====== Household Budget Comparison ======

Assumptions:
  * Married couple
  * $110,000 income
  * Remote work
  * Renting initially

Net income estimates include state taxes.

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===== Albany, NY =====

Estimated state tax:
  ~$6,000

Monthly take-home (approx):
  ~$6,800–$7,200

Typical monthly costs:
  Rent: $1,600–$2,000
  Utilities: $250
  Insurance: Moderate
  Groceries: Moderate

Savings potential:
  Moderate

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===== Knoxville, TN =====

State income tax:
  $0

Monthly take-home:
  ~$7,400–$7,800

Rent:
  $1,200–$1,800

Lower housing and no state tax increase savings potential by:
  ~$800–$1,200/month

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===== Chattanooga, TN =====

State income tax:
  $0

Rent:
  $1,300–$1,900

Savings advantage vs Albany:
  ~$700–$1,100/month

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===== Tampa, FL =====

State income tax:
  $0

Rent:
  $1,800–$2,500

Savings vs Albany:
  ~$500–$900/month (offset by higher housing + insurance)

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===== Raleigh, NC =====

State income tax:
  ~$5,000

Rent:
  $1,700–$2,400

Savings vs Albany:
  ~$200–$600/month

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===== Financial Ranking for Your Income =====

Most savings:
  1. Knoxville
  2. Chattanooga

Balanced:
  3. Jacksonville
  4. Raleigh

Lifestyle-first:
  5. Tampa