... nope, nope and no.
That's how it "starts" assuming you have ZERO debt to begin with, car paid off 100%, no credit cards at all, and financially sound and responsible with every nickle you spend.
You'll net around $54705.30 on a $90k offering... "Ballpark" likely less...
Rent will knock you out about $36,000 - 1BR 910 sq.ft, ...really any of the East Bay that's "safe" and not run down... (my rent "started" at $2285.00 a month, but no laws for rent control, by the time I left, it was up to $2950.00 a month.)
Comcast Internet / TV $1440 - annually (about $120.00 a month), mine went down after my TV died, couldn't afford to replace it, just watched YouTube instead and dropped the cable box... No Netflix either, couldn't afford it.
PG&E Gas and Electric - $958.02 - annually my average was $75-$80 a month. I never turned on the heat, EVER.
Car Insurance - $612.00 - annually, will vary, if you have a loan on it, and type of car, will be higher...
That leaves about $15695.28 for the year -or- $1307.94 a month for a car payment, food & gas, and maybe entertainment, but try to save any of that... you will NEVER be able to buy a home out there... and the credit card bills WILL creep up on you unless you truly have no life at all, no hobby, live in an orange robe and chant drone notes because it makes you calm and peaceful... then maybe, just maybe you'll sqeak by...
but... ut oh, car troubles... gotta buy parts, find a repair shop that wont _________ you over. Or bride your mechanic to help you out and buy him a pizza and a few beverages... because that $1307.94 isn't going to cut it!!!
Just ask yourself a few questions:
Why do I keep seeing this ad? Repeatedly?
Why do ALL 3 of the station out there report on the cost of living and anyone under $106,000.00 is living below the POVERTY level?
Why some of the current employee's live in a trailer, 5th wheel, or in their vehicle? Trust me, it isn't all by choice, it was getting creative with ways to cut down living expenses!
Oh yeah, keep this tucked in the back of your mind... when you're the "on-call" weekend pilot... you don't get PAID at all for being "on-call" it's part of the $90k salary, now if you get called in, THEN you get paid. And if you're a single pilot program, it can and will be difficult to sometimes get backup coverage so you CAN enjoy those 2 weekends a month off... there's one very good and dependable guy that helps out a LOT, but even he needs a break from time to time...
Do I have any other debt that would cut into my "left-over" income IE: Car Payment, child support, alimony, credit cards from past, school loans, wife, kids, daycare... ??? Expenses add up fast.