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here's free advice for these middle class people: switch to public schools and move your toddler to a less chi-chi daycare. boom, i just saved you about four grand a month, or way more than the average US individual income. And you get to keep paying your $8800 house payment!
I know, I know, sending your kids tp *public school* doesn't feel *rich* enough. But on the other hand, fuck you.
If I suddenly had an extra $4000 a month, to spend on whatever I liked because all my other present and future needs were already covered, I'd feel pretty damn rich, thank you very much.
Here's the thing: the vast majority of their outlay is overspending on things where the "value" is in feeling like you're upper class: house, school, etc. They could cut back on those and have more money to spend on actually living it up if they wanted.https://twitter.com/ottensam/status/1313654602034802690?s=19 …
And yeah, parents, I GET IT, childcare is EXPENSIVE. But I couldn't care less about a family who follows this budget complaining about the price of daycare when the vast majority of working families making far less ALSO face those costs.
If you think your local public schools are so awful that you wouldn't send your kids there, first you've got to ask yourself if you mean too poor and too not-white, and then you've got to take action to improve your public schools so you're not maintaining inequality.
Ok, you made me laugh out loud at this.
Imagine being able to pull together a $400,000.00 down payment.
my house cost 12% of theirs, and I've got more bathrooms.
The monthly income of this "upper middle class person" is more than I have ever made in a year.
For real. I make like $6000 more than their 401k contribution. And so much of this budget is discretionary or non-recurring spending. And even in the essential, recurring category, you could optimize (cook at home more to cut that food bill).
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