Reply to How the shit do normal people afford to live here?

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[quote=Anonymous][quote=Anonymous]I get you are trying to be understanding but your tone is off putting. Emergency funds, retirement accounts, vacations, college savings, and health insurance are luxuries. Either pick 1 or pick none. Pay your rent or mortgage, utilities, food and that is how you live on 40k. Stop acting so dumb about it.[/quote]

Yep, this is how we live.  We obviously will never own a house here.  We live in a one bedroom with a den with two kids in a "transitional neighborhood" and we.. well, we make our priorities. We live in town to avoid commuting costs and the loss of time with our children, so our rent is higher than FAR out burbs but only slightly (about $200/month more).  It's cheaper than somewhere like Arlington!  We don't have cable or Ipads or go out to fancy dinners or what have you.  I have great health insurance through my job (thank God) but we have no savings and take no vacations and only do our employer part of our retirement savings.  Occasionally food is on a credit card, but 85% of the time we make our ends meet and are very very happy.  We both have jobs that we love and while we make pennies now, we will make a more livable wage in about 5 years and our kids will be out of daycare, so things will get better.  People all over start out poor and work their way up, and we're no exception.  That said, I will admit that it's hard and sometimes I'm really jealous of my friends who can afford more luxuries.

We don't qualify for any subsidies (no govt aid), for what it's worth.  But we ARE on a sliding scale at our childrens' daycare center and save an additional 10% because of sibling, so that's how we afford that.  [/quote]

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