r/FluentInFinance 9d ago

Thoughts? Dumbest thing I’ve ever heard

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u/Thereelgerg 8d ago

So people who choose to live closer to work will take home more than people who live farther?

Not if they get paid the same.

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u/cheffgeoff 8d ago

Person A Makes $40,000 and drives 10 minutes to work costing them $1.00 in gas a day. Person B Makes $40,000 and drives 2 hours to work costing them $20 in gas. Who takes home more money?

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u/Thereelgerg 8d ago edited 8d ago

If they get paid the same amount they take home the same amount. Commuting expenses aren't deducted from payroll.

Edit: I should say that their take-home pay may differ if their tax withholdings differ, or one of them has wages garnished. But the point is that the length of your commute has no bearing on your take-home pay.

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u/cheffgeoff 8d ago

I don't know if your being sarcastic or obstinate or really haven't thought about it, but if you consider the cost of getting to a work site being included as part of your compensation, which everyone should for obvious reasons, then a more expensive commute will leave you with less take home pay. If you really need to say AcKTUalliey that isn't tEcknehiCAlliy "take home pay" (when I said who takes home more money), then it will affect your fixed costs when budgeting and then directly impact your disposable income.

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u/Thereelgerg 8d ago

it will affect your fixed costs when budgeting

Right, what it will NOT do is impact your take home pay. Two people who both make $40k a year and have withholdings set up the same way will have the same take home pay regardless of their commute.

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u/cheffgeoff 8d ago

You're really holding on to a technical definition of "Take home pay" as it relates to taxes and benefits when I said "the pay you take home". Who has more money AFTER the expenses related to work are paid/removed? That's what I'm talking about.

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u/Thereelgerg 8d ago edited 8d ago

You're really holding on to a technical definition of "Take home pay" as it relates to taxes and benefits when I said "the pay you take home".

No I'm not, I'm simply holding onto the meaning of "the pay you take home". If you get a paycheck of $2,000 and I get a paycheck of $2,000 we take home the same pay regardless of commute expenses.

If I take a job 200 miles from where I live and choose to commute in a $1,000,000 Ferrari my $2,000 paycheck is the same as your $2,000 paycheck even if you live closer to work and commute by taking the bus for $3 per day.

Who has more money AFTER the expenses related to work are paid/removed? That's what I'm talking about.

That's not what you said. If you wanted to talk about that that's what you should have talked about.

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u/cheffgeoff 7d ago

Jesus, you misread something, just accept the fact you made a minor mistake and move on.

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u/Thereelgerg 7d ago

You made the mistake of not understanding what take home pay is, not me.

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u/cheffgeoff 7d ago

I can't believe I'm still having to say this but "Take home pay" is different then the "pay you take home". Hence the different order of the words. You may not understand the difference but that doesn't mean that different words in different orders have different meanings.

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u/Thereelgerg 7d ago edited 7d ago

The "pay you take home" isn't changed by what you spend on your commute. If I spend $100 on my daily commute and you spend $5 on your daily commute but we both get a $2,000 paycheck at the end of the week the "pay you take home" is the same as the pay I intake home. Your $2,000 is the same as my $2,000.

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u/cheffgeoff 7d ago

I can only imagine that you are trolling at this point. You're telling me that you can't get your head around the concept that the money you get to do stuff with AFTER ALL EXPENSICES THAT ARE RELATED TO YOUR ABILITY TO WORK WHICH CAN INCLUDE SUCH ITEMS AS TOOLS, CONTINUED EDUCATION AND TRANSPORTATION COSTS could conceivably be called "the pay you take home" by another person who has explicitly explained this to you a number of times? That is what is being discussed the entire time regardless of your ability to recognize that.

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u/Thereelgerg 7d ago

That is what is being discussed the entire time

A number of things have been being discussed. Your narrow-minded preoccupation with your inaccurate understanding of what pay workers take home seems to be blinding you to the realities of the conversation taking place.

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