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We spent a lot on housing. We set a goal to pay for the house within 15 years since we purchased. To achieve this goal, currently we need to pay down 100K principal per year, plus interest, that is 120K.

Then our property tax is 15K. Gas (~3K) + Hydro (~3K) + Insurance (1.5K) + Utility (1.5K), another 9K. That is 144K per year, or 12K per month already!
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Replies, comments and Discussions:

  • 枫下家园 / 幸福家庭 / 按照这个budget, 就是夫妻双双跻身肉联人均水平,也难免捉襟见肘。中产的尴尬,不是挣得太少,而是窟窿太多: +2
    • 人心不足蛇吞象嘛。
      • 腰包鼓鼓,于是不能享受各种福利和资助。把那些窟窿填满了,腰包也瘪下来了 +1
    • 估计将来35万收入的税率会在80-90%左右,不过幼儿园免费,医疗免费,大学免费,毒品免费。 不过既然是免费的,就别太计较质量。 穷人和富人的生活质量差不多,饿不死,撑不着。 +1
      • 只有能者可以多劳,但是不能多得,才符合人类大同理想,所谓各尽所能,按需分配,be it communism or utopia。 +1
    • They bought 2 million house, put their kids in private elite schools, lots of outdoor and sports activities.... Luxury vehicles etc.. +1
      • 肉联人均quarter 米的肉友们不是这样吗?大家的房子不都是两米club的?孩子不都是在私校? +1
        • That's you, not us. +1
          • 那你可是真说错了。我的房子连一米都不到。我的孩子也从来没有进过私校。
        • 好点私校附近的房子两百万又太憋屈,住的远又不方便。这收入要再多十万就能解决了
    • 老荡已经西化了,我们向来是量入为出的。
      • 环抱五子登科,量入为出就成了梦想天空。房子,车子,孩子,妻子,老子,哪一子是省油的灯?
        • 第一,草根不需要灯, 有泥土就行 ,也就无所谓油了。第2,可恶的资本家也希望你们都是草根,因为他那盏灯的油永远不够。
    • No kidding. We make about 450k a year and we can’t afford private school. If we private school, god knows when we can pay off the mortgage!
      • 你这样top 1%的都在叫苦,想想其他在top 5%内垫底的该是怎么个活法。 +1
        • 其他的娃都上私校。
      • Then how do you spend all your money? +2
        • I would like to know too +1
        • 看下面我的 breakdown
        • We spent a lot on housing. We set a goal to pay for the house within 15 years since we purchased. To achieve this goal, currently we need to pay down 100K principal per year, plus interest, that is 120K.
          Then our property tax is 15K. Gas (~3K) + Hydro (~3K) + Insurance (1.5K) + Utility (1.5K), another 9K. That is 144K per year, or 12K per month already!
      • "We" have to work harder to reach average rolian
      • how so?一半交税了?
        • That's for sure. Tax + Pension definitely eats up half.
          • 赚这么多就该自雇了,否则白赚了。:)
            • 我这profession没有自雇。
    • 17.8k的每月费用中,7.5k的花在幼儿园/私校上,1.3K在教育储蓄上,美国的教育费用是大头
      • 加拿大可能更糟。教育不提,就算是年薪二十万。七万交了税(和CPP等其他deduction),两万五买了RRSP/RESP。 只剩下十万供支配。mortgage 还不能免税。
        • 量入为出,10万过得挺好。
          • 老荡对生活的要求太高了。
    • 一见这姑娘那永恒地瞪得睁圆的怒目,我总是慌忙地关闭网页,不忍卒看。 +1
      • 真别说,也许六年之后,就是切耳稀饭,一文卡通, 和她一起角逐白宫。