People in San Francisco seriously underestimate how good of a salary $75-85k/yr is in the Midwest. We have grads making $80k where you can buy a nice three-bedroom home for $175k. Your mortgage is $600/month, which leaves over $6k/month before taxes.
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"before taxes" is a fantasy world that no one lives in.
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... so you deduct taxes from that and it becomes after taxes
End of conversation
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