为什么即使是高收入者也在过着月光族的生活

@catsel89
If you earn 300k, even in the most expensive cities, and live paycheck to paycheck, you should look into your spending not the system
 
如果你赚30万美元，即使在最昂贵的城市，依然生活在月光族状态，你应该检查一下自己的消费，而不是怪系统。
 
@Dahkeus3
Times are different now.  My dad never went to college and bought a new car every few years.  I make a ton more than he ever did and still drive my old '06 Jeep because we don't live in that world anymore.  Many people of my and younger generations haven't learned this.
 
现在的时代不一样了。我的爸爸没上过大学，每隔几年就买一辆新车。我赚的钱远比他多，但仍然开着我的2006年吉普车，因为我们已经不再生活在那个世界里。我们这一代和年轻一代的许多人还没有学会这一点。
 
@keeler1160
To me being rich is able to go to the grocery store not worrying about what things cost.
 
对我来说，富有就是去超市购物时，不用担心东西的价格。
 
@illmatic19
someone making $70k with low housing costs is going to feel richer than someone making $200k with a 6% mortgage on a house they overpaid for. Your expenses matter more than your income.
 
赚7万美元，房租低的人会觉得比赚20万美元但房子按6%的利率贷款，并且花了过高价格的人更富有。你的开销比收入更重要。
 
@asdkrasere23
Alarming that so many people don't realize how empty this consumer lifestyle is.
 
令人震惊的是，许多人没有意识到这种消费主义生活方式有多空虚。
 
@bobbyj731
14% of households not individual Americans make over 200k.
 
是14%的家庭，而不是个人美国人，年收入超过20万美元。
 
@veemacks7255
America itself is living beyond its means, living on the national debt credit card. We can all appear rich as we're racking up credit card debt.
 
美国本身已经生活在超出其承受能力的范围内，靠国家债务信用卡过活。我们所有人都可能看起来很富有，因为我们在积累信用卡债务。
 
@tpolarbeart
I'm in my early 30s and some of my clothes are from when I was in highschool. People are spending so much money on things they think are necessities when they are luxuries. I prefer to be smart with money so I can have freedom and enjoy life and family.
 
我现在30出头，有些衣服是高中时买的。人们花很多钱在他们认为是必需品的东西上，但其实它们是奢侈品。我更喜欢精明地花钱，这样我就可以享受自由，享受生活和家庭。
 
@mihadalzayat6957
One time a person told me: to be truly rich, you don't have to work. If you have to work, you're not rich.
 
有一次一个人对我说：要真正富有，你不需要工作。如果你需要工作，那么你就不富有。
 
@WrldExplorer
Most people in their late 40’s will tell you, none of that lifestyle creep mattered once you’re at the age to make decisions based on retirement readiness, and retirement lifestyle where experiences are more valuable than things you have to show you have money. I’ve seen people older tell stories who had all that, lost it, because they lived like it was gonna be forever.
 
大多数40多岁的人会告诉你，一旦你到了需要根据退休准备情况做决策的年龄，那些生活方式蠕变根本不再重要，退休后的生活方式中，经历比你拥有的物品更有价值。我见过年纪大的人讲述，他们曾拥有一切，但失去了，因为他们生活得好像这一切会永远持续下去。
 
@TheSonyExperience
$160-187K. I don’t know what feeling rich is supposed to feel like. But I feel great. When I open a bill, I feel nothing. Why? Everything is allocated, everything is planned. Accounts are filled, bills are paid, and I enjoy the finer things in life. Like being able to cut my grass every other day
 
16万到18.7万美元。我不知道“富有”应该是什么感觉。但我感觉很好。当我打开账单时，我一点感觉都没有。为什么？因为一切都分配好了，一切都有计划。账户有钱，账单已经支付，我享受生活中的美好事物。比如我可以每隔一天就修剪草坪。
 
@fallingwolff
14% of Americans absolutely DO NOT make over $200K. I believe only about 5% of Americans earn that much. Did you mean to instead say "American households" at 0:43?
 
14%的美国人绝对没有年收入超过20万美元。我认为只有大约5%的美国人赚那么多钱。你是不是想说“美国家庭”而不是“美国人”在0:43？
 
@angelmartin2243
I often talk with my grandpa and he tells me of “How much things cost, these days compared to before” and then I run the number through an inflation calculator. He was earning more, and paying less at my age for everything!
And he could afford to raise 5 kids, with a stay at home wife all on a single railroad worker’s income.
 
我经常和爷爷聊，他告诉我“现在东西的价格和以前相比如何”，然后我用通货膨胀计算器算了一下。他在我这个年纪时赚得更多，但花的钱却更少！他还可以养活五个孩子，养一个全职太太，所有这些都靠一个铁路工人的收入。
 
@reilorenzo
I make $122k a year at 39 years old... by far I am living the best years of my life. I'm not sure what these people are doing with their money but I feel blessed to make more money than I actually need.
 
我39岁，年收入12.2万美元……现在是我生活中最好的时光。我不确定这些人把钱都花到哪里去了，但我觉得很幸运，赚的钱比我实际需要的还多。
 
@JusticeSheperd
Holy gaslighting...just because high earners are financially illiterate and cannot control themselves to not live above their means DOES NOT mean they are broke! There is absolutely 0 reason anyone making over 100k should be living paycheck to paycheck if they live within their means.
 
天啊，这也太过分了……仅仅因为高收入者在财务上没有足够的知识，不能控制自己不超出能力范围消费，并不意味着他们破产！如果他们量入为出，年收入超过10万美元的人根本不应该生活在月光族状态。
 
@Der8cho
Spend less than you make. Boom! You'll instantly "feel rich"
 
少花钱，多赚钱。就这样！你会立刻“觉得自己很富有”。
 
@Erik_The_Viking
I knew a lot of high earners here in Silicon Valley who were literally living paycheck to paycheck - the reason their lifestyle. high-end everything from cars, meals, housing, and of course all of the latest status symbol toys. I did the boring thing by putting my money in CD's which were rally good at the time. Saved enough money for a modest house in a good area. They ended up broke.
 
我认识很多硅谷的高收入者，他们真的是月光族——他们的生活方式就是原因。什么高档车、餐馆、房子，当然还有所有最新的身份象征玩具。我做了一个无聊的选择，把钱存进定期存款（CD），那个时候这确实挺好。我为自己在一个好区买了一个简朴的房子。他们最终破产了。
 
@lily-aero-g
My dad used to tell me doesn’t matter how much you make is where you spend it. You can make a million and spend 1.5 million and you will be poor forever.
Budget is key.
 
我爸爸曾经告诉我，赚钱多少并不重要，重要的是花钱的地方。你可以赚一百万，但如果花一百五十万，你永远都会是穷人。预算是关键。
 
@DrewRueDoo
In America, it’s shockingly easy to fall into debt. Just a broken bone and a trip to the ER, paired with something like a car breakdown in the same month—can leave you thousands of dollars in the red
 
在美国，陷入债务的速度令人震惊。只要是一根骨头骨折，去一趟急诊，再加上一辆车同一个月出故障——你就可能欠下数千美元的债务。
 
@Underoverrated
Regardless of your politics, the system at present is not designed for your average person. Something has to give or the house of cards with crumble.
 
不管你的政治立场如何，现行的系统并不是为普通人设计的。总有一天会崩溃，或者这副“纸牌屋”会倒塌。
 
@fentermacherin
Our parents rarely went out to eat at restaurants when they were growing up. They cooked most meals at homes. We see the latest brunch spot, get FOMO, and drop over $100 on a meal. (Or food delivery!)
 
我们父母在成长过程中很少去餐馆吃饭，他们大部分时间在家做饭。我们现在看到最新的早午餐店，感到错失恐惧症（FOMO），然后花上100多美元吃一顿饭。（或者点外卖！）
 
@kkp4297
i'm a minimalist. and i have a hard time shopping for random things I don't need.
i don't have these same money problems.
 
我是个极简主义者，我很难去买那些我不需要的随机东西。
我没有这些同样的金钱问题。
 
@Dahkeus3
Few things in this world are more dangerous than a rich person who feels like they are struggling to afford what they feel entitled to have.
 
这个世界上很少有比一个富有的人还觉得自己无法负担自己理应拥有的东西更危险的事了。
 
@ewrock7635
Modest income earner here ($50k).  I choose to have a roommate, choose to drive an old car, choose to not travel, and choose not to have pets.  
My simple lifestyle has enabled me to save more than double my current income in retirement savings by the age of 31.  In short, it's all about making wise financial decisions.
 
我是一名收入适中的人（年收入5万美元）。我选择和室友住，选择开一辆旧车，选择不旅游，也选择不养宠物。
我的简朴生活方式使我到31岁时退休储蓄超过了目前收入的两倍。简而言之，一切都在于做出明智的财务决策。
 
@AtlsCollegePark
The difference between back then and now is that their money went wayyy longer than the money now, my grandparents and mother for 3/4's of her life, didnt have to pay a cell phone bill, if you couldnt afford cable, regular TV was free, their was no internet bill, their wasnt TV apps that they had to pay for, their was no pay for parking anywhere no matter the establishment, the public parks was free, the basketball courts was free, now they took the courts out of the parks and put them in gyms forcing you to pay to play, etc. All the older generation had to pay was rent, phone bill, gas, lights and water, thats it, everything we pay for now was free and available for them back then
 
过去和现在的区别在于，他们的钱能花得更久。我的祖父母和母亲三分之四的人生时间，不需要支付手机账单。如果买不起有线电视，普通电视是免费的，没有互联网账单，没有需要支付的电视应用，也没有任何地方需要付停车费，无论是什么商店，公共公园是免费的，篮球场是免费的，现在他们把篮球场从公园里拿走，放进了健身房，逼着你付费去打球等等。老一代人唯一需要支付的就是房租、电话费、油费、电费和水费，仅此而已，所有我们现在付费的东西，那个时候他们都有免费提供。
 
@Set592
People spend more when they make more money. The key is to spend at the same level and you won't struggle.
 
人们赚得多时，花得也更多。关键是保持在同一消费水平，你就不会感到压力。
 
@indianapapi
As American, we are anti-budget. We see more money, we see more things we can buy not more money we can save and/or invest.
 
作为美国人，我们反对预算。我们看到更多的钱，就看到更多能买的东西，而不是更多的钱可以存起来或投资。
 
@ledheaded12
People who complain about their income also complain about cooking, cleaning, and can’t put much extra effort into their personal life because they’re “tired”. Don’t live beyond your means, cook your meals, do your own property maintenance. Be humble and stop being lazy and entitled. Your 6 figure income will get you by and you can save for retirement. It’s not easy and it takes hard work after work.
 
那些抱怨收入的人，也抱怨做饭、清洁，而且无法在个人生活中投入太多精力，因为他们“很累”。不要生活超出你的能力，做饭，自己做物业维护。保持谦虚，别懒惰和自以为是。你的六位数收入可以让你过得去，而且你还可以为退休储蓄。这并不容易，需要在工作之后更加努力。
 
@rogerbrennan72
"Why Even High Earners Are Living Paycheck To Paycheck"
Because they are fools. Anyone who is a high earner and especially has the potential for millions to be saved (and doesn't have a systemic issue like a health concern that costs or other absolutely necessary money drains), but instead lives "paycheck to paycheck" doesn't appreciate money and shouldn't have it to begin with.
 
“为什么即使是高收入者也在月光族中生活”
因为他们是傻瓜。任何一个高收入者，尤其是有潜力储蓄数百万的人（如果没有像健康问题或其他绝对必要的支出这样的系统性问题），却依然生活在“月光族”状态中，说明他们不懂得珍惜金钱，也不应该拥有这些钱。
 
@tiredinnc
Well high weaners usually have a lot more built in expenses. High student loan debt is one but insurance is HUGE. Life insurance, disability insurance, umbrella insurance so when someone finds out your job they don't slip in your home and sue. Those expenses are things everyone should have but can't afford and it doesn't come cheap.
 
高收入者通常有很多额外的开销。高额的学生贷款债务就是一个例子，但保险也是巨大的支出。人寿保险、残疾保险、伞形保险，当别人知道你工作的情况下，他们在你家摔倒还可以起诉。这些开销是每个人都应该有的，但大多数人负担不起，而且价格不便宜。
 
@WillieFungo
Because Americans spend all their disposable income buying overpriced imported goods. This country has the absolute highest disposable income of any OECD country after accounting for taxes, cost of living, and even government services
 
因为美国人把所有的可支配收入都花在了价格过高的进口商品上。这个国家在考虑税收、生活成本甚至政府服务之后，拥有OECD国家中最高的可支配收入。
 
@randomstuff-qu7sh
I think a large part of the problem is that mandatory expenses (housing, utilities, groceries) are going up faster than wages.  Even though I technically make more money than I used to, it feels like less due to how much less is left after paying the bills.
 
我认为问题的很大一部分在于，强制性开销（住房、公用事业、食品杂货）上涨的速度远快于工资。尽管我的收入技术上比以前多，但因为交完账单后剩下的少了，感觉收入反而变少了。
 
@TY2J99
That’s what happens when all of our productivity and wealth goes straight to the top and people lose class consciousness.
 
这就是当我们的生产力和财富都流向顶部，人们失去了阶级意识时所发生的事情。
 
@cu7695
The narrators should stop describing made up acronyms aka "HENRYS" like a personality type.
People are into hamster wheel because they scale their lifestyle based on new income without fixing the problems in first place. The fundamentals like "earn more spend less" really work.
 
People need to understand this:
You can only afford the car with value of 50% of your annual income. ( this works for all income ranges )
You can only afford house which is 5 times your annual income.
Save and invest early - let the money snowball into portfolio over your lifetime. Simple but CONSISTENT things make you rich over time.
One problem we all face as millenials is inflation duation. That's literally income killer and no amount personal finance strategy can fix that. Only government can fix that
 
人们需要明白这一点：
 
你能负担得起的车只能是你年收入的50%的价值。（这一点适用于所有收入范围）
你能负担得起的房子只能是你年收入的5倍。
要尽早储蓄和投资——让钱在你的一生中积累成投资组合。简单但持续的事情会让你随着时间的推移变得富有。
我们这一代人面临的一个问题是通货膨胀的贬值。这实际上是收入杀手，任何个人理财策略都无法解决这个问题。只有政府才能解决这个问题。
 
@ShadowRaptor8
This piece goes from "HENRYS don't feel rich because they spend less and save a lot, so they don't feel like they have a rich lifestyle" and then immediately says "HENRYS feel poor because they spend 90% of their paycheck."
 
这篇文章说：“高收入新贵觉得自己不富有，因为他们花得少，存得多，所以他们感觉自己没有过上富裕的生活”，然后立马说：“高收入新贵觉得自己很穷，因为他们花掉了90%的薪水。”
 
Maybe the answer is that median earners, top 10% earners and even top 5% earners ($300k/yr) are all priced out of an economy designed for those making $1bn a year. Buying a home near a city on $300k is still tough (and inevitably someone will say to move to a LCOL city, never mentioning that it's harder to make $300k in a LCOL city, so you're back to square one). Meanwhile, billionaires are buying private islands on a whim.
 

也许答案是，中位数收入者、前10%的高收入者甚至前5%的高收入者（年收入30万美元）都被排除在一个为年收入10亿的人设计的经济体之外。在年收入30万美元的情况下，在城市附近买房仍然很难（不可避免地有人会说搬到低消费城市，但从未提到的是，在低消费城市赚30万美元更难，所以你又回到了起点）。与此同时，亿万富翁们随便就能买私人岛屿。
 
@firefalcoln
That’s insane to me that 62% of people making over $300,000 have credit card debt. That’s more 3 out of 5 people going into high interest debt when they make more than $25,000 a month!!!!!!  
That’s not an income problem.
 
对于我来说，超过30万美元收入的人中有62%的人还有信用卡债务，简直不可思议。这意味着超过3成的人在赚取每月超过2.5万美元时依然陷入高利贷！！！！
这不是收入问题。
 
@summaryjudgment
It wasn't until I started working from home in 2020 that I realized I was spending about $2400/ year on Starbucks.  I don't go to Starbucks anymore and I can't honestly say I notice a financial difference, BUT I'm happy that the money is being spent more wisely.
 
直到我在2020年开始在家工作，我才意识到自己每年在星巴克花了大约2400美元。我现在不再去星巴克了，老实说，我没有明显的经济差异感受，但我很高兴这些钱花得更明智了。
 
@antonmarthedal8290
Only 5.7 percent of Americans earn more than 200.000 usd per year, not 14 percent.
 
只有5.7%的美国人年收入超过20万美元，而不是14%。
 
@randomsh-t917
If you work your butt off and get a job where you work 60 hours a week and get paid $1 million for the year. And you live in California or New York,  taxes will  rob you of $500k. How is this fair? Your taxes are over 50% for sure if you add sales tax, and property tax. Damn unfair.
 
如果你拼命工作，找了一个每周工作60小时，年薪100万美元的工作，而你住在加利福尼亚州或纽约，税收会让你损失50万美元。这怎么公平？如果加上销售税和房产税，你的税收肯定超过50%。真是不公平。
 
@donttouchmysilver8202
I keep $55,000 a year and make $200,000 I feel rich bc my home and car is paid off. Just got back from Bora Bora on a 20k vacation paid in cash too for my 40th. The secret is pay off your home pay off your car and you don’t need that crazy ass income anymore. I live in San Diego too, where it’s not cheap.
 
我每年存5.5万美元，年收入20万美元，我觉得自己很富有，因为我的房子和车已经还清了。我刚刚从博拉博拉度假回来，40岁时度过了一个2万美元的假期，还是现金支付的。秘诀是，付清房贷，付清车贷，你就不再需要那种疯狂的收入了。我也住在圣地亚哥，这里并不便宜。
 
@ivansicardo8890
I think part of the problem is that same roof over our heads. Without a doubt if you buy a house, yeah it may appreciate in value, but it’s also costing a lot to maintain it, on top of the mortgage and insurance. Live smaller and your maintenance costs are less. As for vacations, go on that vacation, who wants to go when they’re old and disabled and can’t enjoy the nightlife , the all day adventures, etc.. If you make more than 200k and you’re living in NYC, you could have more simply by not living in NYC. But the real issue here is needs vs wants. If you live with what you need vs how you want, then honestly, nobody making 6 figures, or even less should have a problem making it work.
 
我认为问题的一部分是我们住在同一个屋檐下。毫无疑问，如果你买房，房子确实可能增值，但它的维护成本也很高，再加上抵押贷款和保险。住得更小一些，你的维护成本会低一些。至于度假，去度假吧，谁希望等到老了、生病了，不能享受夜生活、全天的冒险等时才去度假？如果你年收入超过20万美元，住在纽约市，你通过不住在纽约市反而能得到更多。但这里的真正问题是需求和欲望。如果你生活在你需要的基础上，而不是你想要的基础上，那么说实话，年收入6位数，甚至更少的人，应该没有问题能够让生活过得下去。
 
@Raiders8491
There’s a lot of people out there that also have zero concept of what it means to be working class. Making easily over six figures and you are not working class. If you genuinely are living paycheck to paycheck then you an absolute fool with money. That’s on you at that point and your illiteracy.
有很多人根本不理解什么叫做工薪阶层。年收入轻松超过六位数的人，不是工薪阶层。如果你真的生活在“月光族”中，那么你就是一个完全不懂理财的人。那完全是你自己的问题和无知。
 
@Rogeraherr
Protecting your capital is much more important than making money. Basically because if you lose your capital, making money is much harder. 'Missing the train' vs. 'losing your money'. There are a lot of trains, but if your money is gone, it's over.
 
保护资本比赚钱更重要。基本上，如果你失去了资本，赚钱会变得更难。错过“列车”与“失去资金”的区别。列车有很多，但如果你的钱没了，那就完了。
 
@itsmattnow
It comes down to money management. Honestly most people are just terrible with money. No matter how much you get you will always feel broke if you can’t budget correctly or be financially responsible
 
这归结为财务管理。老实说，大多数人都很糟糕地管理钱。无论你赚多少，如果你不能正确预算或对财务负责，你总会觉得自己很穷。
 
@donaldstokes1
It’s crazy how much things have changed. Everything is getting more expensive rent, food, gas. It feels like no matter how much you make, it’s never enough. People are literally living in their cars or trying to go off-grid just to survive.
 
事情变化得真快。所有东西都在变得越来越贵，租金、食品、汽油。感觉不管你赚多少，永远都不够。人们真的开始住在车里，或者尝试脱离城市生活只为了生存。
 
@shawnvarghese1533
I recall my 12th grade economics teacher saying human wants are always unlimited.. The more money you make, the more you'll spend and the more you will feel unfulfilled.. That's pretty much it really.
 
我记得我高中的经济学老师说过，人类的需求永远是无限的……你赚得越多，你就花得越多，你会感觉越不满足……这就是事实。
 
@FilmTheTalk
We honestly as a society and community need to learn to control our spending and really create a budget. This is the real reason why we are all struggling week to week.
 
老实说，作为一个社会和社区，我们需要学会控制开支，真正制定预算。这才是我们每周挣扎的真正原因。
 
@molliemoxie5276
20 years ago my husband and I purchased a house based on just ONE income even though we are both high income earners. We bought a modest home, nothing that looked like our combined income. We paid it off in 10 years. We never fell for that lifestyle creep. We still live in it, never felt the need to upgrade  into bigger & better. Just done upgrades that were paid in cash. We are debt free, not financial slaves to any lending institutions, and have no regrets. It is possible...if you ignore the Jones and "Influencers".
 
20年前，我和丈夫根据仅仅一个收入购买了房子，尽管我们都是高收入者。我们买了一个适中的房子，看起来并不像我们的合并收入。我们在10年内付清了贷款。我们从未陷入那种生活方式的膨胀。我们依然住在那里，从未觉得需要升级到更大更好的房子。只是做了一些用现金支付的升级。我们没有债务，不是任何贷款机构的财务奴隶，且没有后悔。是的，这完全是可能的……如果你能忽视“乔恩斯家族”和“网红”们。
 
@tiffanybaby13
The problem is not saving / budgetting, the problem is you need to accelerate your wealth faster than others around you to get ahead. Bc of strength of the stock market, soaring real estate prices, and post covid inflation, everyone who got richer or got a raise really didn’t go anywhere at all bc all prices will rise when demand (wealth) rises. That’s why the US is one of the wealthiest countries in the world and people are still struggling to live.
 
问题不在于储蓄/预算，问题在于你需要比身边的人更快地加速财富积累，以便领先。由于股市的强势、不动产价格飙升和疫情后的通货膨胀，所有变得更富裕或者获得加薪的人，实际上并没有获得实质性的进展，因为当财富增加时，所有价格都会上涨。这就是为什么美国是世界上最富有的国家之一，然而人们仍然在挣扎着生存。
 
@mmidou2093
Are we supposed to feel sorry for them? It is because they spend like the Congress. My husband and I were investing 75% of our after tax income when we made 250k pretax 5 years ago.
 Now at almost 700k pre-tax household income, with 2 kids we still invest/ save at least 300k a year, and that's after paying a crazy amount in taxes. Start cooking at home, stop buying designer BS to show off, stop having car payments. We live in the DC area which is not cheap, and we live frugally. Stop getting huge mortgages to show off that you bought a house. Wealth building when you make 200k+ is so doable especially when you don't have children in daycare.
 
我们应该为他们感到抱歉吗？问题是他们花钱像国会一样。五年前，我和丈夫在年收入25万美元税前时，将75%的税后收入用于投资。而现在，税前年收入接近70万美元，养育两个孩子，我们每年仍然投资/储蓄至少30万美元，这还是在支付了大量税款之后。开始在家做饭，停止购买名牌产品来炫耀，停止支付车贷。我们住在华盛顿特区地区，这里并不便宜，但我们生活得很节俭。停止为了炫耀而购买巨额房贷。赚取超过20万美元时，财富积累是完全可行的，尤其是当你没有将孩子送到托儿所的时候。
 
@icemoneycooks5299
Our housing cost is the major issue. In NC a single family home is around 500k , so if you don’t make over 6 figures and want a house you’ll feel poor. Now in Cali and NY where the average house is 1 million if you don’t make over 200k you’ll feel poor. These are also things that your parents would have easily afforded on almost half your income.
 
我们的住房成本是主要问题。在北卡罗来纳州，一套独立住宅大约是50万美元，所以如果你年收入不超过六位数，想买房你就会觉得自己很贫穷。现在在加利福尼亚和纽约，平均房价达到100万美元，如果你年收入不超过20万美元，你就会觉得自己很贫穷。这些都是你的父母几乎可以轻松负担得起的事情，收入可能只有你的不到一半。
 
abbyc.4215
The lady at the end was spot on about having been both burnt out and exhausted as a person who doesn't earn a lot of money vs. being a burnt out and exhausted person who does earn a lot of money. For me, things are fine financially but I'm going to make the leap and pursue my Ed.S degree and spend another year and a half of schooling working on my doctorate. That will put me at the 100k salary mark in no time and allow me to take on more leadership roles instead of continuing to teach. Currently preparing myself to both take on extra work-related roles in order to finance the education costs in addition to simultaneously taking on the course loads at a doctoral level. For the first time ever, I intend on using ALL of my PTO, sick, professional, and religious time off. Will I be burnt out and exhausted? Yes! Will it be worth it in the long run? Also, yes!
 
最后那位女士非常正确地提到，作为一个收入不高的人，会感到精疲力尽和心力交瘁，而作为一个收入很高的人，依然会感到精疲力尽和心力交瘁的区别。对我来说，财务状况没问题，但我打算跳槽去攻读我的Ed.S学位，再花一年半的时间攻读博士学位。这将使我的薪水在短时间内达到10万美元，并允许我承担更多领导角色，而不是继续做教学工作。我目前正在准备同时承担额外的工作职责以资助教育费用，并同时承担博士级别的课程负担。第一次，我打算利用我所有的带薪休假、病假、专业假期和宗教假期。我会精疲力尽吗？是的！从长远来看值得吗？也是的！
 
@investedtrash138
I am laughing at these people. I make 93k a year, and the new car i bought (when my old car  threw a rod) was a cx-30 at 8.39%, and that's only $450 a month, not 700... I dont have a lot of time to cook but when i eat out i deal shop. I dont buy delivery as an extra $15 to having something delivered isnt treating myself, its stupid. I put 11% into a 401k, save 15% in fidelity, then after rent still have like $300-$350 to spend every week. Six figures is more than enough to live on if you're responsible
 
我在笑这些人。我一年赚9.3万美元，我买的那辆新车（当我的旧车坏掉时买的）是CX-30，年利率8.39%，每个月只需450美元，而不是700美元……我没多少时间做饭，但我外出吃饭时会精打细算。我不买外卖，额外支付15美元来送餐并不是对自己的犒赏，而是愚蠢。我把11%的收入投入401k，15%储蓄在富达投资，剩下租金后每周还有大约300-350美元可以花。六位数的收入如果管理得当，完全足够生活。