How to Thrive on $10 per Hour: A Manual

Dec 2017
How to Thrive on $10 per Hour: A Manual

Note, I will be applying absolutely provable laws & facts as strong as the Kinematic Equations from Physics--see below:

-One can easily find an apartment for $750 rent per month in a nice, safe area
-Electric bill between $20-$50 per month
-Internet only package for $50 a month (optional)
-Phone bill, service + unlimited data for $50
-Food for $60 per week, is $240 per month
-Miscellaneous for $100 a month

Then, taking the high end for each estimate, we arrive at a figure of $1250--note one could do with much less, say $1000 per month if necessary.

Now, 10x40x52=20,800. ==> 20,800/12=1,733.33

Before taxes, one would would be able to pay for necessities plus $500 surplus per month.

Now, factoring in taxes, 8.3x40x52=17,264. ==> 17,264/12=1,438.66

Therefore, an individual making $10/hr wage with taxes included, even in the absence of other benefits, will be able live a comfortable local lifestyle with bills payed, necessities met, and some pocket change for spending and/or saving. Further, one could up their hours to 50 or 60 per week, which still provides enough free time to read a book a week, train/exercise, engage in hobbies, etc., relax/sleep.

For 50 hrs: 8.3x50x52=21,580. Also, some money will be back awarded during tax season, say several hundred. Then, about $22,000 per year. Potential to save $7000 per year.

For 60 hrs: 8.3x60x52=25,896. Again, money will be back awarded, say several hundred again. Then, $26,300 per year. Potential to save $11,3000.

Thus, not only would one be able to survive, they can (a) attend Community college and/or 4 year College (b) save up to purchase their own home/land within a few years or so (c) spend excess money on trips, etc. as they please upon their own discretion.

Endnotes on bills:

-MetroPCS offers $30-50 a month phone bill as described ==>
-Verizon offers $50 a month internet only plan ==> Verizon Fios Internet, TV, Phone
-Dollar Tree & other dollar stores provide fruits, vegetables, fish, meat, oatmeal, bread, nuts, cleaning supplies, other household supplies, etc. for $1 each ==>
-One could find an apartment in that price & location range immediately online. Here is an example, I simply typed in Columbus, Ohio. Note, Columbus, Ohio is home to Ohio State University, which is $10,000 per year, and could also be attended on a $10/hr wage as described here and elsewhere. ==> {{$metaData.title}}
-Miscellaneous items including clothes, washer+dryer, etc. Walmart, Macy's, Outlets, Amazon, etc. etc. have plenty of nice, low priced/discounted clothes. Washer and dryer, say $20 a month. Library is free, which provides all necessary books, audiobooks, movies, newspaper, magazines, video games, etc. etc. Also, used book stores have all such items for extremely cheap as well, say $2-3 per used book/video/game. Here is one such branch ==> Better World Books US
Likes: Sabcat
Dec 2017
Additional items:

-$250 for UltraHD Big Screen TV ==> spons&keywords=50+inch+tv&psc=1

-$60 for an Xbox360, used games can be purchased for a dollar or so, or one can go to the public library for free rentals

-$200 for a comfortable sofa

-$200 for a comfortable bed

-$1-3 for used books, movies, magazines, games, etc. or one could use the public library for free

-$200 for 2 100lb dumbells, $50 more for a bench

-$100-200 for a punching bag

-$100 for a bicycle

-$100 for a telescope, microscope

-$1-10 for posters, decorations, etc.




etc. etc.

All of these items fit nicely inside of the budget provided.

Once a home has been purchased & paid off, along with furniture, luxury items (e.g. tv, video game consoles, training equipment, etc.), there is not much of need to spend on, with very low annual expenses. As such, one could not have to work much at all in order to support their comfortable lifestyle, in the absence of toxic consumerism. They could (a) work on & off years (b) work seasonally, and have the rest of the year off (c) maintain a part-time job of 10-20 hours per week constantly, providing mostly all free time.

I can provide a worked out manual for this project as well, if desired.
Last edited:
Dec 2017
Note--Conversation between me and another member on a separate forum concerning this topic:

Amarel: I have to argue on the grounds of cost of living. This isn’t feasible in a place like Seattle where prices take account of the $16 minimum wage making the cost of living substantially higher. However, if you live in low cost Podunk America it can be, and is often done. Even then it’s not exactly easy. It takes quite a bit of financial discipline to maintain a tight budget properly.



It is true that one could not live in NYC or LA on $10/hr, as cost of rent is exceedingly high, however the remedy to this problem is fairly simple & straight-forward--move.
One such location has been posted, that is what the majority of the country is like as well.
Also, in the age of automatic bill pay, direct deposit, and online banking, it is actually quite simple to maintain financial discipline. All of ones bills can be set up on auto-pay, as well as food & such can be pre-selected and put on auto-pay, and savings can be routed into a savings account past "x" amount per month also on auto-pilot. Actually, after the initial set up, one would not even need to look at their bank account, ever--unless their hours at work changed notably, which would alter the calculations, of course. However, if one had a steady 40/50/60 hr template set in stone, than the previous argument would hold strong.

Amarel: Even with auto-pay, you will find that most people who are organized enough to manage and maintain a tight budget are not likely to stay at $10/hour for terribly long. Those who do stay at that level will find such management more difficult.

xMathFanx: @Amarel
I agree, such an organized person would be much more likely to use it as a stepping stone, acquire training in order to land a job at a higher salary range which will allow them further savings, etc.
Though, I would argue, many people are struggling due to not planning it all out, and then executing as such. As such, providing manuals of the sort they display exactly what to do in order to thrive is an attempt to lend support from afar. Many people of which you described would actually be far better off if everything was on auto-pilot, and they continued showing up for work, not needing to worry about if they are going to be able to make rent or not, how to pay for food, will the lights go off today, etc. etc. Rather, they would know rent is paid for, pre-selected grocery list renews every month and will be waiting at the store for pick or even home delivery, lights stay on, money accumulates in the savings account as time passes--a notable amount of money, I would add--which will in a not-so-distant future allow them to purchase their own condo/townhouse or small plot of land to build on, after which it is all paid off, they will not have to remain a "wage-slave", as the Comrades like to put it, for the vast majority of their life.
This is the sort of topic that an honest media, schools, journalists, advisers, etc. should absolutely be reporting on in order to better peoples lives and country as a whole. Instead, we have The Ministry of Truth conjuring their witches brews, putting the poison in a vial, and pushing for public consumption.

Dec 2017
Amarel: “Wealth consists not in having great possessions, but in having few wants.” Epictetus

xMathFanx: @Amarel


True wealth does not come from money, but from progressively working on your own attributes. Money is simply one of various currencies, in this regard, and the most fleeting of them all.
For instance:
-Physical Strength
-Mental Strength
etc. etc.
In short, the road to self-mastery/self-actualization.
High levels of these such currencies is true wealth, in my eyes.

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