Thread 60829865

I earn this much and the wife is a stay at home baby factory.

I recently cashed out 400k in stocks to put down on a 900k house in the suburbs of DC. This is our budget breakdown

>$3900 mortgage
>$100 hoa fee
>$600 home maintenance, car maintenance
>$250 house cleaners once a month (deep clean)
>$1000 groceries
>$400 subscriptions (wife yoga, gym, netflix, cloud storage, youtube, etc)
>$300 insurance (car, life insurance, umbrella, etc)
>$200 household consumables and care products
>$500 utilities
>$100 tolls
>$1000 wife and I personal spending
>$1000 kid stuff (new clothes, toys, school supplies, after school programs)
>$800 date nights including babysitters
>$750 budgeting for an annual summer vacation
>$100 budgeting for replacement of phones, computers every couple years
>$1000 random spending not accounted for (buying new household gadgets, furniture, decorations, gifts for family members, etc)

So this is $12k in total and with 300k/year I'm left with about 6k leftover to put away in investments. But after I max the 401k and HSA, and my kids college savings, it goes down several thousand.

imagine having to live with the HOA

>>60829898
If you didn't have HOAs you would have 20 mexicans move in next door and blast reggaeton until 4am every night while leaving their riced out civics parked on the lawn

>>60829865 (OP)
>Waaah, waaah, how hard it is to have a problem entirely of my own creation.
LARP, anyway.

being grandfathered into an HOA neighborhood without ever joining it is peak comfy

>>60829935
The point is: to have a middle class life as a family, 300k a year doesn’t go far. Thank god we don’t need day care or else this will cost us another several thousand a month.

>>60829865 (OP)
Orlando. 1 wife and 1 kid. Wife lost her job last year so I am the only breadwinner now.

>$3400 rent
>$100 hoa fee
sold my house last year to buy 1 BTC

>$600 home maintenance, car maintenance
>$250 house cleaners once a month (deep clean)
nigga please, I clean.

>$1000 groceries
same
>$400 subscriptions (wife yoga, gym, netflix, cloud storage, youtube, etc)
same
>$300 insurance (car, life insurance, umbrella, etc)
same

>$200 household consumables and care products
same

>$500 utilities
same

>$100 tolls
we put it on the in-laws surpass account ahahaha

>$1000 wife and I personal spending
same

>$1000 kid stuff (new clothes, toys, school supplies, after school programs)
same

>$800 date nights including babysitters
date night? what is that

>$750 budgeting for an annual summer vacation
same, cruise ships
>$100 budgeting for replacement of phones, computers every couple years
same

>$1000 random spending not accounted for (buying new household gadgets, furniture, decorations, gifts for family members, etc)

same
If you're a single income household and you manage to stay on top of your bills that's the new successful person it seems!

>>60831037
The worst part is if we were dual 150k then expenses would be higher, since daycare. We’d be paycheck to paycheck

>>60829865 (OP)
cool larp bro

>>60829907
20 mexicans are not moving into a 900k house

>>60829865 (OP)
>Making 300k isn't that great if you spend like you make 400k

>>60829865 (OP)
Hey OP, I live in DC. Any tips on housing? We plan to buy relatively soon.

>>60831465
You have to buy outside the beltway unless you make insane money. 500k minimum, ideally 750k+

>>60829865 (OP)
>house cleaners
How do you tolerate letting brownoids infiltrate your house once a month and touch all your shit while you're not there? My house is a shitsty and if I could pay a bit of money and snap my fingers to make it all clean I gladly would, but the idea of letting strangers into my house to feel up all my belongings deeply disturbs me. Even if they were white, really.

>>60829865 (OP)
But also, it seems like you kind of have everything you could ever need. I'm also confused on what's annual and what's monthly. Are you spending $800 a month on restaurants? Or annually?

>>60831494
We planned to buy some $1m home in some up-and-coming neighborhood like Petworth and hope it becomes less ghetto over time. Our combined income will be around $350k.

>>60831494
Unsure why $750k+ is ideal, it seems like we would spend just as much as you living in DC. But would probably have a shittier home in a shittier neighborhood.

>/biz/ claims to be rich
>/biz/ sneeds at someone larping about an unremarkable $300k salary
really maeks u think

>>60831516
It’s all monthly, some annual expenses like vacations are broken down per month to make budget easier.
>>60831546
Because in the desirable areas inside the beltway houses start at the 1.5M-2M range so 500k is barely cutting it. 750k income will get you there. Sure you can find a few places for less than 1.5M and do it on 350k but there will be trade offs. I live and work outside the beltway so it works for me to live further out, which gives you a lot more decent options.

>>60831555
bizrealis are mostly NEET + autistic (or thirdies) who don’t have an impressive career and make their money speculating on fake internet coins

>>60829907
Why do they all listen to the same song over and over? For like 20 years, they've been blasting the same song, or else different people sing/rapping over the exact same beat.

>>60829865 (OP)
>humble brag
Fuck off, sex-haver.

>>60829865 (OP)
you should have bought a manufactured home until you had the liquidity to purchase a large house. the closing costs alone on a house that big has got to be 20k and then you have to include all the interest that accumulates over time.

>>60829865 (OP)
yeah p much
t also dc with ~330 tc and a 900k+ house
fucking property taxes amirite
get your wife to clean the house, biggest discretionary item there
also maybe tone down 9k/year in vacations

>>60831584
Hold up, you're both using $1k a month beyond everything else for personal spending? And this is separate from the $1k a month for random spending?

You bought basically the most expensive house you could afford for your salary and now youre crying about it

>>60831258
>We’d be paycheck to paycheck
This is all LARP, but in all seriousness, if you're living paycheck to paycheck on 300k, you must be the dumbest motherfucker on earth. Gigantic broods of blacks live on a fraction of that.

>>60831500
Get recommendations from friends, and work from home when they clean, that's what I do.

>subscriptions

Piracy is easy and Youtube is free on Android devices

>>60833512
>just live like niggers bro

>>60833607
That is not the message, you simpleton. My point is, if groids can budget their pittance to support a family of 5 gorillion, a non-mentally-impaired whitey should be able to support a family on what is objectively a large salary.

>>60829865 (OP)
>$600 home maintenance, car maintenance
>$1000 random spending not accounted for (buying new household gadgets, furniture, decorations, gifts for family members, etc)
>$1000 kid stuff
There's a lot of bullshit coming from you or you are some overspending faggot Labubu ass nigga

>>60829865 (OP)
Are you a glow nigger or something? That's a lot for a government salary unless you have security clearances. What's your clearance? Majestic?

genuinely cannot imagine having to raise a kid in this current economic climate of literal endless inflation, Idk how you ppl sleep at night my heart goes out to you

>>60831500
Mexicans are genetically predisposed to clean and tidy. I prefer subhumans cleaning my shit. How high of an IQ would you like your toilet scrubbers to have?

>>60835527
Here's what I mean. Share some top secret documents with us anon.

>>60829865 (OP)
You pay $400 for your wife to get fucked once or twice a week by her mystery meat yoga instructor?

>>60829865 (OP)
>having 400k just laying around

>>60835527
Come to DC. $300k is like 85 percentile and you get it through big law, lobbying or consulting. No government employee makes $300.

>>60829865 (OP)
I just admit OP, your post is a pretty good way to get unfiltered budget advice. I’m living the dream at $80k in Mormonland with a stay at home wife and a baby.

>$3900 mortgage
$2200 mortgage

>$100 hoa fee
Ditto

>$600 home maintenance, car maintenance
New build master race, I haven’t had any home problems. Car maintenance & insurance combined is $100/month.

>$250 house cleaners once a month (deep clean)
See above note about trad Mormon wife, $0/month.

>$1000 groceries
I understand that grocery prices vary wildly with area, but this seems excessive. I get by on $100/month.

>$400 subscriptions (wife yoga, gym, netflix, cloud storage, youtube, etc)
Paying for goyslop, anon? Also home gym master race.

>$300 insurance (car, life insurance, umbrella, etc)
Based umbrella insurance enjoyer. Car insurance for me is included above, and life is $30/mo.

>$200 household consumables and care products
$50/month.

>$500 utilities
$300

>$100 tolls
I don’t pay tolls, but I pay $60 for public transit since traffic is atrocious where I live.

>$1000 wife and I personal spending
My nigger in Christ, if you consoom $1000 per month you can’t complain about $300k not going far enough. You are the problem if you view this amount of spending as necessary for a middle class life.

>$1000 kid stuff (new clothes, toys, school supplies, after school programs)
Better this than consooming, but same problem.

>$800 date nights including babysitters
Literally how?

>$750 budgeting for an annual summer vacation
I’m not much of a vacationer, so I can’t comment here, but that seems excessive for someone complaining that $300k isn’t enough.

>$100 budgeting for replacement of phones, computers every couple years
Understandable.


>$1000 random spending not accounted for
Anon, I…

>>60831620
Or the particular strain of NEET/autism plus an asceticism that comes from not caring what other people think about you.

>>60836054
>$100/month.
~$25 a week? What do you eat, beans and rice? Does this include shit for the baby?

>>60829865 (OP)
You’re a materialistic status obsessed cuck.
Stupid retard probably thinks he’s “saving the white race” or some shit. And yeah I know you’re white because only white people do shit like this.

>>60836228
Beans, rice, seasonal produce, and cheap cuts of chicken and pork. The baby is breastfed, so that’s technically free.

>>60831555
Demoralization thread number 375,901, i wonder why people complain
Anyways its always the same with these larps, superfluous spending on retarded shit and bought too much house, its like people cant do simple maths anymore

>>60836339
>The baby is breastfed, so that’s technically free.
I meant more like nappies/diapers, muslin, etc.

move to Dubai and get a maid to look after the kids while you make tax free income. How retarded can you be to not do this

>DC
Stopped reading. If you really bought a house anywhere near there you're a retard and whatever problem you're complaining about is your own fault

>>60836416
Baby expenses were about $150/mo when she was brand new, but is slowing to about $60/mo now that she’s getting bigger.

>>60836446
>go to where jobs are
>nooooo you can’t do that! You need to stay in white trash alabamaville!

>>60829865 (OP)
I make $3000/mo in China and love a better quality of life than you

>>60829865 (OP)
>I recently cashed out 400k in stocks to put down on a 900k house in the suburbs of DC
Translated (From Niggerbabble):
>I make 300k
>I'm a fucking gorilla brained ape nigger who one shots my entire salary on payday
>I recently liquidated a FUCK TON of my assets during a bullrun to put a down payment on a house priced 900k (actual value 150k) at the PEAK of housing price speculation right before a 2008 style recession where the housing prices will totally collapse
>Because of my retarded FOMO poverty mindset decisions, I'm spending money paycheck to paycheck to make ends meet
>Why dont I have more money to invest?

KEEEEEEEEEEEEEEEEEEEEEEEEEEEEK
paycheck to paycheck wageslave.

Seriously though, were a short year off a 2008 style recession starting with a housing implosion and extreme asset melt-up.
DC properties are extremely high risk you will not be able to refinance if they lose value probably.
Living paycheck to paycheck is absolutely retarded and you will go back to feeling like you make less than half your salary next year.

>>60829865 (OP)
What's the ROI like on kids?

>>60831295
That is literally exactly what they do you retarded nigger. Go to Cali, 3 generations of a beaner or chink family all splitting the bills in million dollar homes.

>>60829865 (OP)
There's a lot of fat you could cut out of this budget, OP. You and the wife are buying a thousand bucks of random stuff a month? Cutting just that in half would free up 6k a year.

>>60829865 (OP)
If it wasn't that great you wouldn't be able to afford the lifestyle you just bitched about.

>>60829865 (OP)
Some of this shit is completely retarded.
>$250 house cleaners once a month (deep clean)
>$400 subscriptions (wife yoga, gym, netflix, cloud storage, youtube, etc)
>$1000 wife and I personal spending
>$1000 kid stuff (new clothes, toys, school supplies, after school programs)
>$800 date nights including babysitters
>$1000 random spending not accounted for (buying new household gadgets, furniture, decorations, gifts for family members, etc)
This is $4,450 a month, or $53,400 a year, on what is essentially discretionary "whatever I feel like" spending. Absolutely retarded. This doesn't even include your annual vacation, household consumables/care products, or iphone/computer replacement line items. I am married, have a kid, and live in a $2.5M 3300 sqft house, and probably spend half this much on these kinds of items per year, if not less.

>glownigger demoralization/data mining thread
>spook too lame to even come up with a better larp than his dream existence
>still get 50+ replies
we deserve better psyops

>>60829865 (OP)
yea its never enough.

i need like $2-$3m to get to the ideal living situation for my immediate family, plus my wife and in laws.

i only have like $420k in investments so far i can use as cash.

>>60829865 (OP)
>DC
>living in the most expensive yet also nigger infested shitwhole in the Americas
You should thank god the copper pipes havent been stolen
Your wife is undoubtedly a coalburner on top of it all

>>60838909
This guy scrubs his own toilet lmao

>>60829865 (OP)
Stupid consoooooooomer thread again.
>6k leftover is bad
>absurd list

Why, OP? Why live like this? You spend 12k a month? Why?

>>60829865 (OP)
just make more money duh