You are 100% correct. But my point was that those aren’t reasonable estimates for people in Kollel or teaching. We don’t consider 6 phones, many of us have one unlimited and one pay as you go or prepaid. I assume utilities varies state to state but we pay $400 per month (our house is considerably smaller I assume). Those numbers aren’t unreasonable, but they aren’t realistic for the purchases and lifestyle we have chosen for ourselves. (I never know how my tone comes across in posts so let me add I am not arguing or even disagreeing, just giving a view from ‘my side of the fence’)
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