Once you cross the 70k mark, you can have almost anything you want. Sure, people can contrive lots of contra-examples in your replies. But the truth for real/average/majority of Americans is that level of income makes any toy/hobby/charity possible.
It also caries with it dental, health and disability insurance.
Being able to document 70k annual income offers almost unlimited credit if you have good credit and forgiveness if you have bad credit.
But at that level one is an expert and if you do not get your fair market rate it means someone is ripping you off so you want your proper pay just as a matter of fairness.
If you earn over 70k, benefits are always included. A few hundred a month employee contribution, but insurance is a non-issue. These benefits also include 401k of some sort, maybe even matching. If you don't work 1099, you acrue social security benefits.
I submit one can get over $500k of consumer credit based on 75k income and existing good credit. Not a home loan, consumer credit like a Sears card.
It also caries with it dental, health and disability insurance.
Being able to document 70k annual income offers almost unlimited credit if you have good credit and forgiveness if you have bad credit.
But at that level one is an expert and if you do not get your fair market rate it means someone is ripping you off so you want your proper pay just as a matter of fairness.