Ah guys sorry I misspoke ! The pet insurance is $3.69 not $369 oops !! 1000% agree $369 for pet insurance would be INSANE !!

@nomercymanagement2316

10 күн бұрын

Why are you even paying for pet insurance? If you are that generous there are starving children in Africa

@HPGSLOTS

9 күн бұрын

How much do you contribute to those kids??? There are starving children within a 10 mile radius of most of us ​@@nomercymanagement2316

@DewTime

9 күн бұрын

@@nomercymanagement2316 people have a right to support whatever it is they want to support.

@hujiastilldreaming

5 күн бұрын

so when your pet gets sick you just let him/her die or something ? buying insurance limits your downward risks especially when your pet grows older they can get sick easily.

@DewTime

5 күн бұрын

@@hujiastilldreaming ignore that guy. Nothing wrong with looking after your pets

This video would be better if you shared the numbers on the screen instead of just talking about them

@DewTime

9 күн бұрын

She won’t do that because then it’s clear her “deductions” is just her voluntarily choosing to save for retirement. So she saves tens of thousands a year on retirement then claims she’s broke. That is hilarious!

Long story short you live in one of the most expensive places in the world and have things like pet insurance. Your lifestyle inflation ate up your income. Also, you can't say it's only 40% after you contribute to 401k, that's still your money and your choice.

@Jamesgalc-gs8wu

9 күн бұрын

Jobs that pay this much are in expensive areas. That's why they pay this much. They're not going to let you keep the money cause they don't have you trapped.

Before I watch the video, I’m 100% confident of one thing. You are stashing tens of thousands of dollars away in retirement accounts and then calling yourself broke because your money is in a retirement account. Let’s see if I’m right.

Your not broke if youre spending $4500/mo on child care and paying pet insurance. If your husband makes nothing on his small business. Hold off and raise the kids. U will never get those precious years back. Im a dad and did it for couple years. A job is a job. Time with my young kids are priceless.

@Jamesgalc-gs8wu

9 күн бұрын

Stupid advice

If the lowest earner doesn't cover child care plus some. They should quit and spend the time with the kids. The kids will appreciate it and the parent will. Why lose money paying for some woman to spend time with them instead.

@anekinoo7

23 күн бұрын

$4500 a month for child care for two kids 😂. Husband should just temp hold on his small business if he makes next to nothing.

@aptvdvd

9 күн бұрын

That is very true.

First thing I'm noticing is that your gross for this last pay period only adds up to $200,000 a year. Is this a commission based job where your pay varies from pay period to pay period? But then you explained it. Thank you. Here are my thoughts 1) You're in the Bay area, that is a very expensive area to live in. Those daycare rates are very expensive, but that won't last forever. 2) I see you're contributing to your retirement account, that's awesome, even a small percentage of $300,000 will add up quickly. 3) Are you taking into account the fact that you should get a tax rebate based on the money you pay for childcare? Thank you for sharing, and being so honest about everything. It's nice to hear unvarnished perspectives.

We don’t care about the sensitive info. We just want a visual of the audio you’re describing. This is a KZread video not an audio podcast. You could’ve just shown us a spreadsheet like other ppl have done for centuries 😅. I apologize for my rudeness. I hope everything works out. Thank you for sharing your story.

@DewTime

9 күн бұрын

She won’t do that because she doesn’t want you to see the thousands she’s saving in her 401K. That goes against the “I’m broke” narrative

Your husband needs to contribute much more to this family. That could be by actually getting a job that pays or becoming a stay at home parent to take care of the kids and all the household chores.

It's not broke if you are contributing high dollar amounts to 401K/retirement, which seems to be the case. The childcare expense is temporary and a choice given that the husband is building a small business. My guess is that it is a startup, so functionally the childcare expense is an investment. If dad stays home with the kids, the household disposable income would increase by $50,000/yr. Honestly, it increases by a bit more because it is easier to be frugal when you have a stay at home parent.

@DewTime

9 күн бұрын

💯

It's the bay area, viola! Somewhere else $300k would be huge.

@Jamesgalc-gs8wu

9 күн бұрын

Jobs that pay this much are in expensive areas. That's why they pay this much. They're not going to let you keep the money cause they don't have you trapped.

I commend you for sharing this information with us

very honest review,, i know because I have been through this and what ever u r saying is 100% true

This is kind of silly nothing video. Her family is doing fine. So shes actually netting 65% not the 40% stated in the video. 10788 a month on 200k salary minus the 7500 rent and childcare nets 3288 a month. Fine, go ahead spend all of that and save the rest, which is the bonus and RSUs 6k bonus and 40k RSU call it 50k, (vs the 100k vakue on signing of the contract). Net on that is, call it 24k. Which is 2k a month and a decent 9.6% savings rate on a 250k total compensation. Plus 401k.

This video was made to generate income no way she needs to budget on 300k in the Bay Area. This is such cap reposting this is how she intends to make moeny

It would be easy to screen shot and blur out the confidential information. Not sure why your channel came up on my feed. You are rich and should just move to another area of the country.

@DewTime

9 күн бұрын

She doesn’t want to do that because then we’d see the thousands of dollars going to her 401K. It goes against the clickbait nature of the video

@Jamesgalc-gs8wu

9 күн бұрын

​@@DewTime dumbest comment😊

@Jamesgalc-gs8wu

9 күн бұрын

Jobs that pay this much are in expensive areas. That's why they pay this much. They're not going to let you keep the money cause they don't have you trapped.

@DewTime

9 күн бұрын

@@Jamesgalc-gs8wu huh? I make $200K a year in Seattle. Wife makes $400K a year. I know how these jobs operate. Prove to me she isn’t putting thousands in her 401K. In her video she says “deduction, deduction ”. That’s 401K, HSA, and probably an employer stock plan where she can buy stock at a discount.

@Dhuzunga

9 күн бұрын

​@DewTime bro. You can only contribute up to $23K in you 401K unless you are not maxed and have a lot of contribution room.

A tweak suggestion: Increase your W4 withholdings so you can net more money each paycheck (pay less taxes each paychk) but be sure to not increase it such that you need to pay on April 15.

her math doesn't add just. 2 week pay period $4600 net pay after taxes is 34% overall deducrions and tax.

@DewTime

9 күн бұрын

It adds up perfectly once you consider she’s socking a way a ton of money in retirement accounts. That’s how she gets away with calling herself broke

@yellowjoe.2000

9 күн бұрын

@@DewTime maxing out 401k is 15% tops.

@DewTime

9 күн бұрын

@@yellowjoe.2000 it’s not. You’ve never heard of mega backdoor Roth. It’s something available to these high income tech workers that allows them to contribute over $50K in a 401K.

Your efforts are definitely paying off! Being able to raise children is a remarkable accomplishment, and it's just one of the many rewards that come from your dedication. Keep an eye on your expenses and recognize that your income surpasses that of many others. You contribute more in taxes than most people bring home!

@anekinoo7

23 күн бұрын

She pays $4500 a month on child care. Claims husband doesn’t make anything on his small business. The dad should just stay home and raise the kids. Thats 4500 saved a month. Shes not broke. Broke people dont spend 4500 on child care.

@anon556

23 күн бұрын

This is broke person language. Who gives a fuck how much taxes you pay or how much you make in comparison to someone else? If you are broke you are broke and you are the problem. Using the bad behavior of others of justify your own bad actions doesn't make what you did any less bad. It makes it far worse. The average person is doing absolutely abismally so doing "better than them" doesn't mean you're doing good. Stop making excuses and using dumbass mantras to make yourself feel better about your bad choices and fix the situation. Raising the type of children that will spawn from this are not a net benefit to society either... Blowing smoke up someone's ass and avoiding the reality of their situation does nothing to help them.

If I were in your shoes I’d cut the daycare and have your husband take care of the kids until you’re done working. Then if he can work afterwards and make around $2000 a month either in Uber or a warehouse job I also think you should either live somewhere in the bay that’s cheaper (I’m from the bay) there’s plenty of places in the east bay that are around 2300-2500. Same with Daly City I also think if you do stay in SF you should get rid of both cars and muni/Bart to work. You do those 4 things you save a good 85k annually probably more.

Sounds like the thing you should be paying for is a financial advisor

The Bay Area cost of living is wayyyy to high sorry you have to deal with that u completely understand your situation

Dave Ramsey book total money makeover. How much is that credit card debt, cars, and etc. a proven way to find a way by using the baby steps

$4500 for daycare? You're getting ripped off. Find another. Daycare shouldn't be more than $1300 per child in CA. Many people even get it free (fully subsidized which is roughly $1100), but you won't qualify for free with that income. And living in the Bay Area not even worth it. Find another location for lot cheaper...

I don't follow. Your YTD net pay suggests your net pay is abut 15k/mo. You accounted for what you do with about half of that... Gonna go watch the next video. I applaud you for taking some time to think about it though. That's definitely a step in the right direction.

What city are you based in as that will cause how much you taxed on your taxes...

You could save 2800$ a month if your child attend public school. I also live in the bay area, we need to have 2 incomes . Ask your husband if he can take care of the younger kid instead of sending him to child care. With this high spending , it’s very stressful.

@hujiastilldreaming

2 күн бұрын

there is no public schools for daycare, my children are 3 and 1

I have never heard of Daycare being 2.5K. Sounds like you need to move, lol. That area is insane!

What do you do for work?

With 130K take home, I would be retired in 10 years... easily, lol. You probably have too much house. I'll listen to the rest and see.

@tomw485

23 күн бұрын

She lives in the Bay Area. A 1500 sq foot house can run you upwards of 2 million. She doesn’t have too much house. She just lives in the most expensive area in country. Housing costs where she lives are probably 5x of where you live.

Ma'am.....you need to look at relocating out of CA. Between cost of living and state taxes, you will never be able to get ahead.

how is that possible that you have to spend so much on the kids? Is that normal for an average kid there? Isnt there some government support (or tax relief) based on number of kids?

@anon556

23 күн бұрын

So you think this rich lady should get a hand out off the backs of working class people who weren't stupid enough to have kids they didn't care to parent because she can't manage her expenses and chooses to live in the most financially oppressive location in the world? She is more wealthy than 98% of Americans... Fix your fucking brain.

What job do you do to make $300k/year?

@latoyaowens3645

9 күн бұрын

Tech jobs.....they pay very well. She's a software engineer and they are in high demand.

Yeah, the bay area is terrible for non-millionaires. If you could work remotely, I would consider literally anywhere else. You could live in a mansion for 3k a month where I'm from.

My husband and I have 2 kids. Not including childcare or housing, we can live on $2000/mo which goes to food and essentials. It sounds like you need to get rid of your car payments maybe downgrading in vehicles. If you have $2500k leftover after childcare and housing you can make it. We dont have car payments and live comfortably. We refused to take out a car loans. Our monthly spending averages to $3500/mo but thats including our trips and frivolous spending. I really hope that you can look at your spending differently and figure out how to live less than you make. Good luck!!

@anon556

23 күн бұрын

But she doesn't want to. She wants to live a high class life that she cannot afford. She MUST maintain and image of status. Leaving or downgrading is like death. It's the mental illness of Californification

Woe get rid of that pet insurance 300+ a pay period is insane. Reduce your retirement withholdings those 2 things alone will free up a ton of money every year. My kids went to preschool for free.

$4500 for daycare ????? You are obviously way overspending for that. Must be a really high end / expensive day care. If your husband is not making money with his business you have 2 possible decisions. He should close the business and watch the kids, that saves u $4500. Or he closes the business and gets a job that pays …. Sucks but that is life. One other thing you might want to think about is move out of the Bay Area / California, it is oppressive!!

@hujiastilldreaming

9 күн бұрын

$4500 for 2 children, out of which 1 is a baby so more expensive, avg daycare cost in bay area is about $2000/mth

I know a coupe both making 80k and they’re living paycheck to paycheck! They literally financed two brand new Lexus’ about $900 /m each car not including insurance. Both cars demand premium gas!!

This is a good example of how it does not matter how much money you make..But what you are doing with what you do make even a person who makes 50 to 100000 thousand can be wealthy but you need to invest it into things that can offset your taxes like properties...Without that you are just a duck sitting in a pond in a land full of Shotgun Hunters..

@anon556

23 күн бұрын

Poor person language.

@sbfhawk4343

23 күн бұрын

@@anon556 Quite the opposite I never made more then 70000 thousand in my time yet my Assets and stocks are well over 1.5 Million So how do you explain that?

We need free day care

@ohgodwhat1

23 күн бұрын

So more taxes taken out of the paycheck ? I thought adults know free isn’t a real thing.

Yea your husband needs to get the beaters. Let's not beat around the bush there. As much as the dating market is trash it's time for your hot girl summer. Give him the kids and pay chsup turn up

Yeah, you gotta turn your husband into a MR. MOM and start buying an owner-occupied rental income property like a 2-4 family unit property with an FHA mortgage that only requires a 3.5% down payment. Also, the FHA underwriter will take 75% of the rental income from the unit(s) you rent out and add it directly to your reported income = you will qualify hands down with your income(s)!!!!!!!!!! And your hubby can manage the property(s) and the FBA in his spare time while helping to raise the kids!!!!!!!!!!!!! Get rid of the air bnb's unless they are condos you can rent out with yearly leases!!!!!!!!

My husband makes 155K a year and our net income is $10,300 (I'm currently not working). Your numbers doesn't add up. Of course we moved to TX from CA (OC to be exact) so there's no state income tax. We don't invest in 401k, just real estate with 3% interest rate. We're still able to save 4K a month if we splurge since we don't have kids, car payment, or debt except monthly bills, and two golden retrievers which they don't eat much. I say move somewhere else or husband needs to stay home to take care of the kids.

Damn, you're working for the government.

I think I know who the target audience of this video is, apart from the click bait nature of it. You made this video for your extended family outside the country who keep asking you for money. In the beginning of the video you said “… the states”. That’s the kind of thing you say if you’re conversing with someone outside the states. You’re essentially trying to convince them that you’re too poor to lend them any money. In reality you are illiquid, not broke.

This is just very confusing trying to listen rather than having visuals. Already so lost at how you're paying 53% into taxes. Maybe it's a california thing, but it seems odd. Cost of living in an area can make a large paycheck tiny. I'm earning less than you but I save a far greater amount each year living in a lower income area. I'd say you really have to appreciate the area you're living in for it to be worth it.

@swiggs1999

23 күн бұрын

Well when you do the math it appears she is contributing about 12% to retirement. When the average american is contributing between 3-5%. Not to mention she has the luxury of pet insurance that's over $300 a pay period. Complete waste of money. Might as well have a bonfire with it. This is a clear case of "I don't know how to mange money. Please feel sorry for me."

@DefinitelyNotRin

23 күн бұрын

@@swiggs1999 Yeah I listened again and I think the 53% taxes is actually taxes + insurance + retirement. Basically every penny deducted before it reaches her including tax. So that does make sense. Though the pet insurance is silly. I am wondering if there's a way to reduce the retirement savings. If the company is matching a large % of it, then it might be worth continuing to do 12%. At least be maxing out whatever the company is matching. It does sound like a little mismanagement of money though. People see a 300k income and spend it all. I make less than half of that 300k and it sounds like I'm saving probably 50% more than her each month by living cheap. They gotta figure the dad's income out or just make him a stay at home dad lol

Consider that the median income working American earns about $60K gross per year at their job.

@anon556

23 күн бұрын

Californification. Mental illness.

@FATnocturnalKID11

23 күн бұрын

She said she lives in San Francisco like 10 times. The median income there is $170k

I just watched a video about people who have to live off of picking trash from a giant trash pile; little did I know the KZread algorithm would follow it up with a video of someone in an even worse situation. I can't imagine only making 300k. Maybe we can all start a GoFundMe for you. Grow up

Move to Portland and lose the dog. Find a career in Portland Oregon leave the bay seriously. You’re not saving after 401k you and you’re spending way too much of your gross on housing. Now is the best time to search in Portland especially in tech and start over.

If your husband doesn’t make 2500 a month. It’s time to cut his losses. You make way more than enough money. He needs to let his ego go and take care of his kids

@mrstud559

23 күн бұрын

Your going to measure a spouse based on their income? Women like you probably won't last long in a marriage to be honest lol. You married a man based on his characteristics and heart, not his sole income. I hope your partner cuts you loose soon based on your toxic judgement. Men can provide more than just money. Go change a tire or carry a sofa, you don't have that physicality to do it by yourself

It's your expenses and consuming habits. Needs vs wants. Going out for food instead of cooking. With 300k and 120net you definitely can make it. If you showed your spending habits and receipts it would be embarrassing.

@FATnocturnalKID11

23 күн бұрын

She said she spends $90k on child care and rent. Theres not really a way around that in San Francisco. Unless the husband were to closed down his small business and take care of the kids, or find a job somewhere else. That leaves her with $2,500 a month to spend on everything. Who knows if she has a car payment, groceries for 4 etc,.

@anekinoo7

23 күн бұрын

@@FATnocturnalKID11 she said one child 2500 and other one is 2000. 4500 per month. She also said the husband small business doesn’t contribute anything. Just be a stay at home dad. Thats $4500 saved every month.

no amount of money can save irresponsible people, you can earn 1,000,000$ a year and still have the same problem, the problem is not the money is you

@hujiastilldreaming

5 күн бұрын

yes I will be making $1M a year and will still not be satisfied at that and keep going and working harder to earn more, I will be sending my kids to best schools and providing them with the best environment and everything and still not be satisfied, I will be a billionaire by 40 and still not satisfied. My problem and unwillingness to settle for what I have will keep me going til I change the world for the better while you are happy with your $50k/year and living in parents' basement and laugh at me for making $300k.

@hujiastilldreaming

5 күн бұрын

yes I will be making $1M a year and will still not be satisfied at that and keep going and working harder to earn more, I will be sending my kids to best schools and providing them with the best environment and everything and still not be satisfied, I will be a billionaire by 40 and still not satisfied. My "problem" and unwillingness to settle for what I have will keep me going til I change the world for the better while you are happy with your $50k/year and living in parents' basement and laugh at me for making $300k and spend that on raising kids.

Cut the childcare. It sounds like your husband needs to put his business plans on hold until your youngest is in first grade. That will free up a ton of money. Otherwise, it'll be very hard for your family to build wealth.

@anekinoo7

23 күн бұрын

Blew my mind when she said she spend 2000 on day care and 2500 on preschool. Thats 4500 a month. No shame at being q stay home dad. I did it for couple years to save money on child care. After 10yrs old kids dont want to spend time with their parents. Enjoy the time with your kids. You will never get those years back.

I don't understand this at all - you earn $300K but only receive $120K - so you give away the difference in something called Tax. What is all this Tax for and why do you give it all away ? It makes no sense. I have lived and worked in Dubai for the last30 years and I have never paid a single $ in Tax. No one here has to pay any Tax on their income - it might just be you are not living in the right place.

300k us buys a great house with a yard in a nice suburb. Live with relatives or friends cheaply and save your money,.2 years and you can retire

@anon556

23 күн бұрын

You might want to update your prices from 30 years ago. Where the hell do you think she's going to find that in the bay area? If she was willing to leave California in the first place this video wouldn't exist. She cares much more about status and image than anything else. She spends far more than the vast majority of Americans make in a month on the nicest daycares in the country for her kids... Woman is loaded. If she wasn't infected with liberalism she would already be a multimillionaire.

You choose all of this. Every bit of it. Guess I didn't understand the context of your video

Hi, do you want to have some children? I live in Southern California 🤣

$300,000 my arse. That equates to 11,538.46 per bi-weekly pay period. I hope you don't work in finance. You are clueless about taxes.

It's your cocaine problem.

@merlin6180

23 күн бұрын

lol wtf

@tonyahenry4167

5 күн бұрын

Bruhhh😂😂😂

Socialist taxes. The more you make the higher percentage they take. Your deemed ineligible for certain savings plans (like a Roth IRA) Before Obama and Biden I could make 75k/year and cover everything. Now at over 250k and new taxes/inflation its a struggle.

@hailtothecreep

23 күн бұрын

Well the current tax brackets were put in place by the 2017 Trump tax law. So that makes the Trump tax law socialist then lol. So remember that in November! Don't vote for that damn socialist Trump!!!

@oboe23able

23 күн бұрын

If you were fine at 75k a year in 2008 and are struggling at 250k a year now, thats a "your budget" problem lol.

@enigma02g

23 күн бұрын

@@oboe23able It's called Bidenomics, with a swift kick from Obamanomics to start. Everything is roughly 125% as much, so 250 would have been 125k. Combine that with increase in taxes, capital gains, and taxes doubling on items that have doubled and suddenly 125k is the lifestyle equivalent of around 60-65k. Example. A big mac meal has tripled in price but food tax has gone from 4.5% to 10% so double the tax on triple the item. Personal property tax, inability to deduct 2nd mortgages. The list goes on.

@tomw485

23 күн бұрын

@@enigma02gIt’s not 125% it’s about 45% more since 2008

@enigma02g

23 күн бұрын

@@tomw485 No. Just plain and clearly no. Middle class inflation is around 74% just since Biden took office. Insurance jumped 21% just in 2024, fast food is up 2-300%, fuel, energy, housing, education. The only thing in this world not up is the costco hotdog

Chinese people are notorious for living below their means and most foreigners as a whole. But youll are different. If you are making 120k after taxes and your rent is only $3500 its no way you should be struggling. Your husband need to just let that business go for now and take care of if the kids during the week that will free up $4500. You need to get rid of that insurance on that dog. And the only health insurance you need is for your children. Chinese people almost never get sick. You teally don't need no health insurance until you are like 50 and thts a conservative age. You can always go to the free clinic if an emergency happen. But paying thousand of dollars on insurance when you are in your late 20's early 30's is crazy. I'm in my 40's and i go to the free clinic. When they ask for your W2 just tell them you will being it next time and clinic will charge you a co pay fee of like $20. You and your husband need to go through all your bills, subscription and membership and get rid of them. Youll shoulc probably sell one if your luxury cars. Youll need to teally stop eating out so much. You and your husband make enough money that you should be able to invest at least 12-20k a year between A 401k, roth ira, an hsa and index fund. If you cut expenses and invested 12-20 kin the stock market youll could easily be millionaires by 55. I make 45k a year after taxes and im investing 24k a year. I hve no debt which gives me alot of exposable income. If youll took a hard look at your expenses you vould easily free up 10k to invest every month

@hujiastilldreaming

5 күн бұрын

yes I will be making $1M a year and will still not be satisfied at that and keep going and working harder to earn more, I will be sending my kids to best schools and providing them with the best environment and everything and still not be satisfied, I will be a billionaire by 40 and still not satisfied. My problem and unwillingness to settle for what I have will keep me going til I change the world for the better while you are happy with your $45k/year and living in parents' basement and laugh at me for making $300k.

@pmb7927

4 күн бұрын

​@@hujiastilldreamingyou were close but no cigar. My mom doesnt have a basment. But I am blessed to live rent free. I'm taking full advantage of it too. At the end of the day its not how much you make its how much money you keep and i'm keeping every dollar of my salary. My life is so simple i dont have student loans, credit card debt, no mortgage none of that so I'm investing 2/3 of my salary every year and if i can get this part time job that will be an extra 10k a year to invest. I might make way less money than you but I'm maximizing every dollar. You make 300K a year and you dont even own a house. You are married to a bum. What type of man allows his wife to be the breadwinner for his family? How does your husband have a business that doesnt even make any money? I'm pretty sure you have crazy college debt, credit card debit you said you eat out alot and by your own admissions you cant afford it. Plus you have two luxury cars youll can't afford which is a liability. Yeah, you make 300k a year but you are poor. How do I know ? You already said half of your goss salary is going to taxes, than you got 2 luxury car loans, daycare, private school, rent, etc. So when you do the math you dont have any exposable income to build wealth..again, success is based on how much money you keep after expenses. You can make a million dollars a year but if your liabilities are a million and five dollars you are poor. You mentioned you got pet insurance wtf. Chinese people view dogs as a steak. Youll eat dogs since when youll started insuring dogs. Since when has a dog been a china man's best friend?