Haven't gotten too far in this thread, but must respond already. I feel like I'm living in some kind of parallel world to many of the posters here.
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The obscuring fact is that people making 200K have more in common with the people making $40K per year, than either of them have with people making $1mm or more per year.
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Couldn't disagree more. I've never had a 200K income (right now our family's is half that), and I am infinitely more stable than a family living on 40K in my area. After basic stability, it's all about your toys.
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175 K in NJ does not equate to a nice lifestyle unless the folks have bought you the car and paid for college...Been there done that and got the patch to prove it.
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Again, couldn't disagree more. I live in NJ, and I'm doin' just fine on just over half that. Sheesh, what kinda lifestyle do you all think you need?????