Meet the Other Phone. Child-safe in minutes.

Meet the Other Phone.
Child-safe in minutes.

Buy now

Please or to access all these features

Chat

Join the discussion and chat with other Mumsnetters about everyday life, relationships and parenting.

“100k isn’t a big salary”

588 replies

cadburyegg · 28/06/2025 13:28

I’ve just logged onto instagram and YET AGAIN a post comes up headed “100k isn’t a big salary, here’s why”. I’m so sick of seeing it. Most of us earn nowhere near 100k. I don’t spend my time moaning on instagram about how hard done by I am and there aren’t news articles about it. I don’t even feel like I AM hard done by. I feel lucky to be earning less than half that and to have a reasonable flexible job. I’m not going to the press saying poor me poor me because I don’t feel sorry for myself. Yet there seems to be shitloads of “awareness” posts about how shit it is for high earners and how it’s so sad they don’t have free childcare. I know people can have high expenses and I know it’s all relative and I’m probably overreacting but I seriously do not care anymore. It doesn’t mean the salary isn’t high. I’m so sick of seeing these out of touch posts. 🤯

OP posts:
Thread gallery
5
DipsyDee · 28/06/2025 20:22

Nothankyov · 28/06/2025 20:18

@cadburyegg A couple of things I would say to your OP.

  1. You must be stopping by them (enough to read them)and that’s why you keep getting them
2.There are people who believe that 100k isn’t that much (I am one of them - circumstances dependent). I understand that you feel like it might be but some people just don’t. Now I can’t speak to the intention of the post but it could a few things. It could be that people have worked hard to get there and they are disappointed with how their salary doesn’t stretch as far as they thought. It is well known that 100k in our parents generation (boomers) doesn’t govern you the same quality of life now. Just because you don’t relate it doesn’t mean that there aren’t people who do. And also I don’t subscribe by the attitude that people who earn more than me can’t complain about their life. People are entitled to their feelings and their view of the situation. We also don’t known expenses. Maybe they are taking care of elderly parents, or disabled family members which always requires more money. Just scroll past it and don’t think about it. Those posts will appeal to some people and that’s ok.

Perfectly put

CaptainMyCaptain · 28/06/2025 20:22

Zombiefluff · 28/06/2025 20:15

Of course they do, but there is huge difference in housing costs based on when you bought or which area of the country you live in.
Not sure why you’re taking such an issue with that?
If you are buying now your mortgage if often 5 times that of someone in the same property type on the same street due to inflation and interest rises during the last few years.
Younger people aren’t all paying huge mortgages because they have bought huge properties, they are incurring huge mortgage costs for the same little terrace most people bought for 1/3 or less of the price.

I haven't said that at all. I pointed out earlier that a teacher at the top of main scale and UPS in London gets around £50k. I didn't bring age into it. That teacher (four years at university with loans to pay etc) has to manage on half what the £100k earner the same age has. Nothing you have said makes any difference to that. For teacher you could say NHS worker, social worker and many other essential graduate jobs. Just accept that the person with £100k has more money.

TizerorFizz · 28/06/2025 20:23

@DrCoconut No I don’t! What a load of rubbish! Why do you think better off people spend all their time thinking about when others have a pizza! I don’t care other than I would hope dc had a healthy diet I between the pizzas.

Cottagecheeseisnotcheese · 28/06/2025 20:27

I have earned 100K in the past it is a lot of money I have now paid of my mortgage and live comfortably on a third of that because I chose to drop income for more free time, having paid into my pension I am fortunate to be able to do that. My sister lived and worked in London for years she has since moved on but her job would now be about 70K

no-one is saying 100k pays for private education or 3 cruises a year or a ferrari each or wining and dining every night, We know it is not footballers salary where some seem to get that per week

we are saying its a good salary it is top 2% of salaries and top 7% in london and southeast so objectively it is a good salary even for the capital

no-one is disputing that some people may have very large bills in London and consequently fel they do not have as much spare cash,

also a headteacher on 100K in London will have less discretionary spending than the headteacher in Hull on 93K ( despite the London weighting)

neither is anyone saying that 100K doesn't go a lot further in some areas than others,

where I currently live a decent 3 bed house in nice area is about 300- 350K a (similar house in Croydon or Redhill would be 600-650K) and the local private school day fees are approx £19000 including VAT so if you had just 1 child you could probably afford private school whereas in Redhill you could not

I'm in Scotland so take home on 100K is less than England it is approx 65K or 5400 per month
in our area mortgage on 350,000 house with 300k mortgage for 25 years
mortgage 1600
council tax band F plus water plus sewerage 316 ( this are combined in Scotland)
obviouly leaves you with 3400 for food bills utilities transport etc

you would not have 3400 left in London / Surrey after mortgage for similar house but that doesn't mean that 100K is average for Redhill it is still a good salary and double the median so even in London and Surrey the vast majority of people (93%) you see on the street will have less than you

HazeyjaneIII · 28/06/2025 20:28

Nothankyov · 28/06/2025 20:18

@cadburyegg A couple of things I would say to your OP.

  1. You must be stopping by them (enough to read them)and that’s why you keep getting them
2.There are people who believe that 100k isn’t that much (I am one of them - circumstances dependent). I understand that you feel like it might be but some people just don’t. Now I can’t speak to the intention of the post but it could a few things. It could be that people have worked hard to get there and they are disappointed with how their salary doesn’t stretch as far as they thought. It is well known that 100k in our parents generation (boomers) doesn’t govern you the same quality of life now. Just because you don’t relate it doesn’t mean that there aren’t people who do. And also I don’t subscribe by the attitude that people who earn more than me can’t complain about their life. People are entitled to their feelings and their view of the situation. We also don’t known expenses. Maybe they are taking care of elderly parents, or disabled family members which always requires more money. Just scroll past it and don’t think about it. Those posts will appeal to some people and that’s ok.

Well of course there will be people who believe that it's not that much, and people who feel like it's not... but it is definitely 100% a bigger salary than 95% of the country.
And of course people are entitled to feel like it's not much or, for whom, it feels like less because of the circumstances of their lives... but there will also be people in the same circumstances earning less than half that amount, who may feel a slight eyeroll when they see posts where people complain about £100k nor being that much.

bythefireplace · 28/06/2025 20:28

always confused when people say their salary is 100k and then start listing council tax, gas, electric etc as stuff they have to pay
I also have to pay that on min wage by myself, we don’t get it free!

Zombiefluff · 28/06/2025 20:30

CaptainMyCaptain · 28/06/2025 20:22

I haven't said that at all. I pointed out earlier that a teacher at the top of main scale and UPS in London gets around £50k. I didn't bring age into it. That teacher (four years at university with loans to pay etc) has to manage on half what the £100k earner the same age has. Nothing you have said makes any difference to that. For teacher you could say NHS worker, social worker and many other essential graduate jobs. Just accept that the person with £100k has more money.

“Just accept that the person with £100k has more money.”
But in many circumstances they don’t.
Unsurprisingly most posters on mumsnet have children and the people with young children have a much more realistic understanding of the costs associated with that these days.
Someone going through the preschool years with children on 100k is very likely worse off than the worker on 50k who gets child benefit every four weeks topping up their income and then free nursery hours often to tune of 10s of thousands a year that the 100k income doesn’t receive.

DipsyDee · 28/06/2025 20:30

Cottagecheeseisnotcheese · 28/06/2025 20:27

I have earned 100K in the past it is a lot of money I have now paid of my mortgage and live comfortably on a third of that because I chose to drop income for more free time, having paid into my pension I am fortunate to be able to do that. My sister lived and worked in London for years she has since moved on but her job would now be about 70K

no-one is saying 100k pays for private education or 3 cruises a year or a ferrari each or wining and dining every night, We know it is not footballers salary where some seem to get that per week

we are saying its a good salary it is top 2% of salaries and top 7% in london and southeast so objectively it is a good salary even for the capital

no-one is disputing that some people may have very large bills in London and consequently fel they do not have as much spare cash,

also a headteacher on 100K in London will have less discretionary spending than the headteacher in Hull on 93K ( despite the London weighting)

neither is anyone saying that 100K doesn't go a lot further in some areas than others,

where I currently live a decent 3 bed house in nice area is about 300- 350K a (similar house in Croydon or Redhill would be 600-650K) and the local private school day fees are approx £19000 including VAT so if you had just 1 child you could probably afford private school whereas in Redhill you could not

I'm in Scotland so take home on 100K is less than England it is approx 65K or 5400 per month
in our area mortgage on 350,000 house with 300k mortgage for 25 years
mortgage 1600
council tax band F plus water plus sewerage 316 ( this are combined in Scotland)
obviouly leaves you with 3400 for food bills utilities transport etc

you would not have 3400 left in London / Surrey after mortgage for similar house but that doesn't mean that 100K is average for Redhill it is still a good salary and double the median so even in London and Surrey the vast majority of people (93%) you see on the street will have less than you

Actually people have said it does pay for private education on this thread

DipsyDee · 28/06/2025 20:31

bythefireplace · 28/06/2025 20:28

always confused when people say their salary is 100k and then start listing council tax, gas, electric etc as stuff they have to pay
I also have to pay that on min wage by myself, we don’t get it free!

I’m not sure anyone would say this.

AguNwaanyi · 28/06/2025 20:32

theunbreakablecleopatrajones · 28/06/2025 20:15

No we’re not exhausting, we’re making the point that those parents are not paying for 2-3sets of school fees (nice reduction from 4 there) on a combined salary of £100k - they are using some other source of income.

Just admit you were wrong, rather than going on a silly attack, or go do something else.

Just admit you can’t read because I didn’t say anything about a combined salary of £100k

bythefireplace · 28/06/2025 20:34

DipsyDee · 28/06/2025 20:31

I’m not sure anyone would say this.

People are listing it on this thread further up as examples of bills and why 100k doesn’t go far enough

CaptainMyCaptain · 28/06/2025 20:34

Zombiefluff · 28/06/2025 20:30

“Just accept that the person with £100k has more money.”
But in many circumstances they don’t.
Unsurprisingly most posters on mumsnet have children and the people with young children have a much more realistic understanding of the costs associated with that these days.
Someone going through the preschool years with children on 100k is very likely worse off than the worker on 50k who gets child benefit every four weeks topping up their income and then free nursery hours often to tune of 10s of thousands a year that the 100k income doesn’t receive.

So you think people on low incomes are better off than people on £100k. Rightio.

I give up. There is no hope.

theunbreakablecleopatrajones · 28/06/2025 20:36

Zombiefluff · 28/06/2025 20:08

But two 100k incomes can’t afford that level of spending either?
So it’s pretty disingenuous to say you know several people on 100k incomes sending 4 children to private school if actually it’s another much higher earner making that possible

The maths doesn’t remotely add up, she knows that, but rather than say OK or just going away, she’s digging herself into and endless hole.

DipsyDee · 28/06/2025 20:37

bythefireplace · 28/06/2025 20:34

People are listing it on this thread further up as examples of bills and why 100k doesn’t go far enough

Well maybe it doesn’t. You have no idea of people’s circumstances or where the live and what bills the have.

Nothankyov · 28/06/2025 20:38

HazeyjaneIII · 28/06/2025 20:28

Well of course there will be people who believe that it's not that much, and people who feel like it's not... but it is definitely 100% a bigger salary than 95% of the country.
And of course people are entitled to feel like it's not much or, for whom, it feels like less because of the circumstances of their lives... but there will also be people in the same circumstances earning less than half that amount, who may feel a slight eyeroll when they see posts where people complain about £100k nor being that much.

Of course. But if we think like that we will spend our life eye rolling to one thing or another. Which of course you can - but I like to just look at my own navel and feel lucky for what I have and not compare myself to my neighbours because comparison is the stealer of joy - or whatever the saying (I suck at sayings so might be wrong 😑). I scroll past what I don’t like and don’t give it much thought. But then that could be because my brain is occupied by overthinking everything else in my life that is going on. And again just because someone is in the same circumstances with less money doesn’t make the person who has more money problems less valid to them. Maybe they are less resilient - again we don’t know. One person is not less than other is my point.

theunbreakablecleopatrajones · 28/06/2025 20:38

AguNwaanyi · 28/06/2025 20:32

Just admit you can’t read because I didn’t say anything about a combined salary of £100k

Edited

Oh I see, now we’ve reduced the children from 4 to 2, and increased the salary from 100k to 200k. I think the creation of exhaustion is all yours, my love.

TizerorFizz · 28/06/2025 20:40

@Cottagecheeseisnotcheese Where’s a £350,000 house in London? Other than way out in the suburbs? It’s not comparing like with like. Obviously £100,000 goes a long way in Lincolnshire. If you are buying a fairly ordinary flat with good transport links in London itself, £350,000 won’t get you much either.

Zombiefluff · 28/06/2025 20:42

CaptainMyCaptain · 28/06/2025 20:34

So you think people on low incomes are better off than people on £100k. Rightio.

I give up. There is no hope.

Is two 50k salaries classed as a low income to you?

CaptainMyCaptain · 28/06/2025 20:44

Zombiefluff · 28/06/2025 20:42

Is two 50k salaries classed as a low income to you?

I'm talking about one income. £100k is more than £50k.

Miyagi99 · 28/06/2025 20:45

Zombiefluff · 28/06/2025 20:42

Is two 50k salaries classed as a low income to you?

No, because the average household income is less than £40, household.

Papyrophile · 28/06/2025 20:45

Sometimes, I am glad to be older and past all these decisions.

Of course, there is now a different set of choices to be made. Where am I, likely to be a widow within a few years, going to want to live alone?

AguNwaanyi · 28/06/2025 20:45

Zombiefluff · 28/06/2025 20:30

“Just accept that the person with £100k has more money.”
But in many circumstances they don’t.
Unsurprisingly most posters on mumsnet have children and the people with young children have a much more realistic understanding of the costs associated with that these days.
Someone going through the preschool years with children on 100k is very likely worse off than the worker on 50k who gets child benefit every four weeks topping up their income and then free nursery hours often to tune of 10s of thousands a year that the 100k income doesn’t receive.

Lol why on earth did I waste time going back and forth with you when this is your line of thinking? I hope you’re in that salary bracket and not wasting time kissing the asses of a segment of earners who clearly don’t share their spending secrets with you.

cupfinalchaos · 28/06/2025 20:47

Of course it’s a lot but I know we couldn’t live on that- however life has been easier for my generation, whereas I’d be delighted if my kids earned that.

AguNwaanyi · 28/06/2025 20:47

theunbreakablecleopatrajones · 28/06/2025 20:38

Oh I see, now we’ve reduced the children from 4 to 2, and increased the salary from 100k to 200k. I think the creation of exhaustion is all yours, my love.

Okay call the police to arrest me for the hyperbole and call it a day

DipsyDee · 28/06/2025 20:47

AguNwaanyi · 28/06/2025 20:45

Lol why on earth did I waste time going back and forth with you when this is your line of thinking? I hope you’re in that salary bracket and not wasting time kissing the asses of a segment of earners who clearly don’t share their spending secrets with you.

No need to take this line