My relatives make 20k a year, and live better lifestyles than me making 100k

[Aden]

See, I should not have even brought up the charity thing. 1.) As a born-again Christian I believe that I am under no commandment to tithe 10%. Instead, I am to cheerfully give whatever I like from my heart. 2.) I am not going to stop giving to church and charity so that I can buy a laptop.

 

[Seraphim]

Don't you think if you chose not to give to charity you'd be able to afford a laptop for yourself?
So you make choices, there is no reason you are getting less than the families making $20,000 a year. Even with all the benefits. I've heard these stories before, nothing is stopping you from taking a pay cut if you are so confident you can qualify for handouts and save money, be better off.

Resident troll strikes again. Lol.

 

[onlyrp]

No offense, but even without knowing you, I can already state that I live with less than you. I do not own a TV or pay for cable, you probably have both; I do not have Internet service in my house, you probably do; I have eaten out twice since September (this includes fast food, or something as simple as a burrito from a gas station), you surely have eaten out more than that this month alone;

If I do eat out, I bet it's cheaper than Whole Foods, organics. I also don't have cable, I have internet and cell phone, but I am well aware it's a choice I make and don't complain about it. Don't feel bad speaking out for what it is, I'm not.

we do not use or pay for cell phones, you do; we have not gone to a movie theater, concert or sporting event in over five years, you have; we have not been on vacation (one that we did not even pay for, I might add) since 2008,

I do none of the above, except cellphone.

you have; our $10 bed is from Craigslist and EVERY other piece of furniture was free from friends, family or Freecycle, you surely have some new furniture; this is the first winter we have paid to heat our house above 55 degrees, I know that your house has been warmer.

Sounds a lot like me. So I am not seeing how you can't save up 50% of your gross income, that is, $50,000 a year.
So either I'm about to see you spend money on other things, or you are complaining that you can't save all of your $100K a year, as if the families making $20,000 a year can save even $5,000 a year.

We want her to be a stay at home mom, but we made the mistake of taking out student loans for college. To pay well over $2k a month in student loans requires us to find good paying jobs; having good paying jobs means that over 30% of our income goes to taxes.

How much loan total do you have? Why can't you pay off $30,000 a year? You MAKE $80K a year and don't seem to be spending much else.

If you believe you live more simply than me, and it saves you money, tell me where so that I can adopt it and save more money myself.

I don't have student loans, I don't eat organic. But you don't have cellphone, so that evens out for eating costs. I don't have kids, I made the decision since high school that kids are a money toilet. I also buy clothes at discount or used. I live on less than $1500 a month. My salary isnt stable, but I always manage to save money. I am still not seeing how you can be worse off than somebody making $20,000.

 

[dmo069]

We also give at least 10% to church, charity, etc.

There is your problem!!! Use that money to pay off your Debt!!!

 

[onlyrp]

See, I should not have even brought up the charity thing. 1.) As a born-again Christian I believe that I am under no commandment to tithe 10%. Instead, I am to cheerfully give whatever I like from my heart. 2.) I am not going to stop giving to church and charity so that I can buy a laptop.

You are complaining you can't have something somebody else has, that's not cheerful at all. Make up your mind.

 

[onlyrp]

Dude, read my first post. I just did my taxes this week and 28% of our income went to taxes last year. If we only want to be slaves to student loans for 10 years, instead of 15, 20 or 25, then WELL OVER 20% of our income goes to student loans. So, assuming that we were lucky enough to make 100k for 2012, after taxes and student loans we loose over 50k right off the bat.

That is a good choice to make, get out of debt, then you can start saving some money, I'll dig for a post where you talk about whether you put away money for savings each year, sounds like you can easily save $50K a year, but you probably dont due to charity and other priorities.

 

[onlyrp]

Based on the numbers provided, taxes and student loads are $40-50k. This leaves $35k to $50k to live off (the initial income base is $85 to $100k). I'll assume housing takes $24k, and that leaves $11k to $26k. They mention healthcare costs ("Whereas I have to pay my own medical bills..."). $10k? $1k to $16k left without getting any food on the table.

The point is that they are not sponges but are supporting with taxes those who are.

do you think the family who makes $20,000 a year gets to live in a $24k house and still have money after they eat (I'll generously assume they eat free from food stamps even)?

 

[onlyrp]

Unfortunately, I've had feelings of bitterness creep up on me lately.

I know it's my own fault, for taking out student loans before I realized what a sham they are. I just needed to vent.

Doesn't sound like cheerful giving to charity. Did you deduct for charity donations? I hope you did.

 

[Seraphim]

"easily" 50k a year? You flunked math didn't you?

They lose nearly that in taxes and rent alone.

That is a good choice to make, get out of debt, then you can start saving some money, I'll dig for a post where you talk about whether you put away money for savings each year, sounds like you can easily save $50K a year, but you probably dont due to charity and other priorities.

 

[AceNZ]

I put 85-100 because one of us is on commission. Housing is only 12k because we rent an apartment within walking and biking distance to work. I don't feel comfortable talking about this, but we also give at least 10% to church, charity, etc.

Exactly. I hate to come on here and complain, I just had to vent to somewhere. Unfortunately, I've had feelings of bitterness creep up on me lately. This is because I sit around and hear people nonchalantly mention that medicaid is paying for them to have a kid, or that they are "getting back" a tax refund that is 5 - 10 times more than they paid in. I see them sponging off the system while simultaneously sporting new ipones, ipads, LCD TVs, and a bunch of other crap that we could not afford, even if we wanted them. So the bitterness creeps up because government steals from me to give to them, which enables them to live better lifestyles than me.

I know it's my own fault, for taking out student loans before I realized what a sham they are. I just needed to vent.

Perhaps the reason you're not comfortable talking about your donations is because there's a bit of a contradiction here.

If you feel a moral obligation to give to others, consider the fact that government is forcibly doing it for you -- so you're donating twice. Personally, I like to make donations to charity, but only when it doesn't harm me or my family--which includes having a noticeable effect on our lifestyle.

Since it bothers you to see others sponging off of the system and living better than you, then why not "donate" to yourself instead?

 

[Seraphim]

This.

Perhaps the reason you're not comfortable talking about your donations is because there's a bit of a contradiction here.

If you feel a moral obligation to give to others, consider the fact that government is forcibly doing it for you -- so you're donating twice. Personally, I like to make donations to charity, but only when it doesn't harm me or my family--which includes having a noticeable effect on our lifestyle.

Since it bothers you to see others sponging off of the system and living better than you, then why not "donate" to yourself instead?

 

[onlyrp]

"easily" 50k a year? You flunked math didn't you?

They lose nearly that in taxes and rent alone.

Taxes is 28% and rent is 12k.
If 40K is nearly 50k, then yeah.

 

[Austrian Econ Disciple]

We've been subsidizing the dumbest in society to procreate in greater proportions than the more innovative, productive, and better ethical folk for a while now. It's like a cascading effect. Generation after Generation we become dumber (as evidenced by any standard that bears educational performance) and more Statist. These folks generally attach themselves like leeches through the State on the backs of the productive. We are the Renaissance. This mass thievery by the Corporate and less-productive interests needs to end. It will destroy Civilization as evidenced in Greece, Spain, Portugal, and soon to the US.

 

[onlyrp]

Perhaps the reason you're not comfortable talking about your donations is because there's a bit of a contradiction here.

I agree, contradiction, he wants to complain others have it better than him, knowing he has something they don't : CHOICES. He can donate to charity for deductions, or he can take a pay cut, poor people can't make these choices. He claims he "cheerfully" donates, but he's obviously unhappy about what he can't have.

 

[Seraphim]

He said their income is 85-100k. NOT 100K flat.

Taxes is 28% and rent is 12k.
If 40K is nearly 50k, then yeah.

 

[NCGOPer_for_Paul]

Sounds like you don't have any deductions. Are you taking the 10% you're giving the church as a tax deduction? Plus, renting at your income level is KILLING your bottom line, especially living in Central Kentucky. I'm sure your rent is no more than $800-900/month. That's probably more than you'd be paying into a mortgage, and you'd be able to deduct about 70% of that. Of course, that doesn't mean you ought to go out and buy a house immediately.

Still, the math just doesn't add up, unless you're dropping $400 a week at Whole Foods.

That being said, completely agree with the premise of your rant in the original post.

 

[onlyrp]

He said their income is 85-100k. NOT 100K flat.

I was working with 100k.
Ok, so let's say 80k worst case as gross income.
12k rent
24k taxes
That's 36 taken out, 44 left. I take that back. This doesn't help you at all, now you have to tell me 36 is "nearly" 50. Suit yourself.

 

[mosquitobite]

I applaude the OP for sticking with tithing. God will bless you and don't listen to these guys!

If you haven't done Dave Ramsey's program I highly suggest it.

My husband and I made over $130k together before I quit to stay home with my kids. We now get by on less than half. It's because we live debt free. Think about how this country is slaves to the fed. Same thing with everyday debt. Avoid it at ALLLLL costs!

 

[onlyrp]

Sounds like you don't have any deductions. Are you taking the 10% you're giving the church as a tax deduction? Plus, renting at your income level is KILLING your bottom line, especially living in Central Kentucky. I'm sure your rent is no more than $800-900/month. That's probably more than you'd be paying into a mortgage, and you'd be able to deduct about 70% of that. Of course, that doesn't mean you ought to go out and buy a house immediately.

Still, the math just doesn't add up, unless you're dropping $400 a week at Whole Foods.

That being said, completely agree with the premise of your rant in the original post.

Yeah, I'd love to know. Again, if he admires the lifestyle that people making $20,000 have, he is free to make a pay cut, I'm sure he'll enjoy reaping the benefits he sees people have.

 

[Maximus]

Sounds like you don't have any deductions. Are you taking the 10% you're giving the church as a tax deduction? Plus, renting at your income level is KILLING your bottom line, especially living in Central Kentucky. I'm sure your rent is no more than $800-900/month. That's probably more than you'd be paying into a mortgage, and you'd be able to deduct about 70% of that. Of course, that doesn't mean you ought to go out and buy a house immediately.

Still, the math just doesn't add up, unless you're dropping $400 a week at Whole Foods.

That being said, completely agree with the premise of your rant in the original post.

I'm kind of curious about his deductions too, you can deduct medical bills, Church donations, etc. If more than 10% is going to Church/charities... he should be well over the standard deduction.