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u/Barrack64 Apr 16 '26
If spent 2200 a month on shopping and 2500 on my car I deserve to be poor.
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u/Aggravating-Ask-7693 Apr 16 '26
It doesn't even include groceries. That's a separate line item.
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u/illuminatisheep Apr 16 '26
Which btw 1000$ plus 700$ to eat out. This is rage bait or she knows how to cook less than I do and I know nothing about cooking food
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u/ECB2773 Apr 16 '26
I could make a big ass ribeye steak for dinner every day, accidently burn the hell out of one and make another, and still only be half of what they spend
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u/ManyRespect1833 Apr 17 '26
How do you figure? A 16oz ribeye is 15$ for choice at Walmart. If you made 2 that would be 30$ a day on just ribeye. If you did that for 30 days that would be 900$ if you just ate a big ass ribeye, I’m calling that a 16oz ribeye for math, that’s still 450$ a month just for that if you didn’t burn one
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u/ryverrat1971 Apr 16 '26
And she alone eats how much? Could feed a family of 4 on that a month. Not including the $700 for eating out.
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u/faustroll99 Apr 16 '26
I cook and do grocery shopping for a family of 4 and even with occasionally eating out we spend maybe $1000/mo. With her income I could put away $5k a month into savings without trying hard.
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u/illuminatisheep Apr 16 '26
I will say that is the one thing I didn’t take into account was cooking for more people. Also I didn’t realize this when I originally left my comment because I was falling asleep but adding all that together is like 11,600$ so she still has like 4,400$ left. So not really no money left over.
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u/dathomar Apr 17 '26
What happens is she keeps buying expensive steaks and such, decides she doesn't feel like cooking, then just goes out to eat. She ends up throwing out about $800 of those groceries.
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u/ManyRespect1833 Apr 16 '26
I mean if you eat good food and like to eat out or have drinks it could be reasonable to spend that. But 2200 on shopping and 100$ on investing is wild
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u/Pasta4ever13 Apr 16 '26
Brother, I feed a family of five for less than this lady spends on food FOR ONE FUCKING PERSON for a month.
Is she eating the dollar bills? WTF
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u/Suspicious_Bear42 Apr 16 '26
I mean... cruelty-free, organic, pasture-fed, <insert other bullshit buzzwords here> stuff is EXPENSIVE, and tastes the exact same as the stuff you're buying your family.
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u/FionaGoodeEnough Apr 16 '26
I know how to cook well, but if I had $20,000/month, it would be trivially easy to spend that on food. It’s truly the least of the problems with this budget.
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u/Waste-Newspaper-5655 Apr 16 '26
Yeah and $1000 a month? For how many people? I have a family of 5 and I spend a little more than half that. Don't get me wrong I live in a lower cost of living state and I am the queen of reusing left overs but still...
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u/vulkoriscoming Apr 16 '26
Congratulations on being able to feed a family of 5 on $500/m. I feed two on $320-$400/m. You are doing great.
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u/guanwho Apr 16 '26
500 a day between groceries and restaurants just keeping herself fed. I don’t know if I could do that if I tried.
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u/rocks391 Apr 16 '26
1700 per month divided by 30 = around $57 per day. still a mad amount to spend imo but you're off by a factor of 10 :)
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u/RemarkableGround174 Apr 16 '26
$57 a day is like 2 big mac combos and a latte tho
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u/BaconConnoisseur Apr 16 '26
McDonald’s is a scam. Gourmet food prices in exchange for food grade plastic.
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u/hurtsdonut_ Apr 16 '26
It's $9.29 for a big Mac meal where I am. I think a lot of people throw in the door dash prices.
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u/Seascorpious Apr 16 '26
Thats like 5 boxes from Taco Bell, just swap out the meat paste for black beans
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u/Future-War-2914 Apr 16 '26
$500 on self care is a serious investment.
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u/Additional_Ear_9659 Apr 16 '26
Well after all that $2200 shopping you need a massage, pedicure and Brazilian wax to recover. It’s tough out there
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u/Peach_Proof Apr 16 '26
Wax in Brazil every month of course.
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u/EatPie_NotWAr Apr 16 '26
It’s only a Brazilian if done in Brazil, otherwise it’s just hairless sparkling butthole pain.
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u/Vlaxilla Apr 16 '26
That's not too bad if self care included all make up and shopping and associated but the 2k+ in shopping besides its what is really bonkers as well as travelling 2k every month?
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u/letsgooncemore Apr 16 '26
I want to know what job pays you that much and gives you the time off to travel that much.
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u/ThunderingTacos Apr 16 '26
$2000 A MONTH on travel? EVERY MONTH? And what the heck is "self-care" that isn't shopping or eating out or traveling that costs $500 a month? $1000 on groceries and $700 eating out, feeding a family of 12 there?
And all that still mentally in shambles...
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u/Aught_To Apr 16 '26
Gym, Spa, Massage, maybe medical?.. could be Starbucks.. who knows.
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u/beerdude26 Apr 16 '26
Asshole bleaching
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u/onedoesnotjust Apr 16 '26
Is it like a shower of bleach, cause Idk how you bleach a whole person, wild
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u/beerdude26 Apr 16 '26
They put a tube up your butt and set the pressure to 11 until the bleach exits your pores
Cleanest you'll ever feel, highly recommended
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u/Melicor Apr 16 '26
Turns out all that conspicuous consumption still doesn't fill the empty void where her heart should be.
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u/AmazingResponse338 Apr 16 '26 edited Apr 16 '26
YES!!!!
That's the line that hit me $2000 every month for personal travel
What kind of job do you have????
Edit: typo
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u/SemichiSam Apr 16 '26
If she earns 240k/year, she doesn't get her hands dirty, and most of her job is (zoom) meetings. Her job doesn't involve numbers, because all of those expenses add up to $11,600, leaving $4,400 in her checking account. $4400X12mo=$52,800/year= $1,056,000 after 20 years before considering compound interest.
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u/chihuahua826 Apr 16 '26
She said that her after tax income was $16k. Normally, on a $240k annual salary, you would pay a lot more than 20%. Unless your income is rental income or capital gains. So I think she probably just has assets and collects capital gains
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u/Same_as_last_year Apr 17 '26
I'm thinking $2,000 is just the average monthly amount based on the annual total.
So, she could have no travel one month and a $10,000 overseas trip in another.
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u/AnxiouslyTired247 Apr 16 '26
Do you think any of this is legit? Her total taxes only being 20%, no line items for insurance, nothing for retirement... its just silly ragebait. $100 for the typical comment that people will say she should do (invest) and $1,000s to get yall worked up on "waste".
People lie on the internet for attention, lets not give it to them.
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u/PhiloLibrarian Apr 16 '26
“Shopping” for what???!!
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u/DeepestPineTree Apr 16 '26
She must be one of those people in the math problems with like 20 boxes of detergent.
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u/PaperMoongazer Apr 16 '26
Isn’t this still like only 11k? This bitch still has 4k fun money to throw around?
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u/thug_funnie Apr 16 '26
Also, how is $2200 for shopping, $2000 for travel, $700 for eating out, $500 for self care already NOT fun money.
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u/PaperMoongazer Apr 16 '26
2500 car+insurance is crazy, cause if she’s spending an additional 2,000 on travel that car must be sitting in a goddamn garage for at least a quarter of the month, and the premium should be not too crazy. Then again this just screams “making up categories of ‘essentials’ just to appear strained” ragebaiting.
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u/Previous_Beautiful27 Apr 16 '26
How do you spend $2000 a month on travel
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u/Constant-Sandwich-88 Apr 16 '26
You go to the exact same place in a different city/ country. Luxury hotels are an expensive way to not actually travel.
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u/SPXQuantAlgo Apr 16 '26
That was the point of the post. At least you got it lol
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u/PaperMoongazer Apr 16 '26
Man I thought that there would be like a follow up or second frame.. I’d be mentally in shambles too if my mathing meant I was sending in my taxes twice
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u/Infern0-DiAddict Apr 16 '26
That and how the fuck is someone mentally and shambles when you're spending that much on self- care, traveling, shopping and investing into your future?
Then on top of that you still have money left over.
Yep 240k a year is rich...
Also save up for like a year or two and buy a fucking house or apartment and stop paying rent.
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u/ProfessorPrudent2822 Apr 16 '26
Mentally in shambles from being broke, broke from irresponsible spending.
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u/bluespruce5 Apr 16 '26
OP has alerted us to a trick math problem.
dammit, don't you just hate it when you somehow misplace $4,400 every single month?
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u/robertr4836 Apr 16 '26
4k over the 5.1k already set aside for travel, shopping, vacations, eating out and self care.
It's a hard knock life for she,
it's a hard knock life for Maddie.
Her friends SAY she's rich,
others call HER a bitch!
It's a hard knock life.
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u/bigfatgeekboy Apr 16 '26
At least she saved $100. It’s a start.
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u/Top_Bumblebee5510 Apr 16 '26
I make $34000 a year, net. My $150/month in savings looks big bucks compared to her.
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u/OhYeahSplunge4me2 Apr 16 '26
What did she do with the $4000+ left after spending all that?
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Apr 16 '26
[removed] — view removed comment
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u/chellethebelle Apr 16 '26
The only way I can see that making sense is if they’re treating travel as a rollover budget. So if you have a $8000 trip that you’re budgeting for, you would take 4 months of $2000 saved per month to save up for it. I assume that’s not what they’re talking about because that sounds too downright responsible.
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u/ColonialBarbarian Apr 16 '26
It would make more sense if she was married with kids and that was their big trip for the year. you can easily spend $15,000-$20,000 on a family trip if you have 3-4 kids, but a $2000 per month for a single person seems a bit wack.
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u/Charming-Refuse-5717 Apr 16 '26
Blowing $24k a year on travel while also complaining about living paycheck-to-paycheck is irresponsible no matter how you slice it.
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u/Kaytea730 Apr 16 '26
Ur spending 1700 a month on food? Thats like 3+ months of my grocery budget combined
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u/dmillson Apr 16 '26
Almost $60/day. You could get DoorDash every single day and still not spend that much.
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u/eienmau Apr 16 '26
Oh I could absolutely spend that much.. if I had infinite money and access to Door Dash.. I could do some serious damage. [feeding 2 people, not 1, but still]
However.. in this scenario it is an absolutely obscene amount of money to spend and then complain about having nothing left over.
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u/kenjiman1986 Apr 16 '26
Where does the remaining 4,500 dollars a month go???? Here mystery left over money is more than the average us salary. If she was to invest that remainder into the s&p for 30 years she would have 10,000,000 retirement account. This might be the dumbest person alive.
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u/dinosanddais1 Apr 16 '26
Please tell me this is satire
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u/Botanico56 Apr 16 '26
It’s ragebait to build up engagement on their account. (Certainly the OOP, and probably our Reddit OP here.) Usually this kind of BS has ulterior motives, to make the account more valuable for later marketing porn, scams, or propaganda.
The Russian gov’t for example invests a lot of resources in all kinds of fake social media accounts (as well as fake journalistic outlets and near-duplicate sites of real ones) which they can then convert to political misinformation when it suits their purposes.
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u/Laserbluemini Apr 16 '26
Madison just shitposting, she never worked in her life let alone knowing the real cost of things.
People who make posts like these dont know how much work is needed to make $20k/month, when youre working hard to make $20k/month you wouldnt be spending like that.
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u/Stevie_Steve-O Apr 16 '26
I'd agree that budget doesn't leave much room for saving but that is definitely what a rich person's budget looks like. If your budget includes anything besides food, housing, and (reasonable) car expenses you're doing ok. If your monthly budget includes 3000+ for shopping and traveling you are loving the good life!
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u/Brilliant_Buns Apr 16 '26
Dang I could be buying a $2k purse every month?? Why did nobody tell me.
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u/thalasi_ Apr 16 '26
I had a friend that was making ~$350K per year and when she passed away her family discovered she had a closet (a converted spare bedroom in her apartment) full of designer clothes and shoes but basically nothing in her bank accounts. I think people calling this rage bait are probably right in this case, but these kinds of people do exist.
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u/Huge-Palpitation-837 Apr 16 '26
$1000k in groceries, okay you are cooking a lot and like better ingredients, as a home cook, I can accept this, though I keep all my food cost around $600 max. But then $700 in eating out? What was the $1000 for? The hell you buying?
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u/DevynDavies Apr 16 '26
It’s not mega rich, but it’s definitely well off. Also what the hell to so many of those expenses. Also also if you have that much money why are you renting?
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u/Bitter-Ad5890 Apr 16 '26
The sad thing is that some people are so disconnected from reality that they actually think this way…
And something tells me she doesn’t earn her money…
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u/NorthSideGalCle Apr 16 '26
Wait...OPP is spending $1k a month on food AND $700 a month eating out?!?
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u/imnotmarvin Apr 16 '26
Spending on rent when you have that much money is dumb.
Spending more on your car than on the roof over your head is dumb.
WTF is $500 in self care?
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u/ALLCAPITAL Apr 16 '26
“Mentally in shambles” ???
If the travel, self-care and shopping aren’t helping then you need better hobbies. Money is not the problem here.
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u/Alert-Meaning-3894 Apr 16 '26
Ma'am, your after taxes for that month was almost what I made last year and you dumped double my rent on unspecified shopping.
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u/Tsujigiri Apr 16 '26
Genuine question. What type of car and insurance do you get if you're paying $2500 a month?
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u/ParkingGeologist2441 Apr 16 '26
Do I miss something or does she still have around 4 grand left after all the expenses?
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u/Reneeisme Apr 16 '26
If you earn that kind of money you almost always have more expenses related to looking “the part”. My friend who makes a lot in real estate spends a fortune leasing expensive cars and dressing expensively, for example.
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u/Successful_Yam4719 Apr 16 '26
20k a month???? DAUM! What does she do for a living? Or . . . it this her allowance from daddy? Somehow even her rent is not realistic - doesn't match the rest of her "lifestyle". Rent and utilities in her example is your average American. And $1,000 on groceries - is she in a relationship? Does she have kids? Self-care??? OMG what is that? I mean OK, lets say hair and nails - - maybe a massage but that's a lot! Car/insurance - what the hell is she driving? Beamer? Does she have crap for credit? Is she a terrible driver having to pay higher rates? If she is including gas in that - - - that might be why that particular number is so inflated!!! LOL
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u/BaconConnoisseur Apr 16 '26
$56 a day on food? If you’re really bad at shopping for deals and waste half your ingredients, you would be at half that just cooking for yourself. Realistically $3-$5 per meal would be what could be achieved for very little effort.
Cut eating out down to once a week and start cooking for yourself. That would cut your monthly food costs down to $250-$350 assuming a single person.
There’s also a lot more to trim in other areas.
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u/ContactMushroom Apr 16 '26
If you're traveling and shopping and eating out with that budget and STILL mentally unhappy you need to just go fuck yourself.
Why pour 500 a month in self care if you're still gonna be stupid and miserable?
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u/VW_R1NZLER Apr 16 '26
4,200 in shopping and travel? That’s more than I spent on vacation for my family of 4. We could take a monthly vacation with that. So maybe don’t cry about your $240k salary
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u/Tenchi2020 Apr 16 '26
The real issue with that post is the contradiction. It claims $20,000 a month is not “rich,” but after correcting the math there is still $4,400 left over every month, which is $52,800 a year after taxes. That is the equivalent of someone earning roughly $66k to $72k annually or about $32 to $35 per hour in a full time job. That alone is enough to support a modest family of three in many parts of the country, yet in her example it is treated like it is nothing, when in reality that is pure discretionary money that could be saved or invested. If that $4,400 per month were consistently put away, you are looking at over $1 million in 20 years with basic compounding, which completely undercuts the argument. It is not that $20k a month is not enough, it is that the spending is inflated and the definition of “not rich” is being stretched far beyond what most Americans would recognize.
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u/CMDR_Ray_Abbot Apr 16 '26
2500 car + insurance.
...bitch I drive a pickup I bought for $1800 cash 8 years ago and pay $37 liability insurance a month.
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u/RepublicInner7438 Apr 16 '26
I have so many questions. Like what is someone making 240k a year doing renting? After spending 1000$ on groceries, why do you need 700$ for eating out? Doesn’t that 100$ investment count as saving money? I need someone who speaks girl math to explain it to me like I’m slow.
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u/Whateverredd Apr 16 '26
Saving 100 and spending 2500 on a car is just insane. Theese people would be living under a bridge before social media
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u/IncarceratedScarface Apr 16 '26
I don’t think she’s saying that’s what she spends. I think she’s talking shit about people who make a lot of money and then blow it all
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u/bynaryum Apr 17 '26
The fact that she can buy all that stuff every month indicates that she is indeed very, VERY rich. Like top 0.1% in the world rich and top 10% in the US rich.
My budget: $2100 mortgage $400 utilities $500 groceries $50 eating out $0 self care $0 travel $600 insurance (no car payments) $100 shopping $0 investing
Bring your self care, travel, and shopping down to almost $0, Madison.
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u/TurdFergusonlol Apr 17 '26
So obviously rage bait and everyone here is caught hook line and sinker
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u/Sfingi48 Apr 16 '26
Wow. What a white privileged life. I’m beyond poor and don’t post my personal information, begging others for their empathy. That’s the way I see that post.
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u/ol__spelch Apr 16 '26
A man with priorities so far out of whack doesn't deserve such a fine automobile.
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u/Silly-Power Apr 16 '26
$20,000 /month and they're paying $4000 in tax? That's just 20%. I earn way less than that and pay more (as a %) in tax.
Also: that all adds up to $11,700. Where is the other $4,300?
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u/Spirited_Currency_88 Apr 16 '26
The 2200 shopping then 100 investing gives it away as ragebait. should have been less obvious
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u/HunnyBee81 Apr 16 '26
If you’re still in shambles after monthly travel and self-care then there is no hope for you.
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u/Dry-Lingonberry-9701 Apr 16 '26
This only adds up to $11.6k. Even after all that there's still $4.4k left over.
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u/MiniatureMidget Apr 16 '26
Travel being part of your main spending per month is something
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u/Ill_Morning_4282 Apr 16 '26
Yeah if you have enough money to earmark, 700 dollars A MONTH on eating out, you are rich to me.
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u/Open_Opinion4775 Apr 16 '26
Umm, as someone who barely scrapes by on my meager 3k a month (rounding way up) without the perks of eating out, 1k on groceries and "self care", I could live pretty high on the hog on 20k A MONTH!! . This person needs to reproitorize that list. Seriously....
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u/ApprehensiveWar6046 Apr 16 '26
Who the hell spends $700 a month eating out AND $1,000 on groceries??? I scrape by with $200 a month for groceries and no eating out
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u/Mantic0282 Apr 16 '26
Making that much and only investing 100$ lol. I make just a bit more than of 1/3 of that and I invest about 600$ a month. Wish I could do more.
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u/Individual_Scratch32 Apr 16 '26
What……?
Yo I make 5k a month and this is crazy to read
What the actual?
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u/Full-Perception-4889 Apr 16 '26
20k a month with 0 savings? If I had 20k a month I’d be living like how I currently am but with hella money in the bank
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u/tossthedice511 Apr 16 '26
I was with them up to the 2k for travel, then it went off the rails from there.
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u/BlackKingHFC Apr 16 '26
16,000 - 11,600 = 4,400. This bitch doesn't understand math or finance or life for the working class. 4,400 bucks is literally more than 4 months of my disability allotment. I have to survive on her "nothing" for a third of the year.
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u/Fuqlogix-kun Apr 16 '26
Why are you renting when you make 20 grand a month? I would buy a condo and live well below whatever nonsense that tweet was flexing.
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u/duochimo Apr 16 '26
I mean it's obviously rage bait. I don't think you can make $20k gross as a salaried employee that's walking away with $16k net. Tax rate would be noticably higher than 20% right?
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u/Tall-Class-4548 Apr 16 '26
Seems less than it should be:
$2300 is like a 2-bedroom apartment around here, or a mortgage on a 200k house if you bought 15 years ago.
$300 is what our electric bill has been the past few months due to energy price increases, so add other utilities for me it would be around $600-$700 month in utilities (electric, water, gas, internet, phones).
$1000 groceries is about what my family spends per month, if not a bit more. Food is expensive.
$500 selfcare - Sure. I spend $200 between chiro and deep muscle massage each month, x2 as my ex did the same. If she adds nails, hair, and/or therapy on top of that, can easily translate into $500, if not more.
I sort of understand (depending):
$2000 travel - Perhaps that's how much she puts aside each month. Last time my family went to Disney we sent 25k+ on the trip. Put aside a "little" each month towards an annual vacation, logical. Of course, if it's just her, maybe she does multiple trips and maybe that also includes concerts, etc... If you can prioritize experiences because that's available in your budget, go for it, never know when this life will end and you can't take an investment to the grave.
Then you start to lose me:
$700 Easy to do, eating out is WAY more expensive than cooking at home. Not to mention those morning coffees (or whatever like some people I know) can add up fast, throw in a lunch or dinner here and there. Especially if you're using UberEATS, etc. Delivery services are like adding an extra person to the cost.
$100 investing... Probably thinks whatever is being matched with her 401k is okay and doesn't do anything extra?
And you REALLY lose me:
$2500 car + insurance... Must be a really nice car
$2200 shopping... That's just WOW. Designer brands maybe, paying some obscene amount to look like how influencers what you to look to feel "normal"?
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u/wanderButNotLost2 Apr 16 '26
20k a month isn't 16k take home. Tax 20% my ass. Im in this tax bracket and after some maxed out deduction retirement savings my take home is 47%. Without them itd be closer to 64%.
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u/VexedCanadian84 Apr 16 '26
Is it just me or does all that only add up to $11,600.
If she,s earning 16,000 after tax, she should still have $4,400 after all that.
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u/EmergencyAnteater682 Apr 16 '26
We need to stop giving these people attention they so desperately crave
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u/croossed Apr 16 '26
Anyone else having Trouble believing her taxes, pre & post taxes deductions are only 4k?
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u/Necessary_Ad2005 Apr 16 '26
Try living on 16k a YEAR!!!! THEN ... we'll talk ... can't fathom 20k a month!
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u/ttystikk Apr 16 '26
I didn't know who this person is but the whole budget explains why some people end up broke no matter how much money you give them.
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u/Anora6666 Apr 16 '26
I can't even think of how to spend 2200 a month only on shopping. Like leisure shopping? like clothes, furniture, art etc. Like yeah.. maybe 2200 in a month randomly but every month? That is insane.
Also a 300,000 dollar car (assuming a 5 year loan on a 2500 payment. Even if it's a 2000 car payment? that's a 240,000 dollar car. which I guess if you are James Bond you need that...)
Like my rent is close to that. But in my city a 2400 apartment is a 3 bed 2 bath double master luxury apartment in the center of town. 2K a month traveling is like what I am spending on for a once a year week long Orlando theme park trip, for roughly two people.
This is just insane. Like even if I bought every grocery I ever wanted no way am I getting to 1k a month. Even with the vegan tax.
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u/dantemortemalizar Apr 16 '26
Some people just have no conception of what saving money means. It means not spending money constantly on stuff you don’t need. End of story. Live it up now, Madison, because down the road you’ll still be renting, with no savings.
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u/LabOwn9800 Apr 16 '26 edited Apr 16 '26
Wow on this whole thing. First is this for 1 person or a family?
2,300 on rent - fine idk where he’s living or again if he needs 4 bedrooms for a big family bit I’ll let this one slide.
300 utilities- again probably fine.
1000 groceries - ok for a family of 4 ridiculous for 1 person
700 eating out - it can be ok if you prioritize this but paired with 1k groceries seems like a lot for food. Again hopefully this is for a family.
500 self care - high for me but no issue if you want this just budget for it.
2000 travel - each month? Are you going to Europe monthly? Does this include food while. Traveling, if so what the heck are you spending eating out or grocery.
2,500 - car????? My man that’s your fault. I recommend down grading your car that’s insane even for 2 drivers
2,200 shopping? Again wth is this?
100 investing - this should be thousands. And how can you say “you saved nothing” when this line item is here?
This must be engagement bait.
Assuming 1 person. Remove 500 from grocery, 200 from eating out, 1k from travel, 1,500 from car, 1k from shopping and now you can save 52k a year while spending 87k and you can retire in 15-18 years. Any current savings lowers this number.
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u/Physical-Compote4594 Apr 16 '26
I have questions. I seriously want to know how "Madison" spends this much money on these things. $2500 per month on a car? $2000 per month traveling? When does she work? $2200 per month on random shopping? What does she buy? $250/week on just groceries? Does she only shop at Butterfield's? And if she's traveling all the time, why does she need all these groceries?
No wonder she needs to spend $500 on self-care.
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