(Ähnlich einem Beitrag von u/throwaway7230345), Zum ersten Mal die Ausgaben meines Jahres erfassen (2025) mit SankeyMATIC. Werkzeug: https://sankeymatic.com/build/
Vollständiges Sankey-Diagramm hier: https://imgur.com/a/40ZVUw9
Lebe bei meiner Familie, wo meine Miete niedrig ist, ich aber zum Haushalt, zu Lebensmitteln und zum Heimwerken beitrage (deshalb sind sie höher).
Von aizerpendu1
12 Kommentare
I feel your pain. $80k 2025 total gross income for 2025, $16,000 paid in 2024 taxes, not counting what was withheld for 2025..
Feds can kiss my ***, but I’m not going down on charges of tax evasion.
Your taxes aren’t too high you are simply overpaying. Your federal withholding should be ~$22K, not $37K. That’s $15K extra for no reason that you won’t be able to touch for 1+ year and won’t get any interest on.
I’m confused how you only had $1500 in medical?
Also, $7,000 in housing and another $7000 in house repairs? Your housing is $600/month but you’re putting $600/month into repairing it?
Feels like you’re paying way too much in tax.
If that retirement is pretax, then your taxable is 130k, which should be like 22k in fed taxes? Not put much thought in to it, so maybe I missed something.
Edit:
Best case, kind of feels like OP just made up numbers to complain about taxes and has no clue what the real world is actually.
Worst case, someone out there really earns $150k and has no clue how the real world actually works.
Your savings alone are more than many people make gross. Thank you for paying your share and still living the dream.
Wait wait wait… living with family so your rent is low, but you do “contribute” to groceries and home improvement so they’re “higher”?! Just wait until you have to ACTUALLY pay whatever the going rate is for rent in your area and not just contribute but actually provide. Sounds like you need to take a trip over to r/poverty finance for a little perspective
As far as taxes… pay your share just like all the rest of us
This can’t be the US, right? I’m pretty sure I’ve already spent more on healthcare than your *annual* budget for „healthcare“ as well as „health and wellness“ and it’s January 11th.
Even if I only tracked the premiums I pay for my family to have insurance, I meet those numbers rather quickly.
Edit: Noticing another wild discrepancy. You mentioned that your rent is low but holy shit 7,200/year on a $147K salary? You’re going to be able to retire by the time you’re 35, if you treat that excess cash correctly.
I live in Moderate/HCOL, I pay 7200 in about 2 months.
Outside of the fact you accrued way too much, your relatively low HSA contribution tells me right away you’re leaving cash on the table from taxes right there. Even if you only move the ~$2600 that you out in stocks into an HSA instead, that’s over $600 in federal tax savings right there. Add just over another $1k from the savings to that to contribute to the max and you’re quickly getting to $1k federal savings, and likely some more from state tax too.
I think you over contributed to your Roth IRA, it looks like you are over the $150k income limit for a full contributon. [https://www.fidelity.com/retirement-ira/contribution-limits-deadlines](https://www.fidelity.com/retirement-ira/contribution-limits-deadlines)
„Taxes are too high!“
Says person who doesn’t understand how their withholdings work.
* You should adjust your withholdings to not give the gov an interest free long
* $7,200 on housing at that income level is wild
* $5K on food is also very, very frugal at your level
* $1K of entertainment doesn’t sound like living (especially if just coffee is noted)
I’m too poor to even read these charts.