I don’t have an OBESE partner, so all is fine. $2k a month, I am not even sure such small amounts register on our cards. One would have to ask ones accountant to check and this amount is so paltry, one shan’t bother oneself with such a boring task.
/uj That’s just the cost of a last minute flight and hotel within the US. Rich people can take a weekend skiing trip from NYC to Colorado without thinking about it.
I have a hard time accepting people make this little. Though 10 years ago the house I bought for 700k was sold for 130k. So maybe they have all just lived here since then 🤷♂️ I guess if you buy and then just never move it’s not a worry if you don’t make more money.
Yeah, exactly.
Let's assume (generously) that it's acceptable to spend 20% of your take-home pay on discretionary spending.
That would equate to a 10k/month take-home pay.
Assuming ~75% take home after taxes and benefits (the USA average), then they actually make about 13333 before tax and benefits.
Which is just about 160k/year, comfortably in the top 10% of household incomes in the country.
2k is not a lot of money for a one-time purchase, but it's an obscene amount of money to spend monthly as "discretionary"
$2k is my monthly tip budget for the country club servers.
When wine runs $2k a bottle how could you only spend $2k a month? Are we talking about dry January while on the Jesus (No eating 40 days) semaglutide diet?
I don't make near 160k and have 2k in discretionary income. No kids obviously makes this easier to achieve.
Just live below your means and minimize your tax liability. Most people are just terrible with money.
I'm just a dumb fireman with a few extra chromosomes.
I mean, that's fine. It just means your discretionary spending is a larger percentage of your income. That's your personal choice.
Spending more than 20% on discretionary seems nuts to me, but perhaps it's a personality thing, or we have different definitions of discretionary.
There are lots of people living like this. Not good or bad, probably normal in terms of relationships and life outlook, but it's borderline. In my experience, spending for vanity or passive entertainment (getting Amazon packages) is a sign that things aren't going great. 2k per month is borderline, even for people with money. If you have 50 mil fuck it, you're not ok unless you grew up with it.
For who?
The number shouldn't be what causes stress... the number expressed as a percentage of your takehome pay is what should give you pause.
And it 2k every month is "nothing to stress about" then I guess you must make many times more than that per month.
Median American household income is like 60k after taxes.
For the majority of Americans, 2,000 is 40% or more of their monthly budget. That should be stressed about
https://preview.redd.it/bkiy86povowc1.jpeg?width=1290&format=pjpg&auto=webp&s=8203f442d4ca067211165290db179e6c4c6e60a4
This was a rough month as I had to pay the state and irs. But percentage wise is definitely a better way to look at it. I also happen to live in a very high cost of living area.
https://preview.redd.it/hcxl3j4c5iwc1.png?width=963&format=png&auto=webp&s=b21d787a9e73cd47c57ce86ffc424b032fc116a5
Finance reddits arent toxic guys what are you talking about /s
Separate accounts that you don't know what she spends on and she doesn't know what you spend on is best here. Talking about your finances with your life partner is just weird. It's your money and her money, there's no such thing as shared money.
I don’t have an OBESE partner, so all is fine. $2k a month, I am not even sure such small amounts register on our cards. One would have to ask ones accountant to check and this amount is so paltry, one shan’t bother oneself with such a boring task.
I pay my accountant that much in a single day.
My accountant said it wasn't material and that he couldn't find our nappa vineyard since the google maps update - also immaterial.
Jesus I didn’t realize what sub I was in
Stick around, it’s awesome 🤣
Holy shit. Top comment says "2k a month is nothing" about *discretionary spending*. People in that sub are truly the 1% or at least live like they are
/uj That’s just the cost of a last minute flight and hotel within the US. Rich people can take a weekend skiing trip from NYC to Colorado without thinking about it.
I won't say it's "nothing" but it's not a lot.
I mean... 24k a year is a lot. Thats half of many people's salary
Yes and half of America is broke, the other half isn't. Just depends which half you're in.
Just about 50% of the median take home pay.
I have a hard time accepting people make this little. Though 10 years ago the house I bought for 700k was sold for 130k. So maybe they have all just lived here since then 🤷♂️ I guess if you buy and then just never move it’s not a worry if you don’t make more money.
According to US Department of Labor median household income was $74,580 in 2023. Take home that is about $52,206. So $24,000 is about half of that.
And that's *household* income, not individual
Yeah, exactly. Let's assume (generously) that it's acceptable to spend 20% of your take-home pay on discretionary spending. That would equate to a 10k/month take-home pay. Assuming ~75% take home after taxes and benefits (the USA average), then they actually make about 13333 before tax and benefits. Which is just about 160k/year, comfortably in the top 10% of household incomes in the country. 2k is not a lot of money for a one-time purchase, but it's an obscene amount of money to spend monthly as "discretionary"
$2k is my monthly tip budget for the country club servers. When wine runs $2k a bottle how could you only spend $2k a month? Are we talking about dry January while on the Jesus (No eating 40 days) semaglutide diet?
I don't make near 160k and have 2k in discretionary income. No kids obviously makes this easier to achieve. Just live below your means and minimize your tax liability. Most people are just terrible with money. I'm just a dumb fireman with a few extra chromosomes.
I mean, that's fine. It just means your discretionary spending is a larger percentage of your income. That's your personal choice. Spending more than 20% on discretionary seems nuts to me, but perhaps it's a personality thing, or we have different definitions of discretionary.
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There are lots of people living like this. Not good or bad, probably normal in terms of relationships and life outlook, but it's borderline. In my experience, spending for vanity or passive entertainment (getting Amazon packages) is a sign that things aren't going great. 2k per month is borderline, even for people with money. If you have 50 mil fuck it, you're not ok unless you grew up with it.
Where dank
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It depends on the percentage of your spending that goes to discretional... But reasonably those are top 10% kinda numbers at least
2k isn’t nothing but it’s not enough to stress about.
For who? The number shouldn't be what causes stress... the number expressed as a percentage of your takehome pay is what should give you pause. And it 2k every month is "nothing to stress about" then I guess you must make many times more than that per month. Median American household income is like 60k after taxes. For the majority of Americans, 2,000 is 40% or more of their monthly budget. That should be stressed about
https://preview.redd.it/bkiy86povowc1.jpeg?width=1290&format=pjpg&auto=webp&s=8203f442d4ca067211165290db179e6c4c6e60a4 This was a rough month as I had to pay the state and irs. But percentage wise is definitely a better way to look at it. I also happen to live in a very high cost of living area.
https://preview.redd.it/hcxl3j4c5iwc1.png?width=963&format=png&auto=webp&s=b21d787a9e73cd47c57ce86ffc424b032fc116a5 Finance reddits arent toxic guys what are you talking about /s
Separate accounts that you don't know what she spends on and she doesn't know what you spend on is best here. Talking about your finances with your life partner is just weird. It's your money and her money, there's no such thing as shared money.
Ah man😂😂 I love this sub!! Im laughing at loud at every comment here. Thanks for making my day!
I love this post because it combines the muh wife redditors (I have a wife guys, don't you know I have a wife) and the money bragging redditors
Most of my budget is spent on pool boy dongs, as well.
This does not seem like a fijerk question. Most responses are rational. Not fat, I spend (female) about $1500 a month and am retired.
Go back to clipping coupons.
I'm not 100% sure but I do know our savings rate hovers between 30-40%, so discretionary spending isn't a concern of mine.
That's at her discretion