f*a
2 楼
Fixed cost:
Fed + SS + State income tax ~ 25% * 240K= $60K
Utility, food(with 2 kids), gas, insurance, etc = $3K * 12 = $36K
401K for dual income = $16K * 2 = $32K
Child care (<5 years old) = $2.5K * 12 = $30K
You are left with: 240 - 60 - 36 - 32 -30 = 82K
Assuming $1 million house with 1.25% prop tax:
prop tax = 12.5K
mortgage $729K = $4K * 12 = $48K
You have: 82 - 12.5 - 48 = $21.5K left over for traveling/investing/kids
Doable with 24w income, but not with 20w income
Fed + SS + State income tax ~ 25% * 240K= $60K
Utility, food(with 2 kids), gas, insurance, etc = $3K * 12 = $36K
401K for dual income = $16K * 2 = $32K
Child care (<5 years old) = $2.5K * 12 = $30K
You are left with: 240 - 60 - 36 - 32 -30 = 82K
Assuming $1 million house with 1.25% prop tax:
prop tax = 12.5K
mortgage $729K = $4K * 12 = $48K
You have: 82 - 12.5 - 48 = $21.5K left over for traveling/investing/kids
Doable with 24w income, but not with 20w income
v*a
3 楼
很多久经考验的Lab都跟大校同志一样倒下来
现在还有哪儿能去?
现在还有哪儿能去?
a*e
4 楼
跟了hero!谢主席!
s*p
5 楼
啥小孩一个月要2千5?
听说过最贵的daycare也不超过2千啊。
听说过最贵的daycare也不超过2千啊。
t*y
6 楼
大校同志 是哪?
b*r
7 楼
我觉得HERO好,但很多新手不会敢跟。
k*a
10 楼
谢谢主席,不过今天决定休息,不跟。
r*q
11 楼
多谢!我完全忘了401k乐。
【在 f*****a 的大作中提到】![](/moin_static193/solenoid/img/up.png)
: Fixed cost:
: Fed + SS + State income tax ~ 25% * 240K= $60K
: Utility, food(with 2 kids), gas, insurance, etc = $3K * 12 = $36K
: 401K for dual income = $16K * 2 = $32K
: Child care (<5 years old) = $2.5K * 12 = $30K
: You are left with: 240 - 60 - 36 - 32 -30 = 82K
: Assuming $1 million house with 1.25% prop tax:
: prop tax = 12.5K
: mortgage $729K = $4K * 12 = $48K
: You have: 82 - 12.5 - 48 = $21.5K left over for traveling/investing/kids
【在 f*****a 的大作中提到】
![](/moin_static193/solenoid/img/up.png)
: Fixed cost:
: Fed + SS + State income tax ~ 25% * 240K= $60K
: Utility, food(with 2 kids), gas, insurance, etc = $3K * 12 = $36K
: 401K for dual income = $16K * 2 = $32K
: Child care (<5 years old) = $2.5K * 12 = $30K
: You are left with: 240 - 60 - 36 - 32 -30 = 82K
: Assuming $1 million house with 1.25% prop tax:
: prop tax = 12.5K
: mortgage $729K = $4K * 12 = $48K
: You have: 82 - 12.5 - 48 = $21.5K left over for traveling/investing/kids
w*d
13 楼
主席给看看siri是不是不行了,要割吗!
w*u
16 楼
HERO最近很硬,不过我还是不敢跟。。。。
s*e
20 楼
讨论这个呢
http://www.mitbbs.com/article_t/SanFrancisco/33414865.html
【在 s**p 的大作中提到】![](/moin_static193/solenoid/img/up.png)
: 莫非2娃是标配?
: 0娃1娃3娃4娃5娃的咋办
http://www.mitbbs.com/article_t/SanFrancisco/33414865.html
【在 s**p 的大作中提到】
![](/moin_static193/solenoid/img/up.png)
: 莫非2娃是标配?
: 0娃1娃3娃4娃5娃的咋办
m*g
23 楼
多谢主席 跟hero
t*s
24 楼
吃得太多。p-tax标准是~1.1%。 401k放满的话应税收入少$33k,还有flexible
$5k。所有税不需要$60k。$729k贷款也不用$4k/month。
【在 f*****a 的大作中提到】![](/moin_static193/solenoid/img/up.png)
: Fixed cost:
: Fed + SS + State income tax ~ 25% * 240K= $60K
: Utility, food(with 2 kids), gas, insurance, etc = $3K * 12 = $36K
: 401K for dual income = $16K * 2 = $32K
: Child care (<5 years old) = $2.5K * 12 = $30K
: You are left with: 240 - 60 - 36 - 32 -30 = 82K
: Assuming $1 million house with 1.25% prop tax:
: prop tax = 12.5K
: mortgage $729K = $4K * 12 = $48K
: You have: 82 - 12.5 - 48 = $21.5K left over for traveling/investing/kids
$5k。所有税不需要$60k。$729k贷款也不用$4k/month。
【在 f*****a 的大作中提到】
![](/moin_static193/solenoid/img/up.png)
: Fixed cost:
: Fed + SS + State income tax ~ 25% * 240K= $60K
: Utility, food(with 2 kids), gas, insurance, etc = $3K * 12 = $36K
: 401K for dual income = $16K * 2 = $32K
: Child care (<5 years old) = $2.5K * 12 = $30K
: You are left with: 240 - 60 - 36 - 32 -30 = 82K
: Assuming $1 million house with 1.25% prop tax:
: prop tax = 12.5K
: mortgage $729K = $4K * 12 = $48K
: You have: 82 - 12.5 - 48 = $21.5K left over for traveling/investing/kids
y*o
25 楼
给力
f*a
30 楼
b*t
34 楼
Is it really true that Fed + SS + State income tax + FICA is around 25% for
income of 240K? I thought State income tax is ~10% by itself.
【在 f*****a 的大作中提到】![](/moin_static193/solenoid/img/up.png)
: Fixed cost:
: Fed + SS + State income tax ~ 25% * 240K= $60K
: Utility, food(with 2 kids), gas, insurance, etc = $3K * 12 = $36K
: 401K for dual income = $16K * 2 = $32K
: Child care (<5 years old) = $2.5K * 12 = $30K
: You are left with: 240 - 60 - 36 - 32 -30 = 82K
: Assuming $1 million house with 1.25% prop tax:
: prop tax = 12.5K
: mortgage $729K = $4K * 12 = $48K
: You have: 82 - 12.5 - 48 = $21.5K left over for traveling/investing/kids
income of 240K? I thought State income tax is ~10% by itself.
【在 f*****a 的大作中提到】
![](/moin_static193/solenoid/img/up.png)
: Fixed cost:
: Fed + SS + State income tax ~ 25% * 240K= $60K
: Utility, food(with 2 kids), gas, insurance, etc = $3K * 12 = $36K
: 401K for dual income = $16K * 2 = $32K
: Child care (<5 years old) = $2.5K * 12 = $30K
: You are left with: 240 - 60 - 36 - 32 -30 = 82K
: Assuming $1 million house with 1.25% prop tax:
: prop tax = 12.5K
: mortgage $729K = $4K * 12 = $48K
: You have: 82 - 12.5 - 48 = $21.5K left over for traveling/investing/kids
h*r
39 楼
跟英雄!
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