Are you better off financially than before?

Off-topic? You mean on-topic!

Are you better off financially than in 2014?

Yes, 1-10%
0
No votes
Yes, 11-20%
0
No votes
Yes, 21-30%
2
13%
Yes 31%+
10
63%
No, same
0
No votes
Worse
4
25%
 
Total votes: 16
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max225
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Thu Jul 11, 2019 1:24 pm

Vote please, AGI delta preferred.

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golftdibrad
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Thu Jul 11, 2019 1:33 pm

about 35k lower AGI
Weekly :fax:
? wrote: "Every lie we tell incurs a debt to the truth. Sooner or later that debt is paid."

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Detroit
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Thu Jul 11, 2019 1:56 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 :nuke: economy mode.
Desertbreh wrote:
Tue Oct 10, 2017 7:40 pm
My guess would be that Chris took some time off because he has read the dialogue on this page 1,345 times and decided to spend some of his free time doing something besides beating a horse to death.

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Detroit
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Thu Jul 11, 2019 1:56 pm

golftdibrad wrote:
Thu Jul 11, 2019 1:33 pm
about 35k lower AGI
:wat:
Desertbreh wrote:
Tue Oct 10, 2017 7:40 pm
My guess would be that Chris took some time off because he has read the dialogue on this page 1,345 times and decided to spend some of his free time doing something besides beating a horse to death.

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golftdibrad
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Thu Jul 11, 2019 2:03 pm

Detroit wrote:
Thu Jul 11, 2019 1:56 pm
golftdibrad wrote:
Thu Jul 11, 2019 1:33 pm
about 35k lower AGI
:wat:
Hey I didn't make the rules. in 2014 combined AGI was ~135k and last year it was 100k :iono:


however, in real terms...I think I probably am worse off when accounting for inflation. Not much, bu some.
Weekly :fax:
? wrote: "Every lie we tell incurs a debt to the truth. Sooner or later that debt is paid."

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Apex
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Thu Jul 11, 2019 2:03 pm

Detroit wrote:
Thu Jul 11, 2019 1:56 pm
golftdibrad wrote:
Thu Jul 11, 2019 1:33 pm
about 35k lower AGI
:wat:
:baby: so I think Mrs. :fax: cut back on hours?

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golftdibrad
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Thu Jul 11, 2019 2:05 pm

Apex wrote:
Thu Jul 11, 2019 2:03 pm
Detroit wrote:
Thu Jul 11, 2019 1:56 pm

:wat:
:baby: so I think Mrs. :fax: cut back on hours?
yea but at that time all her money was going to debt so its not like it mattered.
Weekly :fax:
? wrote: "Every lie we tell incurs a debt to the truth. Sooner or later that debt is paid."

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Apex
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Thu Jul 11, 2019 2:07 pm

golftdibrad wrote:
Thu Jul 11, 2019 2:05 pm
Apex wrote:
Thu Jul 11, 2019 2:03 pm


:baby: so I think Mrs. :fax: cut back on hours?
yea but at that time all her money was going to debt so its not like it mattered.
Ahh, got it.

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wap
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Thu Jul 11, 2019 2:13 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 :haus: a couple of years ago :doe: .
:wap: Where are these mangos?

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wap
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Thu Jul 11, 2019 2:13 pm

Happy for those who are significantly better off :doe: :like:
:wap: Where are these mangos?

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Detroit
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Thu Jul 11, 2019 2:16 pm

Apex wrote:
Thu Jul 11, 2019 2:03 pm
Detroit wrote:
Thu Jul 11, 2019 1:56 pm

:wat:
:baby: so I think Mrs. :fax: cut back on hours?
Ohhhhh makes sense.
Desertbreh wrote:
Tue Oct 10, 2017 7:40 pm
My guess would be that Chris took some time off because he has read the dialogue on this page 1,345 times and decided to spend some of his free time doing something besides beating a horse to death.

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dubshow
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Thu Jul 11, 2019 3:04 pm

wasnt married in 2014 so of course its up by a lot.
This post is illegal in the European Union.

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CaleDeRoo
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Thu Jul 11, 2019 3:08 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

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troyguitar
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Thu Jul 11, 2019 3:18 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 :alpo: crew.

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Tarspin
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Thu Jul 11, 2019 3:25 pm

I'm not factoring inflation into my vote

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4zilch
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Thu Jul 11, 2019 3:29 pm

Wasn't married in 2014, so comparing apples to apples (adjusting my 2018 income without hers) up roughly 22%
Melon wrote:
Tue Sep 18, 2018 9:41 pm
Don't discuss things you want on here.

This is only a place for 100% facts.

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max225
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Thu Jul 11, 2019 3:41 pm

Detroit wrote:
Thu Jul 11, 2019 1:56 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 :nuke: economy mode.
:gtfo: it is what it is.

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max225
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Thu Jul 11, 2019 3:41 pm

troyguitar wrote:
Thu Jul 11, 2019 3:18 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 :alpo: crew.
That's an amazing income for where you live! :like:

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Detroit
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Thu Jul 11, 2019 3:51 pm

max225 wrote:
Thu Jul 11, 2019 3:41 pm
Detroit wrote:
Thu Jul 11, 2019 1:56 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 :nuke: economy mode.
:gtfo: it is what it is.
Too many variables. Worthless.
Desertbreh wrote:
Tue Oct 10, 2017 7:40 pm
My guess would be that Chris took some time off because he has read the dialogue on this page 1,345 times and decided to spend some of his free time doing something besides beating a horse to death.

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troyguitar
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Thu Jul 11, 2019 3:57 pm

max225 wrote:
Thu Jul 11, 2019 3:41 pm
troyguitar wrote:
Thu Jul 11, 2019 3:18 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 :alpo: crew.
That's an amazing income for where you live! :like:
Not really. Any decent :haus: 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?

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haleyann
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Thu Jul 11, 2019 3:58 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.

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MrH42
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Thu Jul 11, 2019 4:14 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.

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max225
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Thu Jul 11, 2019 4:27 pm

MrH42 wrote:
Thu Jul 11, 2019 4:14 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.
And what would that get you ?

There is a constant bitching on this forum how everyone is worse off than before.
Just curious where the money lies.

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Detroit
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Thu Jul 11, 2019 4:30 pm

troyguitar wrote:
Thu Jul 11, 2019 3:57 pm
max225 wrote:
Thu Jul 11, 2019 3:41 pm


That's an amazing income for where you live! :like:
Not really. Any decent :haus: 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?
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.
Desertbreh wrote:
Tue Oct 10, 2017 7:40 pm
My guess would be that Chris took some time off because he has read the dialogue on this page 1,345 times and decided to spend some of his free time doing something besides beating a horse to death.

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MrH42
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Thu Jul 11, 2019 4:30 pm

max225 wrote:
Thu Jul 11, 2019 4:27 pm
MrH42 wrote:
Thu Jul 11, 2019 4:14 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.
And what would that get you ?

There is a constant bitching on this forum how everyone is worse off than before.
Just curious where the money lies.
A more accurate measure of how people are doing financially?

Sounds like you want to prove a point and made a poll that doesn't really get you there. :iono:

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