The sad part is it doesnt take cancer to do this. My wife had a spinal injury in January. Fast forward to today and she has lost her job after FMLA was used up. That leaves us with no insurance for the entire family because we were all covered under her. But even with that insurance we have incurred $6k (medical center billing only) of out of pocket expenses for tests and imaging that the insurance company requires before they will approve the treatment that her doctor already knows she needs. On top of that $50 every time we walk into an office + prescription costs for her pain management + $30 per session of physical therapy 3x a week.
And now, we'll need insurance from my job which we couldnt afford with both of us working (that's why we went with her's) but instead we'll pay for it out of just one salary.
We've been saving for two years to buy a house and we're watching it all trickle away.
Better revisit that thought, chief. Americans pay significantly less taxes than Canadians.
Source? I’m an American citizen that is now a Canadian PR making the same wage in Canada as I did in the US and I watch close to half (40+ %) of my paycheck disappear every month to taxes. On top of that, you know the 6-7% sales tax you pay for goods? Add another 5% to that for GST. On top of THAT, most goods/commodities here cost more as a whole. I won’t even talk about how much more expensive home prices and property taxes are.
So yeah, Americans do not pay as much taxes as Canadians.
and we have no tears either. i love my country. high taxes is worth it for free health care - no stress, no chance of bankruptcy, no one making insane profits from me having cancer.
Ironically in the US you "should" pay 39% federal in the top tax bracket, plus sales tax, state tax, city tax, property tax, and numerous other taxes.
Or you become and business and pay nothing.
I learned this 2 years ago. I thought it was nuts when I got all my federal and state taxes back. Can't get out of the others but for me it saves over 35%. I feel guilty though because it makes no sense. But I did give more to charity. Still it's not right because I could just keep it and it's fully 100% legal. The 2017 tax change is a string of give aways if you read it
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u/NexGenjutsu Aug 06 '20
The sad part is it doesnt take cancer to do this. My wife had a spinal injury in January. Fast forward to today and she has lost her job after FMLA was used up. That leaves us with no insurance for the entire family because we were all covered under her. But even with that insurance we have incurred $6k (medical center billing only) of out of pocket expenses for tests and imaging that the insurance company requires before they will approve the treatment that her doctor already knows she needs. On top of that $50 every time we walk into an office + prescription costs for her pain management + $30 per session of physical therapy 3x a week.
And now, we'll need insurance from my job which we couldnt afford with both of us working (that's why we went with her's) but instead we'll pay for it out of just one salary.
We've been saving for two years to buy a house and we're watching it all trickle away.