另外一个月入$6000的经典例子-第1页

dinohound

0操作1 ^#

另外一个月入$6000的经典例子

同样来自mit。稍作点评。仅供参考。

夫妻俩人，都工作，其中一个是post-doc，两个孩子。买了房子，（不是在湾区）。

两人每月税后收入$6000

401k,ira: $800 (从税前减）

房子+tax+insurance：$1000

utilities: $200

2 kids daycare: 900*2 = 1800

2 kids supply: $200

2 new cars: $600

gas: $100

food: $500

全家insurance:$400

零花：$200

余额：自己算吧。

度假什么的基本上就靠退税了。

这个例子的问题在于两个孩子的托儿费。可以考虑让挣得少的那个在家带孩子，如果事业没有较大的提升余地的话。家庭生活也可质量好点。

xlin

0操作2 ^#

2 new car also unnecessary. :) their gas cost so low.

gnaf00

0操作3 ^#

the house payment is sooooo low

mingxing

0操作4 ^#

以下是引用gnaf00在2005-8-23 13:24:00的发言：
the house payment is sooooo low

估计DOWNPAY得多或者房子极其便宜或者兼而有之.

Everlynn

0操作5 ^#

Total monthly cost is 5000 dollars so they still could save 1000 dollars per month. 1/6 = 16.67% saving over their net income. So it is actually not bad at all compared to the low saving rate in US. They are already doing better than average US family although they may not live up to the Chinese family saving standard. [em06]

escada

0操作6 ^#

以下是引用Everlynn在2005-8-23 15:00:00的发言：
Total monthly cost is 5000 dollars so they still could save 1000 dollars per month. 1/6 = 16.67% saving over their net income. So it is actually not bad at all compared to the low saving rate in US. They are already doing better than average US family although they may not live up to the Chinese family saving standard. [em06]

I believe that the $800 401k is also counted in the $6000 income, so they don't really have much left...

minim

0操作7 ^#

好可怕,我e死算了. [em01]