Even if you live in a relatively high paying state (I'm from NJ) your take home pay is only half of your gross income. It's insane that I "make" 62k but only take home around 33k. How are we supposed to live? I can barely live as a single person with no kids on a 62k salary. Are other jobs like this??? Between taxes, health insurance, union, pension, 403b, disability...wtf?? I'm thinking of ending my 403b and disability because retirement is 30 years away anyway and disability seems like a waste. Paying for the slight chance I get sick or injured. What do you all think? Just tired after 10 years of teaching and no money! If you go by the rule that your rent or mortgage shouldn't be more than 25% of take home, technically I'd only be able to "pay" 800...no mortgages exist for 800 ..not even any apartments for 800..unless I want to rent a room! Unbelievable. I think I'll just live w my parent forever lol.