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I'm a waitress, I make about 60K USD give or take 5K. It varies significantly throughout the year, though. In Chicago, that's enough to support a family of five.
I am amazed that you can support a family of 5 with 60k!
That said, i am also amazed that you can make 60k being a waitress! Is that after paying taxes?
before taxes
the secret is simple: no car. It's a huge expense and in a city like Chicago, completely unnecessary. I never would've been able to buy a home with that millstone around my financial neck