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'It's not what it used to be.' Woman who makes $95k per year breaks down her take-home pay

Wait, where did it all go?!

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A woman breaks down her $95k paychecks and people are surprised by what's left.

Making six figures ($100,000 per year or more) used to really mean something in America. It was a big milestone in someone's life and career, signaling, at least from the outside, that they had made it. They were officially a success. Six figures never necessarily meant that you were rich, but it definitely set you up for a very comfortable life. You could afford a home, a couple of kids, yearly vacations, the works.

My, how things have changed.

One woman recently took to social media to share exactly how far her near-six-figure salary goes, and it's not nearly as far as it used to be.

Kait Alayna, who posts on TikTok about personal finance, budgeting, and all things money, shared a video recently breaking down her $95,500 annual salary. (It's not six figures, but it's pretty close.)

"[My net paycheck] can seem kind of low for my salary," she says in the video, responding to a commenter. "So here's the breakdown of gross to net so you can see where all the funds are going."

In captions on the video, she shows that her gross paycheck is $3,979. $399.91 goes to her 401k contribution. Seventy-five dollars go to a health savings account, and she pays another $68.88 per pay period for health, dental, and vision insurance. A chunky $882.30 is taken out of her paychecks for taxes.

That leaves her with just $2,553 in her pocket per pay period. That's about $5,000 in monthly take-home pay.

For Alayna's next trick, we get to watch it all disappear!

@kaitalayna

Replying to @Faith Hainey my semi-monthly gross paycheck -> net paycheck breakdown #paytransparency #salarytransparency #paycheckbreakdown #PersonalFinance

Five thousand dollars per month is nothing to sneeze at, of course! By all accounts, Alayna is doing great in her life and career.

But it vanishes from bank accounts faster than ever in the year 2025. In another video, she breaks down her monthly budget, which she shares with her fiancé:

Rent is $1780, and the total of all of their "essential" costs like groceries, gas, car insurance, cell phones, etc. is a whopping $4600 per month. Again, some of these costs are shared between two people, but that's nearly all of Alayna's paycheck swallowed up right off the bat!

Crucially, they're spending an extra $700 per month on paying off debt like student loans, on top of the $550 mandatory payments. Together, they own over $60,000 in student loan and other debts. We don't know the terms of their loans, but it often takes people decades (or even a lifetime) to pay down balances like that.

Commenters could relate to Alayna's situation:

"I have the same salary, nearly the same deductions, and I take home $2200. We are in such a hard spot" one user wrote.

"I made $100k a year and only being home like $2400. FSA, 403b, retirement pension, taxes, college savings. Sometimes I’m like where is my money?!" one added.

"I make $145k and my take home after insurance, taxes, 401k, etc is $3800 bi monthly, I cry when I think about it" someone wrote.

"Mine is about the same. Once rent and car payment is taken out, just enough for groceries and like one night out," a commenter said.

"My salary is $95,481 and my net is super close to yours. It just doesn’t go as far as it used to!" added another.

"Money doesn’t buy what it used to. All of the necessities are priced up," someone summed up.


@kaitalayna

new month new budget 🫶 #budget #payday #salarytransparency #monthlybudget #financialliteracy #personalfinance

Making nearly six figures per year puts people like Alayna in a comfortable and enviable position. But the hype still doesn't match the reality in 2025.

Though it's enough for a comfortable life, it's still very difficult at that salary level to save for a house, travel regularly, retire early, or even have a family—you know, the fundamental promises America was built on. Alayna and her fiancé have to be extremely disciplined with putting money aside to ensure they can withstand emergency costs and go on the occasional vacation.

Fortune writes that, "A six-figure salary used to be considered wealthy—but now, most of these earners are struggling to stay afloat amid raging living costs and salary deflation. That’s because households making $100,000 annually are still considered 'middle-class' in every U.S. state."

Even earning $200,000 per year isn't considered upper-class in many places. Fortune adds that over half of Americans earning a six figure salary still described themselves as living paycheck to paycheck, and that number is growing every year.

Why? It's because this whole time that we've been thinking people who make six figures are "rich," the cost of living has been accelerating upward at breakneck speed. Groceries are about 25% more expensive than they were just a few years ago. In the last 10 years, the median home price has gone by over $131,000. The average cell phone bill, with smartphones now being a near-necessity to be a participant in modern society, is now about $141 per month. The federal minimum wage has not changed in that time, nor has it since 2009.

It's time to reset our expectations of what a living wage really is, and even who we consider to be rich. If someone who makes the coveted $100,000 per year is still living paycheck to paycheck, living and dying by the budget spreadsheet, and devoting a huge chunk of salary to paying off debts, what hope does anyone else have?

Alayna writes that she's thankful for her job, and she's making it her mission to help others with smart budgeting and money decisions. But until a carton of eggs becomes affordable again, almost everyone's going to have a tough time getting ahead.

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Man lives on a cruise ship 300 days a year for the same cost as renting in Florida

He's spending less while spending more and more time cruising.

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A man works from his laptop while relaxing on a cruise ship

Living permanently on a cruise ship seems like a dream of the uber-wealthy. You spend your days lounging on the deck by the pool or touring an exotic location. Nights are spent dancing in the nightclub or enjoying live entertainment. You no longer have to worry about traffic, cooking or laundry. Your life has become all-inclusive as long as you’re on board.

At Upworthy, we’ve shared the stories of a handful of people who’ve been able to spend their lives on a permanent cruise because they’ve figured out how to do so affordably. Or, at least, at about the same cost of living on land. Insider recently featured the fantastic story of Ryan Gutridge, who spends about 300 nights a year living on Royal Caribbean’s Freedom of the Seas. He only leaves the ship for a few weeks a year during the holidays.

Gutridge works in IT as an engineer for a cloud solution provider and can do his full-time job right from the ship. “I do meetings in the morning and afternoons, but I can also go to lunch and socialize or meet people at the gym,” he tells Insider. “I've even met people that I stay in contact with and that have come back and cruised on this ship with me multiple times since.”


Gutridge says that living and working on a cruise ship has improved his mental health. “Working from home was isolating. I don't have kids or pets, so it's easy to become somewhat introverted, but cruising has really helped and made me a lot more social,” he says.

So, how does he afford life on a permanent vacation?

“I have a spreadsheet that automatically records all my expenses, which helps. I also set a budget every year,” he says. “This year, my base fare budget is about $30,000, and last year when I started really looking at the numbers and evaluating how much base fare I paid to be on a ship for 300 nights, I found it was almost neck-and-neck with what I paid for rent and trash service for an apartment in Fort Lauderdale, Florida.”

Currently, the average price for a one-bedroom apartment in Fort Lauderdale is $2,088 which would cost Gutridge about $25,000 a year.

- YouTubewww.youtube.com

Gutridge believes that the key to living on the ship affordably is loyalty programs. He’s actually spending less in 2023 than he did in 2022, even though he’s spent more time cruising.


Bon Voyage Sailing GIF by ZhotGiphy

“Now, because I cruise so often with Royal Caribbean, I've moved up in its loyalty program. My drinks and internet are free. If people are going to do something like what I do, I recommend trying different brands because they all offer something different. But once you commit to one, you should stick to it so you reach those loyalty levels,” he says.

When he’s not on the ship, he makes doctor and dentist appointments and spends time with his friends. Then, it's back on the high seas, where he has a routine. Monday through Friday, he works, eats healthy, and goes to the gym. On the weekends he'll let loose and have a few drinks.

If the ship arrives at a location he enjoys, he’ll take a PTO day from work and go sightseeing.

aerial photography of white and blue cruise ships during daytime Photo by Fernando Jorge on Unsplash

Eventually, Gutridge wants to get rid of his apartment and sell his car, so his primary residence is a Royal Caribbean ship. “I have a strong relationship with the crew on this ship,” he says. “It's become a big family, and I don't want to rebuild those relationships on another ship — I joke that I have 1,300 roommates.”

This article originally appeared three years ago.

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Pack your bags, America. Portugal just became the number 1 place we all want to escape to

Other top-requested countries include Spain, Canada, and Italy.

Photo credit: Canva

Americans are seeking a new life abroad.

Have you been doom-scrolling through an endless news cycle, filled with rising housing prices, impossible-to-pay healthcare bills, and polarizing political upheaval lately? Is all that doom and gloom making you want to seek greener pastures—perhaps overseas? Well, you're not alone. Over 116,000 Americans have been feeling the exact same way, quietly researching their escape routes, and they're all leading to the same place: Portugal.

According to a survey conducted by Expatsi, a company that helps U.S. citizens move abroad, Portugal is officially the number one destination where Americans want to relocate. And why not? Although it may lack the name recognition and star power of other European countries like Spain, Italy, or France, Portugal has plenty to offer Americans seeking a different way of life.


woman, portugal, expat, moving, abroad Portugal has an incredible wealth of opportunities for American expats. Photo credit: Canva

“Portugal rose to prominence by offering friendly programs for taxes and visas for foreigners, including allowing them to gain residency through buying homes,” explains Expatsi co-founder Jen Barnett. Even though many of these benefits are no longer offered, the exposure Portugal received was enough to turn heads. “People are now more aware of what else it has to offer,” Barnett continues. “Lower cost of living, better quality of life, more safety, and warm and welcoming people.”

What else the survey tells us

The numbers revealed by the Expatsi survey unmask a story that's equal parts relatable, fascinating, and slightly bone-chilling. Why do Americans want to leave the country in the first place? The number one reason is predictable: to find adventure, enrichment, and growth overseas. Beyond that, 56% of survey respondents said that the U.S. had become too conservative, and 53% cited political divisions as their primary motivation for wanting to leave. Roughly half of all respondents also claimed that they wanted to move away to avoid the threat of gun violence.


portugal, expat, moving, abroad, beautiful Some Americans want to move as soon as six months. Photo credit: Canva

Some survey respondents said they were actively looking to move soon, with 12% hoping to relocate within the next six months. Then there were the cost of living statistics: 41% of survey respondents said they hoped to save money by living abroad, while 30% said they hoped to retire. While the average price to rent a one-bedroom apartment in New York City or San Francisco can set you back somewhere between $2,800 to $3,500 per month, a similar-sized place in Lisbon falls in the ballpark of $1,300 to $1,700. Let's compare monthly utilities: in the U.S., that'll be around $186 per month. In Portugal, around $35. Even a nice dinner can put things into perspective—in most major American cities, that can cost around $80, while in Portugal, it'll be a mere $40. Overall, the cost of living in Portugal is a whopping 36%–48% lower than the U.S., encompassing rent, groceries, dining, healthcare, transportation, and more.

A different pace of life

Elizabeth Burke from Washington, D.C., has been visiting Portugal annually since 2016 and plans to retire there within five years. “No matter where you go in Portugal, there's a sense of calm,” she tells reporters. “You land in Faro, and you feel like you can breathe. There's a feeling in the air of happiness and peace.”

That sense of peace isn't just something you feel—it's measurable. Portugal ranks as the 7th safest country in the world, while the U.S. sits at a sobering 132nd place. The healthcare situation is equally eye-opening. While Americans spend an average of $10,586 per person on healthcare, Portuguese residents spend just $2,785, thanks to universal coverage. Private health insurance is also more affordable, costing $50–$100 monthly in Portugal, compared to $600–$900 in America.



But perhaps the most compelling draw for many Americans is the promise of something they've long given up on: a real work-life balance. Within the last decade, Portugal has passed groundbreaking legislation to protect workers' mental health. Employers are legally banned from contacting employees outside of work hours, and companies must fully compensate remote workers for home office expenses like Wi-Fi, electricity, and technology. Imagine that! It's the kind of worker protection that many Americans can't even fathom, as we're accustomed to constantly checking emails and paying out-of-pocket for work expenses.

Next stop… Portugal?

It's no surprise that the American expat population in Portugal is exploding: since 2017, it's grown by 200% with nearly 10,000 Americans now calling Portugal their European home. And they're not all retirees or billionaires with summer vacation homes, either. Thanks to the country's Digital Nomad Visa, non-EU citizens can live and work remotely in Portugal as long as they have proof of employment with a non-Portuguese company and a minimum monthly income of about $2,750. Visa holders can apply for temporary or long-term residency under this program, which can lead to permanent residency or even citizenship. Portugal also offers attractive tax incentives for remote workers, like the Non-Habitual Resident (NHR) program, which can provide impressive tax benefits for up to 10 years.


via GIPHY


The numbers don't lie: Americans are tired of the way things work here, and they're actively seeking escape routes. Many are questioning why they should wait for conditions to improve at home when Portugal offers greater affordability, safety, and quality of life. Increasingly, these same people are realizing their answer may lie abroad.

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Gen X reveals their retirement plan but it's not one you'll find in a finance news segment

Turns out traditional retirement may have ended with boomers.

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Gen X reveals their retirement plan, it's not found in financial news

Retirement is something just about everyone looks forward to once they cruise into middle age. Daydreams about spending your days on the beach sipping a frozen drink under a cabana while the sound of the waves washes away any left over worries. Sounds lovely, doesn't it, but not everyone gets to live that retirement dream. "Feel good" videos of strangers helping an elderly stranger retire through a GoFundMe campaign cycle through the social media sphere ever three to five business months.

But Gen X has a plan that they consider foolproof. The children of baby boomers don't have company pensions to fall back on as a whole like many from previous generations so they've had to come up with something on their own. Currently, financial analysts explain that in order to retire someone needs to have 10-12 years of their annual income stacked in their bank account before they hit the retirement button. That means if you currently make $100,000 per year, you should have over $1 million in the bank but people also need to account for cost of living increases.

gen x; retirement; gen x retirement; gen xers; retirement planning; saving for retirement Couple enjoys a serene sail on a sunny day.Photo credit: Canva

Saving for retirement starts early for those in the position to save, since experts advise that people should already have up to four times their annual salary in savings by the time they're 40 years old. Many in Gen X don't have 4 to 6 times their annual income in their account, in fact a large sector of this generation are still living paycheck to paycheck with little money in their savings accounts. This reality plays into the tongue-in-cheek but very serious Gen X retirement plan and it's not one you'll find in the finance section of a newspaper or magazine. Simply put, Gen X plans to die.

We're not talking about they are all planning to drink special Kool-aid or anything, they just plan to work until their body's give out and they die. The sentiment is something that people joked about on social media often using a viral sound attached to a video of a woman walking to her desk.

gen x; retirement; gen x retirement; gen xers; retirement planning; saving for retirement Floating in bliss on a sunny pool day.Photo credit: Canva

"So I am obviously Gen X and my retirement plan is to pass away, so I'm not sure how many other Gen X people have that as their retirement goal but I know that I will be working one day and fall over dead," the woman says.

The comment section on the video was full of people agreeing that they had the same retirement plan with a few exceptions, like the person that writes, "Norway prison is by far the best that I have looked at for retirement."

@fnpkpc

Can we protest for a 32 hour work week and higher pay??? #healthcare #nursepractitioner #medicaltiktok #genx #work #retirement

In another video that uses the same sound, the Corrbette Pasko asks, "are you trying to tell me there's a different option, because I don't understand what that would be. They don't want to give me money when I'm alive and working, if I stop working who's going to give me...like what do you think I'm going to do, buy a boat? With what? I tried planting a money tree in the back and it...okay, I didn't put any seeds in the ground. I just yelled and screamed and cried a bunch and stomped and I thought maybe, but no."

Upworthy spoke with Gen Xer John S. Blake about the retirement plan for their generation and why they think many are not prepared. They explain, "First, I can't only speak for my own personal experiences. For me, schools didn't teach financial awareness: banking, investments, etc. Also, our economy was so easy to navigate because, by the time I was 16, I could work one full-time job, at minimum wage, and still afford an apartment. People were given free health insurance, without having to pay into it, as part of their employment packages. Mass layoffs, high unemployment rates, and job scarcity wasn't a thing. If you needed money, you could get a job in hours. Not months. HOURS!"

@corrbette

#stitch with @Kendra There are people who have a different plan? I. How? #GenX #retirement

Blake also shares that many in Gen X had a rough start with the epidemics of drugs, AIDS and high incarceration rates as the government attempted to crack down on drug users. According to Blake this left a lot of mothers as sole providers for their families which left little room for any at home financial education, which only later contributed the issues some face now. But Blake isn't without hope, while they admit if they had all of the answers they'd be retired, the Gen Xer says he follows specific social media accounts for financial advice.

"There are so many social media profiles that teach sincere financial awareness. One of my favorites is @Vivian "Your Rich BFF". She breaks down financial literacy in a way that is palatable for those of us, like me, who still understand very little. Plus for those of us who feel guilty and ashamed to finally put ourselves first, I would suggest looking into Dr. Raquel Martin Phd. She's been helping me, one podcast and TikTok post at a time, to allow myself some grace," Blake tells Upworthy.

@dawnrenee_70

#stitch with @thejunquelove #genx #retirement #plan #broke #funny #lifehack

While there jokes being made about not being able to retire, with Dawn Renee saying she will need to die and have her funeral during her lunch break because she can't afford to do it any other time, experts try to calm fears. They suggest that you can still retire by downsizing your home, tightening your budget to spend as little as possible, and retire gradually. Thrivenet reports that 30% of Americans plan to take the gradual retirement route while 5% of Americans don't plan to retire at all, pretty sure Gen X is most of that 5 percent.

No matter if you have $20 in savings or $200K, retirement is likely on your mind and Gen Xers are here to let you know that you're not alone if you plan to continue working for the rest of your life.

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