8 ms·

I go out for lunch basically every day. Price: Within reason, who cares? I don't have a wife or kids or any obligations really. What good is a six figure salar

• grecy 9y ago
  > Price: Within reason, who cares? I don't have a wife or kids or any obligations really. What good is a six figure salary if I have to micromanage what I'm spending on food? This mentality always blows me away and I am genuinely curious. Has it not occurred to you that if you spend less, you can work less? (i.e. part time or retire sooner) I cut things like this out of my spending, now I work a couple of years then travel a couple of years, first time I drove to South America, now I'm driving around Africa.
  • iaabtpbtpnn 9y ago
    To be honest, I like my job, it brings me fulfillment in my life and I don't have a lot of other sources of that (as stated no wife/kids). I'm not really interested in restricting my lifestyle now to hasten my retirement, although I'm certainly not so stupid that I don't save for retirement. I just don't bother to minmax my finances. I find the type of travel you describe stressful. I also don't like the insecurity of part-time work. Maybe I'll feel differently later, but at age 31 that lifestyle is just not for me.
    • ice109 9y ago
      how much do you spend on food? I eat out every work day and I spend on average 5$ per meal. how much less could you possibly be spending per unit?
  • losteric 9y ago
    I translated food costs to my income per-day, after taxes/rent. The choices were: * 1 work day allocated to making/eating 20 personally made meals a month * 2 work days allocated to eating 20 professionally meals a month. Factoring in time, variety, and the fact that professional meals taste better than mine - yes, I absolutely eat out most days. I'll pinch pennies on bigger items like car insurance or rent, but food was simply a good cost-benefit trade off. YMMV; cost-benefit is subjective.
    • ThrustVectoring 9y ago
      Important point: you may or may not have any control of the number of paid work days you have. The time you save won't trade against the average value of your time, but the rate at which you can trade time for money at the margin. So if you save an hour and spend $30, you wind up behind in cash-flow if you can't monetize your extra time. And, uhh, most fixed-salary programmers don't have great options for spending an extra hour a week and winding up with more cash. In my opinion, eating out is definitely a luxury. If/when I get serious about saving more money, cooking my own meals is absolutely the first thing to do.
      • losteric 9y ago
        Saving money is not my point here... it's saving personal time. Every month I have surplus income, after expenditures/long-term savings, but never have I had surplus time. There are always more things to do! I am committed to ~160 work hours / month. Of that, I spend 10 work hours buying lunch - versus spending 2 work hours and 5 personal hours making my own lunch. Spending 8 work hours to buy 5 personal hours is worthwhile for me.
  • angersock 9y ago
    Theoretically, you can work less. Then again, it's hard to guarantee the market won't tank and hurt your savings, that taxes won't go up, that a minor healthcare crisis won't screw you over, etc. etc. The notion of "retirement" is a quaint one.
    • deleted 9y ago
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  • Merad 9y ago
    Unless you are eating $20-30 lunches every day, the difference really isn't that great. It really boils down to: spend money to save time, or spend time to save money? A typical week of lunches for me is one meal out with coworkers (~$15), three meals at the work cafeteria ($6-8, we'll assume $8), and one day WFH that we won't count. Average cost of $9.75 per meal, and no time invested. If I was taking my lunch, I'd probably be looking at $2-3 worth of food per day, and at least 15 min of prep time per day; more if you count extra time needed for grocery shopping and so on. I'm not pulling in a fat SV 6 figure salary, but even so my hourly rate is upwards of $40 per hour, so the meal prep time alone is equal to what I'm spending on lunch. Personally, I'd rather have the time than the money. YMMV.
    • hahamrfunnyguy 9y ago
      Even if you value your time at $40/hr doesn't mean you're going to GAIN any income for the time spent prepping food. Since I don't get a paid lunch break, I prefer to eat at my desk and work through lunch. This way I can leave an hour or so earlier each day. I figure I've been able to save an extra $25,000 since I started consistency bringing my lunch ten or so years ago.
  • vacri 9y ago
    $10/day for lunch x 240 working days is $2400. For someone on a high wage, that's nothing. It's certainly not make-or-break in terms of holidays. Plus you don't spend your own time preparing your own lunch, and you get to sample lots of different kinds of food (if you're in the right place). Also, self-made lunch isn't free. It's cheaper, but it's not 100% cheaper. The difference isn't between $10 and $0, but between $10 and, say, $4. A lot cheaper, but it lowers the 'saved' amount (at the cost of adding in shopping + preparing labour)
    • michaelt 9y ago
      $2400 a year is nothing? That's enough for two people to fly from Los Angeles to Paris, stay a week in a 4-star hotel, and fly back. Or to buy the highest spec Macbook Pro, every year, with change. In a year and a half, it's enough to buy a used BMW convertible.
      • deleted 9y ago
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      • pjc50 9y ago
        Yes, but what if I already have a BMW and don't have enough free holiday for the trip to Paris, but really want to relax for a bit rather than make my own lunch? Yes, buying lunch is a "luxury", but a small, daily one. Don't make me bring Orwell on food into this..
  • pjc50 9y ago
    Hmm. The cost of buying lunch to me is 2% of before tax salary or 3% of after tax salary. Assuming a 45-year career, that's over 300 days. But of course making your own sandwiches isn't free for ingredients, nor time. You're trading time in your "youth" for time in your old age. I do like the idea of going travelling, but you're not going to do it by cutting out lunch (unless it's something pricier like a proper sit-down lunch with waiters and drinks). Effectively you're moving your hedonism around so you can take it all in one go, rather than day-to-day.
  • xxSparkleSxx 9y ago
    I buy lunch most days and only eat 2 meals a day, my meals range from $6-11. I pay ~$50 for 5/14 meals a week. I'm happy with that. I also spend a grand total of 120/month on transportation costs (includes costs of car, maintenance, gas, and insurance). People have different priorities.
• kinkrtyavimoodh 9y ago
  > Calories: Diets don't work, so who cares? Umm, eating less than your caloric need makes you lose weight. Eating more makes you gain weight.
  • vacri 9y ago
    The world is full of people who were unable to maintain a diet. If you can't maintain a diet, then that diet doesn't work.
    • collyw 9y ago
      No, that means that you can't maintain a diet.
      • vacri 9y ago
        If something fails for lack of maintenance, it doesn't work. It's kind've self-evident.
        • pc86 9y ago
          The diet didn't fail. The person failed. There's a pretty big difference. If someone's diet plan consists of "don't each a cheesecake every week," and they continue doing that, you don't say "this no cheesecake thing is nonsense, that doesn't work!" You wonder why that person doesn't just stop eating the cheesecake.
          • vacri 9y ago
            Next you'll be telling me that the US won the Vietnam war. I mean, the politicians failed and the military failed, but the plan would have worked if they could have seen it through. Therefore the war worked.
        • upvotinglurker 9y ago
          So if my car fails because I never change the oil, cars don't work?
• mb_72 9y ago
  Interesting. I prefer to eat a home-made lunch at my desk or chilling outside with co-workers for 15-20m, then leave work 45m early. This reduces time wasted on commuting by avoiding peak hour and gets me home by around 4:30pm (after a 7:10am start). But everyone needs to find what works for them, and within the limits of their employer's tolerances.
• ClassyJacket 9y ago
  "Calories: Diets don't work, so who cares?" If you're implying that calorie restriction isn't an effective way of losing and controlling body fat then I'd like a source for this wild and absurd claim which counters absolutely mountains of evidence.
  • asciimo 9y ago
    I think they're saying "diets" don't work. It's true. Take all the diet attempts and divide by successes. Even counting calories fails if you don't count them.
• rglullis 9y ago
  Anecdata, but since I started bringing lunch to work I lost 9kg (~20lb) and that has been the only change in my regime. It does make a difference in the quality of the food you get if it is home-made vs restaurant/snack bar/cafeteria, even in Germany where the meals are not ridiculously large as in the US.
• jlebrech 9y ago
  If you can't manage calories-in focus on calories-out.
  • pc86 9y ago
    You can manage calories in.
    • jlebrech 9y ago
      I think the best to do a bit of both and gradually increase the exercise or keep a better track of calories.