Sumit Roy
Region: US
Wednesday 06 May 2026 22:46:13 GMT
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. :
paycheck to paycheck is much different at different levels. finding food vs maxing out your 401k can both be paycheck to paycheck depend on your income
2026-05-06 22:52:21
48
Yaforsure :
It’s because these people who make 500k are actually 200k base salary + 300k bonus. They don’t see most of their total comp until the end of the year so they are genuinely going pay to paycheck all year and then they do a lump sum investment once their bonus comes in.
2026-05-07 02:40:13
8
John :
Seems like a spending issue
2026-05-07 11:11:01
4
Trader Mort :
This is false but at the same time is true. If you’re making that kind of money and you go out and get a Range Rover and your wife gets a Range Rover and it’s 2000 bucks a month car payment then you have your mortgage at 5000 a month then all your insurance yes you’re living in paycheck.
2026-05-07 04:01:59
4
bayapple22 :
It’s the morgage
2026-05-07 15:53:30
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User15seth79 :
You’re spot on. The more you make, the more you make your life more comfortable. Housekeepers, private school tuition, nicer home in nicer locations, nicer cars, better vacations etc. also maxing out retirement and picking the best healthcare plan
2026-05-07 00:19:21
3
b2izzo :
There’s an even more simple answer here; which is you can’t only measure one side of an equation. How much you make is irrelevant unless you also consider what is their cost of living. Typically the highest paying jobs are in the highest cost areas to live. So if you take income - expenses then you measure actual take home. While you’re somewhat taking into account that people’s cost to live can increase as they enrich their lives; the key piece of this analysis that is missing is that not all of that cost increase is discretionary. Taxes make the same generic approach based on income largely with minimal thought to cost of living. It’s basically an imperfect analysis just like tax system is also an imperfect taxation system.
2026-05-07 03:15:28
1
Camp43 :
As income grows, so does the Jones’ income.
2026-05-07 00:25:56
2
iamyouyouareme :
You're missing a big one. Usually at that salary you bring in more than you need so rather than have it accumulate in a checking account they schedule automatic investments every week or month. That way it feels like they don't have it available to spend.
2026-05-07 02:38:53
3
user3173868422426 :
In addition to what you said it’s probably an attribute of the definitions. Making “meaningful contributions” to savings if you’re earning $50k is much different to if you’re making $500+k where expectations of “meaningful” savings are likely much higher.
2026-05-06 23:48:58
1
mikozip1 :
When you make a good amount of money, one of the best things you can do for yourself is keep your expenses reasonable. Like a very fancy car isn’t really going to make most people happier than having the peace of mind that your financially stable and can give back to the world
2026-05-06 23:02:57
1
SternQuasar :
Annual — Health insurance $30k min. College $25k to $100k per kid. Mortgage? Food? HOA fee, other insurances??
2026-05-08 13:28:44
1
Ant | San Francisco :
I used to blow my entire paycheck because I had money and didn't plan to retire because I didnt mind working. Now I'm tired and cut my expenses by a ton. I now invest about 60% of my pay.
2026-05-07 12:54:31
0
adoringconspiracy :
Great analysis of a controversial subject
2026-05-07 16:52:57
0
Userr7777888878 :
Yes
2026-05-07 01:45:23
3
DeepNeuro :
sell your Range Rover and buy a Hyundai
2026-05-07 13:03:43
0
S D 87 :
Let’s say you make £300k a year. Income tax plus national insurance is around £150k. Mortgage/rent £6k a month. Two kids in private school at £30k each, car payments £1k a month and immediately you are left with £6000. With that you need to pay bills, food, holidays, health, gym and everything else. It’s game over
2026-05-11 07:16:20
0
Jet9 :
Taxes 🤣😂
2026-05-09 17:22:49
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Cabreezy.builds :
It’s because it’s a stupid survey with a dumb question. Didn’t ask people if they’re living paycheck to paycheck just if they’re having a difficulty at attaining long-term goals. Those are two completely different questions.
2026-05-30 02:58:39
0
FredLA :
I am wondering if you could do a post covering the options trading
2026-05-27 19:18:46
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JerryJones2000 :
That's why everyone has to realize that we have a spending problem in the US not a revenue problem
2026-05-23 10:02:30
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user2821776133895 :
Wife and I make 275k annually, max out 401k, have two kids in care ($2800 monthly), 2k mortgage, no other debts or weird bills, we break even most months. We’re not big spenders and eat at home 80% of our meals. I don’t think we realize how expensive everything has gotten and how fast. Don’t have a car repair, and a child go to the emergency room in the same month.
2026-05-14 16:57:13
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user000765415898 :
normal. it depends a lot on your leverage borrowing to invest in asset. If you leverage at 90% of you income then you always live paycheck to paycheck.
2026-05-09 16:12:39
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Passer_by :
$500K is the new 100K !
2026-05-09 02:26:11
0
kebesaworld :
that is because the 500k ppl are paying 200k on taxes and buying 2 million dollar homes
2026-06-08 13:03:25
0
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