A http://Cracked.com writer once characterized this argument as "yes, this is an objectively large sum of money, but it is much smaller after I spend it"https://twitter.com/QueanPolitik/status/1438033855085154305 …
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That's just bad financial management there. With this income, there is no universe where you aren't getting a better return paying down the car loan than you are with the 20K to non-tax-advantages investments.
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While I'm here, taxes seem high? Presumably living in a high tax jurisdiction. The effective federal tax rate here should be 25%, plus FICA. So around $95k going to the feds. In most places, state taxes aren't going to add up to the other c. 20k.
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