Horror Movie Characters Massacre Machine Texas Rangers Halloween shirt

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So part of it is that most apartments and houses aren’t made for lower incomes now. In my current city (SoCal, not in the Horror Movie Characters Massacre Machine Texas Rangers Halloween shirt and by the same token and Bay or New York) there is probably not an apartment for less than $2400 a month. They’re all pretty big compared to EU apartments, they’re all going to have a nice kitchen, but if you can’t afford that apartment, you gotta move far away. Same with houses. Most houses on the market are at least 1M, many in my neighborhood ask 2M. They’re all nice, they’re all somewhat fancy, but there just isn’t cheap options. Cheap housing means driving an hour each way since there isn’t public transportation. So if you can make enough to afford housing, you’re likely living a nice lifestyle, and don’t have a long commute. If you can’t… you’re probably in a rough neighborhood spending a lot of your life in traffic. So if you figure that the take home pay of 150k is 8700 a month. If you’re paying 3000 for housing, 1500 for childcare, 400 for a car payment, 500 a month for food, ~400 for health insurance, 500 for other bills, 500 in the 401k, that’s not a ton left over.

Horror Movie Characters Massacre Machine Texas Rangers Halloween shirt, hoodie, tank top, sweater and long sleeve t-shirt

150k a year turns into around 8700 a month after taxes, and then you do the Horror Movie Characters Massacre Machine Texas Rangers Halloween shirt and by the same token and math like that with housing and childcare and everything else, and you’re not left with much at the end. I never realized this, idk why I feel like I’m having a deep realization moment about this. well, if you’re paying off a mortgage, you’re building equity with each of those payments. If you have childare expenses, those slowly fade over time (as you need less and less expensive childcare), and again, if you have a fixed rate mortgage, you can see how you can do well over time even with minor cost of living increases. Let’s say you average out a 2% raise over 10 years, you can see that in 10 years you’re making ~10,500 a month but your housing is still only 3k, and you don’t need childcare anymore (or it’s very cheap) so even if your food and car payments are up you’re still able to save a lot more money, on top of padding the 401k. You start to see why, if you can get a house, even if things are tight for a while, by the time your middle aged it gets a lot easier.

1. Length is measured from the highest point on the collar down to the bottom hem. 2. Width is measured across the body of the shirt under the armpits, one way. 3. Sleeves are measured from center back to hem.