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A Week In Bay Area, CA, On A $426,000 Joint Income- Money Diaries

https://www.refinery29.com/en-us/nurse-practitioner-bay-area-ca-salary-money-diary

Commenters have their feathers ruffled over a nurse practitioner in the Bay Area who makes a good salary, and her husband makes even more. She talks about how generous they are but then lists monthly donation to be $40 and (probably) underpays a maid. Also has a trust fund. Quick rundown:

Salary: $176,000

My Husband's Salary: $250,000

current home value: $1.5 million (bought for $790,000 eight years ago)

Donations: $40

House Cleaner: $360 (she comes weekly, and while it is a huge expense, it saves us so much stress)

no student loans due to parents paying for undergrad, and trust setup by parents (529 plan? who knows)

makes vague statement about controlling spending, proceeds to spend $100+/day on various crap and recently spent $10,000 on dog's surgery (lol)

recently had covid, wants to get 4 year old son vaccinated

Now for the comments:

Seems strange to say “financially independent after college” and in the next paragraph explain that a trust fund paid your loans and living expenses…that is, actually, the opposite of independent financially.

Would that mean that anybody who inherits wealth can never call themselves financially independent? It seems like most of her inherited money went to education and buying a home, which a privilege but not uncommon to receive that sort of help (and yes, those aren't things that should be a privilege, but that is the reality in the USA right now). Plus, she and her husband are high earners and would probably be pretty independent without all of that - they just may have made some different decisions around education and housing without the inheritance. It seems like OP recognizes her privilege and is pretty transparent about what she's gotten.

I'm genuinely asking because while I never had a trust fund, I'm a relatively high earner and my parents have helped me out in similar ways (because they wanted to). I never know whether to say 'financially independent' if asked but I am clear about what I've received that I know many of my friends haven't.

You are financially independent. Receiving help for a down payment doesn’t negate that.

Apparently you can claim to be financially independent while having all your expenses paid for by a trust.

Humble bragging about your family’s privilege allowing you to donate more money but then you only donate $40 a month… yikes this OP could use a bit more self awareness. I don’t think she recognizes her privilege as much as she thinks she does

You don't get rich by donating it all sweaty :marseynails: She explains later that she donates more, but only $40/m is her set amount.

$90 a week for housekeeping is a steal!

Underpaying domestic help is indeed a steal.

Why is it underpaying if that's what the housekeeper sets their rate as? Is OP a charity?

Putting /r/antiwork'er in their place.

Why do adults continue to let their parents pay for their cell phones?

This one caused butthurt. 2 thumbs up, 38 thumbs down. 7 responses saying it's totally okay. One of the responses I found interesting:

I agree. My husband and I pay for our three kids phone plans. Why? Well, each would have to pay $70 more than we pay for a family plan. The family comes out ahead by $2,500 a year. That is a win for our family. One day our three kids may take over the phone payment for us.

Do people really still have those $70/m phone plans?

46
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>How to be financially independent

>Step 1 have your parents pay for everything

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It's literally how all of these start lmao :marsey420:

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This but unironically. It's just that easy, and it's never been a secret either.

I don't understand why poor kids don't learn this trick already. :marseycool:

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Imagine not having parents who love you lol. :marseylaugh: It was so surreal reading first worlders claim to have less in the bank than me in their 30s despite the exchange rate and everything. :taylaugh: And my parents aren't even rich just upper middle class.

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I can't read what you said King but I'm glad you support LGB rights :marseynyanlgbt:

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"I can't read what you said King but I'm glad you support LGB rights "

You're an idiot if you can't read. And even more of an idiot if you think supporting LGBT rights makes you a good person.

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Wow, what a chud

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Yeah, what a total loser, amirite?

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Mortgage: $566,589 (husband pays monthly but home is in both :marseyyesandno: of our names)

:#marseycuck:

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lol superfluous and off-putting for a married couple with kids :marseysick:

![](/images/16624373312261686.webp)

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I've never seen anything else listed. But what matters is they signaled their virtue, right?

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Reading :marseyhijab: this article as a middle-classcel with a slightly above-average income is really pissing me off :marseyagreefast: What :marseygasp: fantastic bait!

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Kill your mother before she kills you.

Snapshots:

/r/antiwork:

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Mothers have level advantage. If she wanted to kill you, you wouldn't stand a chance.

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>House Cleaner: $360 (she comes weekly, and while it is a huge expense, it saves us so much stress)

:#marseyxd:

Lol she cleans almost nothing, maybe does laundry, and gets paid that weekly? 5 days a week of that mogs everyone else.

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Also whats with redditors treating poors freely employed like they are children? I had strags on the national sub tell me my family driver was underpaid too, when I asked how much they should be paid the strag seriously quoted as much as a senior clerk makes.

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I dunno how much a senior clerk makes but we dont class people as "strags" in america. Strags usually are strags at home, where they aren't paid.

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Its the slur filter for :f: :a: :g:

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Ok i get it, we have a ton of sodomists in america. A whole month for their celebration.

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Yeah when I was a kid my mom hired some little mexican lady to do it for like $40 when she was recovering from having a kid. For $300 she'd better be dry-cleaning my entire closet too

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I make more money than this couple and I stayed on my family's phone plan until I decided I'd rather have a Pixel and Fi for a variety of reasons. It just saved money overall to be on a family plan.

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:marseyxdoubt:

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"I make more money than this couple"

-some cute twink from rdrama

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Yes

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![](https://media.giphy.com/media/SEvRT8zL05WLLyNgym/giphy.webp)

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Google fi kinda sucks. Mint is the best budget mnvo I tried out (in my area at least)

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The funniest part is these people made over 100k a year just by owning the house that they live in so they could still flex on the poorcels even if they were unemployed.

Being born too late to win the real estate lottery makes me feel suicidal.

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My dad still pays for my phone because its like $10 a month for him to add a line with being grandfathered in.

He steals my netflix though so hes getting the better deal with the way they've been hiking rates

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>OP

>:#marseyl:

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:#marseybaited:

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Why do adults continue to let their parents pay for their cell phones?

Because family plans are way cheaper than paying individual?

Yeah it's dumb af why can't everyone pay the same thing? Blame t-mobile.

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Would rdrama pay $10k for the surgery on their dog?


https://i.rdrama.net/images/17269312543163126.webp

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If I were rich, and the surgery was effective, and the issue it was treating was serious enough, then yes, I absolutely would. However I am not rich so I will not be paying 10k for canine surgeries anytime soon.

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I mean it depends on the surgery, chances of success, quality of life after, etc. but in general, I wouldn't. I love my dog, but dogs are not people. They have no sense or fear of death. They just don't know about it. They experience no sadness or regret when you take them into the vet for the final time.

So from a purely utilitarian perspective (assuming that dogs are included in that equation) it's best to put them to sleep and let them die without any further suffering. It's actually just purely selfish to have them live out in pain into their later years.

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![](/images/16629932481498404.webp)


https://i.rdrama.net/images/17191743323420358.webp

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If you cared, youd get your dog prventative surgery.

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Yea in a heartbeat without a second thought.


:#marseyastronaut:

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Non trust fund cels seething :marseyoverseether:

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250,000 in TC seems low for a codecel who bought a house 8 years ago, no?

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you may not believe this but 250,000 freedombux per annum is a lot of money

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200k is fresh out of college TC at any decent company. 8 years of experience should be 400k+ if he’s any good at his job

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yeah that's what i thought

i guess it's possible not a codecel but given location and phrasing, that was my assumption

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Those numbers may be accurate for FAANG but most software devs, even in SF, don't get paid that much.

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>Pronouns: She/her

Why

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