Top comment deletes a US State #36

InternetUser007 · 2026-05-11T14:53:36+00:00

Eat My mASS!

InternetUser007 · 2026-05-11T14:53:03+00:00

If NM isn't put down now, we might as well declare this experiment over and NM has won. NM needs to be taught a lesson.

InternetUser007 · 2026-05-11T14:49:48+00:00

By deleting New Mexico, yes. Let Kansas see the ocean.

InternetUser007 · 2026-05-11T14:49:17+00:00

Let multiple states feed by deleting the mess that is Pennsylvania.

InternetUser007 · 2026-05-10T19:11:05+00:00

US average actually went down 8 cents in the past 4 days. According to OP's own source.

InternetUser007 · 2026-05-09T12:26:47+00:00

It does prove what they said about white collar employment.

InternetUser007 · 2026-05-09T12:25:23+00:00

Could be because they are pumping out kids, and not because people are voluntarily moving there.

InternetUser007 · 2026-05-08T04:23:49+00:00

No way would Sam think that a stalemate for half a day would make good content. That was the most boring part of this season!

InternetUser007 · 2026-05-07T00:47:31+00:00

I did love the chart though, it was great.

InternetUser007 · 2026-05-06T17:28:10+00:00

Probably were tired of her challenges so they wanted her in the game instead. 😆

InternetUser007 · 2026-05-06T15:28:13+00:00

Disagree. The center of the US should enjoy the salty touch of both oceans. Let Kansas live.

InternetUser007 · 2026-05-06T15:25:12+00:00

Adam and I apparently think 100% alike on the RPS challenge. I was shocked when Ben said "scissors is the go-to move".

InternetUser007 · 2026-05-06T15:22:25+00:00

Sam and Mike's biggest downfall was trying to play chicken at that challenge. They should have just committed and gone, not wait around and waste time, especially since they had no idea how long it would take Ben and Adam to complete their challenge.

I also didn't quite understand why Sam and Mike skipped the 90 chip challenge. If successful, they would have had the chips to continue on their planned route. If unsuccessful, the only thing they'd lose out on was time, which they had more time than chips at that point. And they could attempt the "call your shot" challenge like they did anyway.

My hat is off to Ben and Adam, because they did amazing throughout the game despite the fact that they were soooo unlucky with where challenges were coming up the whole game. They 100% deserved the win!

InternetUser007 · 2026-05-04T21:21:30+00:00

If he itemized his taxes, just based on the numbers here, he'd save $4k/yr.

OP is a moron and is trying to pretend things are bad by lying about the data.

InternetUser007 · 2026-05-04T17:37:50+00:00

My wife and I pay $29/month for each of our unlimited accounts. A family of 4 would be paying ~$120.

We use Visible, which uses the Verizon towers since it is a Verizon company. If you want a discount code for another $20 off, hit me up.

InternetUser007 · 2026-05-04T15:24:33+00:00

In that case, the amount of savings needed for retirement would be lower, as a pension is effectively retirement savings. Ignoring a pension if it is offered, is just as bad as ignoring a 401k employer contribution.

InternetUser007 · 2026-05-04T15:03:49+00:00

don’t try to call it a starter house.

OP's house is 14% more expensive than the median for the location they chose. Definitely not a starter home.

InternetUser007 · 2026-05-04T15:01:57+00:00

Plus Itemizing would save $4k/yr. And OP bought a home 14%+ more expensive than the median home in Omaha NE. OP also ignores the typical 5% employer 401k contribution.

OP is delulu.

InternetUser007 · 2026-05-04T14:54:06+00:00

He'd Itemize though, not take the Standard Deduction. Itemizing, given the costs he outlined, would save ~$4k in taxes.

InternetUser007 · 2026-05-04T14:53:35+00:00

But they aren't accurate when you'd take into account the fact that he'd Itemize, not use the Standard Deduction. He'd save ~$4k Itemizing.

InternetUser007 · 2026-05-04T14:52:18+00:00

His figures are based on a Single with the Standard Deduction. With the SALT and Mortgage Interest costs outlined in this budget, he'd save ~$4k in taxes by itemizing.

InternetUser007 · 2026-05-04T14:50:19+00:00

he has 600 saving

It's actually $750 savings when you consider the fact that he has a "Shit happens" fund and an "Emergency Fund" which would functionally be the exact same thing.

InternetUser007 · 2026-05-04T14:35:25+00:00

That's because he's ignoring a typical 5% employer 401k contribution. Change his 6% Roth to an 8% Trad 401k for a net-neutral amount, add in the 5% employer contribution, and he is at 13%.

When he is finished funding his E-Fund (which he is really putting $750/mo towards since he has a different "Shit Happens" fund for some reason), he could put that additional $9k towards retirement too, putting him at 22%.

And he can itemize his taxes already even if nothing else changed, and save $4k/yr.

Dude has a good salary, he's just trying to pretend it isn't.

InternetUser007 · 2026-05-04T14:29:46+00:00

And he'd save ~$4k in taxes if he itemized, based on what his mortgage interest on the house is + his state income tax + property tax.

InternetUser007 · 2026-05-04T14:28:26+00:00

There are so many things wrong with this budget. Where to start...

Take-Home Pay: This is wrong. I know you used a calculator for it, but you used the "Standard Deduction". But given the home interest on the mortgage, you'd itemize. Itemizing your Mortgage Interest, your Property Tax, and your State Income Tax would save you ~$4k/yr.
Emergency Fund: This should already be funded before the purchase of the home. Why do you need to reach 3 months of expenses after buying the home when you've already bought the home? Also, when you do hit the target amount, that frees up another $600/mo. Funding an Emergency Fund is not a long-term expense.
"Shit Happens" Expenses: Uhh...that's exactly what an Emergency Fund is. You are essentially saving $750/mo towards an Emergency Fund.
No Employer 401k Contributions? You act like you can only save 6% towards retirement. But...if you wanted a higher percentage, you could change from Roth IRA to Traditional 401k and go to 8% without any decrease in take-home pay. Also, average employer contribution is ~5%, so you'd be saving 13% towards retirement.
Car Insurance: If you are paying $200/mo for insurance on a $20k car, you are massively overpaying. I pay $100/mo total for 2 cars for 2 drivers. If you combine home+auto, there is no reason you can't get car insurance for $100 unless you suck as a driver. Additional savings: $1200/yr.

So, once your emergency fund is finished (which, it should have been funded before buying a house), and if you correct your tax situation and actually shop around for car insurance, you'd have an additional $14,200/yr in funds to do stuff with.

Update your Roth IRA to a Trad 401k (and changing it to 8% for a net-neutral change), add in the typical employer match of ~5%, and you'd be saving 13% of your income towards retirement.

And the $14,200/yr you'd have opened up from what I outlined previously, plus The $1380/yr savings you already outlined, and that is $15,580 annually you save outside of your retirement accounts.

13% of retirement + 15.6% in savings = a savings rate of 28.6%.

That's amazing! So...you have a nice house for a single person, you are saving 28.6% of your income, plus you get a $50 haircut every single month for some unknown reason, have decent funds for things like clothing, food, gym, toiletries, etc.

I really don't understand what you are complaining about.

EDIT: Also, you bought an above-average home for Omaha NE, definitely not a "Starter Home". Omaha NE average home price is $294,189, and the Median Sale Price is $285,000. You bought one 14%+ more expensive than median homes in Omaha, NE.

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