The way the cost of living is steadily on the rise, with no sign of salaries coinciding with those increases, there's no wonder many Americans are asking themselves, what does it truly mean to live comfortably? The truth is, a comfortable life can be different things depending on your priorities or where you are in life. For some, living comfortably could mean having lots of disposable income. For others, living comfortably could mean being debt-free, having a fully funded emergency fund, and owning a home.
Generally speaking, to live comfortably typically alludes to financial security. When you are financially secure, you can cover the obligations of essential expenses (50% of your income), tap into the pleasure of nonessential spending (30% of your income), and do those things while not sacrificing putting away at least 20% of your income for savings and investments (in other words, the 50/30/20 budgeting method). You can do this without the strain of living paycheck to paycheck, hence the "comfort" in "living comfortably."
Suffice it to say, income plays a significant role in anyone's ability to obtain financial security. And what is the magic number to live comfortably in 2024? According to a recent SmartAsset study, $96,500 is that number. Yes, you read that right. In order to sustain a comfortable living in a major U.S. city, a person's average salary has to be close to six figures. And that's just for single folks. For families with dependents (two parents and two kids), the study suggests a need for a combined income of $235,000.
In their study, SmartAsset compiled the pre-tax salaries needed to live a comfortable and sustainable life for 99 cities across the U.S. based on the 50/30/20 rule and the MIT Living Wage Calculator. Keep reading to learn what income is needed to live comfortably in 20 of those major cities featured on the list, ranked highest to lowest.
1.New York City
If you're single: $138,570
If you're a two-parent, two-child household: $318,406
2.Boston, Massachusetts
If you're single: $124,966
If you're a two-parent, two-child household: $319,738
3.San Francisco, California
If you're single: $119,558
If you're a two-parent, two-child household: $339,123
4.Seattle, Washington
If you're single:$119,392
If you're a two-parent, two-child household: $283,712
5.Oakland, California
If you're single: $118,768
If you're a two-parent, two-child household: $316,243
6.Atlanta, Georgia
If you're single:$107,453
If you're a two-parent, two-child household: $230,880
7.Charlotte, North Carolina
If you're single: $101,338
If you're a two-parent, two-child household: $235,123
8.Virginia Beach, Virginia
If you're single: $100,131
If you're a two-parent, two-child household: $226,886
9.Miami, Florida
If you're single: $100,922
If you're a two-parent, two-child household: $215,904
10.Orlando, Florida
If you're single:$100,298
If you're a two-parent, two-child household: $212,160
11.Washington, DC
If you're single: $99,424
If you're a two-parent, two-child household: $275,642
12.Chicago, Illinois
If you're single: $98,550
If you're a two-parent, two-child household: $241,280
13.Philadelphia, Pennsylvania
If you're single:$92,726
If you're a two-parent, two-child household: $231,379
14.St. Louis, Missouri
If you're single:$89,357
If you're a two-parent, two-child household: $231,379
15.Memphis, Tennessee
If you're single: $85,696
If you're a two-parent, two-child household: $194,106
16.Baltimore, Maryland
If you're single: $84,989
If you're a two-parent, two-child household: $218,733
17.Detroit, Michigan
If you're single: $84,947
If you're a two-parent, two-child household: $219,898
18.New Orleans, Louisiana
If you're single:$81,869
If you're a two-parent, two-child household: $191,942
19.Dallas, Texas
If you're single:$91,770
If you're a two-parent, two-child household: $208,000
20.Houston, Texas
If you're single: $75,088
If you're a two-parent, two-child household: $175,219
Learn how the above U.S. cities ranked among 99 and read the SmartAssets study in full here.
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Taurus Season officially begins on April 19, bringing some earth sign energy into the mix, grounding and nurturing what you are creating in your life right now. On April 27, we have a New Moon in Taurus, and this is an abundant and fruitful New Moon. This is one of the best New Moons of the year for you to set your intentions for your financial world and a time for seeing new opportunities for abundance. On the last day of the month, Venus moves into Aries until June 6th, and love requires a little more passion, independence, and excitement during this time.
Overall, April is a month of feeling things through, taking more intuitive risks, investing in yourself, and balancing your needs with the needs of your relationships.
Read for your sun and rising sign below to see what April has in store for you.
AriesKyra Jay for xoNecoleARIES
April is your month to shine, Aries. With the chaos of March now over, you are starting to see the progress of where life is and how everything has turned out even better than you were expecting. The month begins with the Sun in your 1st house of self, and you are feeling more confident, courageous, and in tune with yourself. With a Full Moon in your sister sign on April 12, relationships are also coming full circle for you now, and you are claiming your peace this month.
Mercury finally goes direct on April 7 and then enters your sign from April 16 to May 10, and this is going to clear up any miscommunications that you have been through. With Mercury now in your sign, your conversations are lively, your mind is inspiring, and you are thinking one step ahead. Before the month ends, Venus enters your sign from April 30 to June 6, and love is also moving forward for you now. Overall, this is a month where you are experiencing some happy outcomes and loyal support.
TaurusKyra Jay for xoNecoleTAURUS
April is a month of passion and purpose, Taurus. You are living in your abundance, and are focused on valuing yourself and the things you are bringing to fruition right now. Venus, your ruling planet, goes direct on March 12 after being retrograde in your financial house since March 1, and you are moving into the month experiencing more opportunities and also feeling more respected in what you are accumulating for yourself and standing your ground on.
Taurus Season officially begins on April 19, and it’s all about you right now. This Taurus Season is smoothing things out for you in love, with new relationship developments unfolding and life flourishing for you. The New Moon this month is in your sign on April 27, it’s time for a new beginning. You are truly embracing your strength in April, making things happen for yourself, and no longer doubting your future and what is possible for you.
GeminiKyra Jay for xoNecoleGEMINI
This month is all about the options becoming available to you now, Gemini. With your ruling planet Mercury going direct at the beginning of the month on April 7, you no longer feel as held back or out of place as you may have in the past weeks. With Mercury now direct, your thinking is clearer, and you are seeing the opportunities in your career and professional world that you may have missed before.
The more you can embrace your authenticity, the less time you will spend doubting how others perceive you, remember that this month.
On April 12, there is a Full Moon in Libra, highlighting the romance in your life and bringing forth understanding and compassion within your close relationships. You are letting go of old attachments or self-doubts that haven’t been serving your love life, and are growing closer to your own heart in the process. Before April comes to an end, Mars enters your 3rd house of communication, and you are overall leaving the month focused on your progress, your vision, and taking up space because you deserve to.
CancerKyra Jay for xoNecoleCANCER
This month is all about balancing your time and energy wisely, Cancer. You are being reminded not to overwork or overwhelm yourself in April, and to focus on doing the things that are within your control right now. The Sun is in your 10th house of career for most of the month so you are feeling really passionate about the things you are developing in your life right now, but it’s all about finding the right balance between your personal goals and your needs in your relationships as well.
The Full Moon in Libra on April 12 will be a time to devote your energy to self-care, close loved ones, and overall getting some time to decompress. You are ready to let go of the things that don’t make you feel safe or nurtured and are receiving an emotional renewal right now. The New Moon in Taurus at the end of the month is a time to focus on your intentions on your community, friendships, and aspirations in life, and to pay attention to where you can create more abundance here.
LeoKyra Jay for xoNecoleLEO
Things are turning around for you for the better, Leo. April is a dynamic month, and you are owning your inner alchemist. With a Full Moon in your 3rd house of communication on April 12, you are getting the messages you have been looking for and the mental clarity you have found is bringing closure to some of your close relationships. This month is about being flexible and trusting the changes that are happening for you right now.
On April 18, Mars enters your sign until June 17, and this is huge for you. You began the year with Mars retrograde in your sign, so you are getting the opportunity now, to rewrite some of the things that weren’t working for you at the beginning of the year. You are overcoming previous obstacles, and experiencing a breakthrough in your life this month. Before April ends, there is a New Moon in Taurus, highlighting your career, reputation, and professional life. This is a good New Moon to set your intentions for what goals you want to come to fruition for you now.
VirgoKyra Jay for xoNecoleVIRGO
This month is all about building new foundations in your life, Virgo. You are feeling more supported and in tune with your own inner needs and interests, and it’s bringing you closer to people and systems that resonate. Your ruling planet Mercury goes direct this month on April 7 after being retrograde for the past few weeks; bringing more clarity, understanding, and compassion to your partnerships in life. You are focused on love this month and are working together with others to make your dreams come true.
Mid-month, Mars moves into your 12th house of closure and endings, and there is a journey of healing that you experience until June 17. You are motivated to understand yourself better and are looking at the past more right now in order to do so. This is a month of recovering and healing from what has been, for new foundations to be built upon. The New Moon on April 27 is a beautiful way to end the month, as you are getting glimpses of a new, abundant, adventure that is ahead of you.
LibraKyra Jay for xoNecoleLIBRA
This is a big month of closure for you, Libra. The Sun is in your 7th house of love for most of April, and your heart is in the right place. With Venus, your ruling planet, going direct on April 12 after being retrograde since March 1, you are finally able to take a breath. You are not experiencing as many obstacles when it comes to communication matters and you are feeling like you have the tools you need to move forward right now.
The Full Moon of the month is in your sign on April 12, and you are ready to let go of what isn’t working for you. You have been through a lot recently and have gained the clarity you need to let go of old attachments. Venus moves into your house of love before the month ends, and you are leaving the month feeling more in tune with where things are moving forward for you, rather than what you are leaving behind. Your heart moves through a journey in April, and your emotions are showing you a lot.
ScorpioKyra Jay for xoNecoleSCORPIO
April is a month of success, progress, and dreams coming to fruition, Scorpio. You are focused on your health, your priorities, and creating space for the new beginnings that you are creating in your life right now. The Full Moon mid-month is a big closure moment for you, and you are owning the fact that you have healed and you are no longer the same person you were in the past. This is a month of stepping into your power and feeling supported in doing so.
Mid-month, Mars enters your 10th house of career and public life and you are shining within your purpose. Over the next month and a half, you are going to be gaining some new opportunities that will be serving your professional life and goals. This is the month to show up and to let your skills, talents, and authenticity shine. On April 17, there is a New Moon in your opposite sign, Taurus, and you are leaving the month with some pleasant surprises in store for you in love as well.
SagittariusKyra Jay for xoNecoleSAGITTARIUS
April is a new beginning for you, Sagittarius. You are focused on putting the action and effort behind your goals, and you are being proactive within the opportunities that you are looking for right now. With a Full Moon in your 11th house of aspirations mid-month, you are letting go of the way you thought things would play out for you and are owning a more abundant version of things.
On April 27, there is a New Moon in Taurus, which will be highlighting your health and what your body needs more of right now. This is a New Moon to set your intentions for your everyday life and to create a new, beneficial routine that will make things easier for you at the end of the day. Before the month ends, Venus enters your 9th house of adventure, and you are leaving the month with your sights set high. Travel plans are likely, and this is a good time to create some new plans for yourself.
CapricornKyra Jay for xoNecoleCAPRICORN
April is about putting one step in front of the other with patience and dedication and trusting the decisions you are making for yourself right now, Capricorn. The Sun is in your 4th house for most of the month, and you are yearning for your safe spaces, comfort foods, and loyal people. Giving yourself more time to decompress, take care of yourself, and ground your energy is essential this month.
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AquariusKyra Jay for xoNecoleAQUARIUS
April is about giving yourself time to process, accept, and gain a new perspective, Aquarius. You are being guided towards friendship, connection, and community, and are understanding what may be creating the discord in your life that has been distancing you from that. The Full Moon this month is happening in Libra on April 12, and you are ready to let go of feeling like you have to do it all at once or all alone. This month is a reminder to take your time with all the experiences you want to have, trusting that they will come to fruition for you.
Mars enters your house of love and partnership on April 18, and you enter a passionate and steamy time. Romance is in the air for you as you move through the month, and you are spending more of your time with those who you want to move forward with. Venus also moves into a relationship area of your chart before April ends, and you are surrounded by love and community. Overall, this month is showing you that you are not alone and you don’t have to go through the heavy stuff alone either.
PiscesKyra Jay for xoNecolePISCES
This is a month where your heart is shining, and you are feeling in tune with the progress you have made in your life and within your relationships, Pisces. You are owning your value, your worth, and the beauty of who you are, and are ready to leave the past behind. With Mercury and Venus both going direct in Pisces this month after being retrograde in your sign for the past few weeks, you are in a better space than you have been, and there are fewer obstacles and miscommunications in your life.
You have been through a journey of understanding yourself better through your goals, perspectives, and interests, and have been committing yourself to your authenticity. On April 27, there is a New Moon in Taurus happening, and this New Moon is a good time for communication matters, getting your message across, and for your creative pursuits. With the clarity you feel within your mind and heart right now, you are making a lot of progress in April and feeling pleased with where life is headed.
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