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401k Roth or traditional 401k?
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It's on average across each state, so that's the whole of New York state, not just NYC.
Good catch. Yea there are definitely some cheaper places (in comparison) in the lesser known cities in NY state
“Basic expenses” is the operative phrase here. Only in the last 10-15 years have people expected they could graduate and live downtown in their city alone in a luxury apartment. $22,000 a year is $1800 a month which in Missouri is definitely spending. You pay more than double average rent in your state, so to suggest that you wouldn’t be able to afford to live on these wages is missing a bigger picture. I’m 32, I live in Dallas in the city and my rent is $1380 which feels like too much. Housing costs in Missouri are 18% below national averages. I think many people on this app don’t recognize they’re living a 1% life. I grew up with not much and this type of take on how much you should be able to make / how much you should be able to spend on rent I find pretty wild. Basic expenses also doesn’t include bar tabs, international trips, a bimmer, and brunch on the weekends. Those are not basic they are extra lol.
There’s a big difference between San Francisco, CA and Bakersfield, CA
Outside of NYC, rent is must lower, especially upstate NY.
Must mean northern NY like Buffalo. NYC would be double to be considered working poor.
It’s for the whole state, including places that aren’t cities.
56k is the after tax reality. Before expenses like rent etc
I don’t think that’s the case! These numbers are before tax
This sounds spot on to me! My first year in NYC in 2020 I was making 50k and living with 1 roommate in a super shitty apartment but all my bills were paid and then some. I was able to save/invest around 650$ per month in addition to paying off $3k of student loans that year! It felt comfortable to me at the time and I had a lot of fun that year. Keep in mind I grew up in poverty so I was raised to keep track of every dollar and stick to a very strict budget, as most low-income people are used to doing - Im sure that helped me a ton😊