Thanks to Ramsey I focused hard in 2024 and paid off my CC and car loan! 35K in total paid off this year! I feel so much more free and lighter going into 2025! 🎉
I remember listening to your dad in 1996-1997 sitting in the back of a friend's cadillac, listening to his money advice. Today, I am debt free! Your dad is a good man!
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Here are some real numbers to look at total pay for the year $80,827.52 TAXES $21,733.24- 401K $4,311.04 NET TAKE HOME $54.783.24 State of Massachusetts.
You said that average income was $59k, which is $4917/mo before taxes yet average monthly expenses totaled $5952/mo. You see the math problem here, average expenses are more than $1000 a month than average gross income without paying taxes. People must be building up debt, this is unsustainable, they are in a Doom Loop
Family of four here. We had $3,500 a month in expenses a year ago. No housing or car payments here helps a lot. We actually probably spend less now since both kids are off to college and their college 529 fund supports them 9 months out of a year. We easily save more than 50% of our income.
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For a family of 6 making less than $59,000 we keep things buttoned up. Our mortgage including taxes and insurance is $835 a month. We spend $400-$500 a month on food including specialty items to account for food allergies in our home. Transportation including insurance, gas, and matinence fund is $3,900 a year for an average of $325 per month. Insurance (health and dental) is $760 a month and my husband gets his free from his job so it's just the kids and I. His retirement accounts are automatically taken out so I'm not sure how much it is because it's before we get the check. We spend around $50 a month for entertainment and use the library for books. $300 for diapers and wipes. $75 for misc. $0 for apparel and services. Sinking funds for birthdays, Christmas, pet medical and dental, travel, ect is $200. We pay $600 upfront for the year on phones and it's been great.
@vincentlopez9944 Just because you don't know how doesn't mean it's not possible. I make everything from scratch and only buy ingredients. No frozen meals and no premade food. Everything in our home is made by me including bread, snacks, and condiments. I buy milk, cheese, some of our fruits and vegetables (things I can't grow due to our climate), grains, heavy cream, almond milk, and specialty dairy free ingredients for one of my kids. I source meat, dairy, and most of our produce from local farms and ranches. I'm about to get a year's supply of red meat for free. My father in-law and brother in-law are going hunting and will bring back deer and wild hog. They typically come bag with one per each of our families. I get my eggs for free from my mom and before she raised chickens I traded homemade goods for eggs. Even my milk is local and I make my own butter from it. Most months I only need around $300, but we budget $500 on the off chance we need to buy milk, eggs, cream, ect from the grocery store.
@@vincentlopez9944 Just because you don't know how doesn't mean it's not possible. I make everything from scratch and only buy ingredients. No frozen meals, no premade food. Everything in our home is made by me including bread, snacks, and condiments. I buy milk, cheese, some of our fruits and vegetables (things I can't grow due to our climate), grains, heavy cream, almond milk, and specialty dairy free ingredients for one of my kids. I source meat, dairy, and most of our produce from local farms and ranches.
As someone who makes about $65K a year in gross, these numbers don't make any sense. Is the $60k a year on average in net? Or is this just including household incomes of well over $100k? All I know is I'd be in the negative after the first 3 categories and my gross is about average, unless the average is going off of net. Or Taylor Swift and Warran Buffet are skewing these numbers.
I don't follow the comment of gross vs net? I believe she was taking average per capita income of 59k and then giving average household expenses. So most households have two earners which would place income over 100k on average. There is no reason a single individual would be anywhere close to $800 in food per month, is there? We use $15 /day or $450.00 per person and have lots of money to return to our surplus from that level. $800 sounds about right to me for a household of two. Transportation was way up there as well, so I'm guessing two vehicles? Housing sounded about right, but not if your home is paid off.
@@Financialwiz4567Household means a total of income coming in, whether it's from one or two people. If you had two people making 59k each, then the average HOUSEHOLD income would be 118k.
@OHIO-EXPLORATION Well... it's average... so once you get that definition down, it's the average personal income, not household. The expenses, though, are per household. The average spending won't add up to the average income because that's not how that works. Yes, the income is gross average.
Also, how many people are these averages accounting for? Is it household? It is per person? I thought the average household income was closer to 75k but she says 59k, I'm confused.
Family of four, two are very young, we live in a tiny pocket with unusually low food costs. We don't eat out, and I cook almost everything from scratch - including mayo, but not including ketchup. We spend just over $1000 on food each month. That food number is artificially low. Unless maybe it's per person?
@@MrsAngelala We're a family of 6 and budget $400-$500 per month. A lot of months we come in around $350. I make everything from scratch as well. There is nothing in my home I don't personally make.
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Buckle your seatbelt, the following is a true story. I am a retired California Highway Patrol Officer. Before the housing crisis, I was assigned as an undercover detective to a drug task force. I did not return to the CHP for five years, but I did return mid housing crisis. When I became a detective, cops drove Toyotas, Fords and Honda’s. I will never forget my first day back at the CHP. The parking lot was filled with BMW’s, Corvette’s and a few Porsche’s. It truly appeared like an asset forfeiture lot filled with vehicles used by drug dealers. Shortly thereafter, I discovered many CHP Officers were facing repossession of their $800k+ dollar homes. Because the CHP paid a minimum of 4 hours, at time and a half to attend traffic court, I discovered numerous cops were writing, what I refer to as bogus tickets. I will briefly describe a scheme. The speed limit was 65, traffic moves at 75+, but there is always one person that drives 70 in the middle lane, getting passed on both sides. Officers would write that individual a speeding ticket knowing the individual would take it to court. After all, the violator was speeding and it is a maximum speed limit. The driver always had the same story, they were driving 70, but being passed on both sides. However, because they exceeded 65, it was always, “guilty can you pay today.” Cop shows up to traffic court for 5 minutes of testimony and at that time, cop earned about $500. Okay one more. Truck drivers need a license to pay bills. In California the maximum speed a truck can drive is 55. Officers would sit on a downhill grade shooting Lidar allowing 90 MPH cars go by, but zing a trucker for 62 MPH. 98% of truckers subscribe to various traffic attorney programs. Truck drivers always plead not guilty hoping the cop is too busy to attend court. Cop shows up in court, collects $500, goes home. The cops did not violate the law, but they did use it to make money. Many today make, including OT, $250k+ per year. Where else can a person with a GED make that kind of money? No, I couldn’t rat anyone out, if I did, I would not receive cover.
HHI is 150K, expenses are about 3-3.5K in SoCal. Renting instead of buying, and saving/investing the rest. Rent including utilities is 2K. No debt helps a lot.
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$1000 is about right for a car. My car with depreciation, repairs (hoses, gaskets, water pumps, etc.), maintenance (tires, oil, brakes, filters, bulbs, belts, sparks, fluids, etc.), insurance is at $533 but I only do 10k/yr. Wife's car is about $1200 (she puts on way more miles so depreciation takes its toll). My employer pays about $600 each for medical and dental (total/members).
I always make miscellaneous amount the same as the budget, for example if your budget is $1000, then miscellaneous will be $1000, basically doubling your budget, will never go wrong with this one.
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Family of 4 and our "grocery" expenses are $3500 per month. That includes everything you buy at the grocery store (food, house supplies, personal hygiene, etc)...
@@ballan00 That's out outrageous. For a family of 6 we budget $400-$500 per month and usually come in at $350-$400. For house supplies, personal hygiene, things for out pets, ect we only spend $30-$150 per month. The $150 months are when everything runs out and needs to be replaced including all of my makeup items.
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You started by giving an annual average salary amount of $59,000. Then you switched to monthly amounts for expenses. This was done at the line level, but you didn't give a total monthly expense amount. I was hoping you'd give totals of income and expenses by annual amounts or monthly amounts so I'd get a better idea of where expense amounts stood compared to income amounts. Was this done by design?
What broke my husband and I was the maintenance on our former house. We averaged $17-19k per year on house maintenance and repair etc...nobody prepared us for. We sold it for a tidy profit and paid cash for a condo. Our monthly HOA is almost a third of that annual cost and controlled. We felt like we made the American Dream buying a home but it was the thing that sunk us in debt in short order. We course corrected but $2100 per month...on housing? Not our experience in a wildly affordable midwest locale
In the same boat.. it's crazy. I've put about 130K into a house I bought for 390K 4 years ago. Now average that out into per month and my monthly payment to own the house basically was $2,700 extra in maintenance over the last 4 years. My actual house payment is only $2,050 including tax and insurance.
@@Charlesbjtown yes...two furnaces, two air conditioners, a two story composite wood deck replacements, 4 trees trimmed, 2 trees removed, fence replacement, landscaping refresh, lifting cracked driveway, custom skylight broke and was quoted at $35k to replace - we just roofed over it for a fraction of that...carpet in the finished basement needed replacing, chimney cleaning and maintenance for three for three fireplaces...one year of yard service when my husband was incapacitated by back to back joint replacements one year... Shenanigans I don't wish on anyone. The house was built in 1989 by a former NFL player but revealed a lot of deferred maintenance and at 4800 sq ft it added up fast. The windows needed replacing still when we left...
@@Charlesbjtown I don't know why you choose such rude words. It wasn't junk, it wasn't correctly maintained by the previous owner. The only alarm bell on inspection was the two story deck which I negotiated a price drop from the seller. The lesson we learned is to know when to call it quits before we get too deep and pull back into something simpler with no mortgage. I hope you have a kinder, gentler evening. Grace and peace to you.
I feel like $300 for entertainment is a little high, unless that includes activities outside of the house. When I see entertainment, my mind goes to subscriptions. I budget $80/mo for activities and $50 for subscriptions (this includes the yearly ones that are divided by 12 and budgeted for in advance). I am a homebody though, so I can see how my entertainment could be more if I wanted to go out a lot.
We're BS7, and our entertainment budget is $100/month total for our three person household. That includes eating out, because as Dave says, restaurants are entertainment.
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Anyone else calculate the numbers in this video? Average Salary: $59,000 ($4,916.16/month) Monthly Expense in the Video Housing: $2,120 Food: $832 Transportation: $1,098 Healthcare: $513 Personal Insurance / Pension: $796 Entertainment: $303 Reading: $10 Misc: $110 Apparel and Services: $170 ------------------------------------------------------------------------- Total: $5,952 THAT MEANS ON AVERAGE THE AVERAGE AMERICAN IS OVER SPENDING BY $1,035.84 AND THIS DIDN'T EVEN INCLUDE TAXES AS A CATEGORY. THIS IS NOT SUSTAINABLE FOR CONSUMERS, STATE, OR FEDERAL GOVERNMENT!!!
So based on these numbers, the average American has $1000 more in expenses per month than they make. $59,000 a year is only $4,900 a month. These items totaled $5,900 a month.
With just my husband and I, and being totally debt free, we pay $640 (rounded up) a month for utilities. Water, gas, sewer, electric, trash pick up, wifi, Verizon, and car/home insurance. We use credit cards for other expenses and they are all paid off before we get the invoices. We are retired and travel very little. Our income places us in the lower middle class, so being debt free is the best. We own our vehicles, home, and property. I don't know how we would make it if we had to pay for vehicles, and rent/mortgage. We pay nothing for entertainment, outside of wifi. We do not eat out. We buy a full butchered steer every 18months to 2 years. Everything per family will be significantly different, so I don't see how the numbers on the data can even be average. To me, there is no average when it comes to finances.
We have much in common. It's just me. My utilities are $312 a month. That includes wifi & cell. Insurance on house and car is $308. This does not include my property taxes. I've looked into buying a side of beef but didn't think I'd ever finish it LOL.
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this video says the average American makes 60k (5k per month) and spends $5156 on Housing, Food, Transportation Medical Entertainment, Reading, Misc and clothing. Zero in taxes and zero savings and zero investments. This can not be true.
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When personal insurance/pension got mentioned, I wonder if it also includes 401k & retirement contributions because I allocate a good amount towards those accounts for growth.
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I'm kind of curious to know why no dental insurance, and why you'd prefer to pay out of pocket for that. Cleanings are at least $125 each without insurance. I know it's not necessary to have, but seems a bit odd to not have it. Dental isn't really that high of a cost.
Depends upon the policy. Through my workplace, braces (which my kids needed) were excluded. There was a deductible per person and a limit each year. The cost of the policy was not worth it.
Lol I did a calculation because I remember housing should be 30% or less of monthly income. I'm sitting at 34% and just realized national average is 45%... no wonder people are struggling!!
They included money spent on reading but not gym and health (supplements, skincare, etc)??? Also would’ve been nice to provide the total value at the end.
All of those numbers are absolutely insane. I mean just near me are several appt complexes that rent for 800-1.2k. And i live in an expensive neighborhood. You're choosing to spend more than you need to. Your alls spending is out of control. Your 2k+ rent is more than all of my monthly expenses combined. That includes travel & fun. Your food bill would feed me for nearly 4 months. I like nice things like everyone else. But i don't like paying ridiculous amounts when you have options. Sure..im slower at getting things than you probably are. Im more patient and wait for deals. People mistake wants for needs. I want a new lens for my camera. I don't need a new lens. I can afford to wait. And my inner child that wants it now can just be patient. I waited 3 years for that lens and hot a great deal on it. Break down what you need vs what you want. Its ok to want it. But all wants are luxury.
Average maintenance cost for a car is 120-150.00 per month + truck and or EURO car can be 200-250.00 per month JUST MAINTAINING (repairs) I own repair facility’s for 30 + years and that’s the number and it has gone up 20% in the last 24-36 months… that’s per car so please fix your guidance.
There’s no way the average American spends $850 a month on food. I think the people who took the poll thought that just meant groceries. Because you see how many fast food and restaurants are out there packed. People probably spend $850 on groceries monthly and about $500-$1000 a month on eating out.
Per person?! Not where I live. I live alone and don't need to worry about costs; I spend about half that ($400) monthly on groceries and eat out (on average) once a week, so figure $100-150. I do agree that eating out seems to be a jar form of entertainment and that restaurants always seem packed.
Exactly. A single woman vs. a married couple or people with kids - apples and oranges. Averaging everyone together is not helpful. Averaging in each category (married, unmarried, kids, by state or metropolitan area) is more useful.
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Now include all gas and car maintenance. And you don't work for free, so don't say the labor on repairs is zero just because you did it.. Then educate yourself on the definition of "average"....
@@thehomeless_trucker , This program is about how to be frugal with your budget. If I'm doing a home repair, I'm working for free. I don't budget for law care if I mow my own lawn.
No, household. However big or small your household is. If you are a single person, then yes, it's for one person. If you have more people, then it's for all. So, if you are a single person with a 59k income, or two people each earning about 29.5k each, either way, the household income is 59k.
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Looks like the average income is personal income instead of household.. the breakdown of expenses seems to be by household regardless of size. Google the title, and you will see the Yahoo link, and it also breaks down the size of household
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Rachel, where are the details on the income is this one income from one person or from everybody living in the home? How many bodies are living in the home One or five? Each mouth in the home cost money. My wife and I retired over age 65 living on social security. Our annual budget for health is $13,000 a year, this includes Medicare, supplemental and dental premiums, doctor's visits, prescription drugs. I'm not certain where you come up with your averages. Perhaps someone who is healthier and younger. Most of the 30 to 40-year-olds rarely cook at home and their food cost must be astronomical including the delivery charges that they have. Charts are needed with facts. I hope I get you to understand.
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10 dollar a month on reading? Sorry I get a lot of library books every month 4-5 those are free but buy about 2-3 a month that is more like 30-60 dollars a month this may explain the amount of ignorance I see in my everyday life
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She said a family of 5. Don't feel disgusted about yourself -- for any reason. Just decide if you want to be more frugal and a better path. With food, that's just cooking at home.
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Frankly, this was just confusing. Comparing one individual salary to household costs is unhelpful. Personally, I fit that average salary - but in a single-person household. As a single person, comparing my household expenses to others' isn't apples to apples - after all, a $2k mortgage from my single salary is a hugely different percentage of my income as compared to a 2-income home; likewise, comparing my household food budget to one with 5 or more people gives neither of us much helpful info. Too many variables to be of any use.
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Are these all average individual figures? Medium would be more meaningful than average. And are you talking about Americans as in adults? $832 per person per month on food sounds like a lot; for a family of four that would be ~$2500/month. Are you sure you're not mixing per person and per family figures?
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We’re a family of four and spend $1000 a month. That being said we eat dinner at my parents house 1-2x weekly and we rarely eat out. Our kids are young so I’m sure it will go up.
It would be insane if it were per person, in my opinion. Food brings satisfaction for such a limited amount of time :( My husband and I were spending $1,000/mo on groceries and take-out for half the year until I started budgeting. Now, we spend $700 or less. We try to make affordable meals though. My lunch today was leftovers from 3 days ago. Chicken (baked in a $1 marinade) with mashed potatoes and green beans. Totals $3.80 per meal.
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I make just above that average salary, just under 61k. My housing is my cheapest expense at 300 (soon to be 400) since I live with my folks and help them around the house. My transportation is my major expense at a payment of 1,176 and insurance just over 400. I decided I could splurge on a car, and my interest is low at 0.9%. But even with that, I'm still below the total amount spent for the average American and can put so much more aside for investments.
A lot of people live on the coast so that skews the average way up. Our $300k house in Vt. (a 5 minute walk from Lake Champlain) would be about $3M in LA. Location, location, location, as they say.
Agreed. I gasped when she said $2k+ for mortgage. I have never paid half that (couldn't have done so, in fact.) My house is 18 years old, 1600sf brick ranch 3 bed/2bath.
Just signed up for it. The commercials on RUclips have gotten ridiculously long and frequent. I watch or listen to videos as I'm falling asleep so constantly hitting the skip wasn't feasible.
*You work for 40yrs to have $1M in your retirement, meanwhile some people are putting just $10K into trading from just few months ago and now they are multimillionaires*
After I raised up to 325k trading with her I bought a new House and a car here in the states 🇺🇸🇺🇸 also paid for my son's surgery (Oscar). Glory to God.shalom.
Why/how does anyone subscribe or listen to Rachel. She’s a rich kid who never had to deal with anything she talks about. It completely goes against the brand her father built. He went bankrupt and built a fortune on his own, that’s why people listen to him. In the name meritocracy destroy her “career”, she is in no way qualified to talk about any of this. It’s such a slap in the face
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Thanks to Ramsey I focused hard in 2024 and paid off my CC and car loan! 35K in total paid off this year! I feel so much more free and lighter going into 2025! 🎉
I found paying of my car was a great relief!
We have 3 more payments :)
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I remember listening to your dad in 1996-1997 sitting in the back of a friend's cadillac, listening to his money advice. Today, I am debt free! Your dad is a good man!
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Here are some real numbers to look at total pay for the year $80,827.52 TAXES $21,733.24- 401K $4,311.04 NET TAKE HOME $54.783.24 State of Massachusetts.
That's right at the US 2023 median household income of $80,610. Nice breakdown.
You said that average income was $59k, which is $4917/mo before taxes yet average monthly expenses totaled $5952/mo. You see the math problem here, average expenses are more than $1000 a month than average gross income without paying taxes. People must be building up debt, this is unsustainable, they are in a Doom Loop
Good catch.
2:51 I know you don't want to say it, but it's the car payments that make it that high. It def isn't gas and repairs.
Family of four here. We had $3,500 a month in expenses a year ago. No housing or car payments here helps a lot. We actually probably spend less now since both kids are off to college and their college 529 fund supports them 9 months out of a year. We easily save more than 50% of our income.
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For a family of 6 making less than $59,000 we keep things buttoned up. Our mortgage including taxes and insurance is $835 a month. We spend $400-$500 a month on food including specialty items to account for food allergies in our home. Transportation including insurance, gas, and matinence fund is $3,900 a year for an average of $325 per month. Insurance (health and dental) is $760 a month and my husband gets his free from his job so it's just the kids and I. His retirement accounts are automatically taken out so I'm not sure how much it is because it's before we get the check. We spend around $50 a month for entertainment and use the library for books. $300 for diapers and wipes. $75 for misc. $0 for apparel and services. Sinking funds for birthdays, Christmas, pet medical and dental, travel, ect is $200. We pay $600 upfront for the year on phones and it's been great.
For a family of six you spend 400-500 a month on food?? Get tf outta here with that bull lol.
@vincentlopez9944 Just because you don't know how doesn't mean it's not possible. I make everything from scratch and only buy ingredients. No frozen meals and no premade food. Everything in our home is made by me including bread, snacks, and condiments. I buy milk, cheese, some of our fruits and vegetables (things I can't grow due to our climate), grains, heavy cream, almond milk, and specialty dairy free ingredients for one of my kids. I source meat, dairy, and most of our produce from local farms and ranches. I'm about to get a year's supply of red meat for free. My father in-law and brother in-law are going hunting and will bring back deer and wild hog. They typically come bag with one per each of our families. I get my eggs for free from my mom and before she raised chickens I traded homemade goods for eggs. Even my milk is local and I make my own butter from it. Most months I only need around $300, but we budget $500 on the off chance we need to buy milk, eggs, cream, ect from the grocery store.
What state do you live in?
@@vincentlopez9944 Just because you don't know how doesn't mean it's not possible. I make everything from scratch and only buy ingredients. No frozen meals, no premade food. Everything in our home is made by me including bread, snacks, and condiments. I buy milk, cheese, some of our fruits and vegetables (things I can't grow due to our climate), grains, heavy cream, almond milk, and specialty dairy free ingredients for one of my kids. I source meat, dairy, and most of our produce from local farms and ranches.
@@SIP612 Texas. My sister in-law does the same thing for $300 for her family of 4 in Colorado.
I recommend everyone to find the book titled The Gilded Nexus of Prosperity, it changed my life.
website is weird as F
As someone who makes about $65K a year in gross, these numbers don't make any sense. Is the $60k a year on average in net? Or is this just including household incomes of well over $100k? All I know is I'd be in the negative after the first 3 categories and my gross is about average, unless the average is going off of net. Or Taylor Swift and Warran Buffet are skewing these numbers.
Yes, the math isn't mathing! I make around the average salary and I'm NOT affording the average prices she's mentioning.
I don't follow the comment of gross vs net?
I believe she was taking average per capita income of 59k and then giving average household expenses. So most households have two earners which would place income over 100k on average.
There is no reason a single individual would be anywhere close to $800 in food per month, is there? We use $15 /day or $450.00 per person and have lots of money to return to our surplus from that level. $800 sounds about right to me for a household of two. Transportation was way up there as well, so I'm guessing two vehicles? Housing sounded about right, but not if your home is paid off.
@@Financialwiz4567Household means a total of income coming in, whether it's from one or two people. If you had two people making 59k each, then the average HOUSEHOLD income would be 118k.
@OHIO-EXPLORATION Well... it's average... so once you get that definition down, it's the average personal income, not household. The expenses, though, are per household. The average spending won't add up to the average income because that's not how that works. Yes, the income is gross average.
Also, how many people are these averages accounting for? Is it household? It is per person? I thought the average household income was closer to 75k but she says 59k, I'm confused.
Family of four, two are very young, we live in a tiny pocket with unusually low food costs. We don't eat out, and I cook almost everything from scratch - including mayo, but not including ketchup. We spend just over $1000 on food each month. That food number is artificially low. Unless maybe it's per person?
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@@MrsAngelala We're a family of 6 and budget $400-$500 per month. A lot of months we come in around $350. I make everything from scratch as well. There is nothing in my home I don't personally make.
Avg income: 59,000
Avg expenses: 71,424
Avg American makes 12,424 less than he or she needs.
Median household income was $80,610 in 2023.
$59k after taxes and retirement fund seems to make sense for take-home.
Our expenses as a family of 6 are $4k/month. No debt makes a huge difference.
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Buckle your seatbelt, the following is a true story. I am a retired California Highway Patrol Officer. Before the housing crisis, I was assigned as an undercover detective to a drug task force. I did not return to the CHP for five years, but I did return mid housing crisis. When I became a detective, cops drove Toyotas, Fords and Honda’s. I will never forget my first day back at the CHP. The parking lot was filled with BMW’s, Corvette’s and a few Porsche’s. It truly appeared like an asset forfeiture lot filled with vehicles used by drug dealers. Shortly thereafter, I discovered many CHP Officers were facing repossession of their $800k+ dollar homes. Because the CHP paid a minimum of 4 hours, at time and a half to attend traffic court, I discovered numerous cops were writing, what I refer to as bogus tickets. I will briefly describe a scheme. The speed limit was 65, traffic moves at 75+, but there is always one person that drives 70 in the middle lane, getting passed on both sides. Officers would write that individual a speeding ticket knowing the individual would take it to court. After all, the violator was speeding and it is a maximum speed limit. The driver always had the same story, they were driving 70, but being passed on both sides. However, because they exceeded 65, it was always, “guilty can you pay today.” Cop shows up to traffic court for 5 minutes of testimony and at that time, cop earned about $500. Okay one more. Truck drivers need a license to pay bills. In California the maximum speed a truck can drive is 55. Officers would sit on a downhill grade shooting Lidar allowing 90 MPH cars go by, but zing a trucker for 62 MPH. 98% of truckers subscribe to various traffic attorney programs. Truck drivers always plead not guilty hoping the cop is too busy to attend court. Cop shows up in court, collects $500, goes home. The cops did not violate the law, but they did use it to make money. Many today make, including OT, $250k+ per year. Where else can a person with a GED make that kind of money? No, I couldn’t rat anyone out, if I did, I would not receive cover.
Wow.
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HHI is 150K, expenses are about 3-3.5K in SoCal. Renting instead of buying, and saving/investing the rest. Rent including utilities is 2K.
No debt helps a lot.
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Half of American households have a pet. Would be interesting to know how much is spent per month on pet care.
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agreed. seems a strange category list. confused as to
why she promotes her budgeting system, but doesn't us it as a
template for this presentation.
$1000 is about right for a car. My car with depreciation, repairs (hoses, gaskets, water pumps, etc.), maintenance (tires, oil, brakes, filters, bulbs, belts, sparks, fluids, etc.), insurance is at $533 but I only do 10k/yr. Wife's car is about $1200 (she puts on way more miles so depreciation takes its toll).
My employer pays about $600 each for medical and dental (total/members).
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I always make miscellaneous amount the same as the budget, for example if your budget is $1000, then miscellaneous will be $1000, basically doubling your budget, will never go wrong with this one.
These numbers do explain why total credit card debt is so high nationally. The inflation in recent years has been wild.
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Family of 4 and our "grocery" expenses are $3500 per month. That includes everything you buy at the grocery store (food, house supplies, personal hygiene, etc)...
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@@ballan00 That's out outrageous. For a family of 6 we budget $400-$500 per month and usually come in at $350-$400. For house supplies, personal hygiene, things for out pets, ect we only spend $30-$150 per month. The $150 months are when everything runs out and needs to be replaced including all of my makeup items.
Great info! What no coffee line item od did I miss this one?
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Is giving to church, charity, etc any where in here, or did I miss something?
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You started by giving an annual average salary amount of $59,000. Then you switched to monthly amounts for expenses. This was done at the line level, but you didn't give a total monthly expense amount. I was hoping you'd give totals of income and expenses by annual amounts or monthly amounts so I'd get a better idea of where expense amounts stood compared to income amounts. Was this done by design?
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What broke my husband and I was the maintenance on our former house. We averaged $17-19k per year on house maintenance and repair etc...nobody prepared us for. We sold it for a tidy profit and paid cash for a condo. Our monthly HOA is almost a third of that annual cost and controlled.
We felt like we made the American Dream buying a home but it was the thing that sunk us in debt in short order. We course corrected but $2100 per month...on housing? Not our experience in a wildly affordable midwest locale
In the same boat.. it's crazy. I've put about 130K into a house I bought for 390K 4 years ago. Now average that out into per month and my monthly payment to own the house basically was $2,700 extra in maintenance over the last 4 years. My actual house payment is only $2,050 including tax and insurance.
Im calling shenanigans on "17-19k" a year in maintenance.
@@Charlesbjtown yes...two furnaces, two air conditioners, a two story composite wood deck replacements, 4 trees trimmed, 2 trees removed, fence replacement, landscaping refresh, lifting cracked driveway, custom skylight broke and was quoted at $35k to replace - we just roofed over it for a fraction of that...carpet in the finished basement needed replacing, chimney cleaning and maintenance for three for three fireplaces...one year of yard service when my husband was incapacitated by back to back joint replacements one year...
Shenanigans I don't wish on anyone. The house was built in 1989 by a former NFL player but revealed a lot of deferred maintenance and at 4800 sq ft it added up fast. The windows needed replacing still when we left...
@kristiseaton1557 So basically, you bought a hunk of junk house. How on earth did that thing pass inspection??
@@Charlesbjtown I don't know why you choose such rude words. It wasn't junk, it wasn't correctly maintained by the previous owner. The only alarm bell on inspection was the two story deck which I negotiated a price drop from the seller.
The lesson we learned is to know when to call it quits before we get too deep and pull back into something simpler with no mortgage.
I hope you have a kinder, gentler evening. Grace and peace to you.
I feel like $300 for entertainment is a little high, unless that includes activities outside of the house. When I see entertainment, my mind goes to subscriptions. I budget $80/mo for activities and $50 for subscriptions (this includes the yearly ones that are divided by 12 and budgeted for in advance). I am a homebody though, so I can see how my entertainment could be more if I wanted to go out a lot.
If watching TV is your only real form of entertainment...that is pretty sad.
We're BS7, and our entertainment budget is $100/month total for our three person household. That includes eating out, because as Dave says, restaurants are entertainment.
@@janelleg597 everyone has their own hobbies/interests! I personally don't have the attention span for TV, but it is a cheap entertainment option.
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Anyone else calculate the numbers in this video?
Average Salary: $59,000 ($4,916.16/month)
Monthly Expense in the Video
Housing: $2,120
Food: $832
Transportation: $1,098
Healthcare: $513
Personal Insurance / Pension: $796
Entertainment: $303
Reading: $10
Misc: $110
Apparel and Services: $170
-------------------------------------------------------------------------
Total: $5,952
THAT MEANS ON AVERAGE THE AVERAGE AMERICAN IS OVER SPENDING BY $1,035.84 AND THIS DIDN'T EVEN INCLUDE TAXES AS A CATEGORY. THIS IS NOT SUSTAINABLE FOR CONSUMERS, STATE, OR FEDERAL GOVERNMENT!!!
So based on these numbers, the average American has $1000 more in expenses per month than they make. $59,000 a year is only $4,900 a month. These items totaled $5,900 a month.
I wonder if median numbers are more helpful in this case
The average person does go into debt.
Is that $59,000 a year before or after taxes as well? If that doesn’t include the taxes then it’s even worse
$59k avg salary isn't what you would use for this. You would use median household income.
2023 Median Household Income in the US was $80,610.
With just my husband and I, and being totally debt free, we pay $640 (rounded up) a month for utilities. Water, gas, sewer, electric, trash pick up, wifi, Verizon, and car/home insurance. We use credit cards for other expenses and they are all paid off before we get the invoices. We are retired and travel very little. Our income places us in the lower middle class, so being debt free is the best. We own our vehicles, home, and property. I don't know how we would make it if we had to pay for vehicles, and rent/mortgage. We pay nothing for entertainment, outside of wifi. We do not eat out. We buy a full butchered steer every 18months to 2 years. Everything per family will be significantly different, so I don't see how the numbers on the data can even be average. To me, there is no average when it comes to finances.
We have much in common. It's just me. My utilities are $312 a month. That includes wifi & cell. Insurance on house and car is $308. This does not include my property taxes. I've looked into buying a side of beef but didn't think I'd ever finish it LOL.
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this video says the average American makes 60k (5k per month) and spends $5156 on Housing, Food, Transportation Medical Entertainment, Reading, Misc and clothing. Zero in taxes and zero savings and zero investments. This can not be true.
There was a line for "pension" so maybe that's investment?
How much on taxes per month???? Income, property, and sales tax,etc….hmmm
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We spend $2768/month on average as a married couple with no debt except our mortgage
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When personal insurance/pension got mentioned, I wonder if it also includes 401k & retirement contributions because I allocate a good amount towards those accounts for growth.
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I'm kind of curious to know why no dental insurance, and why you'd prefer to pay out of pocket for that. Cleanings are at least $125 each without insurance. I know it's not necessary to have, but seems a bit odd to not have it. Dental isn't really that high of a cost.
Depends upon the policy. Through my workplace, braces (which my kids needed) were excluded. There was a deductible per person and a limit each year. The cost of the policy was not worth it.
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After my debt of about 1500 left, my monthly expenses will be around 1300 to 1500 a month, give or take one expense or another.
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$300 for entertainment? No wonder why many average American households are also drowning in debt.
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You are a NEW friend ❤💝💖👍😬😬😬
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Are these numbers for North Dakota?
Why North Dakota?
Lol I did a calculation because I remember housing should be 30% or less of monthly income. I'm sitting at 34% and just realized national average is 45%... no wonder people are struggling!!
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They included money spent on reading but not gym and health (supplements, skincare, etc)??? Also would’ve been nice to provide the total value at the end.
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All of those numbers are absolutely insane. I mean just near me are several appt complexes that rent for 800-1.2k. And i live in an expensive neighborhood.
You're choosing to spend more than you need to. Your alls spending is out of control. Your 2k+ rent is more than all of my monthly expenses combined. That includes travel & fun. Your food bill would feed me for nearly 4 months.
I like nice things like everyone else. But i don't like paying ridiculous amounts when you have options. Sure..im slower at getting things than you probably are. Im more patient and wait for deals. People mistake wants for needs. I want a new lens for my camera. I don't need a new lens. I can afford to wait. And my inner child that wants it now can just be patient. I waited 3 years for that lens and hot a great deal on it. Break down what you need vs what you want. Its ok to want it. But all wants are luxury.
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Below avg and happy about it 😁
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Average maintenance cost for a car is 120-150.00 per month + truck and or EURO car can be 200-250.00 per month JUST MAINTAINING (repairs) I own repair facility’s for 30 + years and that’s the number and it has gone up 20% in the last 24-36 months… that’s per car so please fix your guidance.
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There’s no way the average American spends $850 a month on food. I think the people who took the poll thought that just meant groceries. Because you see how many fast food and restaurants are out there packed. People probably spend $850 on groceries monthly and about $500-$1000 a month on eating out.
Per person?! Not where I live. I live alone and don't need to worry about costs; I spend about half that ($400) monthly on groceries and eat out (on average) once a week, so figure $100-150. I do agree that eating out seems to be a jar form of entertainment and that restaurants always seem packed.
@ talking about a family of four as example
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So - is this the average American, or the average American family? And what size family is this talking about?
Exactly. A single woman vs. a married couple or people with kids - apples and oranges. Averaging everyone together is not helpful.
Averaging in each category (married, unmarried, kids, by state or metropolitan area) is more useful.
She said average household. Not person. Households vary in size of course
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Car insurance for my 2017 car is 1200/year, so no.
That's amazing! Who are you with?
Now include all gas and car maintenance. And you don't work for free, so don't say the labor on repairs is zero just because you did it..
Then educate yourself on the definition of "average"....
$300 every 6 mos. Liability only
@@kistelkistel That's almost exactly what I pay for my car too.
@@thehomeless_trucker , This program is about how to be frugal with your budget. If I'm doing a home repair, I'm working for free. I don't budget for law care if I mow my own lawn.
Is this per person?
No, household. However big or small your household is. If you are a single person, then yes, it's for one person. If you have more people, then it's for all. So, if you are a single person with a 59k income, or two people each earning about 29.5k each, either way, the household income is 59k.
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I would add a category for pets
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Are these numbers for individuals? So a family of two adults would have average income of 120k?
Looks like the average income is personal income instead of household.. the breakdown of expenses seems to be by household regardless of size.
Google the title, and you will see the Yahoo link, and it also breaks down the size of household
@ Thanks!
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@ spam
Rachel, where are the details on the income is this one income from one person or from everybody living in the home? How many bodies are living in the home One or five? Each mouth in the home cost money. My wife and I retired over age 65 living on social security. Our annual budget for health is $13,000 a year, this includes Medicare, supplemental and dental premiums, doctor's visits, prescription drugs. I'm not certain where you come up with your averages. Perhaps someone who is healthier and younger. Most of the 30 to 40-year-olds rarely cook at home and their food cost must be astronomical including the delivery charges that they have. Charts are needed with facts. I hope I get you to understand.
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The numbers add up to $71,424.00 . Rest in CC debt?
The average spent is not based on the 59,000.
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When she said reading, I thought she said breeding..
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Ramsey solutions doesn't provide dental insurance!!!!
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So the average income is 60k (before taxes) and the average expenses are 71,184. Awesome
Glad you resonated with it🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼 🗻
10 dollar a month on reading? Sorry I get a lot of library books every month 4-5 those are free but buy about 2-3 a month that is more like 30-60 dollars a month this may explain the amount of ignorance I see in my everyday life
Project Gutenberg is good too.
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So is that food expense for a family/household or an individual ? Just want to know how disgusted in myself I should be feeling
She said a family of 5. Don't feel disgusted about yourself -- for any reason. Just decide if you want to be more frugal and a better path. With food, that's just cooking at home.
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Girl I can’t lol your videos feel off because you’re clearly just reading off a prompter and not looking into the camera.
Yep. Me too. Put the notes near the lens
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I thought this video was about something completely different when I was scrolling. I thought I was doing to have to verify
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Frankly, this was just confusing. Comparing one individual salary to household costs is unhelpful. Personally, I fit that average salary - but in a single-person household. As a single person, comparing my household expenses to others' isn't apples to apples - after all, a $2k mortgage from my single salary is a hugely different percentage of my income as compared to a 2-income home; likewise, comparing my household food budget to one with 5 or more people gives neither of us much helpful info. Too many variables to be of any use.
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I can't be the only one shocked by how low the average food spending is! A family of five on $832 a month? What are they eating, ramen and rice? 🤯
Also spaghetti and frozen vegetables from Walmart since those are found at low prices to feed a family.
🫘🍚
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Think certainly isn’t California!!
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Wow, I didn't know I was so below average.
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The math ain't mathing....average net annual income is significantly less than the average monthly or annual expenses. 😢
That’s why credit card debt is so high.
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My health care is 1200 per month we are all f-ed
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Are these all average individual figures? Medium would be more meaningful than average. And are you talking about Americans as in adults? $832 per person per month on food sounds like a lot; for a family of four that would be ~$2500/month. Are you sure you're not mixing per person and per family figures?
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Is the grocery amount per person a month? Or the average household size of 2.5? Our family of six is over twice that amount!
We are a family of 5. We spend that much on groceries each month here in Columbus, OH. That does not include eating out though.
that food must be for each person. Were a fmaily of 7 and were at about $800-$1,000 per week for food.
We’re a family of four and spend $1000 a month. That being said we eat dinner at my parents house 1-2x weekly and we rarely eat out. Our kids are young so I’m sure it will go up.
It would be insane if it were per person, in my opinion. Food brings satisfaction for such a limited amount of time :( My husband and I were spending $1,000/mo on groceries and take-out for half the year until I started budgeting. Now, we spend $700 or less. We try to make affordable meals though. My lunch today was leftovers from 3 days ago. Chicken (baked in a $1 marinade) with mashed potatoes and green beans. Totals $3.80 per meal.
Thats insane @@riceball777
😊
I
They don't compare. Not on the list.
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The list did not include how much the average American spends on credit.
It doesn't reveal average debt in the US, or by state.
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What is the source for these averages? Boureu of Labor 2024?
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I make just above that average salary, just under 61k. My housing is my cheapest expense at 300 (soon to be 400) since I live with my folks and help them around the house. My transportation is my major expense at a payment of 1,176 and insurance just over 400. I decided I could splurge on a car, and my interest is low at 0.9%. But even with that, I'm still below the total amount spent for the average American and can put so much more aside for investments.
.9%? Huh?
U spend 2k a month on car and u seem proud of that. Wow.
I must live in a really cheap part of the country. I can't imagine paying that much for mortgage/rent. That'd buy a mansion by me😂😂
Good for you, Skippy.
I must live in a cheep area as well.
A lot of people live on the coast so that skews the average way up. Our $300k house in Vt. (a 5 minute walk from Lake Champlain) would be about $3M in LA. Location, location, location, as they say.
Agreed. I gasped when she said $2k+ for mortgage. I have never paid half that (couldn't have done so, in fact.) My house is 18 years old, 1600sf brick ranch 3 bed/2bath.
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I’m justifying RUclips Premium this year because I feel like my time has enough value to not have to watch commercials.
The content in some ads are crazy.
Same 😂
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Just signed up for it. The commercials on RUclips have gotten ridiculously long and frequent. I watch or listen to videos as I'm falling asleep so constantly hitting the skip wasn't feasible.
Thanks for your time! As hyped as i am about getting more good content out! Don’t forget to like the video🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼
*You work for 40yrs to have $1M in your retirement, meanwhile some people are putting just $10K into trading from just few months ago and now they are multimillionaires*
wow this awesome 👏 I'm 47 and have been looking for ways to be successful, please how??
It's Esther A Berg doing, she's changed my life.
I do know Ms Esther A Berg ., I also have even become successful....
After I raised up to 325k trading with her I bought a new House and a car here in the states 🇺🇸🇺🇸 also paid for my son's surgery (Oscar). Glory to God.shalom.
Absolutely! I've heard stories of people who started with little to no knowledge but made it out victoriously thanks to Ms. Esther A Berg.
Who cares about average 😂
Why/how does anyone subscribe or listen to Rachel. She’s a rich kid who never had to deal with anything she talks about. It completely goes against the brand her father built. He went bankrupt and built a fortune on his own, that’s why people listen to him. In the name meritocracy destroy her “career”, she is in no way qualified to talk about any of this. It’s such a slap in the face
Glad you resonated with it🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼 🗻
What do you think?....
Thanks for your time! As hyped as i am about getting more good content out! Don’t forget to like the video🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼
Well hey you guys
All the time
@@whobeyou5342 every time 🤣
Good will surely finish what he stated in your life, for everything works together for good, if you love the podcast, to know more about this podcast🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼
horrible video
Thanks for your time! As hyped as i am about getting more good content out! Don’t forget to like the video🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼 :-