I think nappy-doo's point is what happens when taxes, mortgage, health insurance, food, shopping, etc is NOT taken into account. If you make $100k but spend $15

I think nappy-doo's point is what happens when taxes, mortgage, health insurance, food, shopping, etc is NOT taken into account. If you make $100k but spend $150k you're in the red, doesn't matter how effusively you celebrate making $100k.