What is your occupation? Marketing manager How old are you? 36 What city and state do you live in? San Francisco, California What is your annual salary, if you have one? I live in a dual-income household. I make about $225,000 (base salary is $175,000, plus bonuses and stock). My husband’s salary is slightly higher than mine. We have two children, a three-and-a-half-year-old and a seven-month-old.
How often are you paid? (e.g., weekly)Biweekly How much money do you have in savings? Over $500,000, including our 401k and savings. This is extremely important to me, so we put away a lot every month! What are your approximate fixed monthly expenses beyond food? (i.e., rent, subscriptions, bills) Rent: $4,700 (single-family home, 3 bed, 2 bath, 1,400 square feet) Childcare for two children: $4,200 PG&E: $150 Car: $780 Kids’ swim and ballet lessons: $300 Student loans: $1,100 Pilates: $250 Subscriptions: Around $775. We have so many (29 at our current count) and it’s really out of control. It includes most streaming services (Netflix, Amazon Prime, Peacock, Paramount Plus, Apple TV+, ESPN+, HBO Max, Hulu, Disney+, YouTube TV, Fearless), Peloton, Tesla, San Francisco Zoo and San Jose Children’s Discovery Museum memberships, food delivery subscriptions, media subscriptions, wine club subscriptions, and more. The cheapest subscription is the New York Times for $4 and the priciest is an Alpha Omega wine club subscription for $125. This was a good exercise to have my husband actually break everything down…Someone save me from myself. Total: $12,225 (what a shit show) and I am sure I’m missing things.
What are the grocery staples you always buy, if any? We have to buy lots of milk, usually store brand, always organic. Goldfish crackers, eggs, cheese, fruit snacks, and lots of fruit in general, which is very expensive. I've come to realize salmon is my older kid’s favorite food. Any fish in general is his favorite, which is also very expensive. And he also loves caviar…yes…my three-and-a-half-year-old. How often in a week do you dine out versus cook at home? Honestly, it depends on the week. There are some weeks when we do four to five meals out. There are other weeks when we make most of our food and we only go out once a week. I absolutely love to cook and come up with recipes and try new things for myself and for my kids, so cooking is really important to me. How often in a week did you dine out while growing up? Literally never. I grew up very poor. We were a family of immigrants, and I moved to the States from India when I was eight, so I don’t know how my parents made it work sometimes! I occasionally spend more $ on one meal than they probably made in a month. I’m embarrassed by this sometimes, but this is why they uprooted their lives and brought us here, right? So their daughter could have very unhealthy food/spending habits? (Too much to unpack here, lol.) We also had a diet that was 90% vegetarian.
How often in a week did your parents or guardians cook at home? Nearly every single day. My mom used to work 12-hour shifts in a factory, come home, and make bhaji, chapati, rice, and dal every day for us. Going out to eat meant things like Taco Bell or ordering pizza. We hardly ever went to a sit-down restaurant. For me food is such an important connection to my mom, family, culture, and children. Meanwhile, my son loves rice and dal but also has been to a few Michelin places…it’s all about balance? The expenses Week’s total: $821.10 Restaurants and cafés total: $336.78 Groceries total: $484.32 Most-expensive meal or purchase:Dinner at Yakitori Kokko, $173 Least-expensive meal or purchase:Lemon from Whole Foods, 5 for $5 Number of restaurant and café meals: 7 Number of grocery trips: 5
How often in a week did your parents or guardians cook at home? Nearly every single day. My mom used to work 12-hour shifts in a factory, come home, and make bhaji, chapati, rice, and dal every day for us. Going out to eat meant things like Taco Bell or ordering pizza. We hardly ever went to a sit-down restaurant. For me food is such an important connection to my mom, family, culture, and children. Meanwhile, my son loves rice and dal but also has been to a few Michelin places…it’s all about balance? The expenses Week’s total: $821.10 Restaurants and cafés total: $336.78 Groceries total: $484.32 Most-expensive meal or purchase:Dinner at Yakitori Kokko, $173 Least-expensive meal or purchase:Lemon from Whole Foods, 5 for $5 Number of restaurant and café meals: 7 Number of grocery trips: 5
What are the grocery staples you always buy, if any? We have to buy lots of milk, usually store brand, always organic. Goldfish crackers, eggs, cheese, fruit snacks, and lots of fruit in general, which is very expensive. I've come to realize salmon is my older kid’s favorite food. Any fish in general is his favorite, which is also very expensive. And he also loves caviar…yes…my three-and-a-half-year-old. How often in a week do you dine out versus cook at home? Honestly, it depends on the week. There are some weeks when we do four to five meals out. There are other weeks when we make most of our food and we only go out once a week. I absolutely love to cook and come up with recipes and try new things for myself and for my kids, so cooking is really important to me. How often in a week did you dine out while growing up? Literally never. I grew up very poor. We were a family of immigrants, and I moved to the States from India when I was eight, so I don’t know how my parents made it work sometimes! I occasionally spend more $ on one meal than they probably made in a month. I’m embarrassed by this sometimes, but this is why they uprooted their lives and brought us here, right? So their daughter could have very unhealthy food/spending habits? (Too much to unpack here, lol.) We also had a diet that was 90% vegetarian. 180maidenlane 发表于 2023-03-27 19:59
What is your occupation? Marketing manager How old are you? 36 What city and state do you live in? San Francisco, California What is your annual salary, if you have one? I live in a dual-income household. I make about $225,000 (base salary is $175,000, plus bonuses and stock). My husband’s salary is slightly higher than mine. We have two children, a three-and-a-half-year-old and a seven-month-old.
Rent: $4,700 (single-family home, 3 bed, 2 bath, 1,400 square feet) Childcare for two children: $4,200 PG&E: $150 Car: $780 Kids’ swim and ballet lessons: $300 Student loans: $1,100 Pilates: $250 Subscriptions: Around $775. We have so many (29 at our current count) and it’s really out of control. It includes most streaming services (Netflix, Amazon Prime, Peacock, Paramount Plus, Apple TV+, ESPN+, HBO Max, Hulu, Disney+, YouTube TV, Fearless), Peloton, Tesla, San Francisco Zoo and San Jose Children’s Discovery Museum memberships, food delivery subscriptions, media subscriptions, wine club subscriptions, and more. The cheapest subscription is the New York Times for $4 and the priciest is an Alpha Omega wine club subscription for $125. This was a good exercise to have my husband actually break everything down…Someone save me from myself. Total: $12,225 (what a shit show) and I am sure I’m missing things.
The expenses Week’s total: $821.10 Restaurants and cafés total: $336.78 Groceries total: $484.32 Most-expensive meal or purchase:Dinner at Yakitori Kokko, $173 Least-expensive meal or purchase:Lemon from Whole Foods, 5 for $5 Number of restaurant and café meals: 7 Number of grocery trips: 5
对，她weekly吃饭$800，差不多$3500一个月。
双职工，高薪的忙必然更多的外吃，需要更多的享受。
他说每月存很多钱
我家薪水比他们还高，还在湾区租房呢。湾区估值400多万3000多尺的好学区房子房租才6000，如果买的话，光地税就要4000/月。就算在利率最低的2点几时买，就算首付200万贷款200万，一个月也要还8000贷款，再加上地税，一万多就出去了。我宁可把省下的大几千块钱拿来吃喝玩乐旅游请保姆带娃。资产积累很重要，但是生活得舒适也很重要啊。
我上個月pgE 700多
50万存款不少了 不知道多少是现金 多少是401k
按他们现在的收入支出比 攒钱不容易
这个还可以吧，我家跟他家面积差不多，冬天三个月每个月300，其他季节每个月100，平均下来就是每个月150。
吃饭一星期8百多，真不少。
这玩意现在涨价了之后在越南超市也还是一块钱八个
大概莱美喝酒多
吃的都是一般的食物啊， 现在的物价真是太高了。
这点真的是不能忍。。。在美国不就是要住大房子吗，大院子，游泳池吗。。。赚高薪4口人租1400sqft。。。。图啥
说这个话的一定不是住在湾区的。下次过来几年体验一样非主流美国生活
这个高赞无法理解。。。。。在好区买卖房子租房子我算是比较贴近市场的，有很多一手数据。大概好区200万上下的房子租金是6k左右。400万的房子租多少钱没有数据不清楚。。如果层主真的6k月租租到市价400万的房子，我只能说。。。。是个好deal。lol
有图有真相的说。4k月租在palo alto只能租一个720sqft的apartment。 哪里估值400万了？ 藏在公马后面真是说什么都方便呀
哪怕在遥远的东湾幸福村哦，4000块也就只能租个100多万的房子。 有图有真相。 湾区这么多地主，不是傻子呀。你都不在湾区吧，就信口开河随便说这样好吗
你不能拿个例说话啊。南湾好区Los Altos比这还大的房子也租4000多: https://www.zillow.com/homedetails/1457-Ravenswood-Dr-Los-Altos-CA-94024/19534574_zpid/
而且400万的房子拿出来放租的不多呀。 大家喜欢买的是好区交通方便区小房子，既容易租，租客质量高，租售比还很不错。 烂区便宜房子租售比不错，但是分分钟收不回来租让你大出血。2m以上的房子就不适合搞出租房了，买来remodel再卖收益会更好。 那个层主感觉不太了解市场，想当然的唱生活艰辛，“虽然我赚的多但是还是活的苦”的意思。其实在湾区真有50万以上年收入，税后也将近30万到手，生活已经不太会真正为钱发愁了，算相对平稳顺利的。
怎么可能，随便看看Los Altos: https://www.zillow.com/homedetails/1457-Ravenswood-Dr-Los-Altos-CA-94024/19534574_zpid/ 你觉得这个月租4000多的房子卖不到350万吗？
还有Mountain View： https://www.zillow.com/homedetails/1371-San-Domar-Dr-Mountain-View-CA-94043/19511820_zpid/ 接近3000尺的房子，月租6000多。
这个房子又旧又破还贴着高速哦，4900。估价只有280万。而且已经挂了67天了还没租出去哦。：）
就你贴的这第二个房子，租金6600，估值只有1.9m呀，哪里4m的房子了？
你这个就是我说的装修很旧的那种，和85高速只隔了两排房子，噪音很大，一般人都不愿意租的，所以在市场上挂了两月都租不出去。los altos正常的3000尺+，装修10年以内的肯定不是这价钱
第一个房子真的买不到350万，这种location+condition有点难
南湾好学区两百多万的房子房租不到5千，三百多万装修一般的六千可以拿下
所以那个280万（如果抢房的话不止要300万吧？）租4000多，对应到400万租6000多，有什么问题呢？ 反正你爱信不信吧，我知道不止一个人，以6000多刀租着南湾好区状况不错3000尺以上的房子。不然你就当我房东是做慈善的好了。
不然我再给你举个例子： https://www.zillow.com/homedetails/20897-Verde-Vista-Ln-Saratoga-CA-95070/19741906_zpid/
租金6000多，Redfin估价430万。学区9 9 10。
那个公马层主能租到6000价值4m的房子真的是捡到deal。 当然真假只有自己心里知道了呀 非要戳也没意思。争论从来没输赢。你开心就好。 如果那个层主能fool到更多的人，市场上多一些不清楚的人，对清楚的人也是容易赚钱的好事。：） 市场在模糊的时候才有钱赚，但是模糊不了多久的，稳定下来得样子都会被无形的手调节到相对平衡。我是笨人，我不相信自己有那种幸运做弄潮儿，乖乖走大家都走的路，乖乖买房子就好啦。
这个los altos 2600尺的，稍微不那么旧的，在租8000
看看这个： https://www.zillow.com/homedetails/20897-Verde-Vista-Ln-Saratoga-CA-95070/19741906_zpid/
租金6000多，Redfin估价430万。学区9 9 10。这个租金还是从挂7000多没人租，一路降下来的，我看还有再降的空间。
认真不抬杠的说如果你真的租到了这个房子（我相信的，市场总有各种特例），那就好好利用它。继续租是对的。 但是很多人没这个幸运的。 另外要小心不要讨论的太high，小心房东看到要求涨租。
涨租有cap吧？而且我贴中列的那个房子说明，市场上这样的房子并不是个例，随便一搜就能找到啊。 而且就好像你前面说的，280万的房子，挂了67天还没租出去，说明什么，只能说明280万很可能要4000要多了，可能得降价到3000多才能租出去。
在Saratoga tri-level估计是绕道走的原因……
不过租房反正不关心这些这个的确是个好价钱
不管怎么算，在湾区租售比都是租便宜很多
就算6k租不到，10k左右绝对能租到400万的房子，按现在的利率算房贷都要20k左右吧，还不算房产税
湾区买房本来就是追求增值，租出去想cash flow是正的太难了，除非你在这一波暴涨之前买的房。当然你也可以说还会暴涨，不过你真的相信400万的房五年后会涨到800万吗？（15年可能确实是200万）