年薪十万的悲惨生活

我在中部, 年薪十万应该可以过上尚可的生活了. 实际上咋样呢? 看看我最近的一张Paycheck, 同学们请指点指点如何省税:

Pay period: 10/16-10/31

Earnings: $4100

=============================Tax

Fed Tax: $246.58

Fed Med/EE: $56.96

Fed OASDI/EE: $164.98

State Tax: $114

City Tax: $26.98

===============================Before-Tax Deduction

Medical Insurance: $128

Dental: $16

Vision: $9.57

401(k): $1230

FSA: $20.83

=================================After-Tax Deduction

Supplemental AD&D, Life Insurance, etc: $6.36

====================================================

Net pay: $2079.74

Monthly net pay: $4159.48

===================================================

各项开支:

Mortgage/Property tax: $1500

Food/Gas/Cable: $1500

Utility/Cloth/misc: $1200

===============================================

节余: -$41

大家说, 该咋办?