2meirl4meirl

If we take out 7k of the gross $46,0000/yr for healthcare and retirement....

$5,700 for federal taxes, another k for state taxes...

That's about $2692 a month, net. Subtract the just over $2k a month listed, there's another $400 a month for.... Utilities, phone, transportation, entertainment, savings, emergencies.

Even as rent is under 25% of income, pretty tight. Doable. But very tighter. You will never retire saving $4000 a year. You can never get sick. You apparently walk to work.

Pretty much have to get a roommate until the student loans are paid off.

Talk with the student loan provider. Get on income based repayment plans, you end up paying more in the long run, but less each month (or none at all) so you can at least eat.

I want a single bedroom apartment for 850.

The system has made it impossible to live alone. You pretty much have to pair up with someone and split finances, whether that's a romantic partner or a roommate or whatever. You have to be absolutely killing it to be younger than 40 and living alone right now.

I'm realistically in the situation OP is trying to get at. I'm making over $30/hr, I've been in my career a few years. I pay $1500 towards my housing expenses each month (rent/mortgage, electricity, heat, etc). I pay something like $500 in insurance between my vehicle and home, probably a bit less... My debt repayments are well over $1000/month. I pay $100 each for my cellphone and internet....

I have a slew of other expenses I can't really enumerate. When I factor in food and gasoline, etc, I basically have no money left. I might have $200 left each month if I'm very thrifty with food.

You know what I'm doing? I'm in the process of getting my finances into a system that can help me visualize the spending and plan for my month over month budgeting. I'm trying to find where I can find costs I don't need, and cut costs where I can. My work requires me to have a car, and while my vehicle is older, it works great and is pretty good on gas; best of all, I've paid off my car. I'm trying to dig myself out of this situation I'm in, and get in the black eventually. I'm tired of worrying about debt, which I've been in for nearly 20 years, in some way, shape or form.

Thats the neat thing, you're not!

If anon is in the US, they can switch to a SAVE plan which would make their monthly payments zero and get the loan discharged after 20-25 years. It's not much, but it's something.

You pay whut on your student loans. You've been hosed Davy

numbers don't check out

lists $2250 expenses.... 100 hours of work per month would cover it

I know they have other expenses, but they failed to list them and failed to make their point.

Spend less on candles.

Kids keep going to college with the promise of making 400k/year, but normies don't get that. College is good and all but employers generally don't care which college you went to, or your major (if not directly related), what matters is who you became friends with in college, and who their parents/uncles are.

Better off studying something specific, vocational schools, trade schools. Learn something specific, either no or small loan

You have nothing to lose, but your chains.