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If I go back to work we'd be making $200k per year as a couple

 
If doom doesn't happen
User ID: 714637
United States
06/29/2009 12:18 PM
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If I go back to work we'd be making $200k per year as a couple
We could live off $75k and save $125k and be millionaires in 8 years.

What if doom doesn't happen? And I wasted all this time and prep?

What should I do?
Anonymous Coward
User ID: 688539
United States
06/29/2009 12:18 PM
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Re: If I go back to work we'd be making $200k per year as a couple
bsflag
Mister ObviousModerator
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User ID: 694929
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06/29/2009 12:19 PM

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Re: If I go back to work we'd be making $200k per year as a couple
[link to www.youtube.com]

Reality Is an Illusion of Separation
[link to www.youtube.com]
Anonymous Coward
User ID: 714640
United States
06/29/2009 12:26 PM
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Re: If I go back to work we'd be making $200k per year as a couple
bump

Professional couples do make this much you guys. My next door neighbors are 2 cancer specialists. The woman is still a resident but when she finishes her residency, they'll be rolling in it.
Anonymous Coward
User ID: 413608
United States
06/29/2009 12:28 PM
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Re: If I go back to work we'd be making $200k per year as a couple
We could live off $75k and save $125k and be millionaires in 8 years.

What if doom doesn't happen? And I wasted all this time and prep?

What should I do?
 Quoting: If doom doesn't happen 714637

it is all an illusion.


live for today and never do anything just for the money.
Anonymous Coward
User ID: 707522
United States
06/29/2009 12:29 PM
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Re: If I go back to work we'd be making $200k per year as a couple
Do it for the money so you can live for tomorrow.
Anonymous Coward
User ID: 714646
United States
06/29/2009 12:32 PM
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Re: If I go back to work we'd be making $200k per year as a couple
We could live off $75k and save $125k and be millionaires in 8 years.

What if doom doesn't happen? And I wasted all this time and prep?

What should I do?

it is all an illusion.


live for today and never do anything just for the money.
 Quoting: Anonymous Coward 413608

Umm, planning for doom isn't exactly living for today, either.
Anonymous Coward
User ID: 488861
United States
06/29/2009 12:33 PM
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Re: If I go back to work we'd be making $200k per year as a couple
better have passports ready to grand camans soon

bird flu for 300 million americans and illegals

coming for sheep in fall 2009...


bad mojo bad side effects from them....

dont take them fema cc quarantine camps

then gun confiscations from census 2009 data done in July 2009

they marked all your front doors by gps for this reason


but wait martial law and riots will occur as the states collapse and unemloyment for millions end in a few weeks


we done... you run


jobs wont exist in october 2009

then www3 with iran or north korea or pakistan
Anonymous Coward
User ID: 712894
United States
06/30/2009 11:51 AM
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Re: If I go back to work we'd be making $200k per year as a couple
We could live off $75k and save $125k and be millionaires in 8 years.

What if doom doesn't happen? And I wasted all this time and prep?

What should I do?
 Quoting: If doom doesn't happen 714637


Are you talking about being financially free as a waste? I don't THINK so! Read Your Money or Your Life by Joe Dominguez and Vickie Robin. You'll be hitting DICE within an hour looking for that big paycheck.
Anonymous Coward
User ID: 708515
United States
06/30/2009 06:16 PM
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Re: If I go back to work we'd be making $200k per year as a couple
bump
NoMoreCages

User ID: 694401
United States
06/30/2009 06:18 PM
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Re: If I go back to work we'd be making $200k per year as a couple
We could live off $75k and save $125k and be millionaires in 8 years.

What if doom doesn't happen? And I wasted all this time and prep?

What should I do?
 Quoting: If doom doesn't happen 714637


you're bragging about being poor?

wtf
"The question is not, can they reason? Nor, can they talk? But can they suffer?" - Bentham
Anonymous Coward
User ID: 663837
United States
06/30/2009 06:21 PM
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Re: If I go back to work we'd be making $200k per year as a couple
If you are a guy...go fuck yourself.

If you are a woman...go fuck yourself.
Anonymous Coward
User ID: 1978
Canada
06/30/2009 06:21 PM
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Re: If I go back to work we'd be making $200k per year as a couple
The more you have the more you spend .

If you save it, you'll spend it later anyway.

Live - freedom from indenture 'G'oal .
Anonymous Coward
User ID: 88006
United States
06/30/2009 06:30 PM
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Re: If I go back to work we'd be making $200k per year as a couple
We could live off $75k and save $125k and be millionaires in 8 years.

What if doom doesn't happen? And I wasted all this time and prep?

What should I do?
 Quoting: If doom doesn't happen 714637



Only go back to work if you're disciplined, and you're not going to raise your standard of living to match your salary. Do a budget, account for every bill and expenditure, set your goals and go for it. If you have school age kids, figure in daycare. Look at your tax brackets and see what going back to work does. Immediately lop off 28% of 200k or 60K for your federal income tax, and more for your state income tax if you have any. So now you'll have to work 13 years to hit that million mark.

It's all economies of scale. We live in ungodly expensive San Francisco, we bring in $350K a year. Our fairly small home cost $1.3M. This is not a mansion or even high end. Location, location, location. Yeah, we could move to Kalamazoo and pay 100K for a home, but we love SF and our jobs.
Anonymous Coward
User ID: 705429
Belgium
06/30/2009 06:31 PM
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Re: If I go back to work we'd be making $200k per year as a couple
whatever poop
Anonymous Coward
User ID: 688539
United States
06/30/2009 06:31 PM
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Re: If I go back to work we'd be making $200k per year as a couple
bsflag , who said there is a job out there for you, and you husband won't get laid off????
picesnator

User ID: 639746
United States
06/30/2009 06:31 PM
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Re: If I go back to work we'd be making $200k per year as a couple
We could live off $75k and save $125k and be millionaires in 8 years.

What if doom doesn't happen? And I wasted all this time and prep?

What should I do?
 Quoting: If doom doesn't happen 714637

obooboo is gonna fuck u.....
Anonymous Coward
User ID: 654537
United States
06/30/2009 06:48 PM
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Re: If I go back to work we'd be making $200k per year as a couple
We could live off $75k and save $125k and be millionaires in 8 years.

What if doom doesn't happen? And I wasted all this time and prep?

What should I do?
 Quoting: If doom doesn't happen 714637


I understand where you are coming from. My husband and I saved for a rainy day but lost over $600,000 during the market crash. We could have been buying that vacation house we always wanted or a new car every now and again. So, do you spend your money now and enjoy it knowing doom could be around the corner, or do you save it in case there is no doom and you live to be 103? I think your heart knows what to do. Personally, even though we lost a bunch of money, we still have some left and are saving as rapidly as we can. I have faith that I will need retirement funds a few decades from now.
Anonymous Coward
User ID: 704829
United States
06/30/2009 06:59 PM
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Re: If I go back to work we'd be making $200k per year as a couple
We could live off $75k and save $125k and be millionaires in 8 years.

What if doom doesn't happen? And I wasted all this time and prep?

What should I do?


I understand where you are coming from. My husband and I saved for a rainy day but lost over $600,000 during the market crash. We could have been buying that vacation house we always wanted or a new car every now and again. So, do you spend your money now and enjoy it knowing doom could be around the corner, or do you save it in case there is no doom and you live to be 103? I think your heart knows what to do. Personally, even though we lost a bunch of money, we still have some left and are saving as rapidly as we can. I have faith that I will need retirement funds a few decades from now.
 Quoting: Anonymous Coward 654537



IM just CURIOUS ...


WHAT IS THE RICHEST PERSON GOING TO BUY IN HEAVON>>>>>>>
Anonymous Coward
User ID: 704829
United States
06/30/2009 06:59 PM
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Re: If I go back to work we'd be making $200k per year as a couple
We could live off $75k and save $125k and be millionaires in 8 years.

What if doom doesn't happen? And I wasted all this time and prep?

What should I do?


I understand where you are coming from. My husband and I saved for a rainy day but lost over $600,000 during the market crash. We could have been buying that vacation house we always wanted or a new car every now and again. So, do you spend your money now and enjoy it knowing doom could be around the corner, or do you save it in case there is no doom and you live to be 103? I think your heart knows what to do. Personally, even though we lost a bunch of money, we still have some left and are saving as rapidly as we can. I have faith that I will need retirement funds a few decades from now.



IM just CURIOUS ...


WHAT IS THE RICHEST PERSON GOING TO BUY IN HEAVON>>>>>>>
 Quoting: Anonymous Coward 704829

heaven lol
Anonymous Coward
User ID: 708377
United States
06/30/2009 07:08 PM
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Re: If I go back to work we'd be making $200k per year as a couple
both quit and move to South America
Anonymous Coward
User ID: 708377
United States
06/30/2009 07:10 PM
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Re: If I go back to work we'd be making $200k per year as a couple
unsolicited advice, go spend and enjoy that money ASAP because the government is going to get it all soon anyway.
Anonymous Coward
User ID: 715111
United States
06/30/2009 07:58 PM
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Re: If I go back to work we'd be making $200k per year as a couple
We could live off $75k and save $125k and be millionaires in 8 years.

What if doom doesn't happen? And I wasted all this time and prep?

What should I do?



Only go back to work if you're disciplined, and you're not going to raise your standard of living to match your salary. Do a budget, account for every bill and expenditure, set your goals and go for it. If you have school age kids, figure in daycare. Look at your tax brackets and see what going back to work does. Immediately lop off 28% of 200k or 60K for your federal income tax, and more for your state income tax if you have any. So now you'll have to work 13 years to hit that million mark.

It's all economies of scale. We live in ungodly expensive San Francisco, we bring in $350K a year. Our fairly small home cost $1.3M. This is not a mansion or even high end. Location, location, location. Yeah, we could move to Kalamazoo and pay 100K for a home, but we love SF and our jobs.
 Quoting: Anonymous Coward 88006

You're exactly right! When we were both working we spent about $3k per month on food alone due to all the eating out!

Discipline, or half of what I make gets frittered away in expenses and conveniences.
Anonymous Coward
User ID: 715118
United States
06/30/2009 08:08 PM
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Re: If I go back to work we'd be making $200k per year as a couple
Actually it would be 8 years because 15% would be before tax dollars and lower the adjusted income accordingly. Then you add about 6% matching employer contribution for an additional 12k per year. That's $42k per year right there on an adjusted gross income of under $150k given other adjustments. Anyways, it would work out.
Anonymous Coward
User ID: 715121
United States
06/30/2009 08:10 PM
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Re: If I go back to work we'd be making $200k per year as a couple
We could live off $75k and save $125k and be millionaires in 8 years.

What if doom doesn't happen? And I wasted all this time and prep?

What should I do?


I understand where you are coming from. My husband and I saved for a rainy day but lost over $600,000 during the market crash. We could have been buying that vacation house we always wanted or a new car every now and again. So, do you spend your money now and enjoy it knowing doom could be around the corner, or do you save it in case there is no doom and you live to be 103? I think your heart knows what to do. Personally, even though we lost a bunch of money, we still have some left and are saving as rapidly as we can. I have faith that I will need retirement funds a few decades from now.
 Quoting: Anonymous Coward 654537

This sums it up perfectly! Thanks.
Anonymous Coward
User ID: 715146
United States
06/30/2009 08:40 PM
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Re: If I go back to work we'd be making $200k per year as a couple
 Quoting: Mister Obvious

LOL MO. Is that a vote or a rebuke?
Anonymous Coward
User ID: 715088
United States
06/30/2009 09:03 PM
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Re: If I go back to work we'd be making $200k per year as a couple
It all depends on how much you enjoy being at home with the kids. I will tell you this, even after paying for their college educations, you will still need to hand out money for a long time. Kids suck money out of you like a Hoover, almost forever. Right now, we are paying for my daughter's wedding. Our son has had some health problems and isn't working right now so we are paying all his bills- car pmt., student loan (because he didn't finish on time and ran out of the money we gave him), rent (on an apt. he isn't currently living in). My husband has kept a list of all the extra money we have spent on him since he started college and the tab is 30 thous. dollars that he owes us (before this recent surgery). My husband is going to make him pay up because he thinks that will teach him to be responsible. Other parents I know just support their kids forever, help them buy houses, etc.
Last year we spent a lot of money sharing the expenses on our other child's wedding. Now they are having a baby, so it will be time to spend on the first grandchild soon.It never really ends.
Another thing that you don't think about is that if your kids move out of town and get married,and have kids, you almost need a bigger house for everybody to stay in when they come for holidays, rather than downsizing to a smaller one.
I really enjoyed being a stay at home mom and I ran myself to death taking them places and doing stuff for them.
My friend worked full time and now they have their dream house, but she got really upset when her daughter moved out of town because she felt like she had been cheated out of time with her kids because she worked and had to go to bed early every night, send them to daycare after school, etc. I sometimes wish I had worked all those years like her. If I had been a teacher I could be drawing retirement by now. If I had made 60 thous. a yr like my friend(with her husband making prob. $150 thous. by now, at least) I could have the bigger house that I need now since I practically run a free bed and breakfast for out of towners all the time. I would be able to buy anything I want (my tastes aren't THAT expensive). I can't complain about my life,we have financial security but we still have to budget. I feel like I'm always thinking maybe next year, I can afford to....(whatever). Probably will have to budget all our lives. No high life for me! No expensive new house, no fancy cars, no extensive traveling (of course my kid's new inlaws all have nicer stuff than us, so that sucks!). If I wasn't so old and have health problems I would become a nurse and spend every bit of my salary on getting things I want.
Ricfly52

User ID: 272605
United States
06/30/2009 09:05 PM
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Re: If I go back to work we'd be making $200k per year as a couple
So OP, why have you not went back to work?
Fishing and skiing keeps me a little sane.
Anonymous Coward
User ID: 712683
United States
06/30/2009 09:06 PM
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Re: If I go back to work we'd be making $200k per year as a couple
If it costs you 75k a year to get by then a million dollars is chump change.
Anonymous Coward
User ID: 715165
Puerto Rico
06/30/2009 09:11 PM
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Re: If I go back to work we'd be making $200k per year as a couple
Thanks for your story, AC. Sounds like your money educating and marrying your kids was well spent!

Kids are already grown and gone. I started young LOL

It all depends on how much you enjoy being at home with the kids. I will tell you this, even after paying for their college educations, you will still need to hand out money for a long time. Kids suck money out of you like a Hoover, almost forever. Right now, we are paying for my daughter's wedding. Our son has had some health problems and isn't working right now so we are paying all his bills- car pmt., student loan (because he didn't finish on time and ran out of the money we gave him), rent (on an apt. he isn't currently living in). My husband has kept a list of all the extra money we have spent on him since he started college and the tab is 30 thous. dollars that he owes us (before this recent surgery). My husband is going to make him pay up because he thinks that will teach him to be responsible. Other parents I know just support their kids forever, help them buy houses, etc.
Last year we spent a lot of money sharing the expenses on our other child's wedding. Now they are having a baby, so it will be time to spend on the first grandchild soon.It never really ends.
Another thing that you don't think about is that if your kids move out of town and get married,and have kids, you almost need a bigger house for everybody to stay in when they come for holidays, rather than downsizing to a smaller one.
I really enjoyed being a stay at home mom and I ran myself to death taking them places and doing stuff for them.
My friend worked full time and now they have their dream house, but she got really upset when her daughter moved out of town because she felt like she had been cheated out of time with her kids because she worked and had to go to bed early every night, send them to daycare after school, etc. I sometimes wish I had worked all those years like her. If I had been a teacher I could be drawing retirement by now. If I had made 60 thous. a yr like my friend(with her husband making prob. $150 thous. by now, at least) I could have the bigger house that I need now since I practically run a free bed and breakfast for out of towners all the time. I would be able to buy anything I want (my tastes aren't THAT expensive). I can't complain about my life,we have financial security but we still have to budget. I feel like I'm always thinking maybe next year, I can afford to....(whatever). Probably will have to budget all our lives. No high life for me! No expensive new house, no fancy cars, no extensive traveling (of course my kid's new inlaws all have nicer stuff than us, so that sucks!). If I wasn't so old and have health problems I would become a nurse and spend every bit of my salary on getting things I want.
 Quoting: Anonymous Coward 715088
Anonymous Coward
User ID: 715169
United States
06/30/2009 09:17 PM
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Re: If I go back to work we'd be making $200k per year as a couple
So OP, why have you not went back to work?
 Quoting: Ricfly52

Let's see! If you actually read the Opening post it seems like OP's expecting doom, doing preps, trying to learn how to live off-grid and be self-sufficient.

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