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[quote=Anonymous][quote=Anonymous]As a first year with a master's, my annual is $54,975. My gross bi-weekly is $2,114.20. After taxes, insurance, and the mandatory summer pay withdrawal, my net pay is $1,242.05 bi-weekly. My child's before/after care is $400 a month. My monthly student loan payment is $600. My rent and utilities for a one bedroom apartment come out to $1700 a month. Car insurance is $70 a month and I have a cheap $50 cell phone plan. No cable. No car note. I'm broke before I even get to the grocery store or gas station. I'd work a part time job if I had access to  free childcare in the evenings. I just got a hardship forbearance on my student loans so that frees up enough cash to buy groceries. [/quote]

Something is weird with your numbers. If you gross 2114 your pay is already divided up by 26, thus making a summer pay withdrawal redundant. Your taxes should be reasonable as head of household/ single parent. Is health insurance really that highly on a family plan or self + 1? I agree with you that 55k is not enough to live on in the city, but you should be taking home more money than you are.[/quote]

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