Recently an article by CNBC has been making the rounds on social media for its ridiculousness as a Sort of suggestion for all of us millennials who are struggling with Money because we just aren't that smart with it.  It focuses on one 25 year old who makes $100k.  First problem.  Most of us are barely making half of what he does.  Yes he lives in a big city, but that is still much more than most, especially at the ripe old age of 25.  Even at 30 or 35, six figures is still a far away dream that can never be reached.

But putting aside how much money he has to spend, people are questioning about the amounts that he supposedly spends.  Some seem extraordinarily high and others laughably low.  See their chart below:



Now most people thought the laughably low amounts were rent (there's no way you can find a place in Boston for that little), cell phone, internet, and house cleaner.  Now if you actually read the article, you see that he has 4 roommates so most of those expenses are split between 4 people.  And he's on his family's cell phone plan (lucky) which is why that's so low.  Of course the biggest thing is, who has $615 to donate EVERY MONTH?  I guess if you live with 4 other people and make 100k you could.  But also, like, he doesn't have any entertainment?  And you're saying he doesn't have student loans he has to repay?  Hmmmmm

Now I'm fine with all of this.  My problem is that it is unrealistic for most people so not really helpful to see what a normal budget should be like.  He makes much more than most of us and it is a bit crazy to expect everyone to live with 4 other people.  And if you are like me and are in a committed relationship, you'd like to have some sort of semblance of a private home for you.  Is that too much to ask for in life?

So it got me thinking, though I'm sort of a stickler for spending money, I don't really "budget".  I honestly had no idea how much we spend monthly on a lot of things.  I keep a record of how much comes in and how much goes out so I know if we can make a large expense or not, but fortunately my husband and I make enough that we don't have to save up for essentials.  We can live comfortably in our somewhat minimal lifestyle.  So I wanted to see how we fell compared to this person.  Here's my breakdown (keep in mind it is for 2 people in the San Francisco Bay Area):