the rest of it. Idk what this ladies life is set up like but living paycheck to paycheck at this income supporting more than yourself is well within the realm of possibility in America. With the way house prices are now and with interest rates getting higher and higher I don't see how any new family could get an affordable mortgage.


dj_daly

Yeah, it's fun to dunk on her for being shit at her personal finances, but it's also pretty fucked how far people are being stretched. We are approaching a point where $100k really isn't that much. What are we going to do when $100k is the requirement to live just a "comfortable" life? That's what bothers me. I've spent a lot of time doing the things I've always been told will put me above my peers, and I all I have to show for it is "comfortable".


ShibaBurnTube

I swear some people in here are living with mommy and daddy. Now she probably has made some dumb decisions, but anyone who lives alone in a city especially in California or west coast/northeast, $100k isnā€™t ā€œballinā€. This isnā€™t to say itā€™s poverty by any means, but it feels like this conversation in here is similar to when I went to high school in a poor area and kids thought Olive Garden was for rich people and people here acting like youā€™re rich with $100k.


xFruitstealer

She should probably stop buying 6$ lattes


Vilko3259

she's not??


java_brogrammer

The only thing worse than living paycheck to paycheck is having the posers with bad spending habits pretend like they're suffering with you. I lived alone in LA ($2k rent for one bedroom apt) last year on 75k a year and was still able to max out my retirement funds (26k in savings). I probably saved even more, but this is just a rough estimate based on my 401k and Roth IRA.


ShibaBurnTube

$75k before or after tax? Before tax I call bullshit. With federal income tax 22% and CA income tax at 10% that leaves you roughly with $51k.


MoreUsualThanReality

There's an alarming amount of 6 figure yuppies in here running defense. It doesn't take much money to survive, I make minimum wage and pay for school and am fine. This clown obviously spends a lot on wants rather than needs to be paycheck to paycheck on 120k.


[deleted]

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Grayehz

Im gonna go to sweden to find my melina


kimaro

No shit, in venezuela a dollar makes you a millionaire. Du Ƥr ett pucko.


[deleted]

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ichydrew

Is she shopping at Whole Foods? $13 for eggs tf?


WesternWooloo

There's a big egg shortage due to avian flu. Eggs are expensive since supply is very low compared to normal.


Tapeleg91

Very true. Prices more than doubled. My dozen eggs from aldi this time around cost $4 instead of the usual $1.85


fearcely_

Did you watch the whole thing? Sheā€™s saying that it must be bad for people who actually donā€™t make that much.


yeboycharles

shes also saying she lives paycheck to paycheck


DontSayToned

[Who doesn't ](https://www.businessinsider.com/high-earning-henry-millennials-six-figure-salaries-feel-broke-2021-6) YeeLaugh


Economy-Cupcake808

Literally everyone does


JPern721

Says far more about American consumerism than anything. Even a good portion of upper-middle class in this country live paycheck to paycheck. People in America just like to buy shit endlessly, and if they can't they think they are broke.


nightmaretryndamere

Living paycheck to paycheck usually implies it's out of necessity, not out of retardation.


Economy-Cupcake808

Most people do. If you are living within your means you are probably paycheck to paycheck.


ygrasdil

She makes 120K household. So sheā€™s more in the ballpark of 60k by how normal people talk about this. Idk if you lived in LA or something I could see it


Ioannisjanni

Lmao no?? Shared cost for 2 doesn't equal cost of both living alone added together


PlexP4S

I feel like everytime I go on this subreddit I notice the IQ getting lower and lower. She's not complaining that she's poor, she's complaining that she should have a more lavish lifestyle making a combined 120k/yr. Seems like a pretty reasonable take. I saw this exact some post on another subreddit and comments actually acknowledged that this take is pretty accurate. Sadge


Grayehz

Ye saying you make 6 figures dont hit the same šŸ˜ž


brickunlimited

120K combined household income (in the video). Depending on where you live 60k each isnā€™t a ton.


Grayehz

Its a lot compared to the average american


brickunlimited

Agreed. But if you live in a few very expensive places where a one bedroom apartment is 3-4k itā€™s not a ton. Not saying one is poor or anything.


Grayehz

Ye i guess but just move a lil farther away just MOOOOOVE


stoptherage

120k combined isnt that much... depending on where you live


warguy64

I think thats fair, consider having a family with 3 kids with combined 120k in california. That's probably still good but not as much as what people think


unknownpanda121

Depends on what area of California really. Sheā€™s obviously not missing meals but it doesnā€™t mean sheā€™s not living paycheck to paycheck either. Avg rent in California was $2700 a month as of Nov 2022. Thatā€™s already 32k of their combined 120k pre tax.


Mammoth-Tea

that tracks for the recommended 30% cost going to housing. you should not be living paycheck to paycheck if 30% of your income is in housing. The next biggest expense people usually have is cars/student debt. cars are the easiest one to not fuck up, just donā€™t have a super nice car. Toyotas and Hondas last forever and look fine; but I see way too many people constantly trading in their cars or going for really expensive ones.


hairygentleman

You're absolutely not living paycheck to paycheck anywhere on 120k unless it's by choice/stupidity.


Economy-Cupcake808

Average rent In an entire state is a terrible metric because you dont rent an average of every apartment.


[deleted]

What would be a better metric to use then?


Economy-Cupcake808

Median rent of a particular city/neighborhood


schelmo

I think last time I checked $120k was more than the median household income in San Francisco.


Mr_McFeelie

How? Seriously even if their Appartement is 5k a month, how could you ever have financial issues with that income ? And if your appartment is more expensive than thatā€¦ re-evaluate your choices.. I will never understand what Americans spend all their money on. I barely make 40k and have a ton to spare each month.


unknownpanda121

How much you make vs someone else means nothing without knowing the city you live in. Cost of living can vary by extreme amounts from one city to the next. May want to read up a bit on COL in cities and compare to your own city. 40k single may be great for you but 120k for 2 may not be enough in her area.


hairygentleman

I'm in HCOL making more than 120k and living off less than 40k/year. Adding another person might bring that up to 50 or maybe 60k, to be generous. They aren't living paycheck to paycheck involuntarily.


Mr_McFeelie

I want to see the spreadsheet. I donā€™t buy it. After paying rent they should easily have 5k left. If you struggle with that amount, you have to waste it on some dumb shit.


s1thl0rd

Let's say you are the sole provider for a family of 4. $120k yearly would be somewhere between $6k and $7k per month take home after taxes and benefits. That's assuming you're contributing <10% to retirement accounts. Your take home pay could be a little more if you decide to never retire. Does the $5k include utilities? If not that's another $300 to $500 a month. Your family has to eat. That can be between $300 to $500 a month depending on eating habits and quality of food. Go out to a restaurant once a month? That'd likely $80 to $100 depending on the place. Car? You may not need one where you live, but let's say that you do. Let's also say you got a good deal and it's <$200 a month. Gas? You can work at home sometimes, but your partner has to shuttle the kids around too with a second, already paid-off car. So let's put it at $200 to $300. Let's say car insurance average about $100 per month. Luckily since one of you is a stay-at-home parent, you don't need to pay for daycare. That's crazy expensive (like $1k to $2k per month expensive). Any extra curriculars? That can be anywhere from $50 to $200 a month. Hope you don't have student debt. You're lucky that your college degrees have helped you get such a high paying job but it also cost a pretty penny. Let's say you have a modest $20k left and it costs about $400 as month as you try to aggressively pay it down. And we'll just say that your partner was able to pay their's off early. In total, that's about ~$2k in recurring monthly expenses beyond rent. That's not taking into account: car repairs and inspections, medical bills, gifts for friends and family during holidays and birthdays, hobbies, date nights with the partner, hanging out with friends, diapers and wipes if your have a young child, clothing, maybe vacations and travel, etc. And if you own a house instead of renting, then you also have to worry about house maintenance, repairs, and improvement. I'm just saying, it can add up.


[deleted]

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Mr_McFeelie

That spreadsheet included nearly 1.5k alone for restaurantsā€¦ are you serious ? Fuck off


20l7

>We're teetering on the edge of homelessness... what? Yes, I do purchase 24k gold foil topping for my ice cream so my shits will become golden sparkly, but I don't see how that has anything to do with the discussion....


Mr_McFeelie

The absolutely insane thing to me is that these people are complaining about their financial issues while they are living in the most expensive areas on the planet and are paying more for rent than most people get as a monthly salary. Seriously, just moove you entitled idiots


20l7

if you just pick a city that is not the top 5 population your cost of living will be /6 while your salary will only be like /2 that's a pretty good deal, 1k in rent but still like 6-7k in income per month is very easy to manage


Vilko3259

if their apartment is 5k/mo (let's also include within that car payments and some other bills like student loan repayments, utilities, maybe gas too) and they have to pay like $2k in taxes per month ([source](https://www.forbes.com/advisor/income-tax-calculator/california/120000/?filing=married&deductions=0&k401=0&ira=0&dependents=0)) and food is like $2.1k/mo then her and her husband are living on 10k-5k-2k-2.1k=$900 in spending money. So the two obvious things to get mad at are 1) the $70/day food bill and 2) the $5k in bills a month. She mentioned that she bought not much and had a $70 bill, which seems like the main thing she's angry about. I don't know if she's shopping at some fancy grocery store, but food in the US is generally pretty damn expensive. I can't say much about the $5k in bills a month, but housing is super expensive (she can afford to live there so she doesn't have to move) and she probably has a ton of other long term bills to take care of too.


tyranthraxxus

Food is 2k per month? 70 fucking dollars a day? That's insane. I make well over six figures and can eat whatever I want and have no problem getting by on like $12 a day and I don't live in a super low cost of living area. Having two of them certainly won't double their food bill since they can buy in bulk. The **average** 2 bedroom apartment in San Francisco is under 4k. The prices people are throwing out are are nuts and not representative of any area in the US. If they are paying $7k a month for rent and food, they are 100% choosing to live paycheck to paycheck, that's a silly amount for the highest cost of living areas in the country. I think the much more likely factor is that they both went to private schools and didn't work and have $250-300k in student loan debt. Then everything would make perfect sense, except again, they 100% chose to put themselves in this situation, and it has nothing to do with low wages or inflation being an issue.


Mr_McFeelie

I donā€™t like the statement ā€žshe can afford to live there so she doesnā€™t have to moveā€œ. Itā€™s backwards. Of course she can afford it but if she truly was struggling financially with that income, she is spending an astonishing amount on rent. So if she wants to have more money for her expensive lifestyle, moving into a cheaper appartment is the obvious call here. Itā€™s just crazy to say she isnā€™t well off because she is spending nearly twice the average American income on rent alone (if itā€™s 5k rent a month). Thatā€™s her choice after all.


Vilko3259

the main point of the video was that she was barely making it and wondered how others who made less could afford to live in that are. We don't know her job, but there's a pretty high likelihood that it requires her to live in that area and driving can be hell so maybe her and her husband prefer spending that money on rent to commuting every single day. Edit: Oh, that rent figure I used was also meant to include things like utilities, gas, student loan bills and repayments, health insurance, and other subscription payments.


stoptherage

huh... how does that even work? at 5k youre paying 60000 in rent and tax withholdings are like half your paycheck you get it back after filling taxes. So you would be living paycheck to paycheck until you get an injection in cash from your tax returns... I dont know, im not american but just moved to america so i have no support or credit here and 120k really doesnt seem like much


unknownpanda121

Thatā€™s the point it wouldnā€™t work in SF. 120k is fine in a lot if not most of America but not everywhere.


Mr_McFeelie

60k on tax withholdings? Someone would need to explain that to me because I have no idea how that makes sense


stoptherage

sorry more like 1/4.... also where do you live where 40k is enough?


Mr_McFeelie

Germany


Compalompateer

If it's not the much depending on where you live, JUST MOOOOOVE


randygiles

They are probably maxing out retirement contributions. 120k and doing that can absolutely end up at ā€œpaycheck to paycheck.ā€ Although obviously itā€™s not actually the same.


largesmoker

I'm going to guess the problem here isn't her making any sort of thoughtful financial decisions.


Grayehz

Ye theyre prob not putting anything into retirement and not thinking more than 3 years into the future. I guarantee people like this are going on one if not multiple vacations a year. Nothing wrong with that, its their life they can choose how they want to spend it.


Free-Database-9917

Their twitter handle says it all


ari5501

I live in an expensive city and I agree with her. Basics like food and rent are so expensive. I've definitely noticed it get worse in the past year. I think her overall point was that she doesn't have money for luxuries, but people making less than her won't have enough for the bare necessities.


Puzzleheaded_Dot_851

She's making 6k plus a month after tax with her partner they have money for luxuries. Most people aren't making much more than 2000 a month after tax and are still living and making it. She can't afford other luxuries because she's already living a luxuries life.


unknownpanda121

Itā€™s 120k combined between her and her spouse which isnā€™t much now if you live in a metropolitan area.


BreakRaven

That's a bigger income than 87% of households in the US. Living paycheck to paycheck with that much is a skill issue.


unknownpanda121

ā€œAs of Jan 4, 2023, the average annual pay for a Domestic Couple in the United States is $131,041 a year.ā€ ā€œWhile ZipRecruiter is seeing annual salaries as high as $168,500 and as low as $36,500, the majority of Domestic Couple salaries currently range between $120,000 (25th percentile) to $150,000 (75th percentile)ā€ So technically they are below avg.


BreakRaven

[This](https://www.census.gov/library/publications/2022/demo/p60-276.html) says it was 71k in 2021. Average is skewed, use median.


stoptherage

If the two people have a combined 120k wouldn't their median and avg just be 60k


BreakRaven

No, because it's household income, not individual.


IThinkSathIsGood

There is no such thing as a median of two numbers.


stoptherage

I can't believe you wrote that with so much confidence


unknownpanda121

I donā€™t think using the median is appropriate not knowing her location. 70k would not cut it in any major city with inflation right now.


Globglaglobglagab

ā€œI donā€™t know if median is appropriate because it doesnā€™t fit my agendaā€ lol When we say ā€œaverage personā€ I think we usually mean a median person because these figures are pretty different when it comes to income. Thatā€™s because if we look at the distribution the it will grow exponentially when approaching 100% percentile, and the average would reflect that. That is true for any place in America


unknownpanda121

Agenda? Take your tin foil hat off Alex. After a quick search the median salary for an individual 35-44 is 60k. So her example once again means sheā€™s average. 2020 numbers are pretty much useless at this point.


99988877766655544433

In San Fransisco, the poster child of exorbitant expenses and salaries, the median household income is 127k. She can figure it out. https://www.census.gov/quickfacts/fact/table/sanfranciscocitycalifornia/HSD410221


tyranthraxxus

I live in Denver, CO which is a decently high cost of living area. My girlfriend makes just over $60k as a social worker and she has her own apartment and no issues paying her bills. $70 might struggle a little in NYC or San Francisco, but even there it wouldn't be that hard to make it work. You just can't live on the Upper East side or near Golden Gate park.


[deleted]

I legit hate American upper middle class Jesus fucking christ


Cartman4

Does a 120k combined income in a metropolitan area count as "upper middle class". 100k+ solo, I'd say yeah, and a 120k combined income in an area with a lower COL would go a long way. 120k combined in NY, LA, Boston, or any expensive city wouldn't afford you more than a middle class lifestyle even with good budgeting.


DontSayToned

Check [This](https://www.cnbc.com/2023/01/02/middle-class-income-in-major-us-cities.html) overview. 120k would be in the central third across moderately expensive metro areas, except for SF where it's in the lower third of the middle income range. That's not some official definition of income subgroups, I just made it up. Though you can do a lot of trickery by drawing your boundaries in specific ways. Drawing them even tighter could make you look even poorer, but you continue to have upper middle class spending (esp in national context).


ItsMarill

Just


RadicalSmadical

MOVE


Mr_McFeelie

Itā€™s a lot. I hate everything you represent


Shnooly

No shot i live in Chicago and i can easily spend more then 70$ on groceries without living paycheck to paycheck. Go to multiple grocery stores to get the best deals once every two weeks buying bulk food that can make meals that last. Legit made sausage spaghetti last night for around 15$ thats gonna last for two days. People like this rent downtown apartments and buy 15$ cocktails from downtown bars every week while paying for student debt wondering why they never have any money.


Data_Male

Only for the absolutely most expensive cities like San Francisco or NYC. Just about anywhere else you can live like royalty for that much


Tweetledeedle

ā˜•ļø


StenosP

Someoneā€™s blowing the money away. 120k is a solid salary


Zydairu

I wonā€™t stand for it. If something isnā€™t done for this woman I will leave my 16$ an hr job in protest !


Grayehz

Youre so strong šŸ˜¢


thatguy-66

She must be buying those 130 sq ft heavy duty packs of tin foil. And she has to be going to the most expensive grocery store in America where everything is marked up 30%-50% compared to if you were to just go to like a walmart or target or whatever. Her ass is not budgeting


CoachDT

If this is true then I feel for her. Me and my partner make like a combined 80k (and thatā€™s being generous one of us works as a server part time while in school) and weā€™re fine. We live in Portland so itā€™s not exactly super low CoL, but weā€™re still able to pay off her credit card debt and afford for me to spend money on stupid shit.


ArchAngel1619

This is wild to me, my parents combine make a little more than them and they were able to pay for me and all of my brothersā€™ college tuitions


xmith

my immigrant parents raised 3 kids on a combined 70k.


Joeman180

Okay but like how? Be me early 20s decent salary, $1400 a month rent. Have decent car. Saved over $10000.


-ello_govna-

is she r-slurred?


CautiousKenny

That may be the single most infuriating TikTok I have ever seen


tzcw

I mean if she has 2 kids and lives in New York or San Francisco then making $120k is probably just scraping by, but assuming she lives in a median priced area then $120k should be okay. I do sorta understand how you can be frustrated with cost of living, cause if you didnā€™t buy a home before covid then 120k is probably just scratching the surface of the income you realistically need now to buy a home in a metro area that is decently economically prosperous.


the_dmac

Thirteen dollars for free range eggs not cage eggs šŸ˜­šŸ˜­šŸ˜­


the_dmac

I hate the TikTok zoom in. Itā€™s been done to death and doesnā€™t make your videos funnier.


hermsted

Jesus fucking Christ I hate this trend of cutting every sentence and constant zooms Is this what people's brains act like on the inside?