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You Are A Elf posted:Who the gently caress maintains their house for $5,000 yearly? These snobs remodeling their kitchen every year? Poolboys don't come free 
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May 9, 2022 13:45
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Milo and POTUS posted:Honestly with as expensive as home maintenance can be... Thats nice dear 
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May 9, 2022 13:46
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i can't afford it look at my budget! no i can't spend less on candles!
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May 9, 2022 13:47
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You Are A Elf posted:Who the gently caress maintains their house for $5,000 yearly? These snobs remodeling their kitchen every year?
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May 9, 2022 13:52
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Billy Ray Blowjob posted:Thats nice dear lol not like id know. I'm poor as gently caress. But I got a friend who bought a shithole and every day it's something new and usually expensive
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May 9, 2022 13:54
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I'm the 10k in misc so that the left over is a smaller number
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May 9, 2022 14:02
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You Are A Elf posted:Who the gently caress maintains their house for $5,000 yearly? These snobs remodeling their kitchen every year? I’ve been to many estate sales in multi million dollar homes mansions. The one thing that has stuck out to me is that the craftsman ship is usually pretty bad. Most of these people are paying a premium for a facade covering lovely plumbing, electrical, and framing.
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May 9, 2022 14:15
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You Are A Elf posted:Who the gently caress maintains their house for $5,000 yearly? These snobs remodeling their kitchen every year? $5k is almost nothing for home maintenance. there's a ton of things that go into maintaining a home. a kitchen remodel for my small-ish house is like $60k.
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May 9, 2022 14:21
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DemonToadGoat posted:I'm the 10k in misc so that the left over is a smaller number I'm the charitable donations that are 50% higher the average rate for people of this income range because I'm one of the good ones even though I look at my piddly $7300 savings and complain about taxes, and vote republican, and yell about Big Government wasting our money on illegals and drug addicts
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May 9, 2022 14:28
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Can you imagine having all this budgeted away, every single thing you'd need including 'misc' and being like 'oh no only 7 grand left over  (((((('gently caress these people for thinking they are average.
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May 9, 2022 14:30
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Klyith posted:I'm the charitable donations that are 50% higher the average rate for people of this income range They itemize everything so they get a tax break on the “charitable donations” lowering their effective tax rate even more. Also they own the charity.
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May 9, 2022 14:36
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You Are A Elf posted:Who the gently caress maintains their house for $5,000 yearly? These snobs remodeling their kitchen every year? lol
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May 9, 2022 14:37
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lol $5000 in maintenance barely covers basic upkeep
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May 9, 2022 14:39
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They feel average because the husband's wiener is 5.5" long erect and changing their dumb budget won't make them feel any less average.
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May 9, 2022 14:42
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zedprime posted:You can probably blow through that on cleaning the siding, roof, and windows on a (multi)million dollar mcmansion. Maybe a bit of lawn and yard landscaping with the leftovers. It cost us $4500 just to put in a French drain to stop the basement of our lovely $160K house from flooding, which I would consider a maintenance cost.
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May 9, 2022 15:06
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i did a french drain myself with a pick axe and a shovel instead of renting a machine or having someone else do it. after i was done (took like a month worth of weekends to complete the project with the PVC, gravel and filling it back in), i would have paid $4500 in a heartbeat.
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May 9, 2022 15:09
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kntfkr posted:They feel average because the husband's wiener is 5.5" long erect and changing their dumb budget won't make them feel any less average. Wait... the average wiener is 5.5"? This is very unsettling
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May 9, 2022 15:16
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oh nooo I only have $600/mo discretionary spending budgeted after spending 4 entire full time minimum wage salaries on vacations, charity, extracurriculars, and "miscellaneous"
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May 9, 2022 15:16
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CRIP EATIN BREAD posted:i did a french drain myself with a pick axe and a shovel instead of renting a machine or having someone else do it. after i was done (took like a month worth of weekends to complete the project with the PVC, gravel and filling it back in), i would have paid $4500 in a heartbeat. Yeah I contemplated doing it myself but it runs 35 feet across the back of the house and then underground another 80 feet down the side of the driveway out to the road. I ain’t doing all that.
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May 9, 2022 15:16
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Morpheus posted:gently caress these people for thinking they are average. these people don't exist, and no actual $500k earners look like this budget the person who needs to get hosed is the toady journalist who came up with this chart and massaged it as much as possible to look "reasonable" even though it's full of bullshit and actual lies (40% effective tax rate? the 2019 income tax capped at 37%)
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May 9, 2022 15:18
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I'm not sure I've spent $9k on clothes in my lifetime, let alone in a single year The most expensive things I guess I own is like four hand-tailored suits I picked up in Asia for $300/piece
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May 9, 2022 15:19
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BAGS FLY AT NOON posted:Yeah I contemplated doing it myself but it runs 35 feet across the back of the house and then underground another 80 feet down the side of the driveway out to the road. I ain’t doing all that. oh you went out the road, nice. i put a 55 gallon drum with the bottom cut out on top of like 12 inches of gravel and surrounded by gravel in the back yard. i have 2 different french drains that run and connect to the drum. so its basically a huge reservoir underground that can buffer the water to seep into the ground below the clay line.
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May 9, 2022 15:20
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Seth Pecksniff posted:I'm not sure I've spent $9k on clothes in my lifetime, let alone in a single year I identify as a family of four for food and alcohol Not for clothing
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May 9, 2022 15:25
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to be clear, the actual amount of income tax this hypothetical couple paid on $464k net salary after 401k, minus $18k in charitable deductions, was: $110k thus they are either the stupidest people in the world and gave the IRS a $75k overpayment, or they actually have $82,000 in the bank even after spending a quarter-million dollars on a pretty lavish lifestyle when we get out the guillotines, we need to remember that every financial journalist gets put in line with the rich 
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May 9, 2022 15:34
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Poohs Packin posted:in the grimdark future of the 41st millenium there are only the edgiest of posts Lol
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May 9, 2022 15:37
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CRIP EATIN BREAD posted:oh you went out the road, nice. Very nice. We live on a hill so all the water runs down towards the back of the house and pushes up against the foundation, hence the basement flooding. Meanwhile the water in front of the house floods down the driveway and creates a luge in the winter. So now the drain routes the water from the back down the side of the driveway and there’s a secondary pipe that connects the front gutter to the drain as well. Right now the back gutter runs into the drain too but we’re thinking about running it into a rain barrel to use for gardening.
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May 9, 2022 15:40
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i'm on a hill, too, but the water actually floods my backyard, which is frustrating in the summer because of all the bugs it attracts. luckily the french drain seemed to fix it. i'm very fortunate that my basement has never leaked or flooded in my life.
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May 9, 2022 15:42
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when my parents bought their house their crawlspace flooded badly every time it rained hard. I remember having to help them use the wetvac to sop it up and dump it outside Two French drains later (first one the contractor failed to do it correctly and my parents had to sue to get their money back) it's all dry and now is a tiny lil wine cellar
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May 9, 2022 15:45
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Klyith posted:these people don't exist, and no actual $500k earners look like this budget It's a whole other conversation that you usually start restructuring income in most circumstances you stand to make as much as this couple. There's so many other things to make fun of like spending more than a lot of people make a year on, generically, 2 children. Food, clothes, and extracurriculars are different bullet points so I have to assume that was the price to purchase the kids themselves.
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May 9, 2022 15:53
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WASTE DETECTED: The Kids doing things instead of me
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May 9, 2022 15:55
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No No, youre right New guttering was the better spend. And come winter, sitting, hearing, the rain run and break so perfectly between the fingers of the drainage mesh.
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May 9, 2022 15:59
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the only time I met rich people I got lost in their house
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May 9, 2022 16:04
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Animal-Mother posted:the only time I met rich people I got lost in their house I'm usually surprised how stupid they are. Like just dumb as tacks. Maybe youre rich
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May 9, 2022 16:11
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i don't know what brothel you guys go to but you're getting ripped off on french drains
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May 9, 2022 16:29
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kntfkr posted:i don't know what brothel you guys go to but you're getting ripped off on french drains Wow sounds like someone doesn’t have 80 feet of pipe running out to the road 
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May 9, 2022 16:32
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I'm the miscellaneous at 10k a year, which works out to a respectable 200 dollar per week coke habit.
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May 9, 2022 16:36
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ikanreed posted:Who makes that much and only invests 18k a year? 401k contributions have an annual cap of 18k per person (actually 20.5k now, but this graphic is old), so they are maxing out the most tax-efficient investment space available to them at $36k / year. I wouldn't be surprised if they are also getting some kind of employer match at around 5% of their salary, which doesn't count against the annual cap, so they likely could be adding another $25k to their 401k for a total closer to $60k/year. That's actually not too bad... a bit over 10% of their income invested annually. They earn too much to be able to use a roth IRA account (unless through a backdoor), so they are at least filling the best investment buckets to fill in their situation. Also, you can probably consider their mortgage an investment of sorts, since they could downsize when some/all of their kids move out, or move to a cheaper area when they retire. They also have life insurance payments, which... well that seems like a terrible investment if you're already rich, but it is another type of investment I guess. And with their income they are definitely going to cap out the social security payout when they reach retirement age. That system won't be the golden goose it was for boomers by the time they retire (assuming this is a gen x or millennial couple), but it will probably still give them a decent monthly payment. My point is, I think they could squander their embarrassingly large income on whatever they want and still end up filthy rich in retirement with what they're doing. There's almost no way to fail, aside from of things like civil war, climate collapse, etc. which nobody can really plan around short of learning how to live underground eating mushrooms and cave lichen. Of course, they could also just live like a normal family on a <$100k income, invest the extra $250k or whatever is leftover after taxes every year, and retire comfortably wealthy after less than 10 years in the workforce. And then do whatever the gently caress they want with whatever healthy time remains to them from their mid 30s on, but I mean, who's to say if that would be better than working a full 30 years living a turbo-consumption lifestyle? (It's me, I am saying that would be better, unquestionably.)
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May 9, 2022 16:59
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I'm the loving $18,000.00 given to Charity on the yearly. gently caress off. lmao
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May 9, 2022 16:59
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Klyith posted:to be clear, the actual amount of income tax this hypothetical couple paid on $464k net salary after 401k, minus $18k in charitable deductions, was: are you including state taxes in this? in some states they will pay an extra ~10% on top of the federal tax rate. with those salaries i assume they live in california or nyc or somewhere like that with high state / local taxes.
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May 9, 2022 17:07
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sigher posted:I'm the loving $18,000.00 given to Charity on the yearly. (it's their church)
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May 9, 2022 17:09
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