Average cost of health insurance: $388 per person per month
Average cost of heating: $150 per month
Gasoline, not even fucking on here: $50-200
Average rent in West Virginia, the cheapest state: $800
Oops thats an extra 788 to 938 dollars.
OOPS.
Hope your first, second, and third job don't try to schedule you at the same time lmao
And that $388 health insurance comes with a $6K deductible. Better not need any medical care!
Don’t worry! You company probably gives you $50 a month for your HSA!!!
I used to have a 12k deductible because Obamacare plans are literally not even risk-reward.
Like, there was not any advantage to a lower deductible - it was always more expensive, no matter how much care you needed. The lower deductible plans just made you pay money no matter what, and maxing both plans out was nearly exactly the same amount of money. Insane.
Now that I'm on employer-based health insurance, I actually save money if I spend more up front and end up needing care.
Your employer likely pays some of the premium too. I pay about $200 and my work covers $400(!!!) more per month. My co-pays are like $45, meds are $100+ a month still. I fucking hate health insurance.
Both of my jobs are located within walking distance from my home with I rent and requires no heat.
My boss lets me fill up jugs of water from the sink when I'm done so I can walk them home and use it for showers.
Run, don’t walk. Or else the water will get cold by the time you get home.
health insurance for $20 a month? try $2000
Heating: $0
is this a bit?
My insurance used to be $14 a month a few years ago, but a 7500 deductible and no HSA contribution from my employer. Just me on the plan. Lmao
Nearly every time the lib media does this they are talking about someone who lives with a roommate, or one half of a couple (sometimes where the couple even has a roommate) lmao
It's important to point out why "get a roommate" isn't just sound financial advice:
- On most leases, you're liable for the whole amount if your roommate bails/can't pay
- Finding roommates trustworthy enough to live with isn't always an option
- Needing a roommate further restricts your housing search, meaning you'll likely further compromise on stuff like how close you live to your workplace
You can do it, but it opens the door to a bunch of different types of risk that you accept in exchange for being able to scrape by.
Yeah, much better advice is this: inherit money, buy a duplex, and rent out the other half!!!!
Kind of like having a roommate but they are legally liable to pay you their half!!!!!
When you're working 80 hours a week, who even needs rents? Just sleep under your workspace.
I used to rent an ok place in Ohio (not a major city) for <$600, had a one bedroom to myself. I couldn't drink the water but otherwise I didn't have any issues. In a cheaper major city (certainly not NYC or SF) it's doable but you'll have roommates, not enough bathrooms, and possibly not enough bedrooms.
not enough bedrooms
haha, i guess we'll just have to snuggle, because capitalism says money is for rich people. grr those darn capitalists making me so angry, i never even wanted all this physical intimacy haha
uwu
preedit edit: thats actually awful tho. people living like sardines because all hail the money line
Everything i hear about the us sounds legitimately awful. Except the nature, that sounds cool.
it is, unironically, a caricature of itself.
any completely nonsensical excess of late stage capitalism you could imagine is without fail a feature-not-a-bug of the way the country is run. yet the realities of it are constantly evolving to be ever more grotesque.
it truly boggles the mind.
:amerikkka:
such a waste of a beautiful landscape tho, for real
It's realistic in some smaller cities, but even in those cities it's on the cheap side. Like in the place I'm thinking of, these cheaper apartments would commonly have roach infestations or the fire alarms wouldn't work, etc. $800/month could get you something reasonable though. The average rent in the US is over $1400 though.
I did the math- job #1 is 152 hrs/ wk at 7.25 ( just below full time!) and job #2 is 191 subscribers to your premium podcast at $5 a month.
This person's clothes are barrels with suspenders. They got em for free scrounging around for free food at the dump I guess.
Hey, don’t knock that fashion style if you haven’t tried it
In this one heating is $0 because you can just cuddle w/ ur homies to warm up 😏
Don't worry, you too can find a literal golden ticket to escape sharing the bed with your floppy sleeping cap-wearing relatives, witness a few child-murders, and like, blackmail an industrialist into giving you his candy factory, I dunno I hated that film.
Is this assuming you have 3 roommates with similar income and you live in a country with nationalized healthcare?
Lol true. Without heating tho you'll actually die, all while your home is destroyed from burst pipes
Here in Aus, it's so hot in summer that the plants die in direct sun. It gets so hot that it's deadly. At least when it's cold you can layer your clothes. It's much harder to cool down than to heat up, trust me. AC is way more expensive then heating and if you have to install one then it's even more expensive.
Trust me, as someone that's lived in both hot and cold countries, I'll take the cold any day.
Good points. I have never been to australia, although I really want to go, so I don't know what it's like there in the heat. The hottest place I have ever been is florida and I 100% agree, I'd take the cold over heat any day.
I agree the heat is deadly. The difference is that people have lived in australia for thousands of years without AC. Literally no one has ever lived in the north without artificial heat, even if it was just open fires.
Literally no one has ever lived in the north without artificial heat, even if it was just open fires.
Good point. lol.
Amen. You can always put more clothes on, but legality and realism both say you can only take so many off.
I’m paying $250 a month in car payments, with $200 in insurance. I’ve never had an accident.
I like that they have zero for "other income." they aren't unreasonable, after all. Not everyone has a trust fund
You guys are a bunch of lazy commies. Look how easy this budget is to follow. Just don't eat!
The median sale price for existing homes increased to $295,300 in June 2020 $600/month will pay for a $126,900 mortgage. There are only 2 states with an average home cost below that, Mississippi and West Virginia
edit: Bonus - The highest average home price is Hawaii at $646,733
