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So you'd take a second job so your kids can go on vacations, but not spend much time with you because you're always working?
Something like that. That's how my father did it. Maybe they will appreciate me more when I am home. But wife seems keen on working, so we'll see if that can happen with out both of us away from home at the same time.
You didn't get the point of my post. Neither did anyone probably. Your earning power is worthless unless your child is aware of condoms and how to hustle without drugs.
Being poor or rich, it's both a burden. You can't get it right in any way. Children WILL have sex and do drugs. Children will screw up constantly and have children they didn't want, and addictions they never wanted.
Once they are beyond teens and towards adults, the earning power means nothing at all. There is no hope and there is no help.
It's not about how much money you make - it's the values you inspire. Values count more than money. Values and morals will always be worth more than your earning.
I get it now. I don't think students need to learn about condoms from school, parents should explain those things as soon as they reach puberty. Not all will have sex or do drugs. I had lots of freedom and avoided it.
I went on this website and it's WAY off for my area!! How would transportation be more than housing? And housing at $900 a month for a family of 4???? Not here!
If u fill up every week, do maintenance, carry the full insurance and make a car payment it could be near 900.
Such a poor view of life, no one wants to work they have to work. This is why we have a drug epidemic to escape reality because of thought processes like yours, when a boss has this thought process it is particularly destructive.
Fair enough, let's call it 75k. You aren't living the "glamorous" life but you do sound genuinely satisfied and happy with the way your life has turned out......
Sure 75k a year is a grey area, the majority of people do in fact raise families with combined incomes less then 75k, that being said IMHO kids are a liability and the more money one makes the more options as well as room for error they have. So personally I wouldn't feel the motivation to take on the HUGE reasonability and liability of raising even one child making less them combined 100k a year. Sure, 92k a year or 108k is practically the same thing, but you start talking about kid(s) with combined incomes just over 50k or under and I don't know how the hell nor WHY people would choose to have them.......
I lived in Indiana last year. I made $60,000 then. After a 6% 401k deduction, all state/local/federal taxes, and medical insurance, I cleared $3,000/month.
Assume $1,000 for mortgage/taxes/insurance, which would get you an average home in a good school district in most suburbs of Indianapolis. Assume two modest cars with maintenance/insurance/gas/payments in the $300-$400/month range. That's nearly half your pay right there.
That's before any other savings, utilities, food, etc. It's not a lot of money at all. Get into a higher cost of living area, and you need more income. Go to a small town - you're not likely to make even $60,000. There are few places where people can have a real sweet spot.
I lived in Indiana last year. I made $60,000 then. After a 6% 401k deduction, all state/local/federal taxes, and medical insurance, I cleared $3,000/month.
Assume $1,000 for mortgage/taxes/insurance, which would get you an average home in a good school district in most suburbs of Indianapolis. Assume two modest cars with maintenance/insurance/gas/payments in the $300-$400/month range. That's nearly half your pay right there.
That's before any other savings, utilities, food, etc. It's not a lot of money at all. Get into a higher cost of living area, and you need more income. Go to a small town - you're not likely to make even $60,000. There are few places where people can have a real sweet spot.
That's why you have so many workers doing 2-3 hour commutes. Finding a place that pays top dollar with having a low COL is unrealistic. I still highly recommend young people starting to spend their prime working years living and working in a high COL area instead of cheapsville. Even better if you buy a home in the high COL area. You can later sell the house for a lot of dough and retire to cheapsville. There is a good reason why cheapsville is called cheapsville. Either there are no jobs, or jobs that pay too little.
I lived in Indiana last year. I made $60,000 then. After a 6% 401k deduction, all state/local/federal taxes, and medical insurance, I cleared $3,000/month.
Assume $1,000 for mortgage/taxes/insurance, which would get you an average home in a good school district in most suburbs of Indianapolis. Assume two modest cars with maintenance/insurance/gas/payments in the $300-$400/month range. That's nearly half your pay right there.
That's before any other savings, utilities, food, etc. It's not a lot of money at all. Get into a higher cost of living area, and you need more income. Go to a small town - you're not likely to make even $60,000. There are few places where people can have a real sweet spot.
At least u have 401k and medical though. How many people need 2 cars? If there is another driver, surely they're working?
That's why you have so many workers doing 2-3 hour commutes. Finding a place that pays top dollar with having a low COL is unrealistic. I still highly recommend young people starting to spend their prime working years living and working in a high COL area instead of cheapsville. Even better if you buy a home in the high COL area. You can later sell the house for a lot of dough and retire to cheapsville. There is a good reason why cheapsville is called cheapsville. Either there are no jobs, or jobs that pay too little.
great advise
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