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Woman reveals take-home pay from $95k salary and it explains why everything is broken

It sounds like a lot, but viewers couldn't believe how fast her paycheck disappeared.

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

More money, more problems? Maybe not, but definitely some problems. Big ones. 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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Woman shares her $37.90/hr wage working at Costco and people are rethinking their choices

"So getting a college degree is a scam?"

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A woman shares her stunning Costco paycheck and has users rethinking their biases.

Some misconceptions just won't die. One of the biggest is that retail and fast food jobs don't constitute real "careers," and are temporary dead-ends meant only for teens or seniors. Let's face it: There's a stigma against what are viewed as lower-level jobs, so much so that working fast food is often used as a PR stunt by politicians to show how "normal" they are or a punishment for criminals.

It really doesn't have to be this way. Imagine a world where an entry-level retail job could turn into a real career, steadily rewarding loyal employees with more and better pay, strong benefits, and advancement opportunities. Imagine if you could get on-the-job training and new certifications that would help you move up the ladder and earn even more money, all with the support of your company. Shouldn't working hard at a job, any real job, give you the right to a pretty good and comfortable life? Is that so crazy?

making money, employment, working, costco job, work Season 2 Money GIF by Sony Pictures Television Giphy

Well, it's not common, but one woman's story shows us that it is possible.

A woman has gone viral on TikTok for sharing exactly how much she earns as a loyal employee at Costco and people can't believe their eyes.

The young woman, who goes by Joce on social media, shared a video breaking down how her pay has changed over the years she's worked at the bulk-retail giant.

According to the video, she was hired in 2018 at a meager but respectable $14 per hour. In one video she jokes she always said it was "just a summer job."

But she stuck around for seven years and counting, and it's not hard to see why. Steady raises each year brought her to a whopping $37.90 in 2025.

This number doesn't even account for Costco's twice-a-year bonuses, benefits, and time-and-a-half pay on Sundays, and would put Joce at just under $80,000 per year assuming a full-time schedule. Not bad for a "summer job."


@thelifeofjoce

loyalty really paid off #costco #paytransparency

Nearly 11 million people watched the video. Commenters were in shock that someone could make so much at a so-called dead-end retail job.

In particular, people who'd spent a lot of time (and money) on advanced degrees just to be struggling with debt and burnt out in their careers were absolutely shook by the revelation:

"just looked at my masters degree and sighed" one user joked.

"Does Costco need nurses" quipped another.

"THIS is why I left teaching after 8 years with a masters degree and never looked back" someone said.

"So getting a college degree is a scam" another person added.

costco, working at costco, good wages, work, employment People are enthusiastic about working at Costco. Giphy

Others shared their own stories from their lives or from people they knew:

"True story.. RN working with me full time and keeping her part time work at Costco since she got paid same or maybe little more. eventually she went back fulltime working for Costco."

"I had a friend who worked [there] over 20 years, her 401K, was set for life. Costco employees, stay forever. Their pictures on the wall. They treat employees great"

While impressive, $37.90 per hour doesn't quite tell the full story. No, the full story is even cooler.

Joce breaks down her pay even further in another video, explaining that she's able to make so much at Costco because she moved into the optics department and became a licensed optician.

In addition to her base rate of $31.90, Joce gets a premium added to her wages. Certain specialist positions get premium pay and some store locations offer additional premiums as well. She also makes $56.85 per hour on Sundays, making for some pretty beefy paychecks.

But lest you think that Joce's optician's license should take away from her success story, think again! In responses to comments on her videos, she explains that Costco helped support her as she worked to get certified as she had no prior experience or training:

"It’s all on the job training and they give you time to study while working!" she writes. "They give you 3 months to study for the first exam (ABO), then up to a year or so to pass the second one (NCLE) to get fully licensed"


@thelifeofjoce

cleared up the confusion and my astigmatism #newglasses #costco #faq

From a young age, many of us are fed the belief that we need to spend four years in college and take on crippling debt just so we can get a degree and give ourselves a shot at a proper "grown up" job.

You know, like an engineer, doctor, generic business-person. These are the careers you're supposed to aspire to have. But there's no guarantee that achieving that dream is going to make you happy just because it's considered respectable.

Over 42 million Americans have student loan debt and the average comes out to just under $40,000. For many, it's impossible to pay off, which can be especially grueling when you find out the career you were chasing isn't as fulfilling or well-paying as you thought it would be.

It doesn't have to be this way. People like Joce are proving that there are other paths to success, and she's not alone. More and more of Gen Z is turning to "blue collar" work because it's viewed as more balanced and stable. If more companies would take care of their employees and pay a fair, living wage the way Costco does, people would have a lot more options.

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Bartender shares her $9.28 paycheck to remind everyone why tipping culture is broken

The tipped minimum wage hasn't changed in 30 years.

via Aaliyah Cortez / TikTok
Bartender shares her $9.28 paycheck to remind everyone why tipping is so important

More and more people are getting fed up with tipping culture and "tip creep" in the United States. The COVID-19 pandemic severely disrupted the service industry and now almost everyone is paying the price; being asked to tip at self-checkouts, vending machines, and for drive-through or carry out food orders. Often times, the "suggested tips" begin at 20% and only go up from there. Tipping was meant to be a generosity for great service, not a necessity for business owners to be able to pay their workers.

That frustration, along with overall higher prices of... well, everything, has led to a noticeable decrease in overall tipping. People are annoyed and closing up their wallets. But until the culture and laws change, it's service workers who are the ones really getting hurt.

A server in Texas recently shared some personal information on TikTok to remind everyone why it's so important to tip those who serve us our meals, drinks, and cut our hair.

In 2020, Aaliyah Cortez filmed a video of her paycheck where she shows that although she worked 70.80 hours during a pay period, she only received a check for $9.28.

"So this is why you should always tip your bartenders and servers, anyone who waits on you, or provides a service for you," she said.

@f.aa.ded

PSA #psa #fyp #foryou #bartender #server #work #tips #chooseone #CleanFreshHype #photography101 #hardwork #viral

The video shows that even though she was paid the criminally low federal minimum tipped wage of $2.13, the money she received in her check was further reduced by taxes, social security, and Medicare payments.

"Of course, I got tips, but this is what I got for my hourly," Cortez said. "This is why you tip."

The rules for wages in tipped industries vary across the country. Texas is among the 16 states where the state minimum cash wage payment is the same as that required under the federal Fair Labor Standards Act ($2.13/hr.).

Now, if a server making $2.13 an hour doesn't reach the federal minimum wage of $7.25 an hour with tips, then their employer must make up the difference. Which, to be clear, is still horrendous and does not constitute a living wage. According to the MIT Living Wage Calculator, a single person with no children would need to earn $21.82 per hour to afford basic cost of living expenses in Texas.

tips, tipping culture, service workers, waiters, bartenders, barbers, economy, money, jobs, culture What consumers see everywhere we go. Giphy

The calculator also indicates a "poverty wage," which is $7.52 — just a few centers higher than the minimum wage.

The best state to work in for tipped wages is Washington where the minimum wage is $16.66, with no separate wage for tipped employees.

In a follow-up video, Cortez further discussed the issue, noting that she doesn't agree with "state laws that allow restaurants to pay under minimum wage and expect the customer to pay our wages," she said.

"I make great money in tips, she added, "However, this is not the case for all service industry workers." According to Cortez, people aren't always that generous with their tips, even though their "state is expecting them to tip."

@f.aa.ded

WATCH MY LAST VID #psa #fyp #foryou #bartender #server #work #tips #hardwork #viral #serverlife #bartenderlife

Cortez's video is a great reminder of two things:

First, that we should all be mindful to take care of those who serve us by giving them a decent tip. If you don't want to leave a tip for the cashier at the grocery store or the ticket-taker at the movies, who should all be earning at least $7.25 per hour, that's understandable.

Save it up and give it to the people who really rely on it for their income.

Secondly, Cortez's video is five years old but just as relevant as ever. It's still strong proof that the U.S. needs to address the issue of the tipped minimum wage because it hasn't changed in 30 years.

"Since 1991, the federal tipped minimum wage has been frozen at $2.13 an hour," gender economist Katica Rot told NBC. "Meanwhile, the non-tipped federal minimum wage has risen 70.6% and consumer prices have gone up 90.24%."

In fact, tipped employees are twice as likely (and servers three times as likely) to live in poverty than non-tipped workers.

Women bear the biggest burden of the tipped minimum wage. They represent 70% of all workers in tip-dependent occupations.

In recent years, Congress has rejected attempts to raise the federal minimum wage to $15/hour, even though most Americans support it. That fight, however, is far from over.

In the meantime, it means the average person needs to step up and do their part to help out as much as possible. But it's impossible to ignore the systemic nature of the issue at hand. And until business owners are required by law to pay their workers a living wage, no amount of spinning iPads and "suggested tips" will fix anything.

This article originally appeared four years ago. It has been updated.


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"We need help": Real mailman shares his huge paycheck to help recruit more postal workers

The big number came as a huge surprise to viewers.

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Mailman reveals his massive paycheck to recruit others

People often overlook the "people in our neighborhood" as Mister Rogers would call them. Their presence is so common that we don't always notice them until they're gone for a day or two. These are people like school bus drivers, sanitation workers, delivery drivers, and postal workers. Of course people know they exist and that they're there to do a job but because their presence is sort of in the background of daily life we may not give their jobs much thought.

There's the thought that "someone has to do it" when it comes to the service they provide but sometimes that "someone" is you. Or at least it could be you, especially after hearing how much one of those jobs pays. It's a common misconception that work like sanitation or postal service is menial and low paying, but the truth is that this essential work can be quite lucrative in the right circumstances.

A mailman that works for the U.S. Postal Service decided to share his paycheck with social media in an attempt to help the post office recruit more mail carriers.

The post office continues to have a shortage in mail carriers in certain areas, especially in rural settings. This shortage causes delays in receiving mail and longer hours for current mail carriers. While the post office has been working to fill in the gaps by doing more hiring, it still isn't enough with the large number of USPS workers that are nearing retirement. It seems to be a constant struggle to keep an adequate amount of mail carriers throughout the areas that need them most.

mailman paycheck, mail carriers pay, job market, job hunting, mailman shares check, pay transparency, jobs, economy The pay is good and you get to drive this sweet truck around! Photo by Joel Moysuh on Unsplash

One of the barriers to people applying to the Postal Service may be that they don't know they're hiring since some people may see mail carriers as background characters.

Another concern may be that people are not sure if they can make a livable wage working for the post office, but that's where Lukas' video can help fill in the blanks.

In response to viewers not believing he actually made six figures, the Missouri mailman and TikTok creator shares a screenshot of his paycheck showing he brings home $4,423.09 every other week, which averages out to just over $100K a year.

Being fully transparent, Lukas shares that his paycheck includes 23 hours of overtime due to the extra hours he has to work from being short staffed.

mailman paycheck, mail carriers pay, job market, job hunting, mailman shares check, pay transparency, jobs, economy Nothing warms the heart more than a mail carrier being truly embraced by their community. Giphy

"On one of my previous videos somebody said, 'prove it' on one of my checks, so here's one of my last checks. As you can see, the overtime hours, plus my normal pay all equals up to $4,423...so, and that's for two weeks of work. I'm working too much but if you were to multiply that by 26 weeks that's over $100,000. We need help and the post office pays well," he says.

Lukas reiterates throughout his video that the post office is hiring and they need help desperately but the comments were mixed on if working at the post office was a good move.

@lukasthegiant

We're Hiring and Yes, We Pay Well. In some cases, over 100k!#greenscreen #werehiring #paidwell #tallestmailman #needhelp #getpaid #100k #usps #apply

"I mean he’s technically making 25.00 hourly and $38 for each hour of OT. You’re forgetting the minimum wage in majority of states is 7.25," one person writes.

"Post office is recession safe. Been there 30 years," another commenter shares.

Someone else chimes in, "been working at the post office for 5 years just made regular. it is not easy when you start but once you know how to do it it's a BREEZE."

mailman paycheck, mail carriers pay, job market, job hunting, mailman shares check, pay transparency, jobs, economy US Mail is not for sale, says the postal workers union. Photo by Ethan Hoover on Unsplash

A former postal worker reveals, "I worked there 6 years and had no life. Worked 12 + hrs for 7 days a week. I wasted most of my 20s working. NO THANK YOU!!!!, before adding. "When I started years ago it was $15 an hr when I left it was $25."

To be fair, while Lukas is doing well for himself (and working quite hard for the money), a lot of the mail carrier shortages are being caused in part by wages that don't cover the cost of living in certain areas. So there's definitely room for improvement, and the American Postal Workers Union is fighting for higher pay and better hours all the time.

Did you know that the postal service is a staggering 250 years old? For a good chunk of the last several of those years, politicians and corporations have been obsessed with the idea of privatizing the whole operation and siphoning as much profit out of it as possible.

Just imagine how many billions of dollars private companies could make by charging way higher prices for shipping! The idea may be salivating to investors and billionaires, but not to regular folks who just want to be able to affordably and reliably mail letters and packages.

The American Postal Workers Union has been actively and aggressively fighting against this potentially catastrophic change. Not only would it hurt regular Americans, but mail carriers like Lukas who have carved out a solid and honest career doing essential community work.

The post office seems to be much like any other job. Some people have a great experience working there while others do not, but if someone is looking for a chance at a new career that offers retirement benefits, it sounds like USPS could be a place to land.

This article originally appeared in January. It has been updated.

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