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America's urban centers are the forefronts of culture, industry, and being stressed as hell about money. A personal finance website, GOBankingRates, took the time to figure out whether your big move into one of the United States' biggest cities will be a decadent, splendorous ascent to high-society or a gutter-dwelling, penny-pinching adventure of scraping by.

A family living very, very comfortably.
A family living very, very comfortably.
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Using the 50-30-20 rule, which GOBankingRates explains as "50 percent of income covers necessities, 30 percent is for discretionary items, and 20 percent [for savings]", the financial site compared 75 of the most populated U.S. cities, "surveying dollar amounts of living expenses including rent, groceries, utilities, transportation and healthcare."

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We've highlighted the cities with the largest deficit between what income a single person needs to earn to live comfortably and what their residents actually earn. Prepare to have your frugal heart broken to pieces.

Cleveland

Population: 389,521

Amount Needed To Live Comfortably: $42,589

Actual Median Income: $26,179

Living "comfortably" in Cleveland is a paradox anyway.

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Detroit

Population: 680,250

Amount Needed To Live Comfortably: $42,772

Actual Median Income: $26,095

Yes, even Detroit is apparently too expensive for most people.

Chicago

Population: 2,722,389

Amount Needed To Live Comfortably: $68,671

Actual Median Income: $47,831

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Unless you have the best Polish sausage recipe in the Windy City, it may be difficult to live like a king here.

Philadelphia

Population: 1,560,297

Amount Needed To Live Comfortably: $59,384

Actual Median Income: $37,460

Who needs financial stability when you can visit the Liberty Bell whenever you want?

New Orleans

Population: 384,320

Amount Needed To Live Comfortably: $60,782

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Actual Median Income: $36,964

The never-ending crawfish buffet of life is just barely out of reach for so many who already reside in The Big Easy.

Los Angeles

Population: 3,928,864

Amount Needed To Live Comfortably: $74,371

Actual Median Income: $49,682

Everyone in LA's prettier than their bank accounts.

Boston

Population: 655,884

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Amount Needed To Live Comfortably: $84,422

Actual Median Income: $54,485

Fortunately it's encouraged to drink off your fiscal struggles here.

New York

Population: 8,491,079

Amount Needed To Live Comfortably: $87,446

Actual Median Income: $52,737

Living comfortably in the Big Apple means having an apartment where you can't touch the walls on both sides at the same time.

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San Francisco

Population: 852,469

Amount Needed To Live Comfortably: $119,570

Actual Median Income: $78,378

Unlike its many startups, most residents here don't have an angel investor backing them.

Miami

Population: 430,332

Amount Needed To Live Comfortably: $77,057

Actual Median Income: $30,858

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At least you can wipe away your tears with a delicious Cubano.

Many apologies for destroying your dreams!

Sources: GOBankingRates