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#11 |
AMA Supersport
Join Date: Nov 2008
Location: Richmond, Tx
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yeah it is, i just saw somewhere that only 43% of the pop. has some kind of retirement plan, and if its only $2600/yr, sounds like most familys spend as much on vac. as retirement every yr.
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#12 |
White Trash Hero
Join Date: Mar 2008
Location: NW Arkansas
Moto: Buell 1125R Porco Rosso Edition
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I am right there on top of the bottom, bottom of the middle and can honestly say medical costs are what kills me. could finance a nice new Mustang or Camaro on what my med ins costs or what my coverage wont pay for. Medical, vision, and dental take 20 pct of my income in a family of 3.
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#13 |
AMA Supersport
Join Date: Nov 2008
Location: Redneck Riviera, FL
Moto: 2003 VFR800f6
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Im middle class but most of that list doesnt apply to me.
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#14 |
AMA Supersport
Join Date: Feb 2009
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I think those numbers are pretty skewed as well. Those I know who really save for retirement make the most out of it by maxing out their 401k contribution. Every person who does that makes up for a lot of those whose "retirement plan" is social security and using the "keep the change" program at their bank.
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#15 |
Elitist
Join Date: Nov 2008
Location: SF Bay Area
Moto: Gix 750
Posts: 11,351
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And how do we know that everyone in this survey included their automatic deductions? A lot of people probably don't even know how much goes into their 401k every month.
Last edited by Homeslice; 03-26-2010 at 12:29 PM.. |
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#16 |
Chaotic Neutral
Join Date: Feb 2008
Location: Cherry Hill NJ
Moto: GV1200 Madura, Hawk gt
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me either. everything gets paid for in cash 'cept the house and my only vehicle from this side of the millenium is the blade. Everything else i fix and keep driving till the body rusts off
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#17 | |
Elitist
Join Date: Nov 2008
Location: SF Bay Area
Moto: Gix 750
Posts: 11,351
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![]() Quote:
As for this: "About 18 percent of disposable income, on average, goes toward mortgage payments, auto loans, credit cards and other forms of household debt. "...........I am calling ![]() |
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#18 |
White Trash Hero
Join Date: Mar 2008
Location: NW Arkansas
Moto: Buell 1125R Porco Rosso Edition
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I agree homeslice. As a consumer and mtg loan officer I see debt to income ratios of 36 to 45 pct more often than not.
Another thing I wish the article would have covered is what pct of the population fits into their middle class metrics and how that has trended. That should show you something...
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#19 |
AMA Supersport
Join Date: Feb 2009
Posts: 4,756
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I don't know what the survey includes or doesn't. I also don't know if it counts company matching as savings. I'm just working with the numbers as they stated them. Those numbers indicate the average middle class person is going to be in pretty shitty shape when it comes to retirement.
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#20 |
Vrooom
Join Date: Nov 2008
Moto: 06 ZX6R
Posts: 4,427
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