I need a 100k income just to live decently while saving nothing

Question

I need a 100k income just to live decently while saving nothing

It’s fucked honestly. I live in a townhouse with 2.5% mortgage and no other debt, 2 paid off cars with my wife. No kids yet

PITI: $2235
Car insurance/gas/tolls (2 cars): $504
Internet, phone, natural gas, water, electric: $394
Subscriptions (gym membership, her Pilates classes, streaming, life insurance): $413
Groceries, consumables, personal care products: $620
Sinking fund contributions (travel, home/car repair, phone upgrade/computer upgrade every 3yrs): $1180

Total: $5347

Then add random stuff like gifts, concert tickets, restaurants, other bullshit that pops up and you bring it to low/mid $6000’s. So I pretty much need to make $100k before taxes to break even.

Once the kids come I expect this to increase by at least $4000 a month so I’ll need to bring home $10k a month post tax just to tread water. This means we will need to earn about $170k pre tax to have all of our bills paid.

If we cut back a lot by having no vacations, no eating out, only doing free or cheap actives, upgrading devices every 5-6 years instead of 3, and maybe sell a car we could get it down to $130-40k pretax but that would be a significant lifestyle cut.

Life is so fucking expensive if you want to have a woman in your life and kids. I know broke 21 year old fags here will laugh at me because they live in a shitbox with bills under 1k a month but when you become a fully grown adult in a 1st world country life gets expensive FAST.

Life is so fucking expensive if you want to have a woman in your life and kids

I don't have this problem.

Yup. If you want start saving you have to cut the bullshit.

No, you don't need two cars.
No, you don't need streaming servides.
You don’t need life insurance you'll be dead nigger.

You can easily cut your shit in half without breaking a sweat. But that would be inconvenient wouldn't it?

concerts and vacations

I have no sympathy.
Not my problem you are too fucking stupid to have saved money earlier.

Consooooooooooomer

Why do you have a wife and are posting a wojak, damn dude.

I make 50k with 2 dependents, house is paid off tho so it's kind of like I make 75k

Bro I assure you if you want a half decent looking woman in your life you are going to have to make room for her stupid consooooomerist (((experiences))) that she feels compelled to spend money on.

Maybe you got lucky and found a frugal chick (Asian women are known for that). 95% of decent looking white women these days NEED to travel and go to concerts to feel fulfilled. It doesn’t matter if you think it’s stupid, she wants it

”groceries” (processed boxes goyslop from wholefoods)

travel

phone upgrade

computer upgrade

concert tickets

restaurants

You are sheepbrained niggercattle. Please kill yourself.

Nigger I’m not upgrading my phone every 12months. 3 years is actually the sweet spot because you can sell your old phone for a decent amount of money. If you wait 6 years your old phone won’t be worth shit

Whenever I see a thread or a post and there's a guy making a decent income with financial problems, I almost always assume there's a woman in his life.
So far I am right like 93% of the time.

It's always a woman, that's why he has financial problems

Which shithole would that be?

Northern Virginia

PITI: $2235

Car insurance/gas/tolls (2 cars): $504

Internet, phone, natural gas, water, electric: $394

Buy solar panels. switch to electric cars. Switch to a heat pump and switch to an induction stove.

lol fuck no.

EV’s don’t actually save money due to the insurance costs and high upfront cost/depreciation

Solar panels are a huge scam sold to gullible retards

So you need a gf/wife for the 2nd income to buy a home, but at the same time they spend tons of money, so are you really saving anything at the end of the day

Subscriptions (gym membership, her Pilates classes, streaming, life insurance): $413

Gym: $30/mo
YouTube: $14/mo
Spotify: $11/mo

Total: $55/mo

How do you spend $413 on "subscriptions", are you retarded?

Why exactly are you paying for her shit?

he fell for the women meme

$150 a month on gym (it’s a nice one)
$150 a month for Pilates
$32 for a 1M life insurance policy
$40 for 2M umbrella policy
$18 Netflix
$10 spotify
$10 iCloud storage

Northern Virginia

Got a fed job?

Fed adjacent so I could get DOGE’d. I work for faang but we have gov contracts

I hope they do DOGE you.

Ok

yeah that's why you don't have a wife or kids. kek. i'd rather be a 35 year old loser than deal with that.

95% of decent looking white women these days NEED to travel and go to concerts to feel fulfilled.

How about all you guys with woman STOP THAT. Then it just wouldnt be normal
Right but you are too pussy for that

But that would be inconvenient wouldn't it?

That's the thing, even that stuff is easy. This thread is bait.

My gym is huge with fuck tons of equipment and its only $300/year

You seem to just live in an expensive location and or you're selectively picking things with a "luxury" appearance on them

Goto an oldschool hardcore gym, they have the best equipment and are 10X cheaper than your luxury faggot gym with fuck all equipment that is like 90% cardio machines

you don't need to "upgrade" your phone at all. does it call and receive texts? then its good enough.
fucking retard

You spend $300/mo on exercise. I use random daily workout videos on youtube for free. Stop spending on that and there's 75% of your subscription costs gone

google.com/search?sca_esv=c4730c0d5f6ba8e9&q=30 minute cardio

I'm so glad I'm gay and never have to deal with retarded women

Get active in a national socialist or other nationalist group if you want economic change - it will require a complete system overhaul and expulsion of the kikes.

wife

roasty who uses birth control

spends all your money

Ignore all these bottom dwelling demoralizers in the thread, OP. You're right, you will need at least 100k income to live comfortably, provide a good woman what she deserves, and have children. That being said, you know what must be done, right? Earn more money. Your job is simply to earn money. Good luck and hang in there, keep fighting the good fight to raise a good, strong, God-fearing family. Buy more Bitcoin too.

provide a good woman what she deserves, and have children.

cant i just cut this whole part out and have the whole 100k to myself

Pilates

do you really need to outsource your wife getting fucked

Lmaoing at your life, nova is a brown shithole.

you need 100k to live decently!

subscription trash

tech upgrades

concerts

Pilates (lmao)

>>>>>>all this useless crap to "live"

We only need a fraction of what you two retards need. It must suck to be ugly and fat where you gotta consume constantly to be comfortable in your lives lmao

sell your old phone

trusting that your info truly gets deleted from memory

ishygddt

You are a clown if you can't make this work. Drop your lifestyle. Drop your lifestyle. DROP YOUR FUCKING LIFESTYLE.