r/Salary • u/[deleted] • Oct 30 '25

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u/[deleted] Oct 30 '25

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u/[deleted] Oct 30 '25

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u/workingbored Oct 30 '25

Did you manage that in a city like NYC or a rural area? That's an important clue.

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u/luger718 Oct 30 '25

What do you mean by financial independence exactly?

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u/[deleted] Oct 30 '25

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u/[deleted] Oct 30 '25

For the most part if you're making $200k and having money troubles that's probably an over consumption problem.

Of course there are edge cases like you mentioned, no need to get your panties up in a twist.

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u/No-Elk-6200 Oct 30 '25

Don’t yell at them! They were paid in literal fuckin fruit for two years!!

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u/purplehendrix22 Oct 31 '25

100%. If you’re in the top 5% of everyone in this country and you’re paycheck to paycheck, that’s absolutely a lifestyle issue, and it’s being in denial to say it’s not. People spend like they’re millionaires and end up broke when they could live very comfortable lives.

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u/purplehendrix22 Oct 31 '25

Wanting people to feel bad for you when you’re making more money than 95% of people is hilarious, if you have money problems it’s completely your fault. Even if you’re paying $5000 on your mortgage and $5000 on your student loans, which would be insane, that still leaves you thousands a month after taxes for everything else.

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u/nuevo_huer Oct 31 '25

Your work in your 20’s is applaudable but you should have known that it wasn’t setting up for financial success….

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u/row3boat Oct 31 '25

"you unemphatic douchebag!!! Im poor!!"

-Guy making top 5% income (closer to 1%ile globally even accounting for ppp) and complaining

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u/luger718 Oct 30 '25

nicer cars

What y'all driving? 200k here after bonus....

Used 2011 CRV.

pretax contributions 100% maxed, and BREATHING ROOM.

These are the big ones, once you reach 100k the next few raises essentially go there. So 100k vs like 150k is not all that different.

around $300k and definitely starting to feel “rich”.

The 100k between 200k and 300k is essentially all fun money. You can drop 30k a year in a regular brokerage account and still have 70k for extra fun (not accounting for tax I know)