this post was submitted on 14 Nov 2025
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Six figure income? I don't get that, maybe they have kids or something. They're lucky, I'd dream to have a job that even paid 60k.
Here's the thing about making more money, you tend to spend more money. If someone making $120k lived like they were only making $60k they wouldn't be in "survival mode".
This is more or less it.
When I made 45k and rented a room I had a lot of expendable income. I could put 6% in a 401k, pay insurance, and still go out and party on weekends.
Making 125 with a mortgage and 2 kids feels kinda rough some months. I wouldn't call it a struggle. I have a lot of comforts and security. I just don't have any expendable income.
I think what's different for me now is, in the past, I could get by crashing on someone's couch if things got bad. I'm low maintenance. Today, I HAVE to have that mortgage payment. If I don't cover that Pre-K payment I've failed my family. It's not a struggle per se, but it's a different kind of stress.
Making $120k but living like they made $60k would mean they are living in survival mode.
Don’t forget that while middle class people have some tiny wiggle room before financial collapse, they are still very vulnerable compared to the millionaire, billionaire, and now trillionaire classes.
I spent years living with off making about 400€ monthly as a student with a part time job (most of it going to food and housing with family), and now that I have 800€ monthly I find myself immediately overextending with plans. New furniture, console, TV, actual PC instead of a budget laptop. If I didn't live in a big city I'd consider saving up for a car.
It's easy to forget almost anything besides a roof, homemade food and healthcare is a luxury. (Or, sadly, even the last one, if you want good healthcare, or live in America)