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(The Atlantic)   A look at how Americans spent their money in 2012, all broken down by income disparity   (theatlantic.com) divider line 104
    More: Interesting, income disparity, Americans, pie charts, Bureau of Labor Statistics  
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17171 clicks; posted to Main » on 17 Sep 2013 at 12:35 AM (42 weeks ago)   |  Favorite    |   share:  Share on Twitter share via Email Share on Facebook   more»



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2013-09-17 03:20:27 PM

bluefoxicy: Looks like this guy needs a bike that can hold him (300lb jesus dude I hope you have overbuilt 40 spoke wheels) and hold up to constant commuting use (i.e. baseline duty cycle with high amounts of use, not hammering the shiat out of it like heavy mountain biking or BMX or racing with ridiculously high torque).  $400 is underspending, but it'll at least not fall apart under him and kill him in 2 or 3 months.


Yeah, the bike isn't the greatest, but it works.  Among other things, I wish it was the next size up (It needs MUCH higher handlebars), but they don't let you take the next size up onto the train.

And at this point, as the original parts fail, I replace them with the next rung up.  So when I cracked the shiatty pedals, I went and bought the good $100 pedals that stick to your shoes.  Next step is to get a higher handlebar with those undergrip bits.   So now all I have to do is figure out why my front bracket is squeaking AGAIN (despite having been replaced twice in 2 months and recently oiled), and it's all good.  And then of course we have the cracked ribs bit, so that's nice.

All I'm going to say about the 300 pounds is this:

[Talledega Nights Ricky Bobby Prayer Voice]
Dear Lord Baby Jesus, I thank you for making me 6'4" and wide, so that when I was pulling 3 all-nighters a week in school and doing it by eating WAY too much food (At one point, I was eating a pint of ice cream and an entire family-sized bag of chips every night along with my hour of pigging out in the dorm cafe (If you went at 3:00, you could catch both lunch and dinner)) so that I never needed sleep (Food, sleep, water, pick 2) and never going to the gym because I didn't have farking time between 2 jobs (7 AM shifts yay) and 16 credits, I became merely fat instead of landwhale.

And I thank you for having Dad work at a physical job and be a big believer in nepotism (at $8/hour starting at 5 AM 7 days a week).  Because when I gained my Freshman 40, I was able to lose it all in 4 months while still being a filthy decadent slob.   And that way, when I gained my sophomore 60 (because of the 2 jobs and 16 credits), I was only up to about 300.  And when I went back to the golf course after I got back from Seattle, I was able to drop 10 pounds in 3 weeks which basically made up for the 20 pounds I gained junior year (0 jobs, 16/12 credits, but those were some farking HARD credits), and the 10 I gained senior semester while jetting around the country for interviews.

And I thank you for kicking me out of my apartment (month to month lease got cancelled) just as my work moved to become much less convenient by car (FU Palo Alto) and much more convenient by train.  Also, I thank you for doubling the length of my bike ride home when I moved to be next to transit (and bars.  Can't forget the bars.  Going drinking and dancing for 4-5 hours is usually good for a couple of pounds, especially if you drink vodak instead of beer).  Because now even on my "lazy days" where I take the train both ways, I'm walking/biking 3 miles, which is 2 miles more than I was walking on good days in college.  And when I decide to bike home, it's a minimum of 8 miles, and could be more than 10 if I go via Shoreline.

Amen.
[/Talledega Nights Ricky Bobby Prayer Voice]
 
2013-09-17 04:01:43 PM

leadmetal: What about "government"?  That's one big expense that isn't in tfa. 
Guess people aren't supposed to realize just how big of a bite government is taking from them.


Yes, and good luck finding a place to live and work that doesn't require you to give some money to the government. I'll especially enjoy watching you come begging for help like those assholes who keep requiring rescue because god wants them to drown but is apparently too nice to really tell them that....
 
2013-09-17 07:05:34 PM

dletter: Everyone who is mentioning the taxes... obviously since they didn't list that, I am assuming that this is assumed to be spending on your "post-tax" income.  So, we have to start there.

I see a few people harping on that the poor still spend around the same 5% on entertainment as the rich.  A poor person making $15k a year post taxes.... that is $750 a year on "entertainment" (or roughly $15 a week).  I mean, come on, $15.... if you are harping on them for that, then, you are basically saying you can't have any "entertainment".  Which is fine, but, realize what you are saying.


I don't understand why so many people insist that "entertainment" is a valid budget category. There are plenty of ways to amuse yourself and/or your family that do not cost $300 a month, though I would understand if that $300 a month was being saved up for a big vacation once a year.

I get most of my entertainment from the internet at a flat $36 a month: free movies, tv, Fark, email, Skype, college courses, bill-paying, etc.

As for food? That's all grocery store stuff, and I try to keep it under $100 a month.  I might dine out with a friend maybe once every three or four months at best. And yes, I do budget enough for a sixer or two of good beer twice a month. That's budget item is called "therapy," and it's non-negotiable.
 
2013-09-17 07:31:21 PM

WordyGrrl: I don't understand why so many people insist that "entertainment" is a valid budget category. There are plenty of ways to amuse yourself and/or your family that do not cost $300 a month, though I would understand if that $300 a month was being saved up for a big vacation once a year.

I get most of my entertainment from the internet at a flat $36 a month: free movies, tv, Fark, email, Skype, college courses, bill-paying, etc.


To a certain extent, it's MISC, but slightly more explicit.  Doing NOTHING but work, even when it's NOT physical or backbreaking just sucks.  Especially if you're dealing with shiatty mass transit.

So you take $X/month, and say "This is mine".  And then when the new movie comes out, you can say "Do I have $5 to go see the matinee?".  Or the new Dresden Files book comes out for $8.99 on Kindle and you can get it without feeling guilty.

And it just makes life a little easier.
 
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