Anonymous wrote:I’m guessing you eat out all the time and constantly getting Starbucks and boba without even thinking. You have multiple streaming accounts and order from Amazon whenever you need or want something without thinking.
You get your hair and nails done every 6 weeks and buy expensive clothes. It doesnt matter how your house and car is, this
kind of spending adds up fast!

Anonymous wrote:This is a troll for sure; however I do feel their sentiment. You still need to budget and think about saving on 275k, it’s definitely middle class and not luxury (although it’s not “just getting by”). With kids though it probably is bare minimum for middle class, especially with 2 in daycare or needing a nanny.

Anonymous wrote:Stop blowing smoke up my arse trying to claim $275k hhi is just fine and dandy these days. It is not. We are friggin dinks with virtually no debt except our mortgage on a very modest $625k home. We rake in $275k and are super middle class, it’s insane. Right now driving an 8 year old cheap Mazda 3 bought for $20k snd is paid off. I dread the day we need a new car, because a new car payment will place huge strain on our finances. I think we can only afford a Toyota sedan next. You’d think dinks making almost $300k could afford an Audi these days, but nope. Car insurance, home insurance, taxes, groceries……all of it demolishes you. We only take 1 vacation too per year.

Ok, we might tread water, I’ll give you that. But we aren’t THRIVING. I feel like you’ll only thrive on a $500k income these days. And that’s only from a DINK perspective! I dunno how everyone else who is poorer AND has kids survives. You all survive on malk and beans? Who knew the American dream for family people meant a life of brittle bones and cutting coupons, lol. Prices are so outta control. It is bonkers.

Anonymous wrote:

Anonymous wrote:Op, thank you for working hard and pissing away all your hard earned money. Economy is doing well because of people like you.
Rich people see possibilities with any left over money; poor people see what they can't have - an Audi in this case. You lost me at the Audi. I just bought a new Mazda at 0% putting half down from my older car.
I don't put my money in 401k to rot, but I did double my money inside Roth accounts in under 6 months. I'm trying to do it again the next 6 months, so twice a year.
I do budget down to a dollar as I like it so much.
I work two days a week usually. I also took the whole summer off. Seems like my earned income will be $20k a year as it has been the last 25+ years.
Work smarter, not harder.

Oooohhhhh ooooo. I'm so impressed. Congrats, you'll either be the wealthiest corpse in the graveyard or a millionaire crapping in a diaper while you let life blow by with zero enjoyment and repaing the rewards of your labor while younger.

Lame.

Anonymous wrote:I can’t tell if this is a troll post or someone really is this delusional.

$275k for 2 people is fantastic income. It’s what we make with an elementary kid and I feel extremely well off. We contribute $20k each to 401k/403b, $6k each to Roth IRA, put $10k a year into a college fund, and just bought a brand new car (admittedly a Honda sedan, but I don’t know why that’s a shameful thing). We are able to go on regular vacations, do the hobbies we enjoy, and I don’t have to budget for groceries. We do not have any student loans and our mortgage is only $3k so that helps a lot!

I understand being underwhelmed by what $275k gets you, but implying you are anything other than well off is silly.

Anonymous wrote:This is a troll for sure; however I do feel their sentiment. You still need to budget and think about saving on 275k, it’s definitely middle class and not luxury (although it’s not “just getting by”). With kids though it probably is bare minimum for middle class, especially with 2 in daycare or needing a nanny.

Anonymous wrote:Have some perspective OP. Yes our first house (tiny, not renovated townhouse) was $500k, but interest rates were over 6% (in 2007) and our household income was $140k. The only difference was that we didn’t feel poor - on the contrary we were excited and hopeful. We didn’t expect to be rich or have luxury cars at 30. Have patience and get out of your own head.

Anonymous wrote:Op, thank you for working hard and pissing away all your hard earned money. Economy is doing well because of people like you.
Rich people see possibilities with any left over money; poor people see what they can't have - an Audi in this case. You lost me at the Audi. I just bought a new Mazda at 0% putting half down from my older car.
I don't put my money in 401k to rot, but I did double my money inside Roth accounts in under 6 months. I'm trying to do it again the next 6 months, so twice a year.
I do budget down to a dollar as I like it so much.
I work two days a week usually. I also took the whole summer off. Seems like my earned income will be $20k a year as it has been the last 25+ years.
Work smarter, not harder.