一個月可以存多少 - 薪水

By Mary
at 2013-02-21T01:59
at 2013-02-21T01:59
Table of Contents
: 作者: michigan1217 (I love ) 看板: Salary
: 標題: Re: [生涯] 一個月多少錢才夠用?
: 時間: Wed Oct 7 06:05:25 2009
: 我結婚了,所以是兩個人一起算
: 我跟我太太都27歲,剛拿到博士一年
: 目前在美國的Columbus, OH (查我ip可知)
: 兩人都在金融業
: 薪資:USD 12000 (每月稅後)
: 食:1000(幾乎不煮飯,平日每日飯錢30,加上飲料水果零食等等等)
: 衣:2000(我太太每個月會控制不住花1000買個包,我的衣服她的衣服保養品化妝品
: 等等)
: 住:3000(2700是貸款加房屋稅,300是兩人手機網路水電等等)
: 行:400(兩輛車每個月油錢,平均下來的牌照稅和保養費)
: 娛樂:600(包含周末和朋友聚餐、唱歌、夜店和長周末到附近城市旅行的錢)
: 其他:1000(每年年底回亞洲探親的機票,買電腦遊樂器新手機等等,腦殘被開罰單
: 或者是意外開支(比如幫我太太申請綠卡就花了將近兩千))
: 存款:約4000,目前是逐月投入股市之中
: 基本上我們在這個中西部地方的收入也就是所謂的UPPER MIDDLE CLASS
: 可以開好車住好區的房子,錢不用太算計著用
: 但是跟"有錢"還是扯不上邊
: 尤其美國是個階層流動性很低的國家
: 繼續待在這裡我都可以預測我未來幾十年的生活了
: 目前還是積極的尋找機會去中國(我太太是大陸人)
: 至少中國對於像我和我太太這樣的人還是很肯砸錢的
本來不想回了
上面是M兄三年前的po文(我因此被水桶)
姑且不論三年前M兄是如何在Ohio買房好了
什麼樣的財金博士會衝動的在畢業一年就買房而不久住的
看貸款數字這在Ohio可能已是豪宅了吧
畢竟買房是大事, 沒一定程度的生崖規劃不會做的吧
然後三年後換屋時還需要家中援助十萬的頭期
不是每個月都可存四千嗎?
難不成是Ohio的房子還沒處理?
難道財金博士理財和常人不同?
我只是覺得M兄前後po文
與他26歲就拿到財金博士不太相符
只是現在看來我反倒是個井底之蛙了
等下我要打電話去罵我的貸款agent
為何每個人30年jumbo都有2.75%
我卻連3%都拿不到
最後我想說
我以前也曾幫許多大客戶工作過
像是IBM, Pfizer, NASD, Ahold, Maytag等等
因為工作的需求
我們接觸到的都是客戶的薪水資料
想當初某那斯達克的資深副總裁退休時
(WSJ半版報導他,老闆還說絕不能搞砸)
是我們準備他的retirement package
在我們以前替PBGC外包工作時
我們還需要中級的security clearance
因為我們可以進入Baltimore的SSA資料庫
當時只要我有一個人的SSN
我可以找出他過去的薪水
說了這麼多
發現其實鄉民才是最厲害的
二十幾歲三十出頭的薪水
其實都可比得上一般公司四五十歲的高階人員了
一般我們要做的non-discrimination test
政府規定2013 highly compensated employee是115K
這在鄉民眼中真的只是貧窮線罷了
就罰我井底之蛙以後別再發言讓人笑好了
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