Current Events > I hate posts like 'if you can't live off 80k/yr you're bad with money'

(+) Yeah! (+)

1. Its not all about aesthetics, comfort is important. Youre wearing clothes the majority of the day (Id guess this is true for most people) and I dont want to wear low quality non stretchy clothes

2. No matter how much people dont want it to, looks matter. The way you look is how you present yourself to the world and a big part of the impression you leave

1. Its not all about aesthetics, comfort is important. Youre wearing clothes the majority of the day (Id guess this is true for most people) and I dont want to wear low quality non stretchy clothes

2. No matter how much people dont want it to, looks matter. The way you look is how you present yourself to the world and a big part of the impression you leave

Most of that can be found in your size at an affordable price at a second hand store or a retail outlet like WalMart or Target. And it's all the same when it comes to manufacturing. If you're spending a significant portion of your income on new clothes on a regular basis to the point where your financial security is at risk, then you're doing something wrong. Like it or not people have to live within their means and that constitutes making some compromises.

For suits I wear Suitsupply

I keep a list of my favorite wool millswal mart doesnt have anything from them

On point 2, basic ass hygiene gets you way further than ridiculously expensive close on your average every day outing. As long as you don't look like a fresh bedhead and shower regularly, no one is gonna care if you're wearing Walmart clothes at a grocery store.

The only places you genuinely need to go the extra mile are work(assuming you don't work in a place with a uniform anyway) or dating. Brand-name clothing, if you're not doing well enough to not have to worry about all your other expenses in life, is just one more burden you don't need to worry about. That's my wisdom as someone climbing out of crippling debt that he had no real say in receiving.

Ok bro you lost me here. A specific brand of wool isn't even remotely close to a necessity in any context.

No you cant. And I can admit that target has nice clothes. But they are made to fit a broader audience. I wear skinny fit super stretch and I like nicer stuff like suede etc. so no, I will not be getting most of my clothes from wal mart

Then your unwillingness to settle is what will be responsible for whatever financial stress it may bring you.

I work as a teacher. I make way less than 80k. I wear a different shirt and slacks every day of the week. I only replace what gets old or what I can afford. I'm perfectly comfortable during my 9-hour days. It's not hard.

See point 3. Once you wear lululemon you cant go back

Then your unwillingness to settle is what will be responsible for whatever financial stress it may bring you.

And this topic isnt about me, I personally am having no financial issues

Then don't defend it with personal anecdote since it doesn't apply to you.

Anybody who refuses to compromise on a financial situation is, in whole or part, responsible for the consequences.

1. That is highly dependent on geography
2. Contributing to retirement shouldnt be a luxury
3. Once you get used to skimping, you guys dont know what youre missingsome luxury things should be essential
4. I dont want to wear clothes from wal mart

Note: Ive seen the X amount range anywhere from 30k to 100k

#3 and #4 are the stereotypical first world problems and the rest of humanity would spit on your problems

I make a decent salary AND am good with money and I still shop at Walmart. Including some of my clothes. Its people with this entitled mentality that always seem to be barely getting by no matter what they make.

Then you realize their kids have go to private school because public ones arent good/safe enough and they have to have the luxury of an overseas vacation every summer.

What kinda life is it when hygiene and dressing well are mutually exclusive lol

I do both dude (hygiene is another thing that costs money that I think shouldnt be a luxury. I use electric toothbrush and razor)

And where else do I even wear clothes besides work and dating

1. That is highly dependent on geography
2. Contributing to retirement shouldnt be a luxury
3. Once you get used to skimping, you guys dont know what youre missingsome luxury things should be essential
4. I dont want to wear clothes from wal mart

Note: Ive seen the X amount range anywhere from 30k to 100k

lol 80K is way more than enough to live comfortably in a good safe area with all you need. I get we all only live once but you are entitled as hell TC.

I think this speaks to your mentality more than anything else, you're really narrow.

So... you go to the store nude? Mow grass nude? Exercise nude? Hang out with your friends nude?

I certainly don't take showers in my dress shirt and pants, so yes, hygiene and dressing well are in fact two separate things. I have my nice clothes, but I'm not wearing those when I hit up the grocery store or while I'm doing chores. I'm not gonna throw on a tie to get hit in the face with grass clippings from my busted ass mower lmao.

If -you- the actual person looks nice, you can get away with less work on clothing in the workplace.

3. Once you get used to skimping, you guys dont know what youre missingsome luxury things should be essential
4. I dont want to wear clothes from wal mart

You live in a first world country, what other problems are you supposed to have?

I live life comfortably, quite literally. If you prefer 100% cotton dockers go for itbut then you literally dont know what youre missing. Its like youve never eaten steak before and Im trying to recommend it. Yeah you can survive on chicken and its finebut have you ever eaten motherfucking steak

At 80k you'll get a bit over 2k take home per paycheck meaning half your paycheck goes just to your rent leaving you with another 2k to spend wherever.

The people I know who live in Astoria manage this mostly by not owning a car, not having student debt, and generally not living comfortably being the key word here.

Or should I say used to. The last one left moved out a few years ago because it was impossible to live comfortably.

Listen to yourself I cant live without eating high quality steak so if I go broke eating fillet mignon and driving cars that fit my standard of living its totally not because Im a moron with my money

Bro

Yes I already addressed that, since they are already contributing 10% to their 401K also. They would have $2K a month for other expenses.

Well they're in NYC, you really don't need a car. Student debt can come out of the additional $2K they have leftover. I mean I'm struggling to see how you need to spend over $2K a month on food, internet, streaming, utilities, etc.

I lived in Astoria and was in a 1 bedroom making less than $70K years ago, and I lived very comfortably. I cooked a lot for myself so that made eating very affordable, and I was able to afford a gym membership nearby. I'm not really sure what you're trying to prove here other than $80K is pretty good to live off of in NYC.

Is that really what you got from that?

To put it in as simple as possible: quality of life should never be at the absolute most basic level

Youre the one who defines basic as having to eat less than steak and dress worse than Abercrombie. Lmao.

Like Kardashians who cant live a lifestyle less than $100 million. Its not the money thats the problem, its your inflated expectations. Adjust them and youll live off 80k just fine.

Also Astoria isnt a great area to live

Lol

Take care of yourself and dress well, its not that hard dude

Inflated expectations like owning a home, living without roommates, living in a nice part of a nice city and being able to retire before 60?

That's easy to say from the world of someone who hasn't had to worry about keeping a roof over their head. I had none at one point in my life lmao. Just admit to the fact that you want to live above your means but can't really attain it, that's what I'm getting from this.

Theres no part of the social contract that says you get to live in the nice part of a nice city, thats logistically and physically impossible with tens of millions of others that also want to. Its not that the 80k wont get you a house (it willin Cleveland or Houston) its that its not more than the millions of other people who are competing with you to live in the same area.

Take San Francisco. Its a 7x7 mile fixed area with no new housing where everyone wants to live. Stamping your feet and saying you deserve a big house for 80k is ludicrous especially when there are millions of people also wanting to live there and who will offer more.

So quit demanding you should live in downtown Hot City on an average salary. You can live in Cleveland and comfortably accomplish every other item you listed.

Get to?

Are you listening to yourselves lol

Wanting to live in a nice part of a nice city is entitled now?

Get to?

Are you listening to yourselves lol

Wanting to live in a nice part of a nice city is entitled now?

You want to live in an ABOVE average area of an ABOVE average town on only an average salary????

Read that over and over again until you realize the inherent flaw in your logic.

So wanting to be above average is bad now?

Sorry I guess I couldnt survive if I was below average

*facepalm*

If you want to purchase above average things, good for you. But you need an above average salary.

If you want to cry that you arent living in a Greenwich Village penthouse on an average salary, you just sound delusional.

Probably the case. If you lived in the accommodations of the average European or Japanese, I imagine youd implode.

Think youre really missing the point of this topic

By definition, 50% of people live above average

So when people say if you cant on X per year, youre bad with money is a dumb statement

I think you need math. Assuming 50% of people live at average conditions, that would mean 25% live above and below.

Edit: I'm overly simplifying it and not going in to the real statistics in case someone wants to math at me, I realize it's probably split way differently.

Think youre really missing the point of this topic

By definition, 50% of people live above average

So when people say if you cant on X per year, youre bad with money is a dumb statement

I mean the fact that you thought NO ONE lives below average lives, or just didn't think they worth factoring in to the equation just speaks more than any other point you tried to make here lol

No, youre missing the point. A nice area in a nice city has finite spaces. Theres no way they could fit everyone with an average salary who wants to live there. Homes are 2 million dollars in San Francisco because space is so scarce, you cant just demand to live there on 80k.