neverAgain wrote: i recommend Mgtow and minimalism (reduce taxes and no risk of divorce)

Hell yeah…most people don’t realize but after your standard deduction/personal exemption you can make almost 50k a year in long term capital gains(dividends) and pay no taxes. I tell people all the time I’ll probably just work til I can sustain 50-60k a year in dividends without selling shares then I’m done regardless of age and more often than not they laugh like I’m nuts or think its not enough. They have no clue that after your standard deduction and personal exemption you can make almost 50k a year in long term capital gains and pay no taxes. Knowing that, let’s look at some numbers from an old paystub of mine…

My gross on the stub was 100k. I paid 15k in federal income taxes, 6k in social security tax, 1.4k in medicare tax, 4k for state income tax for total taxes of 26,400. I also put 18k into my 401k and 2850 into my HSA for additional savings related deductions of 20850. So now for a 100k a year salary…I’m only taking home (100k-26,400-20850) 52,750.

Now if you add in some marriage/divorce related expenses, car payments, student loan payments, a big mortgage, or any other debt payments, which are all things most people will have some of, but you are frugal and avoid those things, the amount of money left in your pocket if you earned 50k a year in dividends absolutely annihilates what some guy with a 100k a year salary is going to be left with as disposable income.

Where it gets funny is most people think 100k a year is a kick ass salary and anyone making this much is f~~~ing loaded, yet if you said “I’m going to retire on 1.5 million in my 30s” they’d tell you that isn’t enough money, even though 1.5 million could make you 50-60k in dividends. Society somehow perceives poor 80% guy being left with 20k of his 100k salary as doing well in life just because he has a big salary where as most people would probably view someone in their 30s saying f~~~ it, I got 1.5m, I’m done working as someone making a very foolish choice. Be smart with your money…don’t be 80% guy…be the smart/frugal guy!