What is your monthly take home pay?

[Anonymous]

Currently grossing about 300k a year but so much is based on bonus and RSU that my monthly take home is only $6600-7000 depending on if I hit the social security cap. I max the 401k, HSA, and ESPP which is several thousand a month taken away.

[Anonymous]

Anonymous wrote:You people give up way too much of your money. I make around $13K a month and take home around $10K.

The $3K deducted is all taxes. I'm self-employed so have some deductions that you all don't (QBI, etc.). But beyond that, I prioritize paying off my condo and putting as much money as I can in my taxable brokerage account - I want my money now!

I don't do 401(k)s - I think even giving money to your future self is a mistake. I don't have a health insurance deduction - I buy insurance on the exchange for like $2K per year. I only contribute $0.5K per year to my HSA.

I know "conventional wisdom" says all these deductions are smart. But I'm 42 and will be retiring by 45, while you all will be working until you're almost senior citizens - so who's really smart?

You realize in 15 years after 45 you’ll be able to withdraw from your 401k right? The ideal is to max 401k and still contribute to taxable but maybe you don’t make enough to do both.

[Anonymous]

$~600/mo if I don't work any hours extra. I work a part time fully remote mom job with a salary of 45k. I occasionally have the option to work extra hours which bumps up the take home a little bit. I do max out my 401k, much of the rest goes to taxes with extra withheld and I'm left with very little take home.

My husband makes much more, probably takes home 10-11k a month after everything.