For a mere $66 per day you can provide food for rich families living in metropolitan areas. That's less than some of you hogs spend on Patreon and onlyfans.
The way this acts like getting a new expensive enormous luxury suv is somehow being thrifty is hilarious. And how tf do you spend that much on food every day if you don't eat out daily?
Nothing "regular" about that much food delivery. Then again as a delivery guy, I've also dealt with some very working class folks that ordered like 4 times a week.
Guess it's a bit different when you're getting the cheapest thing on the menu and tipping $2.
Toyotas used to be good like 20 years ago. They have followed most of the rest of the industry in adopting the transmission killswitch method of limiting their vehicles lifespan, although they are taking longer to transition to it.
Technology has advanced enough that they can make transmissions last 80-100k without any maintenance. So they don't support maintaince procedures anymore. Transmissions no longer have any maintenance schedules listed in the manual, they no longer have dipsticks or drain ports. Just a fill port they use to add the fluid at the factory, which isn't intended to be used for servicing.
As a result, these new transmissions break down at around 120-150k. The expected maintaince procedure is to just buy a new one when it breaks. Which is even more expensive than normal because of these new technologies. On top of that, modern transmissions often literally lack interchangable parts because you aren't expected to repair them, just buy a whole new transmission if they break. The parts in different units only fit right in the unit they came with, and have to be matched from transmission to transmission.
Not all vehicles and not all manufacturers have moved to this yet, but nearly all of them are headed that way.
So what do I buy if I want something that is repairable?
I’ve never had a car but life keeps making it apparent that I need one.
A lot of new safety regulations kicked in in 2004, so the vast majority of cars not designed to break had 2003 as their last model year. Unfortunately cars that old need more maintaince because they are old, but also they are designed to be fixed.
The only company making new cars I have any faith in at all is Mazda. They are small and ran by people who actually like cars, so they don't do dumb stuff like make the ac controlled by a touchscreen, or tune the suspension to terminally understeer, or design in a delay on the throttle to cheat fuel economy tests.
Anything used and not basically still new, you have to go model by model. If there isn't an active enthusiast forum full of people who aren't obsessed with that car specifically, it's probably trash.
I got 298k miles out of a 92 camry with maybe 3 oil changes a year. Better than I deserved since I did basically fuck all to keep it running.
Only $3 a month in spending money is a hard deal for a 401k, a car, daycare, healthcare, life insurance, three vacations, regular takeout, and a 2 million dollar house in a major metropolitan area.
This is so weird, I spent all my money on things I want and now I have no money left to spend?!?!
Many of my clothes are older than the users here.
I'll read something about how someone was in grade school or pre-k when some important event happened, and I'll think "they were born around the time I bought these pants."
I unfortunately can’t make anything last that long. I’ll buy a new pair of jeans and eight months later the knees or crotch is blown out.
I do wear them every day for that entire length of time, though, which I’m sure contributes to their early demise. If I wore them once a week or every other week they’d last years, probably.
I've had a pair of $40 shoes for a year now and don't plan on throwing them out anytime soon, literally like $3 a month shoes I fucking hate rich people
I don't toss em until the soles fall off. Usually get about 2 years out of a pair of new balance (I deliver pizza, so they're dealing with kitchen duty as well as God knows what on the way to the door).
Daycare $37k
Preschool $26k
Massachusetts has one of the/the most expensive childcare systems, and the average payment is $35k for TWO children. These guys paying double for two different aged kids are getting ripped off.
Baby and toddler items (crib, stroller, playpen, diapers) - $2.4k
So these two children are simultaneously newborns who both need new cribs, strollers, and playpens, but they're at daycare 11 hours of the day, and in preschool for 9 hours? Hmmm.
I just had a baby - spent maybe $1,000 on cribs/strollers/playpens/etc., without getting the cheapest things (and overspending because some stuff didn't end up being used). All this stuff you can reuse for the next child - it's a one time expense.
Diapers you can easily drop over $100 a month on, though you can save with cloth diapers. Baby food is actually quite cheap - they only need a tiny amount. (Unless you buy overpriced overmarketed shit.) Formula might run you another $100 a month (if you need it, while you need it) - but that's it for an ongoing budget for baby items and baby food. And these costs shrink to 0 after they get potty trained and eat adult food.
529 plan $18k
So they're essentially setting aside $400k for two kids' education - their kids will have zero student loans at the most expensive college. And once their parents croak they get the life insurance payouts. Savings like that should really be in a different category - these people are accumulating capital, not living paycheck to paycheck.
$1.6m house mortgage $7k
That's another enormous capital investment. That house will likely be worth $4m in 30 years.
They just controlled for the lowest possible value in the "un-budgeted" category and acted like that's where the profits go.
Life insurance can also be a capital investment as well.
How do the insurance payouts work? They're paying $120 and $40 a month into those. Does that mean the kids get $2M when the parents die?
Depends on the policy. The ones I've heard about pay out significantly more than a savings account would. The catch is you have to die for it to pay out AND the insurance company interviews you and makes a bet on how good a policy they'll give you depending on your typical demographic's life expectancy. I'm also sure if you fail to pay the monthly fee you might lose the benefits.
HOW CAN THEY USE THIS SHIT TO SAY $400k ISN'T ENOUGH, AND TURN AROUND AND SAY $30k IS ENOUGH??????
“30k would be plenty if you just lived
WITHIN YOUR MEANSalone in a $200/mo. apartment with no children and no retirement plan and ate lentils for every meal”
Really? You're saying out of 100 Americans, 5 are making more than 400k/yr? That's crazy to me.
food for four $24k
This isn't normal, I'm a grown man and don't spend anywhere near $6k on annual food. And no I'm not even a lentils and rice vegan.
people like that are built for bayonets, even if you want to eat meat for every single fucking meal you could at least do pork chicken sardines etc
New life goal, get rich, spend 24k/year on enough rice and lentils so that I could swim in it like Scrooge McDuck. >=)
someone who is good at the economy please help me budget this. my family is dying
This is the middle class that Biden is trying to appeal to.
Wait, what? You can't afford any of this? Well fuck you for being poor! That's literally the message with this kind of stuff.
