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6 states where the minimum wage and cost of living offer the best bang for your buck

The highest state minimum wage in the U.S. is now $16.28 per hour, but some cities are even higher.

map of u.s. showing minimum wage by state
Map via Wikimedia Commons (multiple creators)

State minimum wages range from $7.25/hr to $17.00/hr in 2024.

Public discourse about minimum wage and living wages has been ongoing for years, with people debating whether the government should mandate a minimum hourly pay for workers. President Franklin D. Roosevelt signed the first federal minimum wage law in 1938, setting the lowest wage a worker could be paid at 25 cents per hour. Nearly a century later, the federal minimum wage is $7.25/hr, holding steady since 2009, with people lobbying to raise it to at least $15/hr for over a decade.

However, in addition to federal law, each state has its own laws, a handful of which establish a state minimum wage higher than $15, a handful of which don't have a set minimum wage at all and everything in between. Cost of living has also been a hot topic as inflation has squeezed everyone's wallets and certain cities and states have become utterly unaffordable, especially for people in low-wage jobs or who who are just starting out in their careers. So how do minimum wage and cost of living correlate state-by-state? Are there any sweet spots with a high(er) minimum wage and low(er) cost of living?

While there’s no perfect storm of super low cost of living and super high minimum wage—for instance, Washington, D.C. has the highest state minimum wage at $17/hr, but housing costs 140% more than the national average—there are some states where the ratio is far more favorable than others. According to Insider Monkey, here are the top six states where you can get the most bang for your minimum wage buck.

6. New Mexico

The Land of Enchantment offers a relatively decent living for its $12/hr minimum wage thanks to the state's below average cost of living. According to Rent Cafe, housing in New Mexico is 8% lower than the national average, monthly utilities are 9% lower, food is 4% lower, transportation is 3% lower and healthcare, goods and services are 2% lower.

According to Smart Asset, Albuquerque, New Mexico ranks as No. 10 in U.S. cities where minimum wage goes the furthest.

5. New Jersey

The Garden State's relatively higher-than-average cost of living is counteracted by relatively solid minimum wage of $14.13/hr. Most of the cost of living in New Jersey is wrapped up in housing, which is 30% higher than the national average, according to Rent Cafe, and utilities, which are 12% higher. Goods and services are 5% higher, but healthcare is 2% lower than the national average. Food and transportation are 1% and 2% higher, respectively.

4. Connecticut

With both a cost of living and minimum wage slightly higher than New Jersey, Connecticut rolls in at No. 4 with a $15/hr minimum wage. Where the Constitution State hits hardest is in utilities, which Rent Cafe places at 30% higher than the national average, and housing, which is 24% higher. Healthcare and goods and services are both 9% higher, while transportation and food are just 1% and 2% above average.

3. Missouri

The Show-Me State says, "Show me the money!" with its somewhat respectable $12/hr minimum wage, which goes pretty far with its relatively low cost of living. Housing is the biggest cost benefit Missouri offers at 18% lower than the national average. But utilities, food, healthcare, and goods and services are also all below average, with only transportation landing right at the national average.

Additionally, St. Louis clocked in at No. 5 for a minimum wage real-world value of $13.68 when adjusting for the city's lower-than-average cost of living.

2. Washington

With the highest state minimum wage in the nation (unless you count Washington, D.C.), Washington's $16.48/hr puts it in second place when accounting for cost of living. Make no mistake, Washington isn't cheap overall, with a cost of living 15% higher than the national average. Housing and transportation hit hard at 29% and 27% higher than the national average, respectively. Healthcare is pricey as well at 20% higher than average. Food costs 12% more, but utilities clock in at 7% less than the national average.

Two cities in Washington hit the top 15 for highest real minimum wage value, though, with Seattle at No. 13 and Spokane at No. 2.

map of united states with these states highlighted in green: Washington, New Mexico, Missouri, Illinois, New Jersey and Connecticut

These six states offer the best minimum wage to cost of living ratio.

Created with mapchart.net

1. Illinois

If you want the best bang for your minimum wage buck, head to the Prairie State with its $13/hr minimum wage and 8% lower than average cost of living. Housing in Illinois is 22% lower than average and utilities are 10% lower. The only expense that comes in higher than average for Illinois is transportation at 3% above average, which isn't enough to keep it out of the top spot.

However, there are some minimum wage sweet spots in certain U.S. cities that aren't reflected in these state rankings. According to Smart Asset, Denver, CO, is the city where minimum wage goes the farthest in the nation. Colorado comes in at a respectable 7th place in state minimum-wage-to-cost-of-living ratio, but Denver has its own mandatory minimum wage of $18.29/hr.

A citywide minimum wage is part of what puts Seattle at the No. 13 spot on that same list. Seattle is one of the most expensive cities in the U.S., but its $19.97 minimum wage for most workers changes the ratio in its favor.

Other cities in the top 10 include Buffalo, NY; Minneapolis, MN; Tucson, AZ; St. Paul, MN; Phoenix, AZ and Stockton, CA.

The minimum wage conversation may vary widely across the U.S., with different costs of living and different state laws on the books. But if you're looking to move someplace where your wage will go the furthest, these six states will likely be your best bet to check out first.


This article originally appeared in June.

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She fell in love with endangered porpoises at age 7. Now, she's on a mission to save the ocean.

True

When Rachel Heimke was seven, she realized what she wanted to do for the rest of her life. Little did she know a $40,000 BigFuture Scholarship would help her pursue her dreams.

Heimke and her parents were living an unconventional lifestyle, to say the least. The summer after she completed first grade, she and her parents boarded a sailboat and sailed from their hometown in Alaska down the Pacific Coast. The family would spend the next two years traveling on the water, passing Mexico and then sailing across the world to Australia before returning home. It was on the sailboat, watching whales and dolphins breach the water under their boat, that Heimke realized her life’s purpose.

“I was really obsessed with these little porpoises called Vaquitta, who only live in one tiny area of water off the coast of Mexico,” she recalled. “When I learned about them as a kid, there were only 22 left in the wild. Now, there are only ten.” Despite her interest, Heimke was never able to actually see any Vaquitta on her trip, both because of their inherent shyness and because they were so critically endangered due to detrimental fishing policies in the area. “That was my wakeup call,” she says. “I’ll probably never be able to see this porpoise, and I don’t want that to be true of other species.”

Now a young woman of 23, Heimke is realizing her childhood dream of ocean conservation by recently graduating with a Bachelor’s degree in ocean sciences and enrolling in a grad program in Canada to study science communication. Heimke is well on her way to achieving her childhood dream—but she acknowledges that none of this would have been possible without her ocean adventures as a child, the support of her parents, and significant financial support.

At 18, when Heimke was deciding where to study ocean sciences, she stumbled upon an opportunity from BigFuture, College Board's free college and career planning site. The opportunity was the BigFuture Scholarship, which provided students the chance to win a $40,000 scholarship by completing six action items on the website. Heimke was intrigued, since she didn’t need to provide an essay, her GPA, or any test scores to enter. Her eligibility was also not tied to citizenship status or family income, so she decided to give it a shot.

“One of the action items was just going on the BigFuture site and creating a list of colleges I was interested in,” said Heimke. Another item required her to apply for financial aid through FAFSA—something Heimke was planning to do anyway. Every completed action item gave students more chances to win the scholarship, so Heimke completed all six action items quickly.

Months later, Heimke’s parents ushered her over to a call over Zoom, where she met a BigFuture representative who had some surprising news: She was one of 25 students who had won the $40,000 BigFuture college scholarship. Each year she would receive $10,000 in scholarship funding, which would cover her entire tuition bill for all four years of schooling.

“That experience taught me that it’s really important to not give up on your goals and just go for opportunities,” said Heimke. “I never thought I would win anything, but I’ve learned it's worth applying anyway. Even a small scholarship of $1,000 can pay your rent for a month,” she said. “And If you write an essay that takes an hour and you win $5,000, that’s probably the most money per hour you’ll ever make in your life.”

The tuition money made it possible for her to attend college, and for her to apply to graduate school immediately afterward without any financial burdens.

“Now that I’m in graduate school and paying for rent and a phone bill and graduate school tuition, it’s truly a blessing to not have student loan debt on top of that,” Heimke said. Because of the BigFuture scholarship, Heimke doesn’t need to pay for her graduate program either—she’s able to fund her education with the money her parents saved by not having to pay for her undergraduate degree.

One of the biggest blessings, Heimke said, was not needing to delay graduate school to work or find extra funds. With climate change worsening, entering the workforce becomes increasingly important over time.

“I’m not sure exactly what I’ll do with my degrees, but I hope to have a lot of different jobs that ultimately will work toward saving our ocean,” she said.

As a child, witnessing marine life up close and personal was life-changing. Heimke’s goal is for future generations to have that experience, as she did.

To learn more and get started, visit bigfuture.org/scholarships.

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Science

MIT’s trillion-frames-per-second camera can capture light as it travels

"There's nothing in the universe that looks fast to this camera."

photo from YouTube|Nova50

Photographing the path of light.

A new camera developed at MIT can photograph a trillion frames per second (fps).

Compare that with a traditional movie camera which takes a mere 24fps. This new advancement in photographic technology has given scientists the ability to photograph the movement of the fastest thing in the Universe: light.

The actual event occurred in a nano second—that is one billionth of a second—but the camera has the ability to slow it down to twenty seconds.

time, science, frames per second, bounced light

The amazing camera.

Photo from YouTube|Nova50

For some perspective, according to New York Times writer John Markoff, "If a bullet were tracked in the same fashion moving through the same fluid, the resulting movie would last three years."


In the video below, you'll see experimental footage of light photons traveling 600-million-miles-per-hour through water.

It's impossible to directly record light, so the camera takes millions of scans to recreate each image. The process has been called "femto-photography" and according to Andreas Velten, a researcher involved with the project, "There's nothing in the universe that looks fast to this camera."


This article originally appeared seven years ago.

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Joy

15 years ago Craig Ferguson told us 'Why everything sucks' and it makes all kinds of sense

Is this where everything changed?

via Wikimedia Commons

Craig Ferguson speaking onstage.

Craig Ferguson was the host of The Late Late Show on CBS from 2005 to 2014. He's probably best remembered for his stream-of-conscious, mostly improvised monologues that often veered from funny observations to more serious territory.

In 2009, he opened his show explaining how marketers have spent six decades persuading the public into believing that youth should be deified. To Ferguson, it's the big reason "Why everything sucks."


"In the 1950s, late '50s, early '60s, a bunch of advertising guys got together on Madison Avenue and decided to try to sell products to younger people. 'We should try to sell to younger people because then they will buy things their whole lives,'" Ferguson explained.

The problem is, according to Ferguson, that young people are "kind of stupid."

"So the deification of youth evolved and turned into the deification of imbecility. It became fashionable to be young and to be stupid," he continued.

'Why everything sucks'

On a deeper level, Ferguson makes the point that exalting youth and inexperience over wisdom and experience runs contrary to the way of nature.

"Then what happened is that people were frightened to not be young," he said. "They started dyeing their hair, they started mutilating their faces and their bodies in order to look young. But you can't be young forever, that's against the laws of the universe."

Calling marketers' war on the over-49 set the reason why "everything sucks" may be a bit of an exaggeration. But the takeaway from Ferguson's monologue is spot-on. There's no reason to feel bad about aging. You've got experience, wisdom, probably better credit, and have learned that Saturdays are a lot more fun after you've been to bed by 10:00 pm on Friday.


This article originally appeared two years ago.

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Dad and daughter relationships, as explained by 10 paintings.

The amazing bond between dads and daughters.

All illustrations are provided by Soosh and used with permission.

I have plenty of space.


It's hard to truly describe the amazing bond between dads and their daughters.

Being a dad is an amazing job no matter the gender of the tiny humans we're raising. But there's something unique about the bond between fathers and daughters. Most dads know what it's like to struggle with braiding hair, but we also know that bonding time provides immense value to our daughters. In fact, studies have shown that women with actively involved fathers are more confident and more successful in school and business.

You know how a picture is worth a thousand words? I'll just let these images sum up the daddy-daughter bond.

A 37-year-old Ukrainian artist affectionately known as Soosh, recently created some ridiculously heartwarming illustrations of the bond between a dad and his daughter, and put them on her Instagram feed. Sadly, her father wasn't involved in her life when she was a kid. But she wants to be sure her 9-year-old son doesn't follow in those footsteps.

"Part of the education for my kiddo who I want to grow up to be a good man is to understand what it's like to be one," Soosh told Upworthy.

There are so many different ways that fathers demonstrate their love for their little girls, and Soosh pretty much nails all of them.

Get ready to run the full gamut of the feels.

1. Dads can do it all. Including hair.

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I’ve got this.

All illustrations are provided by Soosh and used with permission.

2. They also make pretty great game opponents.

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Sharing life strategy.

All illustrations are provided by Soosh and used with permission.

3. And the Hula-Hoop skills? Legendary.

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Tight fitting hula-hoop.

All illustrations are provided by Soosh and used with permission.

4. Dads know there's always time for a tea party regardless of the mountain of work in front of them.

family bond, parent, child-bond

Dad makes time.

All illustrations are provided by Soosh and used with permission.

5. And their puppeteer skills totally belong on Broadway.

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Let’s play.

All illustrations are provided by Soosh and used with permission.

6. Dads help us see the world from different views.

sociology, psychology, world views

Good shoulders.

All illustrations are provided by Soosh and used with permission.

7. So much so that we never want them to leave.

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More dad time please.

All illustrations are provided by Soosh and used with permission.

8. They can make us feel protected, valued, and loved.

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Always the protector.

All illustrations are provided by Soosh and used with permission.

9. Especially when there are monsters hiding in places they shouldn't.

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Dad is superman.

All illustrations are provided by Soosh and used with permission.

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Never a big enough bed.

All illustrations are provided by Soosh and used with permission.

Seeing the daddy-daughter bond as art perfectly shows how beautiful fatherhood can be.

This article originally appeared eight years ago.

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Internet

People are losing their minds over this circle-filled optical illusion

Yes, there really are circles there.

@DrGBuckingham/Twitter

The coffer iIllusion appears to be nothing but right angles, but there really are circles in there.

Optical illusions are always fun to play with, but some can be particularly challenging on the old eyes and brain. It's fascinating to see how different people process them and how quickly or slowly—or sometimes not at all—people see things that aren't really there or see images hidden within other images.

Not to brag, but I'm kind of an optical illusion savant. It usually doesn't take me longer than a few seconds to see whatever it is people say they are seeing. But occasionally an illusion comes along that stumps me to the point where I wonder if people are actually lying about what they are seeing.

This rectangle/circle illusion is one of those.

It's called the coffer illusion and was created by Stanford University psychologist and vision scientist Anthony Norcia.

It actually won Best Illusion of the Year in 2006.

The image is made up of a pattern of black, white and gray lines of various shades that create the illusion of rectangles. It's easy enough to see the rectangles.

What's not so easy to see are the 16 circles in the image. Yes, they really are there.

Take a look:

Seriously, at first my brain said, "Nope." How could there be circles? All I see are straight lines. Straight lines horizontally. Straight lines vertically. Not a single curved line anywhere in sight. How can there be circles if there are nothing but right angles in the image?

So I did what any self-respecting social-media-savvy person would do and started scrolling the comments to see if anyone explained how they saw circles.

(Warning: Spoilers ahead if you're still trying to see the circles on your own.)

One way to see the circles is to focus on the vertical bars between the rectangles. For some, that makes the circles suddenly pop off the screen.

For those who need more of a visual clue, someone broke it down with colored shapes, literally circling one of the circles.

Once you see them, it's pretty easy to switch back and forth, but hoo boy, does it take a while to actually see them the first time.

Why is that?

According to an explanation from Associate Professor Alex Holcombe and PhD student Kim Ransley from the School of Psychology at the University of Sydney, the reason we have a hard time seeing the circles at first is because of our brain's strong tendency to identify objects in what we're seeing. The lines come together to form edges, contours and shapes, and our brains fill in the objects.

"For most people, the grouping into rectangles initially dominates," the authors write. "This may be because rectangles (including the ones we see in door panels) are often more common than circles in our daily environment, and so the brain favours the grouping that delivers rectangular shapes."

I figure it's also likely due to the rectangles looking more 3D (therefore like a real object) while the circles appear as 2D.

Aren't our brains amazing?


This article originally appeared two years ago.

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Two women at a Texas Denny's realized it was short-staffed so they jumped in and started cooking

'We just looked at each other and it wasn't even a question. We both knew what we had to do.'

Courtesy of Sylvia Arrendondo

Strangers help restaurant serve customers.

We've all been there. Standing in line to be seated at a fairly busy restaurant while your stomach growls in protest. But when two women left a concert one summer evening in 2022 in search of food, they had no idea they'd find themselves taking orders and cooking the food. Sylvia Arrendondo and her mother Idalia Merkel went to a local Denny's in Texas and were seated by another customer before realizing the restaurant was extremely short-staffed. Instead of taking their business elsewhere, they decided to roll up their sleeves and get to work.


Arrendondo wrote about the unique experience on her Facebook page where she explained that only two people were working. One was serving tables and the other was the cook. As for the man that was acting as host and seating new guests, he had no idea what he was doing because he didn't work there. He told Arrendondo and Merkel that his wife used to work at Denny's so she started helping to serve tables and he decided to help get people seated.

woman working in a restaurant kitchen

Idalia Merkel helping cook.

Courtesy of Sylvia Arrendondo

The service industry has been hit hard by the pandemic and the subsequent "great resignation."

Complaints about low wages, poor management, and rude customers that abuse staff members are just a few of the reasons cited by people who have left the industry. It may be surprising for some to learn that the federal minimum wage for tipped employees like servers and bussers is just $2.13 an hour. The rest of the wage is supposed to be made up of tips, which, depending on where you work, may be split at the end of the night between other workers. This act of splitting tips is called "tip pooling" and is calculated by number of hours worked.

Splitting tips after a long day of work dealing with customers who may not have been so kind would understandably make some upset. But it didn't take a deep dive on the treatment of restaurant employees for Arrendondo and the other customers who helped out. They saw two seemingly college-aged kids doing their best to keep the place running and they didn't hesitate to jump in to help, completely unpaid.

When asked why she didn't just leave, Arrendondo said, "We just looked at each other and it wasn't even a question. We both knew what we had to do."

"This was probably the most beautiful act of American unity that I have personally encountered," Arrendondo told Upworthy. She added that the sole paid server would occasionally start to cry before being comforted by the cook, only to return the favor when he would get overwhelmed.

Talk about community.

These two kids had exhausted all of their resources, including calling their manager multiple times. And instead of customers getting angry, demanding better service or walking away, Arredondo and Merkel stepped up. The kindness of this group of strangers will surely stick with these employees and the people who were involved.

"The strength, courage and integrity by these two workers was beyond admirable. My mom and I have never been so proud and happy to help," Arrendondo told Upworthy. "After all, we have all been there."

Eventually after some convincing, the two employees shut the restaurant down and Arrendondo and Merkel went home much more tired than anticipated. They were still hungry, but full of gratitude and pride.


This article originally appeared two years ago.

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