---
title: 'Can We Do the Actual Math Now?'
source: 'https://youtube.com/watch?v=q612aW8C81o'
video_id: 'q612aW8C81o'
date: 2026-08-06
duration_sec: 116
---

# Can We Do the Actual Math Now?

> Source: [Can We Do the Actual Math Now?](https://youtube.com/watch?v=q612aW8C81o)

## Summary

The video analyzes whether a $100,000 annual salary is sufficient to support a family of six (two parents and four children) with a stay-at-home wife. The creator performs a detailed budget breakdown, covering housing, utilities, health insurance, transportation, and food, concluding that the income is insufficient for 'fun money'.

### Key Points

- **Initial claim and setup** [00:01] — The video starts by referencing a claim that $100,000 per year is enough for four kids with a stay-at-home wife, and the creator decides to test this with actual math.
- **Questioning kids' needs** [00:15] — The creator questions what kids actually need, suggesting formula, diapers, and basic clothing, but then proceeds to a comprehensive budget.
- **Take-home pay calculation** [00:27] — For a $100,000 salary, average take-home pay is about $70,000 per year, or $5,833 per month.
- **Housing costs** [00:39] — Using $2,000 per month for a mortgage, the creator notes that with today's rates, you'd need to buy a home at $310,000 or less, which is difficult since the national average is $420,000.
- **Utilities** [00:53] — Average utility bill for a family of four is $610 per month, but the creator uses this figure for a family of six to be generous.
- **Health insurance** [01:06] — Health insurance for a family of four averages $1,450 per month, and for a family of six, the creator estimates $1,800 per month.
- **Transportation** [01:19] — Average car payment is $540 per month per car, with 1.9 cars per household, totaling $1,020 per month. Gas adds $175, and car insurance $420, totaling $1,615 per month.
- **Food costs** [01:33] — Average grocery bill for a family of six is $1,800 per month, not including eating out.
- **Conclusion: negative balance** [01:48] — After these expenses, the budget is already negative by $2,000 per month, before considering household expenses, clothing, education, repairs, vacations, and retirement savings. Therefore, $100,000 is not enough for 'fun money'.

### Conclusion

The video concludes that a $100,000 salary is insufficient to support a family of six with a stay-at-home wife, as the budget is already negative by $2,000 per month after essential expenses.

## Transcript

per year to have four kids with a stay-at-home wife? $100,000. If you do grand a month, probably coming in, maybe five if you're high taxes in California, that's two grand a month. You got three grand a month to play with to cover
of fun money. >> With four kids? >> What do kids actually need? Maybe formula, diapers, and basic clothing. We >> Okay. Can we
do the actual math now? For a salary of $100,000, the average take home pay is $100,000, the average take home pay is about $70,000 or $5,833 a month. For housing, we'll use his numbers, $2,000 a month for a mortgage,
which means with today's mortgage rates, you have to buy something at $310,000 or less, which is possible, but very difficult cuz the national average is $420,000. Average utility bill in the US is 610 bucks for a family of four.
of six here, but I'm going to be generous and just use 610. Health insurance for a family of four, even if you have employer assistance, averages $1,450 a month for a family of four. For a
family of six, I'm calling it 1,800. What about cars and transportation? The average American household has 1.9 cars and an average car payment of $540 per month. Put that together, that's $1,020
per month on your car. Add gas to that, which is $175 a month. Car insurance is another $420 a month. What about food? Average grocery bill for a family of six, $1,800 a month. That's just groceries, doesn't even
count eating out at all. Do I even need to keep going here because we're already at negative $2,000, and I haven't even started talking about household expenses, clothing, education costs, repairs to your home, vacations, saving
for retirement. So, on a hundred grand with four kids, no, I don't think you're with four kids, no, I don't think you're going to have any fun money.