在美國掙年薪十萬怎麼個活法?

35樓：
----------------------------------------------------------------------------------
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。
-----------------------------------------------------------------------------------
這裡說的是家庭收入年薪十萬，你說的是個人收入年薪十萬。加上你老婆的15萬(你說的比你高出許多，就按15萬算吧)再加上灰色收入，估計你家的年收入在30萬左右。這樣的收入別說在寧波就是在上海深圳這樣的城市老老實實過日子也會很滋潤。
年薪十萬在美國生活，如果在紐約洛杉磯這樣的城市住雖然不會太緊張但一年下來也剩不下什麼錢，如果在消費比較低的州或城市生活還算比較輕鬆。
同樣的一個州而且房子和地的面積也差不多，我家的PROPERTY TAX一個月要$950，我同事家的才$300多一點。
不光是DAYCARE，還有小孩的教育哪。學中文學畫畫學鋼琴滑冰滑雪游泳。。。。。還有像我們這樣全家兩年回國一次的，哪次回去不得花個五千到一萬的。
個人的情況不一樣，所處處的LOCATION不一樣，花錢的側重點不一樣。詳細列表沒什麼大意思，還是量財而行吧。。。

[QUOTE=空手]不能單看單純性工資收入,因為中國人在美國的時間短加上國內的觀念很難轉變. 國外一般沒人看這種單純性收入,一報稅就知道了,要看所有的收入,COMBINATION INCOME. 有人可能沒有什麼年薪,可COMBINATION INCOME可能會高過年薪10萬.剛在國外生活,10萬年薪可能是可以的,時間長了,就知道這也是錢,那也是錢,年薪10萬,我想,在美國還是沒能力把孩子送私校的吧..[/QUOTE]

We do use income instead of salary for discussion, but you must agree that for most people here salary is their major income. Home value may be increased over time, so does 401K or IRA investment, but those are more for retirement and do not change people』s live  in the short run.

q

[QUOTE=相逢_一笑]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[/COLOR].[/QUOTE]

This article focuses on中國留學生家庭。The most of them have Master degree or higher education and income for this group in general is higher than the 「undereducated (in U.S.)」 immigrants you mentioned.

Making $60,000 a year is not too bad, comparing my first job of $33,000 a year back then. As long as you work hard, of course, smart as well, everyone can accomplish their 「America dream」.

You are absolutely right, 「Comparing neither make you earn more nor make you happier」. 人比人，比死人。Enjoy your life regardless how much you make.

I am not quite agree to us-refox's calculation: 減去Two Car (loans, maintenance, insurance) $15,000.  Usually, you can payoff your car around 3 years, which will reduce the expense a lot.  Even better, a lot of Chinese here don't have car loan payment at all.  Buying a car without a loan should not be difficult at all for a $100K family.  On the other hand

Sure, each family is different. I just wanted to be as general as possible. Without car loan, the cost for two cars should be less than $5,000/yr. However, the money for the full payment of two cars still needs to come from your pocket, right? In addition, car needs to be replaced/upgraded once a while (say 4-10 years) and that costs you $$.

I just wanna learn how to save money becasue I donot have enough money to live here.
it alwayse is a terrible thing to count my balance at the end of the month.

need find other way to earn more money ...........

In general, us-redfox's calculation is about the right number.  However, as 空手said, 時間長了慢慢就會輕鬆下來, especially after payoff the Mortgage.  My priority of using money is 401K first, then mortgage.  Try your best payoff mortgage as early as possible.  Of course, at beginning, one can buy a cheaper house first, then buy second one later when having more money, and renting out the 1st.  That is the way to: 錢賺錢，而非人賺錢。

just graduate,

buy a hourse  or rent a house? which one is better?

Very good question.  Check this out.  The Buy vs. Rent Decision

thank, I am reading now

[QUOTE=yxw1]...Try your best payoff mortgage as early as possible....That is the way to: 錢賺錢，而非人賺錢。[/QUOTE]

You are smart, pay off mortgage as early as possible, and I did it long ago.
When you have no money, 人賺錢, later 人賺錢 & 錢賺錢, at last, 錢賺錢。huhu。

紅狐，你的理財經都上倍可親新聞首頁了，祝賀呀。

https://big5.backchina.com/news/2005-04-21/54035.html

我以為是你轉上去的呢。

具體的你甭管。

反正是從咱這噶瘩出去的，就值得高興。。

是，水mm，不管白帖黑帖，能懵老鼠就是好帖。

[QUOTE=TROUBLEMAKE]年薪十萬在美國生活，如果在紐約洛杉磯這樣的城市住雖然不會太緊張但一年下來也剩不下什麼錢，如果在消費比較低的州或城市生活還算比較輕鬆。[/QUOTE]

另外看上去工資高,但幹什麼都要錢,在國外沒有便宜的LABOR,除非你自己什麼都能幹,這也是不可能的. 去年搬家,其他東西不說,搬一個鋼琴,前後一小時左右,$450.

找電工接4個POWER POINT,前後用了$1300.

國內需要用這麼多錢嗎? 國內有錢的人,錢多得沒地方用,沒錢的人,就是為了一天三頓飯.

[QUOTE=空手]...搬一個鋼琴,前後一小時左右,$450...找電工接4個POWER POINT,前後用了$1300...[/QUOTE]
你這都什麼錢，紙錢？給人宰了吧？！

[QUOTE=chujiakang]....在國內，年收入10萬元（人民幣）的家庭，生活質量也許要比在美國年收入10萬美元的家庭還要高一些....[/QUOTE][/COLOR]
美國年收入10萬美元的家庭的確算不上富翁,但對於許多留學生來說,這一小康水平的生活還是可以達到的.樓上既然認為"國內年收入10萬元（人民幣）的家庭，生活質量也許要比在美國年收入10萬美元的家庭還要高一些",那麼最好是用事實說明一下到底國內年收入10萬元人民幣的家庭生活質量如何（有代表性的）??交多少稅?多少錢用於房子,車子,醫療,教育,娛樂,退休,等等.
一切以實際收入為準,貪污公款,以權謀私,受禮,泡妞等享受要麼除外,要麼折價算為收入.
事實勝於雄辯，Fox絕對不相信國內10萬人民幣會好過美國10萬美元生活的說法，不過既然有人提出，Fox願意引頸側耳恭候回答。

10 萬年薪，在美國真的不算什麽。要知道，美國在每年報稅的時候，年收入在13萬以下的算是低收入，要享受很多扶貧資助。沒有必要炫耀10 萬年薪，說真的在美國年薪10w可是遠比不上在國內年薪10W的生活。10 萬不至於燒成這樣子了吧。