I mean full context I earn more than 200k in Seattle its comfortable but not, you know, /comfortable/ I don't own a car, I have no idea how I'll ever afford a down payment on a house here Possibly I oversave idk But I surely dont feel RICH
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This is so weird to me, me and my wife's combined income doesn't break 6 figures and we apparently live rather more comfortably than you, entirely based on location.
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I suspect that there are two things (as there are w my own situation vs Eigen): 1) cost of living for some things (e.g. housing ) is much much lower 2) definition of normal / reasonable is different
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quick breakdown rent is 2400/mo student loans 650/mo utilities etc maybe 200/mo after savings taxes etc my monthly takehome is ~6.25k, so end up with maybe 3k/mo to spend on other stuff after fixed costs i have some slack, but I can't spend willy-nilly
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Replying to @eigenrobot @MorlockP and
Penny has substantial vet bills, I try to see my family a few times per year, I have other major expenditures on the horizon I can't talk about here, and even if I spent none of that (inc daily meals) it would still be five years to save for a house down payment :/
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Replying to @eigenrobot @MorlockP and
The interesting question no one ever asks is where does all this money end? Bcs your quality upper class all-organic 3x price bakery down the street doesn't pay 3x wages or triple the avg for flour vs the bakery asking for 1x money in Smalltown, Wyoming.
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Replying to @jasogamol @eigenrobot and
Neither did your landlord pay 3x the cost for erecting the rooms you are living in, back then in 196x... BTW 3k unallocated money for a single young person (I suppose) feels only mediocre safe in the US, in socialistic Europe you are really rich (<98% percentile) with this.
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Replying to @jasogamol @eigenrobot and
$3k/mo unallocated is far better than "mediocre safe". European welfare state provides mediocre medicine, while US job related health insurance usually provides much better.
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Replying to @MorlockP @jasogamol and
probably also worth noting my emergency fund at this point is substantially a fairly vast set of untapped credit (card) lines things would be tight if I suddenly lost my job because of fixed costs; and I really Really don't want to tap retirement funds source of some anxiety
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d̶e̶s̶e̶r̶t̶ New York Times lobby me too!
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