Reply to I Live Comfortably on Less than $70K After-Tax in DC Area

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]Here are some other expenses I don't see listed that many people have: 
- Student loans -- this is a HUGE killer for most people
- Gifts (maybe this comes out of entertainment/eating out, but our Christmas budget is at least $800) 
- Life and/or Disability Insurance (assume you don't need it since you're single or your employer provides a small policy that is enough, but many married/parents need more life insurance)
- Gym Membership or other physical fitness expenses (maybe work provides, you don't work out, or you have a home routine with no cost)
[/quote]

- I transferred from CC, and won an 1/2 tuition academic scholarship to the four-year university. I also worked part-time. Parents made up the small difference (for which I am grateful).
- Yes, gifts come out of the entertainment line,
[b]- Employer provides life/disability[/b]
- Great clubhouse at my condo community, with pool and work-out room. They give yoga classes there, too.
[/quote]

Right, which you can take at 1x salary as a single person because you are not responsible for anyone else.  Get married and have a couple of kids.  Then you are paying out of pockets for life insurance multiple times your salary so that you family isn't fucked if you get hit by a bus one day.  [/quote]
If I had a family, I would have double the income - so an additional $6,000 for diapers, extra life insurance, etc. You people are adding in extra famiky costs without considering the extra family income.

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