Are you better off financially than before?
Posted: Thu Jul 11, 2019 12:24 pm
Vote please, AGI delta preferred.
DFD
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Are you better off financially than before?
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Are you better off financially than before?
Posted: Thu Jul 11, 2019 12:33 pm
about 35k lower AGI
Are you better off financially than before?
Posted: Thu Jul 11, 2019 12:56 pm
Pole is worthless at determining strength of the economy. 95% of the forum are young professionals ascending in their careers...there should be some natural improvement in AGI unless full 
economy mode.
economy mode.Are you better off financially than before?
Posted: Thu Jul 11, 2019 12:56 pm
Are you better off financially than before?
Posted: Thu Jul 11, 2019 1:03 pm
Are you better off financially than before?
Posted: Thu Jul 11, 2019 1:03 pm
so I think Mrs. 
cut back on hours?Are you better off financially than before?
Posted: Thu Jul 11, 2019 1:05 pm
Are you better off financially than before?
Posted: Thu Jul 11, 2019 1:07 pm
Ahh, got it.Big Brain Bradley wrote: ↑Thu Jul 11, 2019 1:05 pmyea but at that time all her money was going to debt so its not like it mattered.
Are you better off financially than before?
Posted: Thu Jul 11, 2019 1:13 pm
I voted worse. My puny 2.5-3% raises have not kept up with inflation, plus wife's sabbatical started in late 2014 and just ended this year at less than her previous salary. It would be much worse if we hadn't paid off the 
a couple of years ago 
.
a couple of years ago .Are you better off financially than before?
Posted: Thu Jul 11, 2019 1:13 pm
Happy for those who are significantly better off 
Are you better off financially than before?
Posted: Thu Jul 11, 2019 1:16 pm
Are you better off financially than before?
Posted: Thu Jul 11, 2019 2:04 pm
wasnt married in 2014 so of course its up by a lot.
Are you better off financially than before?
Posted: Thu Jul 11, 2019 2:08 pm
I was 21 at the time and a college dropout. Thank God I'm better off now than back then. AGI is about $55k hopping to be mid 60s by the end of the year. Gotta find dat sugar momma
Are you better off financially than before?
Posted: Thu Jul 11, 2019 2:18 pm
Are we comparing to ourselves or to what the market in general has done in that same time? I guess my answer is still worse either way, from about $160k to $150k household gross 2013 to 2019, with a low of $120k in 2015... so in absolute numbers not much worse, but if taking inflation and lost opportunity cost and future compounding gains into account we have basically ruined our lives compared to the DFD 
crew.
crew.Are you better off financially than before?
Posted: Thu Jul 11, 2019 2:25 pm
I'm not factoring inflation into my vote
Are you better off financially than before?
Posted: Thu Jul 11, 2019 2:29 pm
Wasn't married in 2014, so comparing apples to apples (adjusting my 2018 income without hers) up roughly 22%
Are you better off financially than before?
Posted: Thu Jul 11, 2019 2:41 pm
it is what it is.Are you better off financially than before?
Posted: Thu Jul 11, 2019 2:41 pm
That's an amazing income for where you live!troyguitar wrote: ↑Thu Jul 11, 2019 2:18 pm Are we comparing to ourselves or to what the market in general has done in that same time? I guess my answer is still worse either way, from about $160k to $150k household gross 2013 to 2019, with a low of $120k in 2015... so in absolute numbers not much worse, but if taking inflation and lost opportunity cost and future compounding gains into account we have basically ruined our lives compared to the DFD
Are you better off financially than before?
Posted: Thu Jul 11, 2019 2:51 pm
Are you better off financially than before?
Posted: Thu Jul 11, 2019 2:57 pm
Not really. Any decentmax225 wrote: ↑Thu Jul 11, 2019 2:41 pmThat's an amazing income for where you live!troyguitar wrote: ↑Thu Jul 11, 2019 2:18 pm Are we comparing to ourselves or to what the market in general has done in that same time? I guess my answer is still worse either way, from about $160k to $150k household gross 2013 to 2019, with a low of $120k in 2015... so in absolute numbers not much worse, but if taking inflation and lost opportunity cost and future compounding gains into account we have basically ruined our lives compared to the DFD
is $10k+ per year in property taxes alone and they don't appreciate at all. Most houses are selling for about the same today as they did in 2004, in absolute dollars not counting for inflation.Compare that to... almost anywhere else in the world and we'd be better off to be there. Maybe NYC itself would be worse at the same income?
Are you better off financially than before?
Posted: Thu Jul 11, 2019 2:58 pm
I’ll answer the pole in a couple weeks.... right now I work 0-30 hours a week (last years income was $12k.... not good) and have been spending out of my savings. But since 2014 I sold my condo and purchased a duplex and my property value is going up and up.
Are you better off financially than before?
Posted: Thu Jul 11, 2019 3:14 pm
Yeah, I'm not really sure what this poll is getting at? 2014 was 5 years ago. 31% in 5 years equates to roughly a 6% per year? Basically 3%/year plus a promotion or two and you're there in 5 years.
Regardless of how the economy is doing, AGI should climb. If this is getting at how the economy is doing, I would say something like net worth delta over that time frame measured against the S&P500 or something minus inflation.
Regardless of how the economy is doing, AGI should climb. If this is getting at how the economy is doing, I would say something like net worth delta over that time frame measured against the S&P500 or something minus inflation.
Are you better off financially than before?
Posted: Thu Jul 11, 2019 3:27 pm
And what would that get you ?MrH42 wrote: ↑Thu Jul 11, 2019 3:14 pm Yeah, I'm not really sure what this poll is getting at? 2014 was 5 years ago. 31% in 5 years equates to roughly a 6% per year? Basically 3%/year plus a promotion or two and you're there in 5 years.
Regardless of how the economy is doing, AGI should climb. If this is getting at how the economy is doing, I would say something like net worth delta over that time frame measured against the S&P500 or something minus inflation.
There is a constant bitching on this forum how everyone is worse off than before.
Just curious where the money lies.
Are you better off financially than before?
Posted: Thu Jul 11, 2019 3:30 pm
Ignoring housing, $160k gross anywhere outside of the pay area and NYC is pretty fantastic. You could live like a king in Michigan on that...which you're aware of I'm sure. Not trying to rub salt in the wound of shitty Corning, but you're doing alright dude.troyguitar wrote: ↑Thu Jul 11, 2019 2:57 pmNot really. Any decent
Compare that to... almost anywhere else in the world and we'd be better off to be there. Maybe NYC itself would be worse at the same income?
Are you better off financially than before?
Posted: Thu Jul 11, 2019 3:30 pm
A more accurate measure of how people are doing financially?max225 wrote: ↑Thu Jul 11, 2019 3:27 pmAnd what would that get you ?MrH42 wrote: ↑Thu Jul 11, 2019 3:14 pm Yeah, I'm not really sure what this poll is getting at? 2014 was 5 years ago. 31% in 5 years equates to roughly a 6% per year? Basically 3%/year plus a promotion or two and you're there in 5 years.
Regardless of how the economy is doing, AGI should climb. If this is getting at how the economy is doing, I would say something like net worth delta over that time frame measured against the S&P500 or something minus inflation.
There is a constant bitching on this forum how everyone is worse off than before.
Just curious where the money lies.
Sounds like you want to prove a point and made a poll that doesn't really get you there.
