General Discussion
Related: Editorials & Other Articles, Issue Forums, Alliance Forums, Region Forumsupworthy: Here’s a paycheck for a McDonald’s worker. And here's my jaw dropping to the floor.
http://www.upworthy.com/heres-a-paycheck-for-a-mcdonalds-worker-heres-my-jaw-dropping-to-the-floor?c=upw1
Curator: Brandon Weber
So we've all heard the numbers, but what does that mean in reality? Here's one year's wages yes, *full-time* wages. Woo.
I've written tons of things about minimum wage, backed up by fact-checkers and economists and scholarly studies. All of them point to raising the minimum wage as a solution to lifting people out of poverty and getting folks off of public assistance. It's slowly happening, and there's much more to be done.
But when it comes right down to it, where the rubber meets the road is what it means for everyday workers who have to live with those wages. I honestly don't know how they do it.
Ask yourself: Could I live on this small of a full-time paycheck? I know what my answer is.
(And note that the minimum wage in many parts of the county is STILL $7.25, so it would be even less than this).
SummerSnow
(12,608 posts)They know they can't but they don't care.here is an interesting article regarding that...
http://www.businessinsider.com/denmark-mcdonalds-pays-20-hourly-wages-2014-10
.
SickOfTheOnePct
(7,290 posts)But the $13811.18 doesn't represent a full time job, either.
Jackpine Radical
(45,274 posts)These workers at the bottom are often kept under 30 hours to avoid having to pay benefits for them.
SickOfTheOnePct
(7,290 posts)Which absolutely sucks.
Just pointing out that the claim that someone working full time made that amount isn't really correct.
Skittles
(153,169 posts)IT WOULD STILL SUCK
SickOfTheOnePct
(7,290 posts)And I already said that wasn't enough.
Rex
(65,616 posts)Again, if the amount shocks you then you will be shocked by a lot of peoples yearly income.
SickOfTheOnePct
(7,290 posts)I'm sure you have a link to back that up. If full time is 36 hours per week, why doesn't overtime kick in at 36 hours?
Of course, I'm talking federal government, you may live in a state that does mandate full time at 36 hours. Is that the case?
maddiemom
(5,106 posts)Most telemarketers used to, at least. Retail, however, mostly no such thing as extra pay for overtime, just the regular hourly rate. Back in the union days, industrial overtime was at least time and a half. Working a holiday might mean double time and a half. My father, a skilled laborer, turned down many opportunities for salaried lower management positions because he wouldn't have overtime options.
kelly1mm
(4,733 posts)36 hours per week which you suggest is 'full time'.
sweetloukillbot
(11,029 posts)that's gross pay for 72 hours.
Everywhere I've worked hourly has considered over 36 full time, and often over 32 hours.
Not defending this, mind you...
kelly1mm
(4,733 posts)1578 hours worked last year. 1578 divided by 52 weeks is 30.35hours per week on average. So, while this particular paystub is for about 36 hours, the average hours worked per week for the year is just over 30.
sweetloukillbot
(11,029 posts)He may have started as a part time worker and got promoted, he may have had a part time job because he was in school. I'm not disputing he has a shitty paying job that isn't giving him enough hours, but to look at a two-week paycheck with 72 hours and say he's only working 30 hours a week is disingenuous.
mopinko
(70,127 posts)do you not ever take a day off, a vacation, or get sick with no paid leave? or do you think mickey d's gives 2 weeks of paid vacation, or 14 personal days?
the check stub says 72 hours. divide by 2 and call it a day.
kelly1mm
(4,733 posts)However, I see your point in part and if we take off a two week vacation it raises the hours worked per week to 31.56. Still nowhere near full time (at 40 or 36 hours per week)
Orangepeel
(13,933 posts)kelly1mm
(4,733 posts)assuming no fed/state tax the take home was more like $12,000 after FICA.
Man from Pickens
(1,713 posts)That's a full time job at $8.75/hour. By standard calculation this person worked an average of 31.6 hours during the year.
Cutoff for ACA coverage by a business is 29 hours, so expect to see a lot more of this.
ND-Dem
(4,571 posts)at the highest minimum wage in the states currently (Washington's $9.45), it would be $19,656.
Whatever it is, you work full time and still clear less than $20K.
Rex
(65,616 posts)people work full time and make so little. Reality can bite hard.
SickOfTheOnePct
(7,290 posts)Maybe in your world, but not in most places.
And even if were, guess what? That would still be more than $13,000.
It doesn't shock me that people make so little per hour - it saddens me, and I think it's outrageous, but it doesn't shock me. Unfortunately, that's currently the country we live in.
Rex
(65,616 posts)I guess you have no idea.
The Fair Labor Standards Act (FLSA) does not define full-time employment or part-time employment. This is a matter generally to be determined by the employer. Whether an employee is considered full-time or part-time does not change the application of the FLSA, nor does it affect application of the Service Contract Act or Davis-Bacon and Related Acts wage and fringe benefit requirements.
http://www.dol.gov/dol/topic/workhours/full-time.htm
For covered, nonexempt employees, the Fair Labor Standards Act (FLSA) requires overtime pay (PDF) to be at least one and one-half times an employee's regular rate of pay after 40 hours of work in a workweek. Some exceptions apply under special circumstances to police and firefighters and to employees of hospitals and nursing homes.
http://www.dol.gov/dol/topic/workhours/overtime.htm
Do you have something that shows that the government has defined full time as 36 hours per week? I would have thought such a thing would be found on the Dept of Labor website, but perhaps you have a better source.
Cal Carpenter
(4,959 posts)40 hours is the overtime rule but many businesses define it as 36 or some other number close to that for other purposes.
For some purposes (the ACA being an example) the standard is even lower.
Basically you all are arguing semantics. The fact is, plenty of folks who work less than 40 hours are considered full time by some meaningful measure.
RockaFowler
(7,429 posts)SickOfTheOnePct
(7,290 posts)I'm not disputing the fact that many companies consider 36 hours per week full time, I'm disputing the claims that a) the employee in the OP worked full time during the period shown and b) that the government has defined full time as 36 hours per week.
TBF
(32,067 posts)why that semantic is so important to you to define.
SickOfTheOnePct
(7,290 posts)that someone working full time only made $13,000. Simply not true.
I'm not disputing that $8.75/hour is not enough pay for any work, let alone the kind of work where you're on your feet and dealing with the public all day. But the truth is bad enough, exaggerating it does nothing to further the cause of a living wage.
kelly1mm
(4,733 posts)so this worker, by your definition is not full-time.
indivisibleman
(482 posts)is considered full time in Wisconsin if the person works more than an average of 30 per week all year. Where I once worked I would get calls from human resources to cut back on hours later in the year for "part-time" employees because we would hire for 30 hours per week but schedule them for 32 or more. Then later in the year we would either move them to full time or decrease their hours. Pretty shitty practice, I must say.
sabrina 1
(62,325 posts)Walmart is taking about $6 billion a year from tax payers.
We could all be rich if we operated that way. Most of us have some morals, which is probably why are not in a country where you have to be pretty ruthless to rise to the top 1%.
TheKentuckian
(25,026 posts)They might get in a crunch and allow more or even on rare occasion a few hours of OT like if people quit or get fired in droves.
What is it about 30 a week, sounds about right for that industry. The 18k or so would still be crap. They could work two such jobs and still be under 27k.
The thought of 60 hours a week of on the feet labor and grease for like 26 thousand is nauseating.
mercuryblues
(14,532 posts)they scatter their hours and have unpredictable schedules that even getting a 2nd job is out of the question.
TheKentuckian
(25,026 posts)leveymg
(36,418 posts)Disgusting.
TheKentuckian
(25,026 posts)Minimum wage is what a buck and a half less?
There is no excuse for this at all as a society and I don't want to hear the "for teenagers" line either, it is bullshit for one, plenty of grown folks trying to make it wage slaving away and for another its not even enough for date money.
It probably takes a more traditionally part time kid two weeks to save up for tickets, popcorn, and cokes.
malokvale77
(4,879 posts)my gross earnings for 2014. I'm a home healthcare attendant.
The worst part is those are the wages my SS benefits will be based on. My high earnings years were too long ago.
TheKentuckian
(25,026 posts)CrispyQ
(36,478 posts)& they said your SS is based on your highest 35 years of earnings.
Erich Bloodaxe BSN
(14,733 posts)hobbit709
(41,694 posts)so he shouldn't complain. His response was that at only 30 hrs/wk it wasn't more than 40 a week at minimum.
Said manager gets $120K+ a year.
Rex
(65,616 posts)13,811.18...I hope your friend gets foodstamps, because they way way qualify.
3catwoman3
(24,007 posts)...does it take for the Koch brothers to earn this?
3catwoman3
(24,007 posts)...can get it (from your daddy).
Dustlawyer
(10,495 posts)hfojvt
(37,573 posts)but mine is after insurance and I only work part time.
This person probably has no insurance, except for expanded medicaid if they live in the right state.
Does this person have
paid holidays
paid sick leave
paid vacations
any contribution to a pension
I have all of those. So while my income is similar, it also will include about six weeks this year that I get paid for NOT working.
Also, as you note, this person makes 121% of the federal minimum wage, so some people are making even less. But this person is also only averaging about 30.4 hours per week. Another 9 hours a week would increase his income by 30%.
LibDemAlways
(15,139 posts)underpaid workers in the US. I'm a substitute teacher, fully credentialed in Calif. If I worked every day this school year, my pay would be just over $17,000 (gross) for the year. No benefits either. It's a crime.
Telcontar
(660 posts)freebrew
(1,917 posts)she works full time at the local school district.
tomsaiditagain
(105 posts)They think all is well in Greedville if they keep most of the money they make. No. Nothing is ok if you look inside of the life of the people working for these greedy ass pigs without a care in the world except their fucking money.
They are slave drivers supported by the fucking pigs in the US Congress who need to get demoted to private and thrown in the brig for a year and a day w/o goodtime.
Spitfire of ATJ
(32,723 posts)TBF
(32,067 posts)are further demolished. Except for the Koch Bros. of course. And the Waltons. Those families get to stay billionaires.
Spitfire of ATJ
(32,723 posts)We don't actually live in a Democracy. Most jobs are more like life under a dictatorship.
ND-Dem
(4,571 posts)plenty of billionaires fund the democrats too.
TBF
(32,067 posts)and I focus on the Waltons because we taxpayers have to subsidize their workers.
Now the real question is what you are doing on a democratic party website defending them? Sure there are other billionaires. Those are just 2 examples. And if you'd like to speak further we can talk about the root of the problem - an economic system that encourages/rewards such wide income disparity.
ND-Dem
(4,571 posts)of kochs or waltons, nor is reminding those focused on kochs & waltons that they aren't the only folks degrading the general population with their ill-gotten gains.
all the tech companies run slave labor operations and lean libertarian to right wing on economics.
google hired ted cruz as counsel, for god's sake, to save it from an anti-trust action in texas.
that's tea-partier ted cruz, bête noire of the democrats, whose wife is a big-shot at goldman and worked for the George bush admin (i.e. an insider republican, not an outsider tea partier).
for some reason, however, democratic supporters and officials don't seem much interested in biting the billionaire hands that feed *them*.
I completely agree that the problem is systemic, but that's not being addressed at the root by either party much. Certainly there's no consistent and continuing effort to enlist the public except at vote time.
TBF
(32,067 posts)I am a socialist and I don't believe in billionaires. Period. In fact I don't believe in capitalism. I think we need a resource based system in which we pool resources and use what we need (as opposed to the current raping and pillaging around the globe that occurs due to capitalism).
Both parties are working for billionaires and my only interest in voting is to do the least amount of damage possible until we manage to overthrow this nonsense. It is not the real work afaic.
Initech
(100,081 posts)Spitfire of ATJ
(32,723 posts)ND-Dem
(4,571 posts)paying more than this anymore".
even by people who are getting paid quite a bit more, at full time, supposedly to help find them work.
people often less skilled and educated than their clients.
Spitfire of ATJ
(32,723 posts)Thus backing up Michael Moore's "Stupid White Men" title.
Some places don't even CARE about bar PR anymore. Hell, having bad PR scores them kudos from their peer group at the country club.
TBF
(32,067 posts)this is what happens when unions are decimated.
Initech
(100,081 posts)e-cigdub
(40 posts)and this is coming from someone who owns a business and pays his employees 10 dollars an hour. that anyone in this country making less then 15 thousand a year should not pay ANY TAXES.. for god sakes let them keep the 15k they made.
d_legendary1
(2,586 posts)If you include those then you're looking at something less than minimum wage.
http://www.denverpost.com/editorials/ci_27612748/pay-cards-need-fee-protections
Binkie The Clown
(7,911 posts)The difference is, I'm retired, I have medicare, I own my home free and clear, I have no debts, I have no dependents, I have a free senior citizen bus pass to city buses, and I live quite comfortably on that income. Even with my frugal lifestyle I'd be in dire straights if I had to pay rent or mortgage, car payments, gasoline, etc. Throw in a kid or two and your pretty much looking at the ragged edge of bare survival.
madamesilverspurs
(15,805 posts)nets TWICE my annual Social Security check. No two months are the same, it's a continuous juggling act, trying to figure out which shoe will drop next, trying to stay ready. There's never enough, there are no savings, and any opportunity to contribute to savings stopped decades ago. According to Republicans, that makes me a moocher. According to Republicans (and some here) I should have been smarter, should have tried harder, shouldn't have allowed the circumstances that led to disability -- people in my circumstances get "should" on with sickening frequency. And the same, sadly, can be said for far too many who toil for the near non-existence provided by minimum wage. American 'exceptionalism', it turns out, includes no reliable measure of kindness.
Fumesucker
(45,851 posts)Good one.
daleanime
(17,796 posts)from McDonalds.
Alkene
(752 posts)And McDonald's, or fast food in general, isn't the only arena for these conditions of low pay, low hours, no benefits and irregular scheduling.
As an "older" worker, minimum wage service and retail jobs is all I'm considered worthy to do- despite education and experience. I guess a biological research career was a poor choice, given the vicissitudes of grant funding.
So much for retirement.
LynneSin
(95,337 posts)I worked full time as a waitress and yes, we only got paid $2.15/hour.
But I worked my butt off to ensure my customers had a great dining experience. I knew making 15% on a dining bill was not going to be enough for me to survive especially since at the end of the night I also had to tip out bartenders and food runners, which took anywhere from 2-5% of each tab leaving me at 12%.
On bad nights I took home that 12% - there weren't that many of them. I usually was good enough to get 18-20% after my tips were paid out to others at the restaurant. My yearly salary working as a restaurant was well over the minimum wage at the time (which was $5.25), for me I was making $12-$15/hour easily.
So I ask all of you this. Why would any waiter want to make minimum wage? That $2/hour - that covered the cost of my health benefits (yes I had them - I worked at corporate restaurant chain for that reason alone!) And honestly people working for minimum wage in food industry - no incentive for giving better service. At a restaurant - plenty of incentive.
Fumesucker
(45,851 posts)Tipping the clerk at the convenience store would ensure you get good service, tipping the cable guy would ensure your signal is nice and strong, tipping your nurse at the hospital would ensure you get your needs properly taken care of while you are more or less helpless and so on all through society.
Don't get me wrong, I appreciate how difficult and wearying a job waiting tables can be and I've certainly helped roll up enough change from tips to have a good idea how important tips are to the person getting them. But why is it that tipping works for certain jobs and for others employees are just expected to do the job without the added inducement paid directly by the customer?
philosslayer
(3,076 posts)She works as a waitress at a fairly low end restaurant. I.e, you can have dinner for about $8. She averages about $15 an hour including tips.
Violet_Crumble
(35,961 posts)We don't tip where I live, but the minimum wage for hospitality workers is very different than in the US. I just checked the Award, and the minimum wage is $17.35, working evenings is $19.32, Saturdays $21.69, Sundays $30.37 and public holidays is $43.38.
http://www.fairwork.gov.au/ArticleDocuments/836/hospitality-industry-general-award-2010-ma000009-pay-guide.pdf.aspx
And I just read in this thread that low income earners pay tax. That's appalling, imo. Where I am there's a sliding scale and if someone earns under $18k a year they don't pay tax.
http://www.ato.gov.au/individuals/income-and-deductions/how-much-income-tax-you-pay/individual-income-tax-rates/
That's how it should be in the US instead of employers and the government leaning on the generosity of customers (tipping isn't mandatory, right?) to cover their unwillingness to pay a wage people can live on. Someone was telling me that eating out in the US is cheaper than here, and I suspect it's the difference in wages that explain that, but I'd rather eat a more expensive meal knowing the waiting staff are being paid a reasonable wage than have a cheap meal served by staff who are being paid a pittance...
LynneSin
(95,337 posts)I know with bartenders they could pull in $20-$30 an hour. And the money I made was actually low because I did work at a corporate chain restaurant. Privately owned restaurants it would be easy to make that $20/hr or more.
And in the end you are taking away a major incentive been a sit-down dining experience and take-out. That tip does make you work harder. Why would a person work harder if they knew they were going to get paid the same no matter what?
father founding
(619 posts)See http://www.chicagobusiness.com/article/20130412/NEWS07/130419935/mcdonalds-ceo-thompsons-pay-triples-to-13-75-million, to gain perspective on this atrocity.
Enthusiast
(50,983 posts)So there.
NashuaDW
(90 posts)The employee is making $8.75 an hour. That is neither good or bad.
Things aren't that black and white.
If he is a good employee (works hard, is on time, does the job well) he may get a pay raise.
If he/she believes he is underpaid -- he/she should look for a job that pays more.
My father used to say that everyone is either getting what they are worth or what they settled for.
While I feel for the guy ... moving up the ladder and making more money has to be something he wants and is willing to pursue.
If he stays there and continues to make $8.75 - he's either settling for that or that is all his labor/skills are worth.
haele
(12,660 posts)And you paid an employee a sufficient percentage of the revenue that the employee's work got the company. There was also not a significant difference between executive pay and worker's pay.
And there were also a lot of jobs available that paid reasonable wages - when a casher or a service station attendant could afford to rent a small apartment and have regular meals, and occasionally go out for entertainment on their pay.
Minimum wage can't do that now. And you've got on average 100 people competing for every job, with people who are looking for work constantly putting out resumes that are rejected. It's an employer's "market", so there's no incentive to actually set wages high enough to attract good workers - far easier to pay low wages to people who are so desperate for work, they'll take anything relatively stable and pocket the profits. I've watched wages for even skilled labor and professionals plummet when compared to the cost of living over the past 20 years while corporate profits and productivity increased. It's not how good you work, or if you're settling for too little to start on, it's that employers can always get someone who will work for less if they wait long enough, so if you want a job, you take what you can get and hope you can get a raise as you move up the ladder.
Here's example from my city:
In 1996, a full time Cashier at Safeway (union) could make on average $10 an hour with benefits, Journeymen Welders started at $13 an hour, and a C++ certified IT tech started at $15 an hour. Certified Engineers started at around $80K a year, and would generally make $120K a year by the time they had 5 years of experience in the field. About half worked "independent contract/consulting", the rest were on staff with their companies. Full-time Public School Teachers started at $32K a year, and at least half the supplies could be provided by the school district.
Rent on a 1 bedroom apartment could be found for $500 a month, gas was $1.50 a gallon, and $20 of groceries could last the average person one week, and you could still hit the 7-11 for a cup of coffee and a doughnut every morning on your to work.
Average competition for these positions - 3 to 1. There were an average of three applications for each job.
Today, a full-time Cashier at Albertsons (union) makes on average $10.75 an hour with reduced benefits, Journeymen Welders start at $12 an hour, and C++ certified IT techs still start at $15 an hour. Certified Engineers start at around $60K a year, and generally make around $100K by the time they have 5 years experience, unless they get a patent approved or some other additional income. Staff positions for engineers are declining in numbers; most are now consultants or are working under some sort of contract; over the past 20 years, at least 25% of engineering staff positions have been replaced either by temps/consultants, H1Bs or technological advances, further squeezing the number of positions available to compete for. Full-Time Teachers start around $42K a year, but they now have to provide most of their own supplies for the entire year for their classes, costing them on average up to $1000 every class they teach.
Rent on a 1 bedroom apartment can be found for around $1000, gas is averaging $3.45 a gallon, and $50 of groceries could last the average person one week.
Average competition for these position - anywhere from 10 to 30 to 1. After HR gets through the applications, there are still between ten to thirty applicants for each job.
So it is getting more and more difficult to find and keep work if you don't already have money to fall back on or if you aren't so specialized that your industry can't do without you.
There's two things most laymen or internet "experts" who haven't studied macro-economics don't seem to take into account when they talk about:
Less workers needed = lower wages for new employees.
Higher income gap between worker and employer indicates that there's a lot of money that isn't being circulated enough and the system economy is seriously out of balance. Capitalism can't be sustained in this type of system, economy will crash and the actors in that economy revert to a more feudal/strongman system until a mercantile class can be resurrected and a balance of trade between capital functions (wealth production and compensation of labor) can be restored.
Look, as for the argument that "a good employee will get recognized and promoted" - in retail, the only way to get a raise is to go into management or to belong to a union that will put in a contract when an employee is eligible for a raise, what they have to do to become eligible and protect the right for to ask for a raise. I've known too many young retail workers get fired soon after just asking when they came up for their review.
As my father always said, there's only so many management jobs and executive jobs around; everyone else has to work and depend on how many beans the bean-counters are willing to dispense.
My father also supported a family of four and put himself through a full schedule at U.C. Berkley working as a gas station attendant and part-time mechanic's helper on weekends and evenings in the 1960's, while my mom worked as a part-time minimum wage help at a library. I think between them, they made around $6000 to $7000 back in 1965. and from what I remember, we didn't notice it at all - still were able keep a decent late model car, go down to LA once a year on a holiday "Grandparents" visit, go camping in Yosemite for two weeks in the summer, and we never worried about food or clothes, still went out and saw movies and concerts, and ate out once in a while. When I broke my arm badly (a finger also nearly got torn off) that summer, it didn't cost an arm and a leg to fix me up as my Mom occasionally reminds me when we bitch about medical costs now-days.
Granted, there was subsidized student family housing (an old Korean-era army barracks facility that were turned into apartments) available until my parents re-grouped the financial resources spent moving to Berkley from L.A., my broken arm and my brother's birth. After Mom got a promotion to full-time (after my brother was born), we could move into a nice rental house with a backyard, and we did live frugally - shopping at bargain and thrift stores, and doing home crafting (like sewing, basic carpentry, or canning) to fix up furnishing; but we were not "poor".
My parents worked hard and one thing I remember about the 1960's, 1970's and 1980's -
1) there always seemed to be jobs that paid at least a living wage available if needed, and my parents always seemed to be able to afford to move to find better jobs (no thanks to then-Gov. Reagan, who slashed the state education budget...) to get to the position they could eventually buy a nice house, and
2) my parents were always compensated according to how much value they gave their employers; they often got raises and promotions that allowed us to move into better housing and better neighborhoods. We did pretty well through the whole time I was growing up.
I don't see that happening now-a-days, and if you do, where is it so that most of us can move there?
Haele
Scootaloo
(25,699 posts)Interesting concept. Do you think that this formula is given fair evaluation, or is someone's thumb on the scale? Remember, the goal of a business owner is to turn as large a profit for themselves as possible, and so it is in their interest to artificially devalue the worth of their employees.
Despite your attempted sale of libertarian economics, there actually is no parity in "wage negotiations" between an individual worker and an employer. The worker can accept what is offered, or accept nothing at all.
This is why unions are important - workers as an organized collective bring parity to the situation and take the thumb off of that scale.
BubbaFett
(361 posts)More than 30 years ago.
High school students and senior citizens (retirees maybe?) made up the majority of the staff.
I wonder why people expect to support themselves as a functional adult on fast food wages.
It's amazing how things have changed so much in such a short period of time.
Scootaloo
(25,699 posts)There are people with good degrees making your french fries. You think they're there becuase they're lazy?
BubbaFett
(361 posts)Actually, the harder someone works, the less successful they often are.
How many people do you know with good degrees do you know that work in fast food or are you just being bombastic?
Are you itching for a fight or something?
Settle down Clancy.
Scootaloo
(25,699 posts)It's not needed when the point has already been made.
You're right. hard work is not a measure of success. Think about that for as long as you need. let it percolate through whatever convolutions needed for you to distill the statement down to the core problem at its center.
And also, you're right. A "functional" adult cannot sustain themselves on a minimum-wage job. sadly, these are often the only jobs that are available.
What I wonder is how you see these two facts, and maintain that smugness. Are you sure you're in the right neighborhood?
BubbaFett
(361 posts)you seem to be able to make valid points, but why can't you stick to talking about ideas instead of insulting people?
With that, I will leave you with your nasty little life.
Scootaloo
(25,699 posts)niyad
(113,347 posts)like him defines "living"
ND-Dem
(4,571 posts)Shoulders of Giants
(370 posts)You have no kids
You have no debt
You have no mortgage - rent payment
you have no car payment
You have no medical bills and don't get sick.
You don't have disabled or elderly family members to support.
My guess is most people have at least 1 of those though.