Someone's gonna do somethin about this right?

[Anonymous No.53487126]

>mortgage payment: $1700
>car payment (+ insurance): $650
>utilities: $300
>student loan (currently paused): $175
>internet/phone/consume subscriptions: $200
>food: $500
>monthly take home (after tax): $3350

>net income (monthly): -175

I like to think of myself as an unprofitable growth technology stock

[Anonymous No.53487152]

>>53487126
>car payment: $650
>food: $500

[Anonymous No.53487163]

stop paying for any subscription other than your phone plan and eat less food

[Anonymous No.53487167]

>>53487126
you either need to be homeless or carless the choice is yours western man

[Anonymous No.53487172]

>>53487126
Living alone is for high IQ people get roommates or go back home

[Anonymous No.53487278]

>>53487163
>>53487167
>>53487172

I think i'm just gonna continue as I am and let the chips fall where they may

[Anonymous No.53487288]

>>53487126
>I like to think of myself as an unprofitable growth technology stock
sell house, move to smaller house, fixed, you bough something you can't afford, deal with it before it's too late

[Anonymous No.53487330]

>>53487126
Why the Hell would you have a 650 dollar car payment? Also are you eating lobster daily or something why is your food so much? Those are your 2 biggest issues.

[Anonymous No.53487371]

>>53487330
the payment is 400 the insurance is 250. i need a car during the chip shortage i kinda bought the top of cars

[Anonymous No.53487376]

Spending 650 a month on a car is not normal. You could have bought something for 5-10k and just spend 100 to on insurance. That would give you 550 extra a month to pay off your mortgage faster and reducing your monthly mortgage payments. That would snowball your spending room each month. Now you're stuck, all because you needed the newest car and the better home. You disgust me.

[Anonymous No.53487402]

>>53487376
LOL

[Anonymous No.53487505]

>>53487402
I guess all you can say is LOL because you think I'm joking? Really I'm being honest and just tell me whats going on in your head right now, I'm intrigued.

[Anonymous No.53487553]

>>53487505
i was just laughing at how much i disgust you. 5-10 years from now my car will be paid off and my house value will have doubled so i'm not worried. I can keep breaking even until then and if i fall behind i'll just get a credit card. don't be so dramatic

[Anonymous No.53487591]

>live with parents
>only pay phone bill and credit card debt (less than $2k)
>Net monthly income: $3000

I've been DCAing the past year like a madman and I'm ready to make it next bull run kek

[Anonymous No.53487656]

>>53487553
10 years to pay your car of? That's whats, a 40k car? And your home price will likely go down like 50% in value if you bought it recently, were at the top of the market right now. You have no room to do any nice things like holiday, only if you go into more debt. Which would leave you even less room to pay off anything faster to give you more spending room. Is this the American dream? So confused. You are not building wealth this way. The only way you hope to build wealth is by selling your home, and that only works if you buy something half the size after that.

[Anonymous No.53487680]

>>53487656
you gotta take chances to get rich. after i pay off my car it'll be worth ~25k and if my house doubles by then i'll have 6 figures. its easy.

[Anonymous No.53487746]

>half of his take home pay going to housing

You got too much home anon, it's called being house poor. When the water heater or HVAC inevitably goes out you're going to be fucked because you got no margin in your budget to save for a rainy day. You need to downgrade to something closer to 25% of your monthy after tax pay.

[Anonymous No.53487778]

>125k a year salary before taxes. Like 6k take home
>wife and 2 kids, one just born. She's staying home raising them
>new car base model Hyundai palaside upgraded from 2010 civic for wife $600. I still drive a shit box. $200 car insurance
>hospital bills $300 for the next 2 years
>$2,000 mortgage
>groceries i don't even know, too much,. Good thing we don't go out to eat much
>$1,200 student loans for the next 7 years for me and $400 for here
> $500 utilities, internet, one subscription tv service
>still trying to save for another house in a better school district before kids get to school age. Barely any money for fun activities.
And my fucking trucker friends make as much as me with no $130k graduate degree in medicine.

[Anonymous No.53487818]

>>53487126
>only $500 food
it's not 2018 anymore

[Anonymous No.53487939]

>>53487778
we're gonna make it. i just know it.

[Anonymous No.53488036]

>>53487126
>>53487778
Debtors btfo

[Anonymous No.53488067]

>>53487126
Sell house, buy 2 units for similar price. You live in 1 unit and rent one out. Mortgage costs drop to zero.

[Anonymous No.53488269]

>>53487553
Nigger my golf was paid off in a year and a half, you are doing it wrong

[Anonymous No.53488282]

>>53487278
Mortgage seems high frendo. How did the bank think that would be sustainable?

[Anonymous No.53488291]

>>53487126
I did that for most of my 20s. It blew up eventually and I moved back in with my parents and a shit ton of debt. Paying half your take home on housing is a disaster waiting to happen

[Anonymous No.53488297]

>>53487553
>As long as my house doubles in value I'll be fine!
Top signal.

[Anonymous No.53488327]

I take home over 5k a month and bought a 2022 jeep grand Cherokee in February. Insurance is $450 for 6 months, probably less when it comes due this time around. My mortgage is only $1550, internet $80, phone $75. Just paid off my 2nd motorcycle in December and have $1700 left on my only credit card. $31k left on the jeep which should take a year and a half. Considering getting a room mate again since I could probably charge $750 since it's a nice basement in a quiet neighborhood. Things to think about

[Anonymous No.53488397]

>>53487778
I made $115k last year as an electrician with an associate's in the Midwest lol

[Anonymous No.53488732]

>>53487126
1) sell your car and walk to work. if you don't live 5 mins to your work then sell and move: +$650
2) seek government forgiveness for your loan: +$175
3) cancel all subs just pirate movies: +$100

now you are making $750+ invest in SPY 100%. You will retire in 30 years easy.

[Anonymous No.53489521]

>>53487126
My mortgage is 2100, I spend about 4K a month

[Anonymous No.53489890]

>>53487126
>food: $500
wtf man
stop buying the goypackages
they only exist to eventualy make you pay for goycare
do yourself a favor and look for EE/Indian/African shops
the ee shops have all the meat you need

[Anonymous No.53489972]

>>53487746
Back before I moved back in with my parents my apartment rent was half my salary for a small box. I thought 50% of your income for housing was the new normal.

[Anonymous No.53489977]

>>53487152
yeah that's about average, get back on set grandpa

[Anonymous No.53489999]

You are late asking your question OP. I was asking this question 7 years ago. Unfortunately it took me till a few months ago to realize NOPE, no one cares. QoL is not an economic indicator so the suits will continue dumpstering it until people revolt (which won't ever happen because nothing happens).

[Anonymous No.53490126]

>>53487126
ngmi

[Anonymous No.53490171]

>mortgage payment: $1700
>Monthly income: $3350

[Anonymous No.53490199]

>>53489999
Because you troons are weak and will never revolt lmao

[Anonymous No.53490209]

>>53487778
>>new car base model Hyundai palaside upgraded from 2010 civic for wife $600. I still drive a shit box. $200 car insurance
Yikes you fell for the meme. Does your bitch of a wife really need a 40k car (that will en up costing you 60k) to drive around in the city?
This is why men stay poor, they are too cucked to say no to their bitch wives

[Anonymous No.53490220]

>Turning 27 in 3 months
>live alone w/cat
>have gf that doms me, but otherwise doesn't care much

>mortgage for 2000sq ft 3-story townhome is $2k/month. 15 year-fixed @ 2.37%
>spend like $1k/month on bills and such
>bring home $3k/month
>plus contribute like $500/month to 401k + $500/month to employee stock program
>no debt aside from mortgage
>Still running 07 Camry from Highschool
>still have a bunch of ETH and BTC and some random other crypto/stocks

I'm running tight (I fucked up getting a 15 year fixed obv), but also doing pretty good in the grand scheme of things.

[Anonymous No.53490233]

>>53487553
>I was just laughing at how much i disgust you