Qatarisun....Yes I am from Chicago lol, but you have to see. When you make a gross of $21,000, thats not what you take home. In America, we have tax rates that come out to be about 38%. So if you do that math, you will find that $21,000 actually becomes $13,020. Now if you have a family of 4. You have a house with a mortgage around $3000.00, so that leaves you $10,000. Now generally health insurance is provided by company and taken out of salary. But you have Cars, Utilities, Food, Cell phones, etc. So you might save $1000.00 bucks at the end of the month. Thats how Chicago works =)