| Huntington, NY |
Pinecrest, FL |
Plano, TX |
Naperville, Il |
Glendale, CA |
Bethesda, MD |
Alexandria, VA |
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| Earned Income | 250,000 | 250,000 | 250,000 | 250,000 | 250,000 | 250,000 | 250,000 | |
| Unearned Income | 3,000 | 3,000 | 3,000 | 3,000 | 3,000 | 3,000 | 3,000 | |
| TAXES | ||||||||
| Federal income | 29,344 | 31,768 | 34,317 | 33,071 | 30,233 | 30,694 | 30,197 | |
| Alternative Minimum Tax | 2,710 | - | - | 377 | 1,384 | - | - | |
| Social Security/ Medicare |
15,156 | 15,400 | 15,473 | 15,325 | 15,374 | 15,398 | 15,324 | |
| State Income | 10,557 | - | - | 5,215 | 11,670 | 7,628 | 8,881 | |
| Property | 15,222 | 10,946 | 11,140 | 10,508 | 8,957 | 6,714 | 6,264 | |
| Sales | 2,258 | 1,833 | 2,160 | 1,898 | 2,160 | 1,571 | 1,309 | |
| Gas | 2,679 | 1,324 | 1,656 | 1,596 | 1,555 | 1,704 | 1,545 | |
| Phone Service | 350 | 350 | 350 | 350 | 350 | 350 | 350 | |
| Health Care | ||||||||
| Medical Insurance Premiums (30% of total cost) |
4,213 | 4,213 | 4,213 | 4,213 | 4,213 | 4,213 | 4,213 | |
| Out of Pocket Medical* | 5,000 | 5,000 | 5,000 | 5,000 | 5,000 | 5,000 | 5,000 | |
| Dental costs | 4,069 | 4,069 | 4,069 | 4,069 | 4,069 | 4,069 | 4,069 | |
| Child Care | ||||||||
| - Day care and Babysitting * | 15,000 | 15,000 | 15,000 | 15,000 | 15,000 | 15,000 | 15,000 | |
| - After School Activities/Camp | 4,000 | 4,000 | 4,000 | 4,000 | 4,000 | 4,000 | 4,000 | |
| Housing | ||||||||
| Mortgage interest and principal payments | 36,055 | 36,055 | 24,036 | 24,683 | 36,055 | 36,055 | 36,055 | |
| Property Insurance | 676 | 1,016 | 957 | 647 | 676 | 639 | 553 | |
| Maintenance | 5,000 | 5,000 | 5,000 | 5,000 | 5,000 | 5,000 | 5,000 | |
| Cleaning | 5,000 | 5,000 | 5,000 | 5,000 | 5,000 | 5,000 | 5,000 | |
| Two cars* | ||||||||
| Insurance | 2,926 | 2,906 | 2,926 | 3,358 | 3,548 | 3,100 | 2,466 | |
| Car Loan Payments | 7,596 | 7,536 | 7,596 | 7,536 | 7,764 | 7,404 | 7,332 | |
| Gas | 5,721 | 6,804 | 5,844 | 6,804 | 7,085 | 6,167 | 6,022 | |
| Maintenance | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 | |
| Parking Fees | 5,328 | 1,320 | 780 | 3,468 | 2,220 | 3,180 | 3,180 | |
| Utilities | ||||||||
| Gas and electricity | 5,280 | 5,280 | 5,280 | 5,280 | 5,280 | 5,280 | 5,280 | |
| Phone, cable, internet | 2,400 | 2,400 | 2,400 | 2,400 | 2,400 | 2,400 | 2,400 | |
| Water | 612 | 612 | 612 | 612 | 612 | 612 | 612 | |
| Food and staples | ||||||||
| Food and household supplies | 13,659 | 13,659 | 13,659 | 13,659 | 13,659 | 13,659 | 13,659 | |
| Takeout meals @ $25/ week |
1,250 | 1,250 | 1,250 | 1,250 | 1,250 | 1,250 | 1,250 | |
| Work Lunches @ $10 each |
5,000 | 5,000 | 5,000 | 5,000 | 5,000 | 5,000 | 5,000 | |
| Clothes | ||||||||
| Clothes | 2,955 | 2,955 | 2,955 | 2,955 | 2,955 | 2,955 | 2,955 | |
| Dry Cleaning | 1,200 | 1,200 | 1,200 | 1,200 | 1,200 | 1,200 | 1,200 | |
| Student Loans | 6,000 | 6,000 | 6,000 | 6,000 | 6,000 | 6,000 | 6,000 | |
| Leisure | ||||||||
| Travel (1 family trip) | 4,000 | 4,000 | 4,000 | 4,000 | 4,000 | 4,000 | 4,000 | |
| Eating out | 2,400 | 2,400 | 2,400 | 2,400 | 2,400 | 2,400 | 2,400 | |
| Gifts, holidays, family celebrations | 3,000 | 3,000 | 3,000 | 3,000 | 3,000 | 3,000 | 3,000 | |
| Entertainment (movies, sports events, etc.) |
2,693 | 2,693 | 2,693 | 2,693 | 2,693 | 2,693 | 2,693 | |
| Entertaining at home | 1,500 | 1,500 | 1,500 | 1,500 | 1,500 | 1,500 | 1,500 | |
| Dog | 1,571 | 1,571 | 1,571 | 1,571 | 1,571 | 1,571 | 1,571 | |
| Out-of-pocket expenses | 3,000 | 3,000 | 3,000 | 3,000 | 3,000 | 3,000 | 3,000 | |
| Savings | - | - | - | - | - | - | - | |
| College fund | 8,000 | 8,000 | 8,000 | 8,000 | 8,000 | 8,000 | 8,000 | |
| Retirement funds | 33,000 | 33,000 | 33,000 | 33,000 | 33,000 | 33,000 | 33,000 | |
| Total Expenses | 277,380 | 258,060 | 248,037 | 255,638 | 269,833 | 261,406 | 260,280 | |
| BOTTOM LINE (with earned income only) |
(27,380) | (8,060) | 1,963 | (5,638) | (19,833) | (11,406) | (10,280) | |
| BOTTOM LINE (with investment income too) |
(24,380) | (5,060) | 4,963 | (2,638) | (16,833) | (8,406) | (7,280) | |
| *These line items were partially paid out of flex accounts | ||||||||
| Footnotes: BDO Seidman, U.S. Department of Agriculture, Bureau of Labor Statistics, the Council for Community and Economic Research, CTIA-The Wireless Association, MyWireless.org, Consumer Reports, Leakbird.com, American Pet Products Association, Kaiser Family Foundation | ||||||||