Wow you guys spend alot on living. Here is my budget, then again I pride myself in being able to live on little. Which is kind of odd but I really enjoyed the college years where you didn't have much & as a result didn't have much worries.
housing - 400$, rent a room. Nothing special. Try and find a place where people share the same lifestyle. I personally enjoy the college/party lifestyle.
Utilities - paid for by owner. Unless for some reason you run the bills up.
Food - 100$
Gas & auto expense - 100$
Mobile phone - 20$ use prepaid card.
Insurance - 100$. Single person.
Cable - paid for by owner or 10$ for netflix account.
Misc - 100$.
So around 800-1k monthly expense. The rest of the income divert to investment portfolio. You can also lower the per person expenses even more by doubling up with a roommate or girlfriend. I know some people who live on 400$/month but they go without alot of stuff like health insurance and a car. The trick is getting the housing expense down by having 3+ people live in a room. Which isn't too bad if most of the roommates are out of the house doing other stuff.
good luck...sounds like you have figured out our tax system (good luck)...
curious what you found out about health insurance costs?? try and keep to PPO if you can...
am a pro at health ins questions..again..HMO is cheaper but many providers are starting not to take it...with the exception of Kaiser...worked for them for 20 years...in OC we gave excellent care..they recently built a new hospital..clinics everywhere for non inpatient care..and excellent docs ..
I had kaiser as a kid growing up back in the day. Was good coverage. Then I started paying for my own insurance and kaiser was the most expensive option. Probably 20% more expensive.
if you do a quick google search...approx 77% of Americans are paying premiums for healthcare thru their employers...some areas of the county do indeed pay all of the premiums...Ca is not one of them...
There is one problem to that. If you get sick and lose your job you lose your coverage! Seen it happen to lots of people.