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Let me tell you: $325k/yr is not enough to manage a debilitating health condition that requires constant care. For a creator of her size, patreon takes 12% rig

Let me tell you: $325k/yr is not enough to manage a debilitating health condition that requires constant care. For a creator of her size, patreon takes 12% right off the top. ($39k) In addition, there is a transaction fee of 2.9% + $0.30. ($9.5k + $32.5k = $42k) Then you have to pay taxes. Self employment taxes on $283k are $26.5k. Federal/state/local income taxes are $82k. 189k of your earnings are GONE. So, you’re at $135k takehome. Not $325k, but not bad, right?! Well, maybe, except this does not include any of the benefits of a traditional job. No health insurance, dental, retirement, etc. Hopefully, they have good health insurance, otherwise they are probably already close to bankrupt. If you’re wondering whether $135k takehome can support a couple through a catastrophic health issue like this long term, I have the personal experience to say that it can’t. I won’t elaborate further, but maybe someone else can.

trogdor 4y ago
Even assuming that your figures are correct, I am not sure how you can conclude that $135k/year take-home is insufficient to support a couple through a catastrophic health issue. She is apparently in her 30s. Same with me. I pay for an excellent Marketplace health insurance policy. My premium, annualized, is around $6,500, and my annual out-of-pocket maximum is $8,000. That’s $14,500 a year. Double that to liberally cover two people, and you’re still under $30k/year. How is $135k/year inadequate?
- aflag 4y ago
  Also worth noting that before the video was released she had a little less than 1k patreons and wasn't releasing new videos. So, she's probably been going through her savings for the past 6 months or so. She's not getting better any time soon either. So, this 9k number will probably decrease a lot in the following months.
  - trogdor 4y ago
    I’m not sure how that is relevant. My comment was a rebuttal to someone who argued that $135k/year in take-home is insufficient to support a couple - any couple - through a catastrophic health issue.
    - aflag 4y ago
      This is in the context that she's already rich enough and doesn't need support. So, I was pointing out that, even if 137k per year is enough. It doesn't mean she quite get that really.
- mat_epice 4y ago
  Insurance is not the only health care expense. Her level of illness indicates need for round-the-clock supervision, which could be satisfied by a nursing home at $10k per month, which would allow her husband to work. That’s a pretty miserable existence, so home health aids are more common, which augment the time family spends caring for the sick person. That can easily cost $5k/month or more to just cover enough time to hold a job, go to school, or just sleep most nights without worry.
Brian_K_White 4y ago
"$325k/yr is not enough" ...and so definitely needs your charity more than people with only $25k/yr.
- mat_epice 4y ago
  That was never said.

trogdor 4y ago

Even assuming that your figures are correct, I am not sure how you can conclude that $135k/year take-home is insufficient to support a couple through a catastrophic health issue. She is apparently in her 30s. Same with me. I pay for an excellent Marketplace health insurance policy. My premium, annualized, is around $6,500, and my annual out-of-pocket maximum is $8,000. That’s $14,500 a year. Double that to liberally cover two people, and you’re still under $30k/year. How is $135k/year inadequate?

aflag 4y ago
Also worth noting that before the video was released she had a little less than 1k patreons and wasn't releasing new videos. So, she's probably been going through her savings for the past 6 months or so. She's not getting better any time soon either. So, this 9k number will probably decrease a lot in the following months.
- trogdor 4y ago
  I’m not sure how that is relevant. My comment was a rebuttal to someone who argued that $135k/year in take-home is insufficient to support a couple - any couple - through a catastrophic health issue.
  - aflag 4y ago
    This is in the context that she's already rich enough and doesn't need support. So, I was pointing out that, even if 137k per year is enough. It doesn't mean she quite get that really.
mat_epice 4y ago
Insurance is not the only health care expense. Her level of illness indicates need for round-the-clock supervision, which could be satisfied by a nursing home at $10k per month, which would allow her husband to work. That’s a pretty miserable existence, so home health aids are more common, which augment the time family spends caring for the sick person. That can easily cost $5k/month or more to just cover enough time to hold a job, go to school, or just sleep most nights without worry.

Brian_K_White 4y ago

"$325k/yr is not enough" ...and so definitely needs your charity more than people with only $25k/yr.

mat_epice 4y ago
That was never said.