How to survive in the NYC metro area on $50K ?
Welcome to America!
#1 – the expectation is that your spouse will work too
#2 – parents help till they are in thier 80’s (no, Im not kidding)
#3 – its called living day-to-day, and when the big ticket expenses (weddings, ect) come up, you borrow.
But this should come as no surprise to you, if you have any intention of being in chinuch. Listen to the rebbeim / teachers in your circle and you’ll a common theme; They are not in it for the $… because there is none.
Your case might be different, as you have a degree and experience. But my guess is, you’ll still need to go way out of the metro area to find a school that values (and is willing to pay for) your true worth. As for getting paid on time? I only know the BP market, and its slow as molasses.