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Posted: 2/13/2020 11:24:05 AM EDT
[#1]
Quote HistoryQuoted:
I probably do not spend 4k in 6 months..maybe even more.  |
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Posted: 2/13/2020 11:25:53 AM EDT
[#2]
Quote HistoryQuoted: A new Lexus. I like it a lot. It practically drives itself, especially on the freeways. |
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Posted: 2/13/2020 11:26:49 AM EDT
[#3]
Not even close.
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Posted: 2/13/2020 11:27:28 AM EDT
[#4]
Quote HistoryQuoted:
Holy shit on the insurance cost! Is that normal? Quote HistoryQuoted:
Quoted:
PG&E was $500 last month. Food bill was close to a $1,000 Health Insurance was $2,400 Soooo... without much digging at all we are almost at $4k. With a $5,000 deductible silver plan, a married couple in their sixties are paying ~$1,550. A family of three with the parents in their late 40's and 1 young kid are paying $1,100. Single person in their 40's runs about $400. Add ~$40 a head for dental and vision, which don't cover much these days. So a family of four, with older parents and a $2,500 deductible plan, $2400/month sounds a bit high but not ridiculous. I wasn't 1099 at the time, but the older guys tell me their rates are more than double what they were before Obama. There are significant tax advantages for many 1099 people, but if you look at the actual out of pocket cost for health insurance, yes, it is pretty crazy. Many (most?) people paying don't care because their employee plans have shielded them from the bulk of the increases. But I can tell you if Sally fucking facebook saw an extra $1,200 a month being directly removed from the family paycheck, she might actually give a fuck about paying for Joe deadweight's health insurance. Sally is a dumb cunt. Don't be Sally. |
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Posted: 2/13/2020 11:30:01 AM EDT
[#5]
Quote HistoryQuoted:
Health insurance alone is $2400. Family of 4. |
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Posted: 2/13/2020 11:30:15 AM EDT
[#6]
Last year the lowest spent was 758.49, the most was 1015.03, and the average was 901.56.
This covers food, insurance, internet, utilities, and clothing/entertainment. |
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Posted: 2/13/2020 11:30:30 AM EDT
[#7]
Quote HistoryQuoted:
Holy shit on the insurance cost! Is that normal? Quote HistoryQuoted:
Quoted:
PG&E was $500 last month. Food bill was close to a $1,000 Health Insurance was $2,400 Soooo... without much digging at all we are almost at $4k. |
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Posted: 2/13/2020 11:31:45 AM EDT
[#8]
Quote HistoryQuoted:
yes. employer subsidized health insurance really obfuscates the actual cost which has BALLOONED since ACA/0-care. Just like payroll withholding for income tax - nobody really looks at their pay stub. Quote HistoryQuoted:
Quoted:
Quoted:
PG&E was $500 last month. Food bill was close to a $1,000 Health Insurance was $2,400 Soooo... without much digging at all we are almost at $4k. |
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Posted: 2/13/2020 11:31:47 AM EDT
[#9]
Not even close.
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Posted: 2/13/2020 11:33:03 AM EDT
[#10]
Easily!
Ive got 3 kids in college, 4 kids driving under 22YO, A homemaker wife, guinea pigs, Dogs, cats, shooting hobby, Hunting Hobby, Surfing hobby, power lifting hobby.... The 4k is just to keep kids at college every month then the expenses begin. |
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Posted: 2/13/2020 11:35:53 AM EDT
[#11]
No. I only bring home $4k+ per month if I work a couple days of overtime.
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Posted: 2/13/2020 11:37:27 AM EDT
[#12]
Quote HistoryQuoted:
data mining  |
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Posted: 2/13/2020 11:37:32 AM EDT
[#13]
Quote HistoryQuoted:
lol, data mining thread... |
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Posted: 2/13/2020 11:39:00 AM EDT
[#14]
Quote HistoryQuoted:
There comes a point where you are just buying stuff to buy stuff. Really have been trying to cut back on that. Excluding mortgage 4k a month is hard to hit if you own your vehicles. |
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Posted: 2/13/2020 11:40:28 AM EDT
[#15]
Nope, even with the mortgage figured in we’re way below 4K mo.
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Posted: 2/13/2020 11:41:38 AM EDT
[#16]
In my mind, yes.
In reality, fuck no. |
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Posted: 2/13/2020 11:50:34 AM EDT
[#17]
In the past two years between medical expenses, new central A/C unit and divorce lawyers I have over achieved on that number
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Posted: 2/13/2020 11:53:18 AM EDT
[#18]
Quote HistoryQuoted:
lol, data mining thread... Surprised he hasn't been banned yet. Unless he's working for Brownells. |
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Posted: 2/13/2020 11:54:29 AM EDT
[#19]
Why the hell exclude mortgage payments?
I certainly exceed $4k a month pretty regularly. |
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Posted: 2/13/2020 11:56:54 AM EDT
[#20]
Sadly yes.
Wife and I are going to really work on that this year. Hopefully in 12-18 months we can pay all our monthly expenses with just the single income and start investing the other. We want early retirement and to do the full time RV life for a while. Need to vest a good 10 years in this company to really reap the benefits of the ESOP. That will put me at 50 YO. Lofty goals but I have attained more than I ever could have imagined thus far so I just may surprise myself. |
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Posted: 2/13/2020 11:57:13 AM EDT
[#21]
Yes, and have been for a while,,, it will stop soon.
Gotta pay for the sins of my youth. |
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Posted: 2/13/2020 11:57:21 AM EDT
[#22]
I've been throwing at least double that every month on debts for awhile now. Done this month.
Debt is dumb. |
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Posted: 2/13/2020 12:05:28 PM EDT
[#23]
Quote HistoryQuoted:
Tell us your secrets. Quote HistoryQuoted:
Quoted:
I probably do not spend 4k in 6 months..maybe even more. My monthly expenses are likely less than what many here spend on a car or house payment. Hell, probably less than some of your electric bills.
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Posted: 2/13/2020 12:06:54 PM EDT
[#24]
I live on $13k/yr.
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Posted: 2/13/2020 12:07:34 PM EDT
[#25]
No but close. Daycare is crazy expensive.
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Posted: 2/13/2020 12:21:47 PM EDT
[#26]
Quote HistoryQuoted:
No mortgage, no vehicle loan, no credit card debt. Retired and essential expenses run on average of $1650 a month and it includes ALL expenses that make up essentials including insurance on two vehicles and house as well as property taxes and internet and cable. Hell I even budget $60 a month for Christmas spending. Discretionary expenses( play money) runs from $300 a month to as much as a $1000 a month. Life is good. We're putting one of the houses (paid for) on the market next month but I need to quit hemorrhaging $$ too. Sell a couple of the autos, cut cable at one home, etc... |
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Posted: 2/13/2020 12:22:10 PM EDT
[#27]
Quote HistoryQuoted:
I live quite a ways below my means and have been for about 10 years. I wanna retire EAAAAAARLY 
Yes, it’s beautiful. I have a 50% pension at 25 years, the minimum amount of time. I will make more than that off my retirement investment interest at 10%. |
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Posted: 2/13/2020 12:22:19 PM EDT
[#28]
Yes. Two kids under 4 and one on the way.
Big yes |
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Posted: 2/13/2020 12:23:48 PM EDT
[#29]
Quote HistoryQuoted: When you have to buy it? Yes. That’s crazy! |
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Posted: 2/13/2020 12:24:09 PM EDT
[#30]
me? No.
My wife? You bet your ass. |
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Posted: 2/13/2020 12:24:20 PM EDT
[#31]
$4k? My fucking health insurance alone is $1700 a month.
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Posted: 2/13/2020 12:28:59 PM EDT
[#32]
We spend considerably more than $4000 per month and the only insurance that includes is for our cars.
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Posted: 2/13/2020 12:31:46 PM EDT
[#33]
Unless I drastically changed my way of life, I’m not sure I could spend $4,000 a month if I tried
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Posted: 2/13/2020 12:37:20 PM EDT
[#34]
If I wasn't paying for college and living expenses for a kid in college, we probably wouldn't spend even close to $4000 a month. We live pretty simply.
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Posted: 2/13/2020 12:37:51 PM EDT
[#35]
No..
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Posted: 2/13/2020 12:38:34 PM EDT
[#36]
I spent 30k+ on random amazon.com crap last year so yeah I’d guess so.
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Posted: 2/13/2020 12:46:34 PM EDT
[#37]
Quote HistoryQuoted:
We’re somewhere around $3k in student loans alone. |
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Posted: 2/13/2020 1:39:42 PM EDT
[#38]
I was for a while, if you average it out. I was paying for six kids to go to college, including one out of state, for a period of 10 years. Now that they have all graduated i'm back down to about $3,000/mo.
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Posted: 2/13/2020 1:42:10 PM EDT
[#39]
Quote HistoryQuoted:
Since I don’t take home that much I can’t spend that much.
But the bright side,no mortgage/rent my 2017 Tacoma is paid for and only monthly expenses are health insurance,utilities,cell phone,internet,gas and food. IRA is growing as well 
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Posted: 2/13/2020 1:43:19 PM EDT
[#40]
Quote HistoryQuoted:
I spent 30k+ on random amazon.com crap last year so yeah I'd guess so. |
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Posted: 2/13/2020 1:45:13 PM EDT
[#41]
Not usually, but I've had certain remodelling projects the last few months, so I voted "yes."
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Posted: 2/13/2020 1:46:14 PM EDT
[#42]
Woah... 50% of the people here spend over $4K per month NOT including mortgage?
Holy shit. ETA: I assume this does not include those occasions where you spend money to buy a new car or TV or maybe a nice vacation. |
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Posted: 2/13/2020 1:50:28 PM EDT
[#43]
LOL I pay way more than that on a school loan.
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Posted: 2/13/2020 1:53:02 PM EDT
[#44]
No...
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Posted: 2/13/2020 1:54:13 PM EDT
[#45]
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Posted: 2/13/2020 1:54:39 PM EDT
[#46]
Yes, buy at least one gun per month and lost in boat accident, and repeat
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Posted: 2/13/2020 1:55:53 PM EDT
[#47]
No and that all includes all expenses including housing, why would you exclude housing ?
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Posted: 2/13/2020 1:57:23 PM EDT
[#48]
Quote HistoryQuoted:
$4k? My fucking health insurance alone is $1700 a month. |
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Posted: 2/13/2020 1:59:26 PM EDT
[#49]
Quote HistoryQuoted: Did the degrees pay off? STEM? |
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Posted: 2/13/2020 2:00:38 PM EDT
[#50]
Wouldn't you like to know....
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