Finluxy.com

Real numbers
for the good life.

We analyze what US households earning $150K+ actually spend — on homes, luxury cars, private schools, taxes, and wealth. Every figure is sourced from government and industry data. No opinions. No generic advice.

BLS Data
IRS & Federal Reserve
Zillow · Edmunds · NAIS
Updated 2025–2026

Why trust Finluxy
  • Data-first methodology
    Every statistic cites a named source. We flag when data is estimated or ranges across studies.
  • Primary sources, not aggregators
    We go directly to BLS, IRS, Federal Reserve, and peer-reviewed research — not third-party summaries or sponsored rankings.
  • Built for $150K+ households
    We cover decisions that matter at $150K, $300K, and $500K+ — where standard personal finance content no longer applies.
  • Informational only — not financial advice
    Always consult a qualified professional for your specific situation.
Luong Ngo — Founder of Finluxy.com
Luong Ngo — Founder & Lead Researcher
Data Analyst & Independent Researcher

Explore Research Categories

01
Luxury Spending
12 topics
  • Car ownership & total cost of ownership
  • Private aviation — charter vs. fractional
  • Watches, jewelry & resale value data
  • Fine dining annual spend by US city
  • Designer fashion & luxury travel costs

02
Affluent Living
12 topics
  • Private school costs by state (K–12)
  • Nanny vs. au pair vs. daycare math
  • Concierge medicine & premium healthcare
  • Household staff salary data by city
  • Fitness, wellness & personal security costs

03
Real Estate
11 topics
  • Cost of living on $200K: 5 cities compared
  • Second home true annual cost breakdown
  • HOA fees & upkeep in luxury properties
  • Buy vs. rent 2025 math for $150K+ earners
  • Property tax by state for luxury homes

04
Smart Spending
11 topics
  • Premium memberships — are they worth it?
  • Buy vs. lease luxury car: 3-year math
  • Amex Centurion vs. Chase Sapphire analysis
  • Cost per use framework for big purchases
  • Subscription audit for $150K+ households

05
Tax & Wealth
12 topics
  • Effective tax rate at $150K, $300K & $500K
  • No income tax states: real savings data
  • RSU vs. options vs. salary comparison
  • Estate planning & tax thresholds 2025
  • S-Corp vs. LLC vs. W-2 tax analysis

06
Income Reality
8 topics
  • Is $150K a good salary? City-by-city check
  • DINK household take-home breakdown
  • What doctors, lawyers & tech workers earn
  • Geographic arbitrage for remote high earners
  • What a $30K raise means after tax

07
Life & Money
8 topics
  • First home on $200K+: upfront cost breakdown
  • First-year cost of having a baby (high-income)
  • 529 plans & private college cost data
  • Startup exit: what founders actually keep
  • Retiring at 50: first-year financial reality

Latest Analyses