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I wonder why you chose, that? Even if they could, professional labor is valuable because of scarcity, so if everybody could do it, nobody could get paid handsomely for it.

GDP per capita is only 62k dollars in the U. Irish, your math does not work. We are a single income family of five and live in Orange County, 3 miles from the beach and we are doing fine. Your standards is just too high and only the top 3 percent can make it. I live in a non big city. The mortgage is , and day care is a year.

My SO and I pull in over k together, soon to be k together. Homeowners insurance is less than a year and property tax is less than year all included on mortgage via escrow anyways �. Everything is outrageously expensive. Traffic is absolutely insane.

Air Quality is horrible� And for what, a good paying job? And I still have every store you could want or need within 15 minutes of my house. I entered this field because of the possibilities of a future similar to yours based on your comment. How long did it take for you to get to your income? I grew up in a mid-sized midwestern city and currently work in Manhattan, commuting from the suburbs.

Also, if anyone wants to actually retire in one of these coastal cities, planning to have bought and paid for a home is an important factor. Overall, there seems to be a dynamic socially where people are pressured to become accustomed to less and less. Gorgeous sq ft. Loving it in the heartland. Great job supporting a family of three and getting ahead financially. I definitely could not do that. I also comfortably support a family on 48k.

We do live in a small town in Mi so that does factor in. I work full time and I do take a lunch to work. We rarely eat out but have a pizza night once a week. We work together as a family to keep cost down.

There is no child care because with our work schedules someone is always available to watch Layla. We also go on a yearly vacation. It can be done it just depends on what you want. It works well for us. I live in Michigan. Do you mind me asking what small town? Thank you.

I grew up lower middle class and now my life is much closer to the budget posted by Financial Samurai. What is presented here is the top end of middle class. We can always cut back on our Ks, s, vacations, gym memberships, etc.

What separates us from the truly wealthy is that if we lost our day jobs for more than a few months or year, our lifestyle would dramatically change. Our collective wealth is not yet self-sustaining despite not being extravagant spenders. The childcare expenses are basically assuming a private nanny.

This is about the costs until the kid can go to public school at which point it drops dramatically. You might not really need 2 cars if you live say in SF. Sam, great article as always. If you take into account tax trends, like elimination of SALT deduction, gas tax increases going to general tax funds, congestion tax, attempts at local income tax, sales tax, etc, and review which states dip into the red and fight it with new taxes, along with housing costs, the answer is to move from the expensive locations.

Your map of housing prices tells half the story. The same map of tax rates will tell the other half. Refusing or putting off the obvious and correct decision, when you have options, is the most expensive thing you will ever do. I think this is still off base.

This was an interesting read. I was scouted by a few companies in the Bay Area when I was a freelancer a few years ago to work in-house but I turned the jobs down. I grew up in a small city , people on the East Coast of Canada. So a little bit of money goes a long way here. We like to travel. We also went on weekend getaways. We typically spend about weeks travelling per year. In we plan on going on a bunch of week long trips throughout the year to Yukon, Iceland, Alberta, Utah, Mexico, Florida and some other weekend getaways.

Plus, living in a low cost area is great. Barely any crime. I think we had 1 Murder in the last 5 years. The biggest annoyance is putting up with the winters. But sitting in a hot tub on the deck while it snows makes up for that.

I have friends who live in large cities, so I go to visit a few times a year. People like to romanticize or glamourize large cities. To me, they are great spots to visit for a concert, comedian, or just staying for a days to hangout.

I find that cities are dirty and claustrophobic. NYC looks incredible, but also smells terrible and the interiors on some apartments are awful. In the end, everything becomes the new normal. Watching Netflix, Eating Take-out, going to the same coffee shop over and over.

Going to and from work. There is nothing wrong with normal things, like I listed above. I love TV, Coffee, Take-out, hanging out at home. We work from home. Wake up when we want, go to sleep when we want. Travel on a whim. This is obviously a rare scenario as high incomes are usually achieved by living in a large city. One of my friends just moved home from a city and kept their job, now working remotely on the same salary as they had in Toronto.

I find it amusing that so many people feel the need to move to a certain location for tech jobs. There are tons of remote positions available in the tech industry. This allows you to be location independent and not fall into the trap of living in a high cost area. This article shows that financial success is relative. To me, I would much rather live in a low cost area and travel regularly while saving fast for the future.

Maybe, you like the city vibe. No judgement from me. I just wanted to share a different perspective, from somebody who would rather just visit a City and live in a smaller place with a much lower cost of living.

The more free you are financially, the more free you are in general. The more free you are to travel or save for retirement.

I love what I do. Retirement is for people who hate their jobs. But whatever your financial goals are � Living in a high cost area is slowing you down. Everything is relative.

You can either stretch your dollar and get the most for your money. If not, why not look into other areas? I feel like location has become a status symbol now. HSSS, what a great post! Thanks for sharing. What kind of online business do you have? Loved your post too!

My husband had a big job in SF so he asked to work remotely and they said yes. Talk about a winning move. There were already others on his team that were doing this and I think its becoming much more common in SF.

Visiting is great � we kept our vacation home near Tahoe so we can go back when we want. Over the top. The vast majority of folks in this country do not make that kind of money, that includes college educated.

No sense of cutting back and trying to be honest about wants and needs. I looked at your expenses. I estimate my expenses to be 92k which was almost in line with yours which includes 15k of travel.

Would move there if I could take the kids. One is 31 and The 28 year old is in her second year of being an ER nurse.

He and his wife struggle a lot more. How do we decide when to help our kids and when not to when they are adults? I had my trust set up for them to get certain amount at different ages but now they are more responsible.

When to help our kids is a tough one. With my daughter I have helped her less because she has a high earning potential. She is still renting though. She works in Bakersfield but salaries are much less. She can double her salary in the Bay Area but as you well know houses are in the stratosphere.

Her husband just got out of the military and plans to go to school so they only have one salary. My son we have helped a lot more. So we often help them when they run into trouble. He works very hard and I see him struggle sometimes 10 hr days.

When you start saving you never realize you will be helping your children once they are gone. I am just fortunate even with a disability I have the resources to help them. My wife says she would rather see the smiles on their faces while we are alive then when we are dead. I am the child of parents who have a net worth in the millions. I told them I want to start my own business and they have provided me with little help so far.

Although I started Financial Samurai in when I came up with the idea in , it eventually got to a good size that provides a nice livable income stream. Thank you for putting things in the right perspective with this post.

As someone who has lived in the Valley for over 10 years now, I can attest to the prohibitive cost of living. We have one toddler and school and after-school care bites a little into our savings. One thing you might want to factor into your calculation is school district.

A typical read decent home in a good school district in the Bay Area costs nearly 2 million. And property taxes run up to 30k per year. I might sound entitled to some, but is it unrealistic to expect a decent standard of living or want a good life for your children after several years of hard work at school and after?

Do you mind sharing something about yourself and providing some guidance? You seem very wise and have your stuff together. Great post! I think one part of your net income calculation is slightly off. I notice that the only debt is a mortgage and car payment.

I have to assume that all other debt has therefore, been knocked out. That sounds great. I also notice the more prestigious the job title usually the more expensive the neighborhood the family may live in. Then they want the Range in the driveway to keep up with the neighbors, the gardener to keep up with the curb appeal set by the HOa, etc. The jobs may pay well, but the expenses tend to go up exponentially. It also negates the extra pay.

As you say, this is a sad story indeed. We contribute to the retirement accounts, my brokerage account, and the college accounts. We have a net worth that ranks in the 80th percentile nationally.

And oh BTW, last year was the first time our combined gross income cracked K�. In the time it takes for a Ceo to go to the restroom they make that much. In my mind k is a decent living. Not even in the Bay Area. Family with 4 kids. Newer cars. Over many years went from 15k to k in pay.

Expenses rise up to meet income. No vacation home, no toys. No country club. I consider myself middle class. Kids went to good schools , all of which are public. Neighbors college educated. Engineers to business owners and executives. Have health insurance. Suburban life in the Midwest.

Seems like unexpected bills always arise, and updates to your home etc. Families that controlled expenses, banking increases see ther k as the high life. Whereas, the families that allowed their expenses to increase with income have slowly increased their wants and expectations making k, meh.

So maybe you start out with a used car. You keep it 10 years. You have one car. Then you splurge and buy a new Ford. Later you have two new cars.

The kids need cars and you get something for them. Same thing occurs with Houses etc. Can you live below your means, sure. It comes back to what is middle class. I could survive on less than k. Plenty do. Is education important? Well it varies by where you live. College costs money, are you going to educate your children or saddle them with an anchor around their necks when they start out.

You going to live on social security in retirement? Or do you want to maintain your lifestyle in retirement. You want to drive an old clunker, deal with breakdowns and repairs. I Old Yachts For Sale In Europe 3d Model grew up modestly with parents that grew up on the depression. They were frugal and never on the government dole, as they called it. They were middle class. I enjoy a better life financially.

But I think I am solidly in the middle class. In my opinion the middle class is eroding because incomes for many are not keeping up. More are poor. They have downgraded their own view of what is middle Class life.

Child care is expensive too. We drive paid off, older Japanese car. While I agree with you on a few points, I disagree with you on many others. It is higher and yes, our taxes and costs are high. Second, many of the expenses you cite are elective, as in vacations and recreational choices. Life is about priorities and smart financial choices. Your portrayal does not describe most.

This is how it goes. The government does nothing to control the slave labor coming from South America. Largely they talk and talk and nothing ever happens. Republican and Democrats alike. Then in the guise of the law of comparative advantage they flood the country with goods from foreign countries.

All the while the Fortune benefitting from the effect on earnings. Ceo wins , stockholders win, but your neighbor is broke. Look at some of our cities. I always believed in our great country and that through hard work and sacfrifice one could better ones life. Our country worked because all shared. Our country worked because people thought they had a voice. Look at the sacrifice of our people in the wars, look at how they stood up.

Proud of their country, proud of our ideals. We have lived in Denver almost 20 years and are cashing out this month and moving back to the Midwest.

They need you to feel too guilty to stand up for their destruction of the middle class. That is living very comfortably at all levels. Corporate MBA definition of middle class -broke.

Small home, 10 year old car. Social security for retirement. Kids borrowing for college. No vacation. Scrapping by to make ends meet. Both parents toiling away. Fear of losing job. Frankly the middle class seems to be eroding away.

Sorry to sound jaded, but look around you. We are increasingly moving toward a rich and poor society. The middle class Sadly seems to be going away. Our country was great because all shared in the wealth.

Not just the few. This is absolutely right. Sadly this is right and society evolving into two classes. Haves and have nots.

Obviously those that are on this site are likely more educated on financial issues and likely higher earners. Home maintenance, remodeling etc. I live in Midwest and have 4 children. I think k is very low. Passive income, smart investing etc. Very few couples can maintain the dual-income high earning commitment once kids get into the picture and are thus 1 income. I guarantee this scenario describes countless law school grads as well.

Some readers take your advice and start their own business, do rental property etc. Anyway, sorry for the rant but no one had said the obvious and wanted you to know.

Keep up the good work! A middle class family has to make choices on where to spend and where to cut. I am having trouble rationalizing this relative to actual income statistics. I did a spreadsheet inline with what you had laid out Id be happy to email it to you and collaborate on an article about living in the midwest living if you are interested. It is much cheaper to live in the heartland but at the end of the day money come and money go � especially when you have kids and hobbies :.

I max out the sep IRA every year, live in a modest home with a pool and on acreage. Life is good in the heartlands. We have 2 kids and my wife is able to stay at home but we still like the development social aspect of daycare so our oldest son goes a few days a week. Its a good article but what these articles always leave out is the time cost of quality of life for your years on this earth.

I commute 15 minutes a day in a metropolitan area. I can live in a 5 bedroom house and afford it on a two parent working salary. I actually have time to spend on the things that matter.

Yeah I get this budget it hits close to home. NYC suburbs, housing is expensive but even more so is property taxes I pay almost 40k in property tax, so my housing expense is 80K before talking about maintenance, utilities, etc. So basically my big cost driver is k in housing expense, childcare, commuting costs, and insane insurance costs car, house, liability, jewlery is 9k for me everything else is pretty much in line with the rest of the country.

This is a controversial post! At this time my focus is more on saving so the spending is more restricted. For that, I would consider k a person to be a good fit, even in CAD. Certainly you can make do with much less however. My wife and I live in the small-to-medium sized midwestern college town a very blue town in an otherwise red state, the latter of which sucks in which we went to school, loved it, were fortunate to get well-paying jobs we loved here and never left.

She worked for a giant telecom company and I worked in the physics department of the university. We put our two boys through college as far as they were willing to go one with a post grad degree and one who did not finish his undergraduate studies and we retired early; she at 56 and me at We each had six weeks of vacation for most of our working years and took the boys on many theme park, beach, desert and mountain vacations and even to Europe.

I coached youth sports, including four years of youth football, five years of basketball and twelve years of baseball; from Little League T-ball through Babe Ruth. As well as typical family vacations, we also spent a couple of weeks every summer traveling to all-star baseball tournaments. Those were some of the best times ever!

I also stopped upgrading my beloved BMW motorcycles every year or two. So before we were fifty my wife and I had already built a solid and fast-growing portfolio. However, the only other person in the world who was familiar with my systems strange, one of a kind nuclear physics apparatus took a position with another lab, and not being one to leave my own lab in a lurch, I stuck around for an extra year, training others on my equipment and writing over pages of technical documentation for that as well as for a SQL database for which I was responsible.

Also, at about the time I was ready to retire I was struck with an unusual physical disability that, although not life-threatening or limiting in mobility, does interfere with some of the activities I used to enjoy. We would do perfectly well financially without that income, and I would be especially grateful to not be disabled as I am, but coupled with my pension, it has afforded my wife and I the luxury of not touching our investment portfolio, which has allowed it to experience significant growth over the past seven years I am now 61 and my wife is The difference between now and ten years ago?

We paid cash for the new cars. Thank you for your financial advice and everything else you provide to your readers, Sam. Good luck with your long, long retirement!

Love your blog but I think this post is way too generic. Most of my friends live in houses valued from k. Depending on the suburb. Again, I love your blog and learn something every time I read it. I appreciate your perspective. Your numbers are probably right for crazy places like Cali where you pay loads for something of no value.

But who wants to live in Cali anymore anyways? The taxes, home values, and traffic are terrible. I know several affluent people moving to NV and TX to get out of there. Sure, no problem. If you would like to write a post about the middle-class lifestyle in Cleveland and those other cities I welcome it!

Thanks for sharing and helping diversify the content on the site. Please share your background and expenses. I agree with this point. I personally consider this the lower end of upper middle class, but again it depends on where one lives.

The government wants people to believe that if a family of 4 makes 50K, they are middle class. This is absolutely false! Again, a great point that Sam makes is that lifestyle needs to be factored in along with income to better define class.

Living in NJ, I find these expenses to actually be on point or if anything too low. They do not include a 2nd car for the other spouse 5k per year and once you have a 2nd or 3rd kid in the equation you will still have the childcare expense plus school payments for an older child of 5kk per year. The anger in many of these posts are ridiculous.

The bottom line? It should be to work hard, be frugal, find ways to enjoy life with your family, and consider ways to retire well. I was upper class in a third world country, and now I am making over 8 times my annual salary here in the U.

It is a choice to be made. The vacation expense is way too low IMO if you have to fly somewhere. They would consider people who sold companies and made millions, make over 1M a year at their jobs, or inherited a ton of money to be wealthy.

I live in San Jose California and we make close to K a year. I would consider myself upper middle class in the way we live and toys I have. We also save close to K a year after the expenses are paid. We do not have children so I guess that makes up for many thousands of dollars and serious amount of free time. If you choose to live small when it comes to housing, restaurants, and automobiles your paycheck will be going into investments instead of wasteful spending.

Do you guys live rent free? Please share your expenses so other people can learn how to save such a high percentage of their after-tax income. I think the mortgage number is a little off or there is a huge assumption about a down payment.

Your property tax is based on a 1. If so, then the parents must have been saving for a LONG time or had help. Thanks for asking. Not sure where you think this derision is coming from. Just look at your initial comment. Be happy you paid cash. No need to say someone who made 11X more in the same timeframe is a fool.

Good grief! That would be insane. Wandering about in stores and spending money is not a productive use of valuable time. Furthermore, where would they store all of that? Will they be renting a warehouse? High quality classic clothing lasts and looks great for a very long time. I have some things years old and they are still cool. Some people would spend that on kitchen appliances or sports equipment but I prefer clothing. It can be time consuming to shop, but I have 3 favourite stores and buy times a year.

I am looking for specific items that I have wanted for awhile, not just wandering around in malls buying random items on impulse. There have been years e. If you put the numbers in any cost of living comparison calculator, it makes sense.

That income level you should be able to afford 2 million dollar apartment, nothing luxurious In Indianapolis it is about k. Which would allow a k house, which is not a mansion in Indianapolis but nice upper middle class house When I put these numbers in the cost of living calculator it actually is almost exact.

For example compare Indy to San Fran, if you made k in San Fran, you would need only k in Indy for same lifestyle. Now if your single and making that much then your having a grand time.

Late to comment, but have a few thoughts: Geo-Arbitrage love that term is alive and well in our home. My husband is an MD, and we live in western NY. Utilities are also reasonable, as well as auto and home insurance, entertainment, maintenance services, etc.

Our home is 2, sq. We have lived in it for 30 years. Just recently have home values begun to increase. Because they had been basically flat for 25 years, our area did not suffer in the real estate downturn. My husband earns a very decent salary probably comparable to what an MD would earn in a large coastal city and we live cheaply. He grew up here and we loved raising our family here.

The schools are top notch, and my boys attended Ivy League colleges. Being from the tri-state nyc area, and having a son and sister living there, I think your numbers are on target. So I guess we are lucky to have been able to avoid the rat race and live an upper class life.

We can get to Toronto and NY fairly easily, so we have enjoyed the best of both worlds. Not sure where we will go in retirement, but I have a feeling we will at least keep a small home here, and maybe leave for the winters. To be decided. That house is 5 minutes from the interstates, 15 min from the airport. Tons of colleges around here and unemployment is low as well. A million people in the greater area but no major traffic problems.

I lived in Singapore for 5 years consistently ranked no 1 in total cost of living worldwide and came away from that pricey experience telling myself I will never live in a high COL area again if given the choice.

Geo-arbitrage is truly one of the mightiest tools in the US that MANY people elsewhere simply do not have, or not to the same degree. Some people are forced to go where the work is, but is the quality of life in the expensive coastal cities so great to offset the total life cost?

The number of life options given to me in a lower cost of living area far outweigh the downsides, in my view. If I reach financial independence far faster living in flyover country for a few years, I can then spend my time visiting expensive areas and enjoying their amenities�.

I bought a home in East San Jose in , still close to the bottom of the market. Given living in a poor school district, there is an after-school program that both my kindergartener and second grader qualify for. We pick them up at 6PM. If they choose to blow it trying to go out of state, good luck to them. Sam � I thought I did with my link to the AP article and the stats from the last recession.

From my experience though, a large majority needs both. A vast minority does not need education but the earnings statistics prove the value of a college education. There are problems on the cost side. That is clear.

I base our level based off the max state tax deductible amount. With 2 kids. Also note that you can open a VA in any name at any time so you could start saving for yourself and then switch to kid.

A couple of things immediately stand out. For 1 child? That seems high as well. That was a long time ago now but still this seems excessive to me. I live in a coastal area, suburb of Philly and have 2 kids.

Saved for college for both. Committed to funding 4 years for each one if they are reasonable. My first will start Penn State in the fall. Yes, for a state school. So, saving for education is rough for the middle class. I made great sacrifices to do that. This really illustrates how society has become a small amount of haves versus a large amount of have nots.

I am in the haves category so I guess I should not complain. However, what we are seeing politically is an expression of have nots being extremely angry. The next big shock may be from the left. Society needs to figure this out. A LOT less than 1. My oldest is a decent student but not quite U of Penn material. My youngest may be headed that way. We will see. However, my oldest is also a hard worker who knows how to make money.

My younger one is good with the books but struggles with jobs. So, each has their own strengths and weaknesses. I plan to teach him everything about business and various types of jobs due to our online business.

Look at the last recession. The UE rate was 3x higher for non college grads than for college grads. Not that college is the end all and be all.

I get that. I think college is important for certain fields. Trade schools for others or none at all if you are part of the. I actually think college is more important today than ever before. However, it is too expensive for many reasons.

The charity is a bit low. I also see no provision for long term care. You not have it now but you should start saving for it now given the costs. I have no children in a HCOL area. When we had our first child in the expensive central California coastal city, I did the calculations for my wife working vs not.

When her salary was added to mine as taxable income with Federal, California, Fica and loss of deductions with rising income, worthless health insurance contributions since we were already insured through my work, added childcare costs, added commuting costs then�. We did a similar calc, but one thing to consider is that usually leaving work is a one-way street.

I respect your decision, but people sometimes think of it as short-term i. This is an interesting post. I am from Sydney, Australia and can somewhat relate to this article given Sydney is one of the most expensive cities to live. Surely, someone who is on the path to financial freedom thinks and acts differently compared to someone running the rat race and trying to keep up with their peer group. I agree it is not enough to be classified as wealthy or rich in SF or in Sydney but its enough to give you the ammunition to continue on the path of FIRE whilst leaving a decent lifestyle at the same time.

Love those sweet buns! Eating out for me was the easiest way to trim fat off the top. We are a dual income, Outer Sunset San Francisco family of 4 the kids are under 5. Childcare costs are killer, yes. And yes, we are exhausted. We started pressure cooking using a multi function device and it is a game changer. Solid frozen meat on the table in Rice in 15, steel cut oats in 9.

Both time and money saved. Truly amazing to turn a frozen hunk of meet into soft food that quickly. I buy 10 lb. It saves money and the blue berries taste much better than store bought and you never get a moldy one. Same for all the other summer fruit. Takes a couple of minutes in the evening to get a box into the freezer. You eat local summer fruit all year round.

I can make a tray of roasted chicken thighs or pork chops or steak with vegetables in 30 minutes tops less for fish. Preparation time 5 minutes. If I forget to thaw meat, I microwave for a minute. My freezer is full of venison :D. Giles, not much game in the city that you can hunt although lots of deer, eagles, coyotes, the odd cougar, and other wildlife in and near the city.

Although there is a bird sanctuary where some hunting of migratory birds is allowed. I have read that Canadians eat the highest proportion of wild foods fish, clams, game, berries, mushrooms of any country.

Although many Canadians never eat any. Some people in my area right in the heart of the city forage in the parks for nettles, dandelions greens, fiddleheads, etc. Vancouver is actually pretty wild with sea and mountains and forest right around and in the city. I am jealous of the venison. I need second freezer for meat. Small one to tuck into a corner somewhere.

It can be a big challenge in a city with lots of yummy diverse choices tho. Easier to cook at home in remote towns with less temptations. Slow cooker is fantastic to come home to for gourmet soup and hot food in the winters, but what do u do for summers? Sushi gets expensive regularly.

Housing and childcare are the biggest expenses in the coast. He actually forget, gift giving is also a bug Expense category. A great demonstration of why geographic arbitrage works. Too hard to build wealth. Some of my expenses are higher and some are lower but back when we had a mortgage that was about what we were spending. What they can afford is a middle class lifestyle. For a doctor, software programmer, Youtube content creator, or someone like Sam, sure.

That means both spouses have to be able to either find a job in podunk, Arkansas, or work remotely. In my case I do work remotely and have for years , but my wife is absolutely unable to, and never will be.

I know a lot of people who have asked their NYC firms if they could relocate to Burlington, Vermont to be closer to the family, and got a big fat no in response�. I kind of get California because of the weather, but paying all that money to live near NYC I do not get.

No thanks. In terms of expenses, we do not spend as much as what you put on here Sam. Babies can get attached to a book as early as 12 months based on my experience. All the other expenses you have seems pretty spot on. Your right about childcare expenses, their is no way to get around it unless you have family close by that is willing to take care of the kid s.

But, I am waiting for the stock market to go up a little further before derisking a bit more. My house is crazy though. We live about 40 minutes south of San Francisco definitely not in the high-cost city of S. Redfin has it higher.

We just received a notice from Redfin stating houses in our area have increased by What the heck is driving that? At the height of the housing bubble, our house was , So is there another bubble around the corner?

If there is I wonder where it would come from since credit standards are much tighter? The property taxes on a house this expensive will be higher than my mortgage was when I had a mortgage. We go to open houses, and they are flooded with prospective buyers in even the tiniest of homes. I am selling some stock in hopes to by a rental property near my son.

Homes there go around , dollars. How are they doing 25 hours per week if both parents work? Not to mention a weekly date night. Kids are not cheap but they are worth it!!

I think you have it pretty accurate. We are at the same number in Portland Oregon. Myself , Wife Both Engineers. You could nit pick at numbers here and there�but its not worth it. Many ways of doing it but I fully agree�. We are on a 15yr home load and save a bit more than your example but that is primarily because we went live in childcare and a lot of home cooking. Bottom line�. But we both work hard. Too tired to shop!

Great post Sam! NY, PA has one as well which are mandatory. This will increase taxes by 2k. I can totally see someone spending at this level. To add a personal perspective I live in San Mateo less than 30 mins from you. Here is the view from a savers perspective.

We top at 90K in expenses. Our bulk shopping is costco plus asian grocery stores. Please do post more on it, as this number is something I cannot absorb for median level. I also would draw your attention to this user case study post on frugalwoods from San Francisco. We got inspired. Now more than ever one should pay attention really hard to all matters in relation to finance: � How to save; � How to invest; � Create new sources of income; � How not to lose money on bad strategy.

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