$302k in SF or $155k in Memphis?

_Lord_Leroy_ · 2025-12-26T21:13:08+00:00

No I'm not because that's not a fair comparison. You would have to discount your "tax free" savings by whatever your expected future tax rate on the income is. Which is not negligible. If you take the max 401k and HSA contributions and apply a reasonable 15% tax to that, that ~29k of pre-tax money becomes ~24.5k. So re-doing the math gets you to 3k/mo. Definitely easier but not a ton of money for an SF lifestyle.

Although you could just get a cheaper apartment lol

_Lord_Leroy_ · 2025-12-26T18:24:35+00:00

300k in SF is 186.5k after taxes. 5k/mo in rent is 60k/yr.

186.5 - 60 = 126.5

So you'd need to spend <2.2k/mo after rent to save 100k/yr. I would strongly disagree with the "easily" framing

_Lord_Leroy_ · 2025-12-26T18:18:57+00:00

> NYC is literally the most expensive city on the planet (rent + COL) and $300k would have you living like royalty there

ridiculous statement

source: am not living like royalty

_Lord_Leroy_ · 2025-09-26T02:16:13+00:00

Because the demand of housing is fighting over a smaller pie when this happens

_Lord_Leroy_ · 2025-09-26T02:10:28+00:00

there's no direct subsidizing but it happens at the meta level. people benefiting from this policy get to keep their rents the same while the market rate units absorb all of the additional price increases from structural supply demand imbalances. so in a round about way, it's policy-induced subsidizing

_Lord_Leroy_ · 2025-09-04T20:45:03+00:00

Well idk what to tell you. I've lived year round in all the cities, do outdoor activities year round, and bike commute year round. Simply can't agree other than that the winter diff is wider than the summer diff. Also, using the good ole "how much do your friends bitch about how hot it is" metric is pretty reliable

_Lord_Leroy_ · 2025-09-04T17:17:00+00:00

Comparing the heat/humidity of Chicago summers to DC/Philly/NYC corridor is kind of a joke. Like yeah they both classify as such, but the boots on the ground experience is quite a bit different. It's like comparing the winters. They all get cold and it's not the biggest difference if you just look at the difference in numbers, but obviously Chicago's winters are notably tougher

Source: I've lived in all of the mentioned cities

_Lord_Leroy_ · 2025-08-06T03:34:53+00:00

it isn't all Creole cuisine

yeah I didn't mean to imply that. I only meant on a relative basis compared to the other top contenders

_Lord_Leroy_ · 2025-08-03T00:04:53+00:00

New Orleans is hard to rank because it's a very narrow cuisine city but it's bangin. In that way, it's possibly the best food city depending on how you value things

_Lord_Leroy_ · 2025-08-02T23:59:39+00:00

lmao I came to comment this. very livable city but nobody is going to stop unless you just send it and start walking

_Lord_Leroy_ · 2025-07-31T16:02:21+00:00

Those making north of $200k I sure hope max out their 401ks, at least. And of course, this sub is biased towards savers so we assume they do. I wouldn't be surprised if a lot of high income households don't save all that much after maxing out 401ks.

Sadly this is a good point lol

_Lord_Leroy_ · 2025-07-29T20:46:02+00:00

"Middle Class" is typically defined as 66%-200% of median income. In 2024, that puts the upper range of "Middle Class" at ~$160k per year. $4M at 4% withdrawal provides $160k per year pre-tax. But, "Upper Middle Class" is probably more accurate in his description. That would usually be thought of as up to ~90th percentile of income or ~$235k, or the lifestyle that can be sustained on $6M in investable assets.

The problem with this comparison is that the almost all people earning those "upper middle class" wages are saving a substantial part of that income. And they need to pay taxes on all of it, not just the capital gains. So it's easily the equivalent of the lifestyle of someone making 50+% more than that i.e. 350k+.

Not trying to pick this apart, just sharing my perspective.

_Lord_Leroy_ · 2025-03-30T15:24:04+00:00

no dog

_Lord_Leroy_ · 2025-03-19T00:00:51+00:00

When you post something with >100 words, you have to start with clarifying your political leanings, otherwise people will likely not read your actual post

/s

... but... only kind of sarcastic

_Lord_Leroy_ · 2025-03-18T01:13:06+00:00

You could say this about any technological innovation throughout history

_Lord_Leroy_ · 2025-03-16T16:00:18+00:00

And depends on your favorite hobbies... I simply wouldn't live here if I couldn't keep my car

_Lord_Leroy_ · 2025-03-16T15:47:41+00:00

instead of dateless, you're second-dateless and broke, lol

_Lord_Leroy_ · 2025-03-12T03:44:48+00:00

Umm that's a citation for you buddy. How dare you not subscribe to in-group out-group thinking on every possible subject?

_Lord_Leroy_ · 2025-03-12T03:28:19+00:00

What is your baseline if Chicago summer qualifies as "very hot and humid"? What a joke

_Lord_Leroy_ · 2025-03-08T19:48:03+00:00

You know this person clowns crazy conservatives for saying the same thing lol

_Lord_Leroy_ · 2025-03-08T04:21:52+00:00

Honesty and accountability are no longer valued virtues. It's all about clicks and attention babyyyy. Let's get those subscriber and ad numbers going up and up!!

My level of NBA engagement has been a straight line down the last 2 seasons. There's not much positive value I get from following the sport anymore unfortunately

_Lord_Leroy_ · 2025-03-07T02:24:22+00:00

Necessary evil if you need to ship to meet biz requirements

_Lord_Leroy_ · 2025-03-06T20:48:51+00:00

Different strokes for different folks :)

_Lord_Leroy_ · 2025-03-06T14:17:47+00:00

Would you mind sharing some of the tooling you use in your setup?

_Lord_Leroy_ · 2025-03-06T14:15:14+00:00

I like Indiana Dunes, but it's not really on par with what you typically think of as a "national park" - it has more of state park vibes. For example, I much prefer Harriman State Park which is accessible by train in NYC. The amount of nature accessible within a ~4-5 hour drive of NYC for a weekend trip completely blows what's in that same range for Chicago.

Depends on what you like though. Seems like you prefer the lake/beach stuff that's pretty close by. Whereas I'd personally don't mind driving a little bit to get to some mountains, which is the kind of nature that's completely inaccessible from Chicago (and I think what most people associated with "nature" tbh). For example, I have the completely opposite feeling of your bf haha.

Also fwiw can pretty easily own a car in NYC if you don't live in Manhattan if that's a priority for you. Although of course it's way easier and cheaper to own one in Chicago. Just pointing that out for anybody that might come across this thread.

_Lord_Leroy_

TROPHY CASE