Reply to Income 100k for 35 year old is working poor

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[quote=Anonymous]I rounded your take home to $5400. Here's what you are going to do:
Get a studio with all utilities included. Found one in lovely area and building in NWDC for under $1500 all utilities included. I'm sure there's one in VA cheaper than that.
Phone.internet, Netflix can be had for 
$100 a month.
Get rid of the car and invest the money.
$200 for commuting now that the car is gone.
Our lovely building has a gym, pool, and trails - all free.
$100 student loans.
$500 for groceries which is generous for one person.
All else:going out, eating out,clothes, toiletry,haircuts-,$600.
You would have $2400 left every month.
You had no business getting a pet. Pet is a luxury.
Also, don't save, you invest. Stock market was up last year, a lot. The $400 a month you saved, should be $6600 right now.
All stocks I have doubled this year alone. You are clearly not in the market so you don't know what's happening. I'm not convinced not knowing/being in it is a plus. I learned a lot even when I lost some.
Can you see that you concentrate on things that take money instead of things that make money. You chose it and I don't know why. You are not getting younger.
You are getting a second job in a restaurants at nights from 5/6-10pm or two brunches. The second job gives you extra $1000 a month at minimum. They also feed you and keep you from spending money because you are too busy working two jobs.
You are going to invest in S and P ETF long term and learn to manage your own money.
There is so much money to be made while you are talking about the credit card points you get. Did you know that some utilities charge you for using credit card for payment. More than the 2% you get back.
You didn't tell us if yours do or don't. Look them up, please.
I have made over $40k twice in my life. I never had the luxury to upgrade my life. I had to learn to make my money work for me. I don't have to work anymore at the age of 46. Being working poor making $100k is a choice.

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