年薪十萬的悲慘生活

我在中部, 年薪十萬應該可以過上尚可的生活了. 實際上咋樣呢? 看看我最近的一張Paycheck, 同學們請指點指點如何省稅:

Pay period: 10/16-10/31

Earnings: $4100

=============================Tax

Fed Tax: $246.58

Fed Med/EE: $56.96

Fed OASDI/EE: $164.98

State Tax: $114

City Tax: $26.98

===============================Before-Tax Deduction

Medical Insurance: $128

Dental: $16

Vision: $9.57

401(k): $1230

FSA: $20.83

=================================After-Tax Deduction

Supplemental AD&D, Life Insurance, etc: $6.36

====================================================

Net pay: $2079.74

Monthly net pay: $4159.48

===================================================

各項開支:

Mortgage/Property tax: $1500

Food/Gas/Cable: $1500

Utility/Cloth/misc: $1200

===============================================

節餘: -$41

大家說, 該咋辦?

所有跟帖： 

• 你這是餿主意，本末倒置 -sfbayparent- ♂ (0 bytes) () 11/04/2012 postreply 23:55:57

• change cable to dish network/directv -sneezy888- ♂ (0 bytes) () 11/03/2012 postreply 10:02:43

• 幾個孩兒呀？ -時髦媽媽- ♀ (0 bytes) () 11/03/2012 postreply 10:12:10

• 401(k): $1230 太多了。 -相對強度- ♂ (0 bytes) () 11/03/2012 postreply 10:16:23

• ur 401k contriubtion is over annual limit 16,500 -capital495- ♂ (0 bytes) () 11/03/2012 postreply 10:43:59

• 靠，你的食物，汽油，能源花費那麽多？比美國人還美國人，　牛氣 -knp- ♂ (0 bytes) () 11/03/2012 postreply 10:49:38

• 有錢人BSO -關鍵字- ♂ (0 bytes) () 11/03/2012 postreply 10:53:32

• "Utility/Cloth/misc: $1200", 太多。 -老黃牛888- ♂ (0 bytes) () 11/03/2012 postreply 10:58:32

• BSO,年薪十萬還悲慘讓大部分五萬的人跳樓嗎 -Zhudi- ♀ (0 bytes) () 11/03/2012 postreply 11:17:02

• 不是說美國隻有45%的人收入超䞗5萬 -zhudi- ♀ (0 bytes) () 11/03/2012 postreply 11:20:31

• 沒看出有啥問題？ -texastrader- ♂ (29 bytes) () 11/03/2012 postreply 11:17:45

• 還有mortgage開支過大。 -texastrader- ♂ (62 bytes) () 11/03/2012 postreply 11:28:09

• TT,你車子上的開銷也很大吧？LOL -千裏66- ♂ (0 bytes) () 11/03/2012 postreply 11:35:20

• 美國有沒有坦克車賣的？有的話我去買一個。 -texastrader- ♂ (0 bytes) () 11/03/2012 postreply 11:59:41

• 在東西兩側，叫或找個,老婆也去工作. -小老百姓- ♀ (0 bytes) () 11/03/2012 postreply 11:24:03

• 最後兩項至少可省一半 -xiache- ♂ (0 bytes) () 11/03/2012 postreply 12:06:55

• 最後兩條不細，主要從這裏想辦法；另401K過多；反稅木有記錄。 -靜林動虎- ♂ (0 bytes) () 11/03/2012 postreply 12:12:55

• Rich people BSO, 嘿嘿 -瞎問瞎說- ♂ (0 bytes) () 11/03/2012 postreply 12:30:55

• No 401k, 每月應剩千三，加年終有稅退。 -梁山sl- ♂ (0 bytes) () 11/03/2012 postreply 12:42:25

• he has to pay $5000 more tax at the end of year! -gccard- ♀ (0 bytes) () 11/04/2012 postreply 19:26:20

• 401k contribution exceed what IRS allows -Mason- ♀ (69 bytes) () 11/03/2012 postreply 13:05:42

• 401k contribution only up to the company match -Jeepster- ♂ (0 bytes) () 11/03/2012 postreply 13:13:06

• you can contribute more than what the company can match -Mason- ♀ (78 bytes) () 11/03/2012 postreply 13:40:41

• my point is, any contribution above employer match -Jeepster- ♂ (121 bytes) () 11/03/2012 postreply 17:06:32

• 401K = 1230 * 24 = $29520. Half of it is not tax deferred -gccard- ♀ (0 bytes) () 11/03/2012 postreply 18:12:45

• Not real case LZ made it up. Tax withhold is too small -gccard- ♀ (0 bytes) () 11/03/2012 postreply 19:06:32

• Lol -Code4Meals- ♂ (8 bytes) () 11/03/2012 postreply 19:42:46

• 你應該高興才是 -Code4Meals- ♂ (76 bytes) () 11/03/2012 postreply 19:11:21

• too much 401k -helga- ♀ (0 bytes) () 11/03/2012 postreply 21:52:44

• Utility/Cloth/misc: $300 的俺飄過。。。。 -比花花還花- ♂ (0 bytes) () 11/03/2012 postreply 22:20:42

• 你年薪十萬，卻過年薪十五萬的日子。 -土兔- ♂ (0 bytes) () 11/03/2012 postreply 23:38:34

• 難為了年薪二至三萬的人啦. -受惠於天- ♂ (0 bytes) () 11/04/2012 postreply 07:30:54

• Spend too much -lmmxlw- ♀ (0 bytes) () 11/04/2012 postreply 15:29:24

• 最後兩項不真實吧，這樣花錢還能叫悲慘生活嗎？ -sfbayparent- ♂ (0 bytes) () 11/04/2012 postreply 23:54:22

• 我家還要加上daycare 1800/month -emplid- ♀ (0 bytes) () 11/05/2012 postreply 07:23:43

• 可以理解，如果還有孩子上PRESCHOOL 之類的，一年也不少交錢 -wawj- ♀ (0 bytes) () 11/05/2012 postreply 08:47:29

• 你這是半月的工資對全月的支出。重新算。。。 -fungfung- ♀ (0 bytes) () 11/05/2012 postreply 15:00:48

• 最後兩項水分很多 -OldZhong- ♂ (271 bytes) () 11/06/2012 postreply 11:56:38