me think you definitely overestimated it, not underestimate, with an annual salary of 100 grand, you can definitely have plenty to plan, that is, if you live in a decent mid sized city, new york/los angeles/boston excluded. here is a revision of your calculation, this calculation is based on a married couple, without children

以下是引用roseprimrose在2004-5-27 12:58:58的发言：
假设是像DARKMOON MM她家那样的两口之家，一个人有收入。
假设那个人年薪十万， US$100，000。
到底一个月会有多少剩余？

PRE-TAX INCOME：$100，000
税， 5977 + (100,000 - 43850 ) * 0.27 = 21137.5
税后: 78862.5
再除以12，得税后款：$6571.8/月

假设买房子每月要付(30 year mortgage) $2000 for a $240,000 house， 减去剩： $4571.8/月
假设只有一辆车，每年车保险$(500/half yearx2)1000， 即每月$125， 减去剩：$4488.8/月
假设两人医疗保险每月共$((1000x2)2000)/12=166.67， 减去剩： $4322.13/月
假设两人每月吃喝消费$800 (including going out to eat)，减去剩：$3522.13/月
electricity: 100 --> 3244.13/month
water and garbage: 30 --> 3214.13/month
home insurance: 100 --> 3114.13

then you can have 411, send money to your parents, buy nice stuff for yourself or the significant other, travel on cruises, and buy name brands, but still, you have over 3 grand to spend, that's still a large amount of money, few people has that many, so i do think for someone who earns 100 grand, they can live a pretty comfortable, if not luxarious, life style, provided that you don't spend a week in the presidential suite at chicago's upper end hotels.

[此贴子已经被作者于2004-5-27 15:56:32编辑过]