SAZABI

Are we talking about minimum, ok living condidtion, or more luxury life?
I mean.. if we are talking about minimum, a lot of couples out there just have one car neh.

The mortgage part is unrealistic too.  
1. 5-yr term may be stressing it a bit? and that doesn't qualified to be taken into account for a *minimum*.
2. 250k principle?  how you do that?  I thought you were talking about not getting any external support.  A decent apartment is at least what? 400k? So the condition is that you have 150k saving already?  Or buy a "house" around 250k?  According to your final number, I doubt a family with 100k net income would choose to live in a 250k crappy house LOL

SAZABI

原帖由 celeron_266 於 2008-5-24 13:58 發表

ok so lets modify a bit for the mortgage part and the car part

$400k principle (i prefer apartments btw), 6% interest, 15 years

still goes to about 3.5k a month = 42k a year (18k less compared to m ...

SAZABI

原帖由 B2L2 於 2008-5-26 16:30 發表
Sorry, not 1.8M.  Got myself confused.  

Ignoring tax?  Consider he pays ~30% tax, his yearly income has only $126k.  Without spending 1c, he could save up to $630k in 5 years.

hee... the tax rate above 100k for sure is not 30% or "~30%"

SAZABI

原帖由 B2L2 於 2008-5-27 08:30 發表


People are paying 26.7% when making $100k.  I'm not rich enough to know what's the average tax rate is when one make $180k.
http://www.loyaukee.com/forum/vi ... p;extra=&page=1

Now b ...

oh yes, you are right.  I was using the amount withheld to do the calculation.  (but actually i got refund at the end of the year)