在美國掙年薪十萬怎麼個活法?

不要太激動，作者總的來說還是認真的，是本著實事求是的原則的。

just graduated, only 60,000 /yr, have to  pay tax ,
will marry this summar, gf is still in school.

how can I live here???

just graduate, only $60,000/yr, after pay tax, almost nothing have.
will marry this summer, gf is still in the school.

How can I live here???

Of course you can. Everyone has to go through the initial step, and you will make more in the future.

Once you have a job, you can begin to build your credit, and then be able to borrow money for your car, house, etc.

How many years do I need to wait for having money, car and house, etc ?
Maybe need go back CHINA...

If you are not happy with $60k/yr here, how much do you expect to make in China in order to be happy??

聰明的人，應該在美國取得學位，再掙它個幾十萬美元，然後回國當官。把美元換成人民幣，在國內消費，生活質量絕對超過在美國年薪30萬美元的家庭。
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當官也不是想當就能當的,...在中國人人都知道要當官,就想人人都知道神仙好一樣.

我覺得中國人在海外太看重工作,太看重年薪,其實為了份工活得很辛苦...其實我們應該在理財投資上下點工夫,如你20幾歲出國,能在50歲前能達到FINIANCIAL FREE,...我覺得這樣要比10-20萬年薪還滋潤,...

也來湊個熱鬧。

1。這家人好像不看電影，不花錢買VCD。俺們不會從網上下最新的電影，只好買正版VCD，每個月都得花些錢。
2。他們把旅遊的花銷好像也沒算進去。
3。年薪10萬，除掉401還有所有的稅，剩八萬不太可能。除非，401K買的很少。401K每人每年可以買一萬多，如果買滿了(俺家就是這樣)，可以免稅，就剩不下八萬了。

下面的假說就值得推敲。。

If you earn $100K per year and live in Oklahoma, you can live in a masion with a hugh lot in a good neighbourhood.  The living expensive there is the lowest in all states.

If you earn $100K each year and live in Texas, you can afford a 3,000 sf new house.  The living expensive is also low.  There is no state income tax there.  Austin, TX is a very nice town to live in.  Almost all of my Chinese friends in Austin live in brand new big houses!

If you earn $100K per year and live in NYC, Boston, SF, LA, SD areas, you probably can afford a condo.  The living expensive in these cities are very high.  The medical insurance here is $600 each month for 2!  Auto insurance is $1500 per year for two cars.  I haven't included property tax, home owner insurance etc. costs.  If you live in a rental apartment, one bedroom apartment not in a good neighbourhood in new England area is at least $900 per month.  If you want to live in a good neighbourhood, the price will be much higher.  If you want to stay in these cities and have good life described by the author, your family must earn at least $200,000 per year.

seems here are all rich people. my dream is earning 60K in LA., Which should be very poor here, but would be better than lots of immigrants. The average earning for the "uneducated"(not college graduated in U.S.) immigrants is around 20,000-40,000 a family (for those I known, many of them are happy). Nothing need to complain about. enjoy your life! Comparing neither make you earn more nor make you happier.

網路上有些爭論，罈子也就活躍起來了。互相拍磚的感覺真不錯。呵呵……

老兄在國內年薪十萬，倒也自在。哈哈，羨慕死我了。說真的，國內要是10萬一年，有假就放，還有何求。

回國內當官的訣竅：

海龜回國當官其實並不困難。

首先你必須是貨真價值的真海龜，有名牌大學的學位，碩士、博士和MBA，而不是《圍城》裡面那個方鴻漸的「佳里登」大學；

其次，回國后最好參加一個民主黨派，譬如民盟、民革或者致公黨，在黨派里要活躍一些，當個副主委、常委什麼的；

再次，要多關心地方的經濟發展，提出一些切實可行的意見建議，引起地方當局的採納和重視，納入統戰部和組織部考察的視野。

這樣，你就有戲了。如果你還是女的，還是少數民族，那麼就有90％的希望了。君不見，「無知少女」（無－無黨派非黨人士，知－知識分子，少－少數民族，女－女性）最容易得到提拔重用了。

有名牌大學的學位，碩士、博士和MBA
專業也很重要吧？學數學的行嗎？中國數學好的有一籮筐。

32樓：
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老兄在國內年薪十萬，倒也自在。哈哈，羨慕死我了。說真的，國內要是10萬一年，有假就放，還有何求。
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在寧波，年收入10萬人民幣，只是中等偏上收入水平，還是比較寒酸的。偶在家裡就抬不起頭來：LP比偶多許多啦。

假設4口之家，30萬(20% down)的房子，一人的401K及兩人的IRA等避稅養老金全存滿, 兩輛車:
Income -- $100,000
減去 One 401K $13,000 = $87,000
減去SSTax (7.65% * 87,000) $6,600 = $80,400
減去Federal Income Tax $7,300加上Child Income Credit $2,000 = $75,100
減去State Income Tax (3%) $1,800 = $73,300
減去Property Tax $4,000 = $69,300
減去Mortgage ($250,000 30yr 6%) $18,000 = $51,300
減去Property Tax and Insurance $4,500 = $46,800
減去Medical/Dental Insurance $2000 = $44,800
減去Roth IRA for two people $6,000 = $38,800
減去Two Car (loans, maintenance, insurance) $15,000 = $23,800

平均每月剩下約$2,000, 要用於吃飯，穿衣，水電，房子維修，電話，cable，上網，手機，玩，旅遊，電器，計算機，傢具，小孩教育，看病的co-pay，等等。
看來還是滿緊的。當然，這已包括每年存的兩萬養老金了。

各位看看這樣的計算是不是更準確一些？？

day care也是不可忽視的一筆花銷，如果兩個孩子同時上DAY CARE，日子過得還要緊。。

Fox對當官沒興趣，否則當初就不出國了。而且如果要當官就當大官，當個小七品芝麻官有什麼意思？？

可那你就又會多一份收入了？

帳可以算的這樣細,...時間長了慢慢就會輕鬆下來,說實話,從來沒拿過工資不也過來了.