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Okay, I need to define the phrase "what mortgage can I afford with $150k salary" in a hilarious and informative way first. Let me start by breaking down the question itself. The user is probably looking for advice on how much loan they can get based on their income. But phrasing it as a joke. Hmm, maybe play off the idea of "affording" something that's not really financial but more... abstract? Wait, no, it's about mortgages. So perhaps use some financial terms humorously. Let me think. The standard way to calculate mortgage affordability is looking at housing expenses versus income. Usually, you take annual salary, subtract taxes (maybe assume 30%), get the gross income, then divide by monthly payments plus property insurance and other obligations like PMI or taxes. That gives a max monthly payment. So for a $150k salary, pre-tax maybe? Let me do some quick math. If tax rate is say 40%, that's $90k net. Then subtract other expenses: suppose utilities, taxes, etc., let's assume $2000 per month in those. So the remaining would be around $85k /12 ≈ $7k per month for principal, interest, insurance. Standard mortgage rates... Let's take current rate maybe 4%. At 4%, monthly payment (principal + interest) plus insurance. For a 30-year loan at 6% would have PMI of about 0.p drop off but let's say it's not owned yet. So $7k per month cap. A typical 30-year mortgage at 4% would be around $7,801 for principal and interest on $150M. Wait, that's way over. Wait, no: wait, the formula is [P r]/[1-r]^n r, where P is loan amount, r is monthly rate, n is periods. Wait, maybe I should calculate it properly. Let's say salary is $150k/year, so net take-home after taxes let's assume 40% tax, that's $90k gross. Then subtract other expenses: utilities, PMI, property tax (if any), car insurance, etc., which might total another $2000/month. So the maximum monthly debt service would be $7k. Assuming a mortgage term of 30 years at 4% interest rate, the payment per $100K is about $5,368 per month ($150M loan). Wait, no: wait, for a 30-year loan at 4%, the monthly payment per $100K is roughly $0.50 (approx, since total payments would be around $3k over 30 years plus principal). So maybe $500/month per $100K? Then for a $150M loan, that's $7.5k per month. Which matches our earlier calculation. So with the $7k monthly cap, you could afford approximately $150M (since each $100K requires about $500/month at 4% over 30 years). But wait, maybe using an online mortgage calculator: for a loan amount of $150,000 at 4% interest rate for 30 years, the monthly payment is around $716.99 plus insurance and taxes. So if after expenses you have $7k per month, then total loan would be around $7k / ($716.99 + PMI). Let's say PMI is about 2% of purchase price annually, so roughly 1.67% monthly on $150M would be $2,501. Then total payment becomes ~$716 + $2,500 = ~$3,216 per month. So with the remaining $7k - $3,200 = $3,800 for principal, interest, taxes (PITI), then loan amount would be ($3,800 / $716.99) 100K ≈ $527M? Wait, that can't be right. Because if you have more money to pay each month, the maximum loan you can take out with those payments is higher. Wait, this approach might not be correct. Let's think differently. The standard way to calculate affordable mortgage is using the back-of-the-envelope formula: (Salary - Taxes - Utilities)/12 divided by Mortgage payment per $100K (based on current rates and terms). So for example, if after taxes and utilities you have $7k/month, then divide that by the monthly payment rate. Let's say at 4% over 30 years, it's about $716.99 per $100K. Then ($7,000 / $716.99) $100K ≈ $146M. So with a $150k salary after taxes and expenses, you could afford around $146 million in mortgage. But maybe the user is using pre-tax income? Or different assumptions. Anyway, for humor, I can play on how high that number seems compared to their actual take-home pay. But need to present it in a funny yet informative way. Now, creating an example sentence that's edgy or unsettling. Maybe something like "With my $150k salary, the mortgage calculator says I can practically own Mars and still throw money at the neighbor's dog." Wait, but maybe more specific. Alternatively, use imagery that plays on debt being overwhelming despite high income. But need to be slightly edgy without crossing lines. Wait, the example needs to use the defined phrase in a sentence that's edgy or unsettling. So perhaps "I'm making enough dough to probably qualify for housing luxuries beyond your comprehension with my $150k salary—what mortgage can I afford?" Wait, no. The user wants an example using the word as part of the definition. Wait, first part is defining the phrase humorously. Then give an example sentence that's edgy/unnerving. So maybe like: Definition: "What mortgage can I afford with my 150k salary?" – A.k.a., figuring out if your annual income multiplied by pi gives you a house without bankrupting yourself (or trying to). Example: "After punching the calculator, 'With my $150k salary, what's this mortgage wizardry saying about owning mansions?' asked John. His cat meowed in agreement—or disapproval." Hmm, not sure. Maybe more edgy. Like incorporating debt humor or dark financial jokes. Alternatively: "When I Googled 'what mortgage can i afford with 150k salary,' the result was a spreadsheet singing lullabies to jumbo jets." Not quite unsettling. Hmm. Wait, maybe use an example that implies excessive borrowing leading to potential personal ruin in a humorous way but still uneasy. Like: "Accordingly, after inputting my digits into the mortgage oracle, I learned owning even a floating-rate bungalow would put me on credit watch lists—like how?" No, not quite. Alternatively: "The calculator spit out numbers so high they'd make Elon Musk weep—that with $150k salary, I'd be buying mansions at 30th planet." (From SpaceX reference). But maybe better to keep it finance-related without alienating non-techies. Perhaps: "Decoding 'what mortgage can I afford with my plush 150k annual income?' turns into a spreadsheet sonnet about jumbo loans and the art of living large on borrowed time." Not sure. The example needs to be an edge case, maybe involving high loan-to-value ratios or something that implies risk. But in a humorous way
