r/Conservative Millennial Conservative 4d ago

Musk Critics Including Laura Loomer Claim Censorship on X, Loss of X Badges Flaired Users Only

https://www.cf.org/news/musk-critics-including-laura-loomer-claim-censorship-on-x-loss-of-x-badges/
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u/Running_Gamer Conservative 4d ago

“Salary calculator 🤓☝️” if 70k is poverty level, can you claim social welfare benefits on a 70k salary?

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u/DownrightCaterpillar Conservative 4d ago

It's not poverty level. But it's also not "high level." If I take Dave Ramsey rule of 25% (he is also a proponent of budgets, he's just like you!) of take-home pay, then this is wildly over budget.

You should spend no more than 25% of your monthly take-home pay on rent. Spending 30% or more will mean not having enough room left over in your budget to put toward other important financial goals like saving for a down payment on a home.

Even if we take the low rate of 1.9k per month (not including utilities) on a 1-bedroom apartment, it's still 36% of your monthly take-home pay. Way over budget. Also, just an aside, it's funny to me that you think some industrious guy fresh off a H1-B visa somehow has multiple friends with whom he can split bills in Fremont, CA or any of the other cities listed.

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u/Running_Gamer Conservative 4d ago

Using hyper-safe guidelines from a financial guru who is specifically catered towards those with dogshit spending habits is, by definition, not financial advice for the majority of Americans. His advice is not catered towards the majority. The people who need him get into massive credit card debt and are financially illiterate in the worst possible sense.

36% of your salary on rent is completely reasonable for someone just starting out. Salaries rise fast in tech, and someone will quickly be over six figures within a few years. Nobody in tech has ten years of experience and makes under six figures unless they actively choose to or are just incompetent. Calculating costs of living for the poorest someone will ever be in their career and acting like it’s their forever life is missing the point.

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u/DownrightCaterpillar Conservative 4d ago edited 4d ago

Using hyper-safe guidelines from a financial guru who is specifically catered towards those with dogshit spending habits is, by definition, not financial advice for the majority of Americans. His advice is not catered towards the majority. The people who need him get into massive credit card debt and are financially illiterate in the worst possible sense. 

This is an ad hominem and has nothing to do with whether what he's saying is true, normal, or right.

Salaries rise fast in tech, and someone will quickly be over six figures within a few years.

The tech industry is going through major layoffs, how can you predict the future???

Nobody in tech has ten years of experience and makes under six figures unless they actively choose to or are just incompetent.

So you admit all of the positions listed in that Twitter post are early-career positions and not "high level positions?" I'll quote what you said earlier:

You’re also acting like the HB1 immigrants somehow don’t already speak English. How the hell are you working at an American company at a high level and not know English? It doesn’t exist.