A READER writes:

I used the living wage calculator for my city. With two adults, one working, three children, I barely make the living wage with my job ~$84k (wage calculator says $83,416). This requires me to work offshore and be away from my family half the year. I also have baby number four on the way next week so even though I make good money I still will not be making a living wage.

The one big category I noticed that was absent from the typical expenses, which are pretty spot on, was savings. Try and save for retirement or an emergency fund and your money goes by even quicker. This is also with having no car notes and comparatively low credit card debt. We still find expenses tight sometimes especially with hospital bills for the new baby coming up. I barely manage to stay afloat I’m not sure how everyone else is doing it when I know they make considerably less than me even with both parents working.

Through high taxes, usury, offshoring, greedflation, our society really is the worst.

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