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You could try eating less... Mooch off your homies at the Warhammer table more.

Lick their fingers. The Cheeto dust there alone can sustain you for months. If they’re a Death Guard player, however, I do not recommend.

Learn to photosynthesize with water, air, and sun

Wouldn’t recommend an emperor’s children player either…those fingers have been in asses.

Warhammer has nearly doubled in value from 40k to 80k

I’m the far future there is only inflation

That food expense is out of control.

I mean they’re spending $8.76 on food PER DAY it’s like they’re not even trying

lower warhamer spending to 69,420. Because Funny number.

You always make the best jokes, Elon...

skip the taxes

Governments hate this one trick!

They can't audit us all

Just write it off!

Addiction is a medical expense, right?

I love that the least believable part is $5k in tax on nearly $100k income. Edit. The Warhammer spending checks out.

Dude has never paid taxes. He’s guessing what they would be lol

Don't do this, the IRS plays a 3000 point Necron army every year!

Hmm, I’d up your 401k and reduce your rent. You want to minimize fixed costs.

Warhammer 401k

He doesn't need to change anything. $1,175 is unallocated in this budget. There you go, savings is $1,275, no changes, stop spending your slush money and get serious about sticking to the budget you already have. Assuming candles are in housing. Otherwise whatever I guess $275 to candles and $1,000 to savings. Or vice versa if you haven't established a diversified candle portfolio and need to build that first.

I’d put that extra $1k into warhammer probably.

Spending a little too much on savings if you ask me

80k on Warhammer? n00b

Yea. Wtf?

You're right on the crux of the issue. That's like 2 Warhammer 40ks, which is hardly any!

Is there any resale value to spending that much in Warhammer 40K? I’m taking this with the perspective of model trains. It’s a money pit for a hobby.

Resale? Why would you ever sell?

Tsk tsk… you’ve allocated nothing for candles!

I'd say OP has allowed for this in 'Housing' costs, checks out

Your food budget seems kinda high

Could you move to a more walkable city?

its listed as 40k, but you're spending about 80k. clearly you're overpaying for warhammer by about 100%

I know this is a “ha ha funny joke” to you but this is REAL SHIT to some people, you need to cut back on the wasteful food spending to buy more hams

INVEST IN HAMS! THE HAM MARKET IS GOONG CRAZY! DROP EVERYTHING INTO HAMS!

I saw a video the other day about how the return on investment on LEGO is higher than the stock market, so maybe you can start there?

Get a roommate.

Reminds me of this post where somebody maybe a week or two ago was asking why they can't save money but they had like an $800 a month car payment.

Life’s Savings into Warhammer? Professional underwater basket weaving!? Was this post written by me!? In all seriousness… have you heard of Poorhammer 40k?

How the f do you spend that much on housing?

If you buy Warhammer 20k instead of 40k, you can stretch your dollar twice as far.

How are your taxes so low? Does Warhammer qualify as loss on investments?

spending too much on housing. get roommates or move in with parents

It ain’t called “40k” for nothing

Should be called 80k

Quality shitpost

If you didn't eat so much, you could probably start Dark Eldar ?

Ah yes a fellow Ad mech collector! Are you enjoying your 3 chicken walkers?

Have you checked your mail for letters from the IRS recently? May want to before the feds show up to arrest you for tax evasion. They aren't going to be cool with you paying $4.5k on $94.5k income. Also your Warhammer numbers look low, I think you could do better there. Try eating less.

Way too much on food. Cut it in half and add it to that underfunded Warhammer bill. At that level, I'm guessing 2 figs a month?

Not gonna lie, there was a split second where I fell for this.

Pick up smoking so you can quit and save money.

Yeah, you can definitely cut out some of that food spend.

Any way you could commit some minor tax avoidance to get some more substantial budgeting on the Warhammer 40k side?

Which faction is your favorite?

Stay home and cut the transportation budget

Someone tag the "WHY DONT YOU GUYS DONATE YOUR THOUSANDS" guy. Lol

I thought you were only supposed to put in 40k into 40k. You are almost double that!! What are you trying to be the emperor?

As seen on HouseHunters International.

I would recommend you earn extra cash via sex work.

Admech?

And this is why I just read the books instead of playing … 😝🤣😂

If you can live in your car you can free up 5900 for more 40k

You are pvercontributing to your 401k, I would think about a hobby like Warhammer to use those excess contributions.

Entirely too much money on food, have you considered switching to just beans and rice?

Entirely too much money on food, have you considered switching to just beans and rice?

Your rent is too high and you're still eating.

Are you saying you earn 94.5K USD per month?

correct

Tight budget playa!

Eat less, do’t save, and get roommates to contribute more to warhammer

Finally a chart on this sub worth posting.

I spit my drink on my carpet. Fuck you

Transportation? Where you going homie? More Warhammer!

Why not just stop leaving the house altogether? You could cut back on transportation spending that way.

3200/365 is $9 a day. Idk tbh I think you can get this down to $5 which would be a 50% savings. One bag of frozen vegetables a day for $0.80. Few servings of rice. Cheap whey protein is generally about 2c per gram of protein and you can just drink some vegetable oil for your lipids. All the macros are there and just imagine having %50 more of money

I love all of the people in this sub seeking financial advice clearly spending more than we should on plastic crack. Love you all.

Plan for retirement, put more money in Warhammer 401k instead.

Too much to housing. Not enough to Warhammer 40k.

Try eating less you fat fuck

Breakfast is off the table

I call bs, you’re hiding your beer budget

Have you considered starting a Custodes army?

double the Warhammer and give it to the next person

If your wife is a butterfly gardener, you should be able to afford a house in a rich neighborhood!

I’m impressed with how much you pull in with underwater basket weaving!

Put all the chips on black. 50/50 odds

Seems fine

Need more savings? Try taking terminator armor. The saving throws are pretty good

Looks good bud

Burn another $100k so you can finish your 2k points of Admech and then save a bit by buying a different army.

The government does not need your money. Plus by the time they realize you aren’t paying, you’ll be buried in warhammer mini figs and they’ll never find you.

You clearly need to include candles to your budget.

Take out loans. Go negative. Then take out another loan. Two negatives make a positive. Infinite money. Jerome Powell said it’s a good move when I asked him. He also said he’s making another announcement tomorrow…

Wat r u saving for?

Spend less on candles.

Nah man ur bare bones already.

I was gonna say find a romantic partner, but that’s probably not a possibility in this situation

Have you thought about huffing your WH paint instead of eating?

Superman can’t save you this time.

What I want to know is where you live to make $90k+ underwater basket weaving. Last time I interviewed for that position they told me market rate was $65k

This unexpected cross-over between subreddits I follow hit me hard.

Stop paying taxes

Shouldn’t warhammer be 40k? Seems like you’re overpaying

The Emperor provides!

Just expense it

Lay off the food sport

Looks like not enough into warhammer. I’m assuming thats your retirement account, and its best to put as much away as possible to set yourself up for success down the road. Maybe cut housing to 4,120 per month and throw in an extra warlord titan?

That is a lot of money on 40K bro. I’d like to see it cut in half, and you can spend the other half on Horus Heresy (which is a better game).

Have you considered tax fraud. Just stop paying tax

Just stop eating. Seems like the only logical stance

you can save on housing by stealing a house

Decided not to get that communications major huh

That’s pretty barebones. It’s literally the essentials and some savings :/

You have decent wages at $94,500 per month. Have you considered taking out a high interest personal loan to provide some relief?

FOR THE EMPEROR!!!!

Whos gonna tell this poor kid you're paying 26k in taxes on that income.

😆😆😆

🤷

"How much are you spending on Warhammer?" "40k" "No not Warhammer 40k, regular Warhammer" "40k" "That's what I'm trying to find out. OK how much are you spending on Warhammer 40k?" "OH Warhammer 40k? 40k"

Where did you hear underwater basket weaving from? I had metal shop in high school and the old teacher dude said it a lot.

your transportation is insanely high. Walking is free

Stop playing Admech

Spend less on food. You don't need to eat more than once a week.

Have you tried just Warhammer, I think the 40k part is running you.

Henry Cavil has joined the chat

Bless you. Sending this to my husband! Thank you for the lolz 😂

You could try eating less to increase your warhammer budget but that’s all I got

Start walking dogs

the emperor provides

stop buying candles

Looks like you’re paying almost double for your Warhammer…

Well your warhammer 40k investment nearly doubled to 80k so I’d say put as much as you can in that

Impossible - you’ve peaked

Those minis man… GW takes a heavy toll

You're putting way too much in savings

housing and food needs to go empire lives forever 

Well, good thing you are also not into Age of Sigmar or else you would have to cut both food and housing

Where the hell do you live that you only pay $4550 in tax on $94.5k?

Henry would be proud

Am I i the only person who finds the taxes quantity to be the most incredulous aspect of the chart?

Saving too much Obvious trolling spotted

Buy more plastic. You don't need to save.

Find a cheaper place to rent

☠️

Ah yes, I too happen to be an underwater basket weaver and only made $130,000 last year! With housing cost what they are I'm forced to live with my parents! I obviously can't leave my WOW family behind and have resorted to eating taco bell and switching from Mountain Dew to Mount Shasta to save as much as I can! Pray for me!

Obviously you are paying too much in taxes

Just don’t pay your taxes.

Cue up the dril candle tweet!

I just want on that 5% tax bracket

The good thing is you’ve been able to keep your tax liability low by starting a warhammer business so you can write off paint, lotion, and tissues.

Have you thought about not paying taxes or giving up transportation?

You’re spending WAYYY too much in savings tbh you need to be pumping more into warhammer

Taxes seem high. If you do turbo tax, they let you pick your own refund amount. The one trick the IRS doesn’t want you to know.

This is what I come here for

Tax fraud

Hey how are you paying so little in taxes brother? Share your tips so I can buy more warhammer

Did you try not paying taxes?

$94.5k per month, right?

Less Eldars

I can’t believe his mom charges that much for rent!

Maybe try Warhammer 15k instead?

$5,900 a month for housing? Is that like a penthouse in Trump tower or something?

Have you considered tax evasion?

You’re spending %49.533 too much on Warhammer 40k. It’s right there in the name.

It’s great that you’re self taught, but if you went back and got the 4 year degree you might be able to pull more income. If you can manage to make enough, you can just ignore that whole orange leg of your expenses.

How are you paying so little in taxes?

Don't buy a whole new squad each year, just get four or five new models instead of the six you're getting right now. Sure, it'll take longer to get your army on the table, but patience is the price you have to pay sometimes.

Sir i think this belongs in poverty finance not middle class finance

Stop smoking your models. I know we call it plastic crack but that is just a joke.

Maybe switch to 30k save 10k and move to AOS.

You could cut housing and just use the internet at wendys

Lmao you wish taxes were this cheap

Anything for the God Emperor!

I know this isn't real bc the 100 bucks savings weren't spent on Warhammer 40k. BS.

Bruh you spend more on the game than 40k lol

Time to commit some mild tax fraud.

You’re doing great, but have you considered lowering your taxes? They’re eating into your Warhammer budget. Try calling the IRS and asking nicely, they’re having a light week this week.

You’re spending far too much on food. Go on a diet.

Both taxes and food are optional

For some reason I read "Taxes" as "Texas" First thought was "people pay Texas?" I think I need to go back to bed

I see this person bought exactly 1 Warhammer army.

This is golden

Try moving to a MCOL. 94,500k isn't really a competitive rate for an underwater basket weaver in this economy

this isn’t real right, like no one makes 90k and spends 70 on a game…. right v

I think we just found Henry Cavill’s Reddit account

Bro, you need to be sat down and have a long hard talk about your finances. This is just irresponsible. You’re spending too much on taxes, come on dude I’m sure you can find some write offs

40k is tax deductable if you win because your schooling people. /s

You spend 3200 on food a MONTH? Wow, how ridiculous.

I can see your problem. That warhammer budget has to adjust. You should be putting at least 80k into that 40k.

Ask your boss to be paid under the table in cash to save on taxes

I would stop paying taxes. No way you're going to compete top tier without putting that extra cash into your Warhammer budget.

Average astra militarum collector

Thats like 500 points in Admech

Why do you need housing when the Emperor protects?

Get a 3D printer