Reply to s/o living on $25k or $36k a year

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[quote=Anonymous]I'm confused, are we talking gross or net?

I lived between $20k and $30k gross as a grad student in my 20s, but: 
1) I had NO health insurance premium, it was 100% covered by the university
2) my parents paid my phone bill...it was $10/month for an extra line on their account, and they offered, so I said thanks
3) I never lived alone, so I never paid a full apartment's rent, went straight from 4 roommates to married
4) No option for a 401k, so I saved in my Roth IRA post-tax for retirement and called that good.
4) Hobbies were distance running, cooking at home, board games, and cheap beer.

Now I couldn't do that because I have kids and work, and day care for one kid is $18k. Plus I have to pay more of my family health insurance premiums, save more for retirement, and can't rent one room in a group house once kids are in the picture. Time of life matters a lot here. But my overall spending habits have stayed the same, without day care we could pretty easily live on $36k net after paycheck deductions.

That same amount net is totally diffetent 
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