I've been toying with AI for the past few weeks and asked it how cost of living differences (assuming a single with no dependents) between some big and small legal markets impact the after-tax remaining proceeds. I've copied and pasted the results below.
The markets were NY, Chicago, Washington DC, Atlanta and Denver. I'm familiar with NY and it seems roughly right but curious if it is roughly right for the other markets as well - if you're familiar with any of them, let me know what you think!
I started my career in NYC and feel there were lots of non-financial (food, culture, nightlife) and financial (wealth of inhouse opps) benefits to working and living in the city, but the 50K difference in after-tax proceeds in the bank account would have been worthy of some consideration.
----------AI response------------
To provide you with a detailed comparison of the cost of living expenses in New York, Chicago, Washington DC, Atlanta, and Denver, I'll break down the main categories: housing, transportation, utilities, groceries, and healthcare. Please note that these are approximate values, and actual costs may vary depending on your lifestyle choices and specific neighborhood.

Housing (rent for a 1-bedroom apartment in a mid-range area):

New York: $2,500 - $3,500 per month
Chicago: $1,600 - $2,300 per month
Washington DC: $2,000 - $2,700 per month
Atlanta: $1,300 - $1,800 per month
Denver: $1,500 - $2,000 per month

Transportation (public transportation and/or car ownership):

New York: $127 (30-day MetroCard) + occasional taxi/rideshare
Chicago: $105 (30-day CTA Pass) + occasional taxi/rideshare or car-related expenses
Washington DC: $100 (30-day SmarTrip card) + occasional taxi/rideshare or car-related expenses
Atlanta: $95 (30-day MARTA Pass) + occasional taxi/rideshare or car-related expenses
Denver: $114 (30-day RTD Pass) + occasional taxi/rideshare or car-related expenses

Utilities (electricity, heating, cooling, water, garbage for an 85m2 apartment):

New York: $130 - $180 per month
Chicago: $120 - $170 per month
Washington DC: $110 - $160 per month
Atlanta: $120 - $170 per month
Denver: $100 - $150 per month

Groceries:

New York: $400 - $600 per month
Chicago: $350 - $550 per month
Washington DC: $350 - $550 per month
Atlanta: $300 - $500 per month
Denver: $325 - $525 per month

Healthcare (insurance premium and out-of-pocket expenses):

New York: $350 - $500 per month
Chicago: $300 - $450 per month
Washington DC: $300 - $450 per month
Atlanta: $250 - $400 per month
Denver: $275 - $425 per month

Now let's calculate your approximate monthly take-home pay after federal, state, and city income taxes. Assuming you are single with no dependents, your salary is $215,000, and you have $100,000 in student loan debt, your tax rates are as follows:

Federal income tax rate: 24%
State income tax rates: NY: 6.41%, IL: 4.95%, DC: 6.5%, GA: 5.75%, CO: 4.55%
City income tax rates: NY: 3.87%, Chicago: None, DC: None, Atlanta: None, Denver: None

To calculate your take-home pay, we can use the following formula:
Take-home pay = Gross salary - (Gross salary * Federal tax rate) - (Gross salary * State tax rate) - (Gross salary * City tax rate)
After calculating the take-home pay for each city, we'll subtract the major cost of living expenses to determine the remaining income:

New York:

Take-home pay: $123,679
Expenses: $54,444 - $75,540
Remaining income: $48,139 - $69,235

Chicago:

Take-home pay: $139,537
Expenses: $41,640 - $57,420
Remaining income: $82,117 - $97,897

Washington DC:

Take-home pay: $136,085
Expenses: $43,320 - $60,420
Remaining income: $75,665 - $92,765

Atlanta:

Take-home pay: $141,122
Expenses: $38,940 - $53,400
Remaining income: $87,722 - $102,182

Denver:

Take-home pay: $142,918
Expenses: $39,948 - $55,020
Remaining income: $87,898 - $102,970

Please ask any Denver-related questions here, but it would be a good idea to search the sub and read our FAQ before doing so -- many of your questions have likely already been answered. A little research will allow you ask more detailed questions which will get you better answers. If you want a quick answer or just to chat, check out the /Denver discord server..
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"I would like to buy buy, sell, rent …"
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NEW: (5/19/19) "Colorado traction law restricting 2WDs on I-70 in mountains signed into law" - Denver Post Read FAQ entry RTD General questions
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CoronavirusColorado/ /denver and /CoronaVirusColorado Combined Feed Denver Area COVID-19 Resources and News Megapost IV - More Information in /CoronavirusColorado
State National Resources:
Colorado.gov Information Nationwide Map by Johns Hopkins

Colorado School of Mines has partnered with Undergrad & Grad Student Government and the City of Golden to launch a new campus shuttle program. The program will provide free shuttle service in and around campus and to popular areas near campus, including Mines Park, Jackson Street/Safeway, Downtown Golden, the RTD “W” Line Station, and South Golden Road. This service will operate on 10-minute intervals and will be a free, hop-on/hop-off service (no pass required). Accessible service will also be provided. Exact timing of the launch of the new campus shuttle program is dependent upon the acquisition of the needed vehicles to provide the service. This service is expected to launch prior to the Fall 2024 semester but could be in place late Spring semester 2023. Stay tuned for further details and announcements on this exciting program!
https://www.mines.edu/parking/campus-parking-and-transit-enhancements/
Super exciting news! Now they just need to get the W-Line up and running again. Golden is pretty isolated from Denver and RTD as a whole and this is a great step in the right direction.

Given the still limited actual new car inventory here, I found the car I want at a dealer in suburban Chicago.
I'm very fortunate to live here in Douglas County where my retail tax rate is 4%: 2.9% to the state, 1% to Douglas and .1% to the cultural district. I am south and thus out of the RTD taxing district.
Because I am financing (.9% for 36 months. Gotta get that), I am being required to pay CO taxes that the dealer's vendor will determine, collect and remit to CO on my behalf. My understanding is this isn't unusual.
NBD, except their 'software' is telling them my tax rate is 2.9% state, 5.8% (!) local and 1.1% RTD. Nobody outside of Winter Park has a tax rate that exceeds the 'quoted' 9.85%. Not Aspen, Vail, Denver or even Boulder.
They claim they'll refund the overpayment if they're wrong (sure they will) but I know they're trying to scam me and I'll never see a dime of the overpayment.
Anybody else run into this overcharging of taxes by an out of state dealer? If so, did you ever get them to correct it?
EDIT: New dealer, same state, same problem:
'Taxes based on your zip code are 8.75% you can google 80125 sales taxes and you will see the rate. We have a system calculate the taxes base on your zip automatically'
Goddammit.

To my friends and colleagues in the Academy,
I write today with both regret and with hope.
I must regretfully resign all my service positions, effective immediately. My offer is that I hope to serve again in some capacity someday in the future, if I am able to find another job at a supportive library and if the membership approves.
I fell down 1.5 flights of concrete stairs in January 2023, the fire stairs at my cheap-but-clean apartment complex. Despite being only nominally less expensive than other complexes, this Limited Liability Corporation still declined to put non-slip tread on the stairs and instead charged me the full move out fee. This aggravated the head injury that I got in February 2022, when I attempted to assist a blind woman who was being verbally assaulted by a QAnon Fanatic on a Denver RTD light rail train — when I showed up at her seat to help, the very angry white man physically assaulted me instead. The all-male RTD police department declined to investigate because they claimed “no one was hurt,” but it may very well be a career ending head injury for me. All of the liability in all incidents rests with ME, unless I can afford to retain my own attorney, which I cannot.
I have been attempting to continue working despite my injuries because I thought that “Academia Needed Me,” and I grew up in Academia. It has been my home for all my life. But I find that I cannot continue to serve in a society that no longer seems to recognize or reward service — and I don’t mean the library profession or any library society: I mean the society of the United States of America.
I plan to declare Chapter 7 bankruptcy, with the help of a free tool from Harvard University, so that I can use my retirement savings from Academia to pay my medical bills, because I am tired of begging the insurance companies to pay me what they promised when I paid my premiums. No number of subscription services that promise to bring me food — because I’m literally too exhausted to cross the street — can solve my problems.
My problem was that I did a huge amount of work because I was desperate to hang onto my health insurance and other fringe benefits. Because: I had trouble selling my house in New Hampshire after I moved to Denver, and then I ruptured my appendix; got COVID-19 in the first wave; threw out my back badly by attempting to return to work too soon after having COVID and then had to work face down for months before I could see a Physical Therapist in person; and finally got dumped by the “love of my life” and not-so-secret-video-game-addict of a boyfriend over an argument about which Christmas Carols to listen to in December 2020. I then hemorrhaged savings by attempting to find a new apartment during the Pandemic while my beloved Grandmother, a member of the Greatest Generation, died slowly in hospice from COVID over 2.2 years before being finished off by her second bout with COVID.
Theoretically, I could borrow the money to pay my $4k medical bills, because I have “Great Credit” and a “High Net Worth”, but all of my savings are locked into retirement accounts that I may not live to use. By United States law, I can withdraw $10k to buy a house without tax penalties, but I cannot use the same money to pay medical bills which the insurance company has declined to pay for reasons that I would probably need a law degree to understand. I also could not use the money to buy food this summer when the insurance company ruled that I was not eligible for Short-Term Disability benefits because I was still able to work half-time from home. I almost starved to death in my own apartment because I was too sick to walk to the grocery store across the street and I couldn’t afford delivery; and no one from work checked on me — possibly because they were all too exhausted from covering multiple empty positions in an already “lean” staffing structure in which new high priority and high pressure initiatives were continually introduced in an effort to “Field of Dreams” more new positions. There was always money for new search committees, but never any checks from the insurance company.
The worst part of this story is that I believe that both my mentor and a chair attempted to tell me that the Engineering School made an offer for me — they wanted me, even with my ten head injuries. But my Dean declined to pass on my offer unless I agreed to a closed door meeting with his Business Manager. I did not kneel to kiss the ring. But I kissed a great many rings and paid a great many bills to get where I am today, and right now moving my head too quickly makes me vomit (my apologies if I have turned your stomach).
Therefore, if The Academy has decided that it can pretend to be a business, then I can pretend to be a business too, and I will actually cash out on some of my “great Benefits.”
I have greatly enjoyed working with you all, and I wish you the very best of luck in the future.
I hope that any administrators reading this will remember this lesson: that Liability is meant to be a shield and not a sword. Every sword is double edged.
Best regards,

Please ask any Denver-related questions here, but it would be a good idea to search the sub and read our FAQ before doing so -- many of your questions have likely already been answered. A little research will allow you ask more detailed questions which will get you better answers. If you want a quick answer or just to chat, check out the /Denver discord server..
Here is a short list of topics frequently asked about on Denver:
Food/Drink
Read FAQ entry Free on Your Birthday BBQ Mexican Bars Cultural Restaurants MEGATHREAD Denverfood
Apartments
Best time to start looking
Breweries
Read FAQ entry Search COBeer
Cannabis
Cannabis FAQ COents
Tattoos
Read FAQ entry Search
Places to see and visit
Read FAQ entry Past moving and visiting threads Travel Guide Westword Events Calendar Search
Internet Providers
Comcast CenturyLink Forethought WiFI Hood Search
Cell/Mobile service
T-Mobile Sprint Verizon Search
Neighborhood Recommendations
Read FAQ entry Denver Crime Map Past moving and visiting threads Search
Hiking / Camping (Seasonal)
Article on beginner hikes Search coloradohikers/ (Colorado Hiking Sub - Guides, Pictures, Conservation)
Advice on employment/finding work
Denverjobs (job search/hiring post are not allowed in Denver)
"I would like to buy buy, sell, rent …"
Denverlist (Posts for buying and selling items, concert tickets (unless giving them away for free), ride shares, and finding housing are not allowed in Denver.)
Medical recommendations
Primary care Dentist LASIK Mental Health
Transportation
NEW: (5/19/19) "Colorado traction law restricting 2WDs on I-70 in mountains signed into law" - Denver Post Read FAQ entry RTD General questions
I-70 Road Conditions / Closures Website
I-70 Transportation Info - Ride Shares, Road Conditions, etc
Stargazing / Areas Void of Light Pollution
Search Darksite Finder
Volunteering Resources
Search VolunteerMatch Points of Light
Ratio of women to men e.g., "Is Denver 'Menver' "
Census data spoiler answer: no.
Covid-19 (a.k.a. Coronavirus) Information:Colorado Subreddit:
CoronavirusColorado/ /denver and /CoronaVirusColorado Combined Feed Denver Area COVID-19 Resources and News Megapost IV - More Information in /CoronavirusColorado
State National Resources:
Colorado.gov Information Nationwide Map by Johns Hopkins

So if you haven't ridden the light rail since maybe before the pandemic and you also live outside of the RTD district and have to pay for daily parking, make SURE you note the 5 digit parking code when you're on the platform.
The code you need to input isn't listed anywhere inside the app. So if, like me, you board the waiting train and then use the RTD app to buy your tickets (I know I'm a sucker for paying for it these days since no one ever checks) as well as your parking, you won't be able to find the required number as you've already walked past the new signage.
The old vendor, Park Mobile's app, did show the lot e.g. Littleton Mineral was 7020. You'll never find the Parking.com number of 61214 inside the app.
However, deep on the RTD website is a PDF of all the station's five digit pins:
https://www.rtd-denver.com/sites/default/files/files/2021-09/Location%20Name%20and%20Zone%20Number.pdf
I realize now this all changed a few years ago
https://www.rtd-denver.com/news-stop/news/rtd-moves-to-new-parking-payment-system-oct-1
but it had been a while since I had ridden the light rail and I didn't want to get ticketed for not paying for parking.
As it was, I paid Park Mobile $4.35 first as I always had and they never said they aren't the parking vendor anymore. They happily took my four bucks for nothing,

Just standing here at Union Station, waiting an hour for a train after catching a late bus here. One train so far has been cancelled, and two out-of-service trains have passed by mockingly in the meantime. RTD is only marginally better in terms of service than no transit system at all, and probably a net loss financially by the time you add up all the time people lose waiting on its failures. The region should take RTD's budget and just use it to provide everyone with Lyft vouchers or something.
Edit: train finally showed and the conductor immediately made an announcement for someone to stop smoking "fentanyl, or something." So I decided to search for some performance statistics. RTD publishes several such measures, but hasn't published any in 3-6 years: https://www.rtd-denver.com/reports-and-policies
I'm just saying, why can't we have a real transit system like other cities? Seems like a fair question.
Edit #2: some good discussion here in response to my frustrated rant. The problem with RTD seems to be that it's a half-assed effort that is funded just enough to exist but not enough to be decent. So then: what does it take to fix it? At this point, do we need to start over, or would it be possible to throw enough money at it to turn it into something that works? For example the tracks and park-n-rides are already built. Do you redo all that in better locations or add to it in some meaningful and efficient way? What if you just got rid of RTD entirely for a while until the public will coalesces to either fund it properly or do without it and put those resources somewhere else? I'm just throwing stuff out. It can't continue on its current trajectory.

Please ask any Denver-related questions here, but it would be a good idea to search the sub and read our FAQ before doing so -- many of your questions have likely already been answered. A little research will allow you ask more detailed questions which will get you better answers. If you want a quick answer or just to chat, check out the /Denver discord server..
Here is a short list of topics frequently asked about on Denver:
Food/Drink
Read FAQ entry Free on Your Birthday BBQ Mexican Bars Cultural Restaurants MEGATHREAD Denverfood
Apartments
Best time to start looking
Breweries
Read FAQ entry Search COBeer
Cannabis
Cannabis FAQ COents
Tattoos
Read FAQ entry Search
Places to see and visit
Read FAQ entry Past moving and visiting threads Travel Guide Westword Events Calendar Search
Internet Providers
Comcast CenturyLink Forethought WiFI Hood Search
Cell/Mobile service
T-Mobile Sprint Verizon Search
Neighborhood Recommendations
Read FAQ entry Denver Crime Map Past moving and visiting threads Search
Hiking / Camping (Seasonal)
Article on beginner hikes Search coloradohikers/ (Colorado Hiking Sub - Guides, Pictures, Conservation)
Advice on employment/finding work
Denverjobs (job search/hiring post are not allowed in Denver)
"I would like to buy buy, sell, rent …"
Denverlist (Posts for buying and selling items, concert tickets (unless giving them away for free), ride shares, and finding housing are not allowed in Denver.)
Medical recommendations
Primary care Dentist LASIK Mental Health
Transportation
NEW: (5/19/19) "Colorado traction law restricting 2WDs on I-70 in mountains signed into law" - Denver Post Read FAQ entry RTD General questions
I-70 Road Conditions / Closures Website
I-70 Transportation Info - Ride Shares, Road Conditions, etc
Stargazing / Areas Void of Light Pollution
Search Darksite Finder
Volunteering Resources
Search VolunteerMatch Points of Light
Ratio of women to men e.g., "Is Denver 'Menver' "
Census data spoiler answer: no.
Covid-19 (a.k.a. Coronavirus) Information:Colorado Subreddit:
CoronavirusColorado/ /denver and /CoronaVirusColorado Combined Feed Denver Area COVID-19 Resources and News Megapost IV - More Information in /CoronavirusColorado
State National Resources:
Colorado.gov Information Nationwide Map by Johns Hopkins

My family is planning a Spring Break trip to Breckenridge where we are planning on taking the Bustang West Route from Frisco, CO to Denver Union Station. We have a relatively tight connect to get to the airport via RTD and are wondering if the Bustang is usually on time or if we should plan for extra time past the scheduled arrival time?

Our next "Colorado Law Enforcement Job Fair" is next week on March 8th, 2023 from 11 am to 5 pm up at the Denver Premium Outlets in Thornton! Meet representatives from at least 53 agencies from all over Colorado, representing municipal, county and state policing, 911 dispatch, records, property and evidence, crime scene investigations, investigative technicians, community service officers, detentions and other Sworn & Non-Sworn roles.
March 8, 2023 11:00 a.m. to 5:00 p.m.
Denver Premium Outlets Dining Hall
13801 Grant Street in Thornton, CO 80223
This event is free, with no pre-registration required.
We can go on all day about the benefits of working in public safety and public service, but we would love to talk face to face at the event. Almost every police department will be there, but if you cannot attend, or have questions, please reach out to [[email protected]](mailto:[email protected]) and go to to www.Lakewood.org/PoliceJobFair for more information on us and our partner agencies attending, such as:
Adams County Sheriff's Office Colorado Arapahoe County Sheriff's Office Arvada Police Department Aurora Police City of Black Hawk Boulder Police Department Boulder County Sheriff's Office Town of Breckenridge, CO Police Brighton Police Department Broomfield Police Department Colorado State Patrol Colorado Department of Public Safety Colorado POST Colorado Springs Police Department Commerce City Police Department Colorado State University Police and Safety Dacono Police Department Denver Sheriff Department Denver Police Department Durango Police El Paso County Sheriff's Office Englewood Police Department Town of Erie Police Department Federal Heights Police Department Fort Collins Police Services Fort Lupton Police Department Fraser Winter Park Police Department Glendale Police Department (Colorado) Glenwood Springs Police Dept Golden Police Department Grand County Sheriff's Office - Colorado Greeley Police Department Jeffcom 911 Jefferson County Sheriff's Office Lafayette Colorado Police Department Larimer County Sheriff's Office City of Lone Tree Police Longmont Public Safety Louisville Colorado Police Department Loveland Police Department Mountain View Police Department Colorado Northglenn Police Department Parker Police Department Pueblo Police Department Steamboat Springs Police Department Thornton PD Weld County Sheriff's Office Westminster PD Wheat Ridge Police Department LaSalle, RTD Transit Police & CU Anschutz Police

https://preview.redd.it/v2mhytsswfla1.png?width=1545&format=png&auto=webp&s=12e8006c926190388dba0cd39a94d26bf40b2c3d

Please ask any Denver-related questions here, but it would be a good idea to search the sub and read our FAQ before doing so -- many of your questions have likely already been answered. A little research will allow you ask more detailed questions which will get you better answers. If you want a quick answer or just to chat, check out the /Denver discord server..
Here is a short list of topics frequently asked about on Denver:
Food/Drink
Read FAQ entry Free on Your Birthday BBQ Mexican Bars Cultural Restaurants MEGATHREAD Denverfood
Apartments
Best time to start looking
Breweries
Read FAQ entry Search COBeer
Cannabis
Cannabis FAQ COents
Tattoos
Read FAQ entry Search
Places to see and visit
Read FAQ entry Past moving and visiting threads Travel Guide Westword Events Calendar Search
Internet Providers
Comcast CenturyLink Forethought WiFI Hood Search
Cell/Mobile service
T-Mobile Sprint Verizon Search
Neighborhood Recommendations
Read FAQ entry Denver Crime Map Past moving and visiting threads Search
Hiking / Camping (Seasonal)
Article on beginner hikes Search coloradohikers/ (Colorado Hiking Sub - Guides, Pictures, Conservation)
Advice on employment/finding work
Denverjobs (job search/hiring post are not allowed in Denver)
"I would like to buy buy, sell, rent …"
Denverlist (Posts for buying and selling items, concert tickets (unless giving them away for free), ride shares, and finding housing are not allowed in Denver.)
Medical recommendations
Primary care Dentist LASIK Mental Health
Transportation
NEW: (5/19/19) "Colorado traction law restricting 2WDs on I-70 in mountains signed into law" - Denver Post Read FAQ entry RTD General questions
I-70 Road Conditions / Closures Website
I-70 Transportation Info - Ride Shares, Road Conditions, etc
Stargazing / Areas Void of Light Pollution
Search Darksite Finder
Volunteering Resources
Search VolunteerMatch Points of Light
Ratio of women to men e.g., "Is Denver 'Menver' "
Census data spoiler answer: no.
Covid-19 (a.k.a. Coronavirus) Information:Colorado Subreddit:
CoronavirusColorado/ /denver and /CoronaVirusColorado Combined Feed Denver Area COVID-19 Resources and News Megapost IV - More Information in /CoronavirusColorado
State National Resources:
Colorado.gov Information Nationwide Map by Johns Hopkins

Do you work in Denver or surrounding areas and drive yourself up there daily in the early AM?
I have been doing day labor shifts through gig apps, and there is a lot of availability in Denver. Unfortunately, the Bustang can't get me to Union Station until after 7 AM and most of the gigs start fairly soon after that - no time to make the connection.
I am looking for someone who would be willing to give me a ride up there on their schedule, so long as I'm into the RTD area of service early enough that I can make my gigs. I would generally not need a ride back since Bustang runs into the evening and I'd be off before then. I would need to be in Denver solidly before 7 AM, usually, to make my connecting buses/trains/Lyfts.
I would be very happy to more than cover your gas/breakfast expense in return for the ride(s). My schedule would be irregular (some days need it, some days don't) but usually known at least a couple of days in advance.
I'm easy to get along with in the morning and I will happily shut up and let you drive and listen to the music, or listen to your war stories, or tell you mine - whatever works for the vibe. This would not be a permanent arrangement, as I'm trying to save up to get my license back and get my own car.
Please PM me and let's help one another out - you get free gas and breakfast and I get some paying work. Thank you! (ETA: neglected to mention, M50+, clean and polite.)

Please ask any Denver-related questions here, but it would be a good idea to search the sub and read our FAQ before doing so -- many of your questions have likely already been answered. A little research will allow you ask more detailed questions which will get you better answers. If you want a quick answer or just to chat, check out the /Denver discord server..
Here is a short list of topics frequently asked about on /Denver:

Food/Drink

Read FAQ entry Free on Your Birthday BBQ Mexican Bars Cultural Restaurants MEGATHREAD /Denverfood

Apartments

Best time to start looking

Breweries

Read FAQ entry Search /COBeer

Cannabis

Cannabis FAQ /COents

Tattoos

Read FAQ entry Search

Places to see and visit

Read FAQ entry Past moving and visiting threads Travel Guide Westword Events Calendar Search

Internet Providers

Comcast CenturyLink Forethought WiFI Hood Search

Cell/Mobile service

T-Mobile Sprint Verizon Search

Neighborhood Recommendations

Read FAQ entry Denver Crime Map Past moving and visiting threads Search

Hiking / Camping (Seasonal)

Article on beginner hikes Search /coloradohikers/ (Colorado Hiking Sub - Guides, Pictures, Conservation)

Advice on employment/finding work

/Denverjobs (job search/hiring post are not allowed in /Denver)

"I would like to buy buy, sell, rent …"

/Denverlist (Posts for buying and selling items, concert tickets (unless giving them away for free), ride shares, and finding housing are not allowed in /Denver.)