If it's gross pay which is likely then it's bullshit to me. You have to only count bill and spending cash then it drops to 1/2 . I've made around 20k tops every year my entire life and most of my coworkers make similar takehome so it's all lies to make us work harder since we think we are falling behind everyone else. I just make enough to get by on fulltime, I know for a fact if I work myself to hard it'll be gone with medical bills and other bullshit at retiremement age, and a house will be foreclosed so why buy one at all if taxes take it. When it comes to cash I'd rather enjoy my life then save for when I'm to old to enjoy anything in pain and alone so enjoy your youth since old is pain and poverty or people borrowing it all as fake friends/relatives.