This has nothing to do with what your dream household income is
there's nothing wrong with having a standard of living, but I consider private school kind of a luxury
what do you think is a stable number just to raise a child and cover all of the family's essentials (meaning leave out "and have a nice car, nice house, go on vacations etc.)

Poll result (15 votes) $60-80K (1 votes) Vote more than that (9 votes) Vote less than that (5 votes) Vote

not joking.

and I'm saying this as someone who is staring potential parenthood in the face.

I know you can do it on way way less but I'm fear driven.

***********************************************************
https://soundcloud.com/swageyph/yph-die-with-me

a former co-worker of mine said it was cheaper for his wife to quit her job than to pay for child care. I can't even imagine.

___________

Back again for the first time.

I have heard of cases where someone pays $200 to $300 per week for a newborn up to 2 years old or potty trained (whichever comes last). That's $800 to $1200 per month without including food, diapers, etc.

___________

Back again for the first time.

we peaked at over $34,000 in day care & aftercare for the year... and that's with the oldest in public elementary school and only needing partial day aftercare.

-------
so I'm in a band now:
album ---> http://greenwoodburns.bandcamp.com/releases
Soundcloud ---> http://soundcloud.com/greenwood-burns

my own stuff -->http://soundcloud.com/lonesomedstringband

avy by buckshot_defunct

>we peaked at over $34,000 in day care & aftercare for the
>year... and that's with the oldest in public elementary school
>and only needing partial day aftercare.

Wow.

___________

Back again for the first time.

****************
TBH the fact that you're even a mod here fits squarely within Jag's narrative of OK-sanctioned aggression, bullying, and toxicity. *shrug*

Them shits are almost as common as Storefront churches.

___________

Back again for the first time.

way cheaper than non-hood areas. that doesn't its not still expensive.

when we were looking for daycare, buckhead was 200-250 a week. In my neighborhood, it was like $125.

Y'all buy those labels, I was born supreme

I mean, my mom did it when I was a kid, but it was my buddy's grandmother. Not a stranger. Not these days, man.

I'm sure they have to be certified and whatnot, but those day cares that are at somebody's crib as opposed to a facility? HAYELL naw.

___________

Back again for the first time.

And they are not as clean as the more expensive "prestigious" daycare on average.

Generally, the higher end day care will have had child psychologists and educators come up with an age-appropriate curriculum which is in line with the child's learning ability.

and a house full of screaming toddlers. It serves a purpose, I'm sure, but yeah. There's probably nothing educational aside from the trip to the bread factory once a year.

___________

Back again for the first time.

that's why you ask questions tho. if they don't provide what you need, peace. but

all hood shops aren't that way. we used an at home place. our kids were doing colors, shapes, numbers, animals, reading, etc. field trips and everything. even had an animal or two to learn about.

Y'all buy those labels, I was born supreme

>that's why you ask questions tho. if they don't provide what
>you need, peace. but
>
>all hood shops aren't that way. we used an at home place. our
>kids were doing colors, shapes, numbers, animals, reading,
>etc. field trips and everything. even had an animal or two to
>learn about.


There is a cost for all of that.
How much did your daycare pay the staff?
How much were you paying in tuition?
How many kids per class (in Texas the state regulates this)?
How old were your kids when they were introduced to shapes, numbers and colors?
Field trips?
Where to?
Those are expensive and come with different levels of insurance liability.

>How much did your daycare pay the staff?

no idea.

>How much were you paying in tuition?

$125 per week. my kids are 5 years apart, so it they're weren't there together.
>How many kids per class (in Texas the state regulates this)?

at most, maybe 7-8
>How old were your kids when they were introduced to shapes,
>numbers and colors?

2-3. they both went to free pre-k afterwards
>Field trips?

yup
>Where to?

petting zoos, children's museum, aquarium, water parks

>Those are expensive and come with different levels of
>insurance liability.
>
>
agreed. I think we lucked out on finding the right situation.

Y'all buy those labels, I was born supreme

>
>>How much did your daycare pay the staff?
>
>no idea.
>
>>How much were you paying in tuition?
>
>$125 per week. my kids are 5 years apart, so it they're
>weren't there together.
>>How many kids per class (in Texas the state regulates this)?
>
>at most, maybe 7-8



I ask this because we all want the least expensive daycare but don't realize the ramifications on the other end.
Example, you paid $125 per week for your child
There were 8 kids in the class
That's $1,000 per week a GROSS to the school
Now out of that has to come building rent/mortgage, insurances, food for kids, all those luxurious field trips your kids go on, all those educational toys/supplies being used

How much of that $1,000 per week is left to pay (hopefully) two staff members in your 2 year old's class?

Maybe $200 per week per employee?
So $800 per month your kid's teachers are being paid.
Is that fair?
Liveable?
What weekly amount would be "liveable" in your area?

in that sense.

>I ask this because we all want the least expensive daycare but
>don't realize the ramifications on the other end.
>Example, you paid $125 per week for your child
>There were 8 kids in the class
>That's $1,000 per week a GROSS to the school
>Now out of that has to come building rent/mortgage,
>insurances, food for kids, all those luxurious field trips
>your kids go on, all those educational toys/supplies being
>used
>
>How much of that $1,000 per week is left to pay (hopefully)
>two staff members in your 2 year old's class?
>
>Maybe $200 per week per employee?
>So $800 per month your kid's teachers are being paid.
>Is that fair?
>Liveable?
>What weekly amount would be "liveable" in your area?

I can't really answer any of these as I would have no way of knowing what income or payroll information for the individuals involved. I can only assume that those involved were good with the situation.

these are not top of mind considerations for me when trying to take care of my household. for us, what really mattered was the cost and the service. we were cool with both, so we went with it.

Y'all buy those labels, I was born supreme

time with them than you do?

My wife tried to work part time 3 days a week and today is her last day.

It's crazy. You pay $1200 for someone to half watch your kid in a room filled with 8 to 15 other kids.

Fuck that. My wife stays home during the day, works a few hours at night and I feel so much better.

****************
TBH the fact that you're even a mod here fits squarely within Jag's narrative of OK-sanctioned aggression, bullying, and toxicity. *shrug*

>My wife tried to work part time 3 days a week and today is her
>last day.
>
>It's crazy. You pay $1200 for someone to half watch your kid
>in a room filled with 8 to 15 other kids.


exactly. And it ain't NO telling what they're learning ( on un-learning ) around all those outside influences.


>
>Fuck that. My wife stays home during the day, works a few
>hours at night and I feel so much better.
>
>

I'm sure your kids are better off as a result too.

___________

Back again for the first time.

sure, we are taking a hit financially right now but it's only for 4 years. I didn't have kids so some stranger could raise them.

Money is important but not THAT important. If my wife got her dream gig tomorrow I would stay home with the kids. No way I'm letting some stranger spend 8 hours a day during the most impressionable years of their lives because we need to keep up with the joneses

****************
TBH the fact that you're even a mod here fits squarely within Jag's narrative of OK-sanctioned aggression, bullying, and toxicity. *shrug*

>
>Money is important but not THAT important. If my wife got her
>dream gig tomorrow I would stay home with the kids. No way I'm
>letting some stranger spend 8 hours a day during the most
>impressionable years of their lives because we need to keep up
>with the joneses

___________

Back again for the first time.

It made sense for multiple reasons and they're happier for it. Somehow they still eat and stuff.

---
"People that need positivity around them all the time are weak individuals in my book" - @lilduval

>Somehow they still eat and stuff.

right?

___________

Back again for the first time.

the fuck you need 300K to raise a kid for?

gotdamn this country is fucked up.

****************
TBH the fact that you're even a mod here fits squarely within Jag's narrative of OK-sanctioned aggression, bullying, and toxicity. *shrug*

300k lol

_______________________________________

That's Ferrari money.

___________

Back again for the first time.

300k is doing good

its not poor by a long shot

but its not rich.

take home is roughly 210k which again is good but its not buying a ferrari.

Maaaaaaaybe a decent Audi.

***********************************************************
https://soundcloud.com/swageyph/yph-die-with-me

How about a really nice used Porsche?

___________

Back again for the first time.

***********************************************************
https://soundcloud.com/swageyph/yph-die-with-me

yall niggas man...

that's 210K EVERY YEAR!!!

if you don't feel rich making $210K a year it's because you bought into the bullshit.

****************
TBH the fact that you're even a mod here fits squarely within Jag's narrative of OK-sanctioned aggression, bullying, and toxicity. *shrug*

I don't know WHERE these cats grew up, but If I'm making 200K a year, I'm STRAIGHT...

___________

Back again for the first time.

and even if you make 210 (post taxes)

where are you going to live where you make that?

Most likely in a major city where there are jobs that would pay such a sum.

So, 210k in a major city is good shit but its not popping bottles in the club. Its just a few steps above everyone else.

***********************************************************
https://soundcloud.com/swageyph/yph-die-with-me

>and even if you make 210 (post taxes)
>
>where are you going to live where you make that?
>
>Most likely in a major city where there are jobs that would
>pay such a sum.
>
>So, 210k in a major city is good shit but its not popping
>bottles in the club. Its just a few steps above everyone else.
>
>

How much do you think normal people get paid? The median income in NYC was $50,000. You're talking about 6 times that!! Cmon man.

_______________________________________

>>
>
>How much do you think normal people get paid? The median
>income in NYC was $50,000. You're talking about 6 times that!!
>Cmon man.
>


In Chicago it's around 60k for professionals, depending on the field.

___________

Back again for the first time.

>>and even if you make 210 (post taxes)
>>
>>where are you going to live where you make that?
>>
>>Most likely in a major city where there are jobs that would
>>pay such a sum.
>>
>>So, 210k in a major city is good shit but its not popping
>>bottles in the club. Its just a few steps above everyone
>else.
>>
>>
>
>How much do you think normal people get paid? The median
>income in NYC was $50,000. You're talking about 6 times that!!
>Cmon man.
>

My point is that 300k although good and actually very comfortable does not mean one is no longer close to losing everything or that far removed from harm.

***********************************************************
https://soundcloud.com/swageyph/yph-die-with-me

buy too much house? sure...

too much car? sure...

those $600 wack as shoes OKP's be linking up? sure...

but if you live like a normal human being you aren't close to losing anything when you make 210K after taxes.

****************
TBH the fact that you're even a mod here fits squarely within Jag's narrative of OK-sanctioned aggression, bullying, and toxicity. *shrug*

Out of touch with reality. Worried about completely different things like IRAs, 401ks, travel, vacations, etc

300k is just doing okay? Michigan, Wisconsin, and PA beg to differ. That's like 10 years worth of pay.

_______________________________________

I knew she was out of touch with reality when she said that shit.

OKP once said a million dollars isn't enough to quit and do something you love.

Out of touch.

unless you trying to stunt it's more than enough. Folk just wasteful and ignant when it comes to money.

****************
TBH the fact that you're even a mod here fits squarely within Jag's narrative of OK-sanctioned aggression, bullying, and toxicity. *shrug*

Like, the literal definition?

401k and IRA elite?

I mean...I get it but I dont

WHO IN THE FUCK WILL TAKE CARE OF YOU WHEN YOU ARE OLD AND UNABLE TO WORK?

what is this banking on the now shit that we're on?

see,

I'm seeing 300k not as an item of spending it all

I'm seeing it as a vehicle to secure yourself while also spending


Shit. Happens.

Thats where my head is.

***********************************************************
https://soundcloud.com/swageyph/yph-die-with-me

I think something like 1/3 of working adults have $0 in retirement savings. More than half have less than $5000.

_______________________________________

***********************************************************
https://soundcloud.com/swageyph/yph-die-with-me

so I get thinking about the future...

but I ain't scared of that bitch to the point I won't enjoy living

****************
TBH the fact that you're even a mod here fits squarely within Jag's narrative of OK-sanctioned aggression, bullying, and toxicity. *shrug*

>but if you live like a normal human being you aren't close to
>losing anything when you make 210K after taxes.
>
>


Seriously. As much as I like to waste money on stupid shit, I'd STILL have over 100k left over.

___________

Back again for the first time.

I would have to travel in insane circles and burn money to do that shit.

you have to say yes to every business idea that comes across your path for that shit.

travel every other weekend.

have a second home and 5 car payments.

thing is.. with $210K you can aggressively pay off most shit in a year and still live good.

****************
TBH the fact that you're even a mod here fits squarely within Jag's narrative of OK-sanctioned aggression, bullying, and toxicity. *shrug*

There's only so many records and shit I can buy. I'd be bored with that in less than a month. Still sittin on WELL over 150k.

Maybe a REALLY nice trip or something. But just randomly flying through 210k? that would be REALLY hard for me to do on a day to day basis.

___________

Back again for the first time.

from the outside you say "I would never be able to spend that much money..."

until you have that much money

its a common problem to have money literally leaking out of every hole.

More money simply magnifies problematic areas

if you love to spend money on records then that will be your area. What happens once you buy every record you would ever want?

Well then you would buy crazy rare shit like that 180 gram Japan only pressing of that one song you already have.

Then you would realize that yoru turntable although great really doesnt transmit sound the way you REALLY want it to sound so then you up the ante and buy some crazy hand made German turntable powered by steam

Well then before you know it you have to store your vinyl in other places because you went from owning 300 records to 3000 and eventually 30000 so now you have to either move to a bigger place or pay for storage (like Q-tip and his lost record collection)

it goes on and on....

***********************************************************
https://soundcloud.com/swageyph/yph-die-with-me

>if you love to spend money on records then that will be your
>area. What happens once you buy every record you would ever
>want?

Sure. but I know the *value* of those records, so I still wouldn't overspend. I've put back rare joints knowing they were overpriced. That wouldn't change.


>
>Well then you would buy crazy rare shit like that 180 gram
>Japan only pressing of that one song you already have.


Ennh. That shit doesn't impress me.


>
>Then you would realize that yoru turntable although great
>really doesnt transmit sound the way you REALLY want it to
>sound so then you up the ante and buy some crazy hand made
>German turntable powered by steam


Nah, I'm a DJ, so I play mine. a regular ol set of Technics is fine. I might get those gold DMC joints, but still that won't hit me too hard.

>
>Well then before you know it you have to store your vinyl in
>other places because you went from owning 300 records to 3000
>and eventually 30000 so now you have to either move to a
>bigger place or pay for storage (like Q-tip and his lost
>record collection)


Well, the FIRST thing I'd do it buy a new house with all my shit in mind, so that would've happened anyway.

___________

Back again for the first time.

And I know a lot of people who fall into that category. And it's easy to do because they trying to send their kids to the same schools and live in the same neighborhoods as the people making 5M.

But I think it's disrespectful to all the people who don't earn anything like that to actually say that they are broke or argue that they aren't well off.





>from the outside you say "I would never be able to spend that
>much money..."
>
>until you have that much money
>
>its a common problem to have money literally leaking out of
>every hole.
>
>More money simply magnifies problematic areas
>
>if you love to spend money on records then that will be your
>area. What happens once you buy every record you would ever
>want?
>
>Well then you would buy crazy rare shit like that 180 gram
>Japan only pressing of that one song you already have.
>
>Then you would realize that yoru turntable although great
>really doesnt transmit sound the way you REALLY want it to
>sound so then you up the ante and buy some crazy hand made
>German turntable powered by steam
>
>Well then before you know it you have to store your vinyl in
>other places because you went from owning 300 records to 3000
>and eventually 30000 so now you have to either move to a
>bigger place or pay for storage (like Q-tip and his lost
>record collection)
>
>it goes on and on....


**********
"Everyone has a plan until you punch them in the face. Then they don't have a plan anymore." (c) Mike Tyson

"what's a leader if he isn't reluctant"

210K is a fucking 10 story building above everyone else. i've never made more than 50K in my life, and i know plenty of folk making 30K or less.

************************************************************

fine.. so you are in the 5%.

and if you poppin bottles while you have kids you have a spending problem.

we were about to go into a reggae club for date night on some "out all night" they said $20 and my wife was like "shhhit, that formula fam, we out"

you can live like a king in most cities not named LA, DC and NYC... and even in those cities you can live a good life.

****************
TBH the fact that you're even a mod here fits squarely within Jag's narrative of OK-sanctioned aggression, bullying, and toxicity. *shrug*

Rich is


if you can count your money you are not rich.

if you know how much money you have you are not rich.


this is very good and very comfortable ya feel me?

***********************************************************
https://soundcloud.com/swageyph/yph-die-with-me

but as long as you put your cash next to the super wealthy you will feel less than a man.

That's a personal problem.

****************
TBH the fact that you're even a mod here fits squarely within Jag's narrative of OK-sanctioned aggression, bullying, and toxicity. *shrug*

like

jay z is rich

buffet is wealthy


300k is doing very well in life but don't act as if you can spend with reckless abandon or not have to be careful

***********************************************************
https://soundcloud.com/swageyph/yph-die-with-me

****************
TBH the fact that you're even a mod here fits squarely within Jag's narrative of OK-sanctioned aggression, bullying, and toxicity. *shrug*

***********************************************************
https://soundcloud.com/swageyph/yph-die-with-me

****************
TBH the fact that you're even a mod here fits squarely within Jag's narrative of OK-sanctioned aggression, bullying, and toxicity. *shrug*

.

...I'm from the era when A.I. was the answer, now they think ai is the answer - Marlon Craft

assuming you dont blow through it living beyond your means

I have simple tastes, that would be a decent crib and a few yearly international vacations on top of raising a child

>Rich is
>
>
>if you can count your money you are not rich.


so a guy who knows he has $100 million isn't rich? I call bullshit.


>
>if you know how much money you have you are not rich.
>
>

ibid.

___________

Back again for the first time.

>Rich is
>
>
>if you can count your money you are not rich.
>
>if you know how much money you have you are not rich.
>
>
>this is very good and very comfortable ya feel me?


**********
"Everyone has a plan until you punch them in the face. Then they don't have a plan anymore." (c) Mike Tyson

"what's a leader if he isn't reluctant"

people need to check that shit at the door.

We spend way too much time feeling terrible for not being in the top 5% when most of us are doing better than 80% of Americans...

... and niggas wonder why Trump won.

Out of touch

****************
TBH the fact that you're even a mod here fits squarely within Jag's narrative of OK-sanctioned aggression, bullying, and toxicity. *shrug*

Jay Z isn't wealthy? So, like, him, his kid, and his kids kids aren't set with 500M's and counting? Really?

************************************************************

****************
TBH the fact that you're even a mod here fits squarely within Jag's narrative of OK-sanctioned aggression, bullying, and toxicity. *shrug*

___________

Back again for the first time.

>and even if you make 210 (post taxes)
>
>where are you going to live where you make that?
>
>Most likely in a major city where there are jobs that would
>pay such a sum.
>
>So, 210k in a major city is good shit but its not popping
>bottles in the club. Its just a few steps above everyone else.
>
>
>
>
>
My city is not major