Does dating require a $ Tier explanation?


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D_Lion is online now D_Lion Post #11  January 27,2010, 5:34pm
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cardguy wrote :
You've got a pretty skewed definition of what average is. Here's what % of US households fall in each of your brackets (source: Household income in the United States - Wikipedia, the free encyclopedia):

1st (Super Low): $50k and below -- 54.87%

2nd (Low): $50k - $75k -- 18.3%

3rd (Medium): $75k - $150k -- 11.13%

4th (High): $150k - $300k -- ~15% (cutoff number I found was actually $250k)

5th (a): $300k and above -- 1.5%

So to be of "medium" wealth by your standards, you have to personally have an income that's higher than that of 73% of households in the US.

If you want to divide the country in to quintiles, here's what the ranges should be:

Very Low: $18,500 or below
Low: $18,500-$34,750
Medium: $34,750-$55,300
High: $55,300-$88,000
Very High: $88,000 or above
(Elite, top 5%): $157,000 or above

This is a good post!

Though, "income" in a lot of these measures is misleading if one does not understand the definition of income used in the reporting.

Also, where I live, $100 k annual base salary does not get you into a decent neighborhood - let alone a good one, plus providing for a family. To replace my father's standard of (middle-class) living would take about $1 million, pre-tax.

Further, if a person is educated and motivated to work hard, who really cares about drop-outs and addicts in the "average" data?
 
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jussmile is offline jussmile Post #12  January 27,2010, 5:36pm
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cardguy wrote :
You've got a pretty skewed definition of what average is.
I agree completely and should have prefaced my thread with the fact that I think people's definitions of what's low to high is definitely skewed by where they live, their own income and that of the people around them. Personally, I know my own definitions are skewed towards standard for me, and someone else even pointed out that $750 was just the start to HIGH which was skewed IMO.

I don't think tiers need income levels... but you would have to read the BE-ATCH thread to fully understand why we're even talking about tiers...

Oh, and what am I doing here :-)... because I like hanging out with you great folks!! Was that an invitation to leave.
 
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cardguy is offline cardguy Post #13  January 27,2010, 5:45pm
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D_Lion wrote :
Further, if a person is educated and motivated to work hard, who really cares about drop-outs and addicts in the "average" data?
The median person with a Bachelor's degree is still below "medium" at $69,000. Getting a Master's degree just barely slides median income into the medium level at $78,500.

I'm not going to address your personal standard of living argument because I don't feel like another 10 pages of discussing your financial neuroses, and I couldn't indisputably rebut the argument without an exact location for you, which understandably I imagine you're not eager to provide to a random internet stranger.
Last edited by cardguy; January 27,2010 at 5:50pm.
 
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jcw001 is offline jcw001 Post #14  January 27,2010, 5:47pm
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D_Lion wrote :
Also, where I live, $100 k annual base salary does not get you into a decent neighborhood - let alone a good one, plus providing for a family. To replace my father's standard of (middle-class) living would take about $1 million, pre-tax.

Are you sure it is that high? I live just over a bridge from you as I understand it in quite an affluent area (upper-middle class) and my income is nowhere near 1M pre-tax.

BTW... Can I store my boat at your place?
 
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PY_2 is offline PY_2 Post #15  January 27,2010, 5:58pm

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Cardguy's list is way more reasonable.

I know there's an article about median per-capita US income somewhere being about $38K-42K...so basically everybody in the US (based on jussmile's data) is super low.
 
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D_Lion is online now D_Lion Post #16  January 27,2010, 5:58pm
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cardguy wrote :
The median person with a Bachelor's degree is still below "medium" at $69,000. Getting a Master's degree just barely slides median income into the medium level at $78,500.

Another limitation of "median" data sets, is that they usually have in them people who work less than full time hours, are self-employed, are retired, receive investment income, etc.

Thus, they understate what you should be aspiring to.
 
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cardguy is offline cardguy Post #17  January 27,2010, 6:00pm
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D_Lion wrote :
Thus, they understate what you should be aspiring to.
What I should aspire to has nothing to do with the median income, whether of all or only full-time workers.
 
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D_Lion is online now D_Lion Post #18  January 27,2010, 6:01pm
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jcw001 wrote :
Are you sure it is that high? I live just over a bridge from you as I understand it in quite an affluent area (upper-middle class) and my income is nowhere near 1M pre-tax.

Neither is mine. That's my point; standard of living has plunged.

$1 million is the base salary I would need to have the same ratio of income to house value my father had (25 years ago.)
 
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neardc is offline neardc Post #19  January 27,2010, 6:01pm
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jcw001 wrote :
Are you sure it is that high? I live just over a bridge from you as I understand it in quite an affluent area (upper-middle class) and my income is nowhere near 1M pre-tax.
It has already been established in previous threads that the frog has a tendency to multiply reality by a factor of up to 10. The comparable for his father's salary is actually closer to $150k - $175k (which he will dispute, of course, but that's what you end up with if you adjust for inflation and increased housing costs... ).
 
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PY_2 is offline PY_2 Post #20  January 27,2010, 6:03pm

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jussmile wrote :
T If a person has net worth (in the bank or liquid assets) over a certain amount, that should be automatic placement in the 5th tier. I would keep it clean although I know there are a number of other variables out there.
How much would this be?? (I'm serious)

Net worth Tier:

1. Tier 1: < $100,000?
2. Tier 2: $101,000-250,000?
3. Tier 3: $250,000-500,000?

We can even use president Obama's defintion of 'rich'...means anybody earning over $125,000 (for individual?)
 
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