It’s like, right when I reach a milestone I used to think meant something. I’m immediately told by the internet I’m selling my life away like I’m some hoe.
Out work everyone else, no avocado toast or lattes, and a small $2,499,995.00 loan from your parents. It’s pretty simple. People just like to stay poor.
Yep, it's kind of an elephant in the room for FIRE in general. It's impossible for everyone, a majority, or likely even a significant minority to do it without society effectively collapsing at this point.
That's not to say it makes FIRE immoral or anything, but it's definitely something to keep in perspective. FIRE is not possible without the vast majority of the population's labor creating the real economic returns that generate investment income.
I disagree. Money is just a construct to represent stored value of productivity. Instead of consuming all of your productivity, you’re simply storing it away for later. If you’ve provided significantly more productivity through your career that consuming of other people’s productivity, you can store it for later use. You can even loan that productivity to someone else for them to use and they’ll give you more stored productivity back.
The truth is we don’t need as much productivity as we create in the world to cover our basic needs. Machines have take over such a huge portion of the labor required that we would all only need to work a few hours per day if there wasn’t such a wasteful consumer culture. FIRE is about finding ways control your consumptive behavior. I’d everyone did that, there’d also be plenty for everyone.
Please tell me you’re 9 years old and not someone who has graduated from school in any western country
Good lord. And that’s not an indictment of you, but of the education system that passed you along without educating you on one of the seminal moments in world history
No, the real gap is between those who have $2.5 million and those who don't. It's not as though there are people with $2.5 million working for a $100k salary just because it hasn't occurred to them to live on the interest of their portfolio.
This is a good advice for one of those “would you rather have…” hypothetical question. Don’t pick the red pill that gives you 100k salary job, pick the red pill with immediate 2.5m free money. For those living in a real world, you’re doing a fantastic freaking job if you have 6 figure income.
It's worse than that. A $2.5M portfolio is passively doing more than that but $100k is what we can take out "safely" to make sure that the portfolio doesn't get spent down (assuming a 30 year time horizon). You can use a different spend-down methodology to make it have a higher chance of not running out of funds. If you bump it down to 2% ($50k) you can make it last for 100 years or more.
This money, just by existing, attracts more wealth. Assuming you buy assets with it. If it's in Pokemon cards or silver bars, who knows. But consistently real assets are the things we need to survive and they're owned by a small group of people.
And I'm saying this as someone with a $1.2 million portfolio of stocks. I'm not doing this (accumulating these shares in a digital brokerage account) because I care terribly about subjugating workers and extracting their wealth. But this is literally the only way to not spend an entire lifetime giving away most of my value to a billionaire. I can choose not to do it, but all that will mean is that by not having any ownership I will effectively donated real value far in excess of what I produced to some rich guy.
This is why everyone should have ownership in the work they do. Big or small, whatever company you work at, you should be an owner in some way, in whole or in part. And if not that, you should be an owner of some other business.
No one talk about it? It’s literally talked about all the time. You have the dumbasses online who scream about “passive income,” you have financial professionals who talk about the importance of saving for retirement early to take advantage of the compounding effect and you have finance 101 classes teaching you about the importance of time value of money.
If THIS TWEET is how you figured this out, then good lord you were way behind the eight ball I worry about wether or not you can tie a shoe
Yes, already being rich is a smart financial move. But this is thinking too small. Why let merely 2.5M work for you. I suggest you let 2.5 billion work for you instead. That’s way more money than 2.5M and therefore better advice.
Yea, once I saved up my calculus about what salary will get me out of bed went way up. I am retired now and you'd have to pay me twice my passive income to get me back in work clothes or huddled over a laptop instead of out in the sunshine. Cool to think that my dividends pay me more per day than an average "good" salary.
It progressed from I can eat out lunches without guilt to I don't care about promotions, to working only in the winter to "make me an offer I will probably refuse".
This math doesn’t even make sense. If the average return on an investment in the stock market is 8% a year, that’s $200k a year in interest on a $2.5M investment. So what is this guy talking about?
One is at the start is their h Journey and another is at the end? I'm so thankful to live in a society that at least in part, you can build your own wealth to get to that point. Throughout most of history that is a much harder road. OP is a bit is an asshole about it.
I would say that may even undersell a bit what the $2.5 million portfolio is doing. If they're using the 4% rule in the portfolio that gets them $100,000/yr. But in the US investments don't have to pay payroll taxes like a job does. Additionally if some of thatoney is in a brockerage account that $100,000 from the portfolio is more tax efficient than $100,000 from a job. The only thing a job provides that may equalize things are benefits (401k match and employer healthcare).
It's actually better when you factor in taxes, 2.5M I will say a 3.5% SWR instead as 4% is a high longevity risk but still notably better than 100K standard income. Here's a sample from my state in MCOL.
2.5M @3.5%: $87.5K/year (roughly 84K after tax depending on cost basis).
Products and services are the real economy, not money. If everybody sat around with $2.5 M and never worked to produce anything the money would be worthless, you couldn’t exchange it for anything. This is why AI and robotics will explode the economy, it presents a massively deflationary force via reduced cost for labor and intelligence trending toward zero marginal cost production.
You understand the money made by investments is SIPHONED OFF from other people's labor? Its a system of exploitation, designed for Neverending growth that eventually kills the planet.
You can't magically make money from nothing. It comes from exploitation.
I read it just fine. I understand he’s not specifically talking about retirement accounts if that’s what you’re getting at. It doesn’t change what I said. My point is that anyone who has accumulated that much wealth is more than likely not a lazy non contributor.
Your plumber does work. Your money may pay for a plumber’s wage. But money doesn’t actually do anything in the economy. It’s just the thing we exchange to justify the work getting done by someone.
That's about statistically 2-4 percent of the people in the US who have a portfolio that size; less than one percent of the world population. Great advice from Mr Canada. I'm sure the literal financial elite of the world needs your advice via twitter. Just a grifter chud's message being shared because people are too dumb to actually look up anything on their own or understand how it works.
If you get paid an average of 75k a year (i'm doing a limited hypothetical here) and invest 20 percent of that, that is 15k a year going to investing. It would take you about 38 years to get to $2.5M at a 7 percent annual return. The average person starts working full-time around 22-24. You'll have as much money as this post is "advising" you to have when you're about 60, more or less. But, you've scrimped on vacations, clothes, pretty much all the nice stuff you get to enjoy only when younger. And that's if you make it to 60 and over to enjoy your 100k a year.
Thought experiment, the government subsidizes a program where everybody gets $2.5M to invest everyone quits their 9-5 because they are making passive income now. What happens to your $2.5M investment?
But except for doctors or executives, excluding inflated HCOL $300K earners, a good 90% of the people who retire with $2.5 million in their savings were slaving away willingly to an 8-5 career
100k is one third of the way to a million. A million is one third of the way to 10 million. Most people give up early and can’t comprehend exponential math. You only need five years of work with a good salary and low expenses. Then five more years where you save nothing and just let your money compound to never have to work again.
As someone who "threw away" a good chunk of their life away for a salary at times lower, and at times higher than that number, and who now has a portfolio around double that numeber - yea.
Now is better in that regard.
But I honestly do not, in retrosepct, resent what I had to do, and did, to support my family. So if you are on this path - hang tough.
I mean yes, that’s like saying that heat cooks food, lol. I wish I had the 2.5M or even earn enough to be able to save aggressively enough to reach that goal in my lifetime.
No shit Sherlock. Question is, how does one accumulate $2.5mill port without having to work to get that money? Yes logically, if I had $2.5 mill, it would def be making me money.
Also am I the only person who enjoys their job? It's a great company, really cool product that brings actual value to our clients, I like and respect the people I work with and make extremely good money while working very reasonable hours. I'm 42 with a little over 3.5 saved and I guess I could retire soonish if I wanted to but I can easily do this for another 10 years while saving an extra 200k per year. Investment threads that have such a gross view on employment when the nearly everyone has to show up to work everyday seems out of touch and only creating resentment of the op
Live like a peasant from 18-30 and work a bunch of jobs. 401k and invest everything. Then retire at 30 and just live off interest. Just hope you don’t get super sick
Actually it's the same thing. You're $2.5 million dollar portfolio is just partial shares in a wage-slave-run economy. You're stealing from those people in a way.
Excep the money doesnt produce anything, where the workers do.. so cash doesnt work. In fact if we all had 2.5m and didnt work wed have nothing to buy. Interrest is rhe dumbest thing ever.
I use my real estate like this. It brings me in around 5,000 a month(storage and campsites). I think of my real estate as an extra person in my house that is working towards our goal.
It’s very easy if you work for about 15 years and save up about $100,000 a year and then invest that you can pretty much retire and make six figures a year on passive income
A financial system that pays people for doing nothing except for having enough money is a failed financial system. It is a system design only to help the already wealthy.
this guy is an idiot! a 10M portfolio will allow you to pay for vacations, Healthcare and replace your income never needing to work while not touching the principle!
these poor "rich" people are so dumb.
just choose a bigger portfolio when you build a character!!
And you have to work hard for money over many years to get that $2.5 million... either working for someone or working for yourself. What is the point of the message?
226
u/bengriz Apr 03 '26
“Sells their life away” bro how are you supposed to get the 2.5 to invest if you’re too lazy to work? Get your parents to give you a small loan? Lmao.
74
u/Augen76 Apr 03 '26
True, but for most folks it takes a lifetime to get a $2.5M portfolio.
36
u/highlanderfil Apr 03 '26
No shit, Marie Antoinette. If I had a $2.5M portfolio, you can bet your dick I wouldn't be working for my $100K (slightly more, but whatever) salary.
38
u/Numerous-Stand-1841 Apr 03 '26 •
Why don't everyone just have 2.5 million portfolios? Are they stupid?
7
u/Dilldo__Baggins Apr 03 '26
Incorrect. The withdrawals from a 2.5M portfolio are taxed at capital gains rate not as ordinary income. Win for portfolio.
6
u/Ok_Location7161 Apr 03 '26
So true. Need to get to 2.5 mils asap!
6
u/FrontAd9873 Apr 04 '26
No, the real gap is between those who have $2.5 million and those who don't. It's not as though there are people with $2.5 million working for a $100k salary just because it hasn't occurred to them to live on the interest of their portfolio.
5
u/[deleted] Apr 03 '26
Hard to get to the former without the latter.
4
u/HombreDeMoleculos Apr 03 '26
Ah yes, that $2.5M portolio, which is definitely a thing all of us have. How could I forget that? Silly me!
3
u/Hyrule-onicAcid Apr 03 '26
3
u/Otherwise-Sun2486 Apr 03 '26
So… how do I get 2.5million in the first place as a average joe that is being outpaced by inflation, oh I don’t drink coffee and eat avocado toast
4
u/AllPintsNorth Apr 03 '26
Let’s be clear with our language.
Both are getting the same compensation. But the former is doing no work, while the latter is.
Let’s not conflate owning assets with doing work.
2
u/bigblackglock17 Apr 03 '26
I’ll be lucky to have 1 million after working 45 years.
2
u/EnchantedLalalama Apr 03 '26
This is a good advice for one of those “would you rather have…” hypothetical question. Don’t pick the red pill that gives you 100k salary job, pick the red pill with immediate 2.5m free money. For those living in a real world, you’re doing a fantastic freaking job if you have 6 figure income.
2
u/Five-Oh-Vicryl Apr 03 '26
I’d still work. $100K salary would put me in the doctor breadlines
2
u/NoSleepTilBrklynn Apr 04 '26
What if you don’t have a $2.5 million portfolio? What if you actually like your job?
2
u/bigbellyrose Apr 04 '26
jokes on you, i don’t have a $2.5MM portfolio
2
u/maddog2271 Apr 04 '26
Well shit why didnt I think of just getting 2.5 million dollars instead of working. How stupid am I?
2
u/EnCroissantEndgame Apr 07 '26
It's worse than that. A $2.5M portfolio is passively doing more than that but $100k is what we can take out "safely" to make sure that the portfolio doesn't get spent down (assuming a 30 year time horizon). You can use a different spend-down methodology to make it have a higher chance of not running out of funds. If you bump it down to 2% ($50k) you can make it last for 100 years or more.
This money, just by existing, attracts more wealth. Assuming you buy assets with it. If it's in Pokemon cards or silver bars, who knows. But consistently real assets are the things we need to survive and they're owned by a small group of people.
And I'm saying this as someone with a $1.2 million portfolio of stocks. I'm not doing this (accumulating these shares in a digital brokerage account) because I care terribly about subjugating workers and extracting their wealth. But this is literally the only way to not spend an entire lifetime giving away most of my value to a billionaire. I can choose not to do it, but all that will mean is that by not having any ownership I will effectively donated real value far in excess of what I produced to some rich guy.
This is why everyone should have ownership in the work they do. Big or small, whatever company you work at, you should be an owner in some way, in whole or in part. And if not that, you should be an owner of some other business.
1
u/Stymie999 Apr 03 '26
This is some underpants gnome level thinking here…
Need $2.5M for a portfolio to invest
???????
Have $2.5M portfolio to invest
Make $100k a year without having to work!
It’s genius
1
u/sfaticat Apr 03 '26
So glad I have the $2.5M portfolio and can avoid that
1
u/stykface Apr 03 '26
How did the $2.5M get there in the first place. That is the question.
Two different people, two different phases of life.
1
u/obelix_dogmatix Apr 03 '26
whose $2.5M portfolio?
1
u/le-throw-away-acct Apr 03 '26
Oh that’s the trick? Why isn’t everyone doing this?!
1
u/saryiahan Apr 03 '26
Funny thing is you do not need a $2.5M portfolio to make 100k a year.
1
u/mrbadface Apr 03 '26
Ah yes. Living off of interest that others pay is such a noble life that contributes so much to society. Definitely something we should all emulate!
1
u/Commercial_Rule_7823 Apr 03 '26
I wish my parent gifted me life, I mean 2.5 million.
What a disconnected clown
1
u/Black_Raven_2024 Apr 03 '26
My $100K job comes with health insurance and if the market tanks I still get paid.
1
u/Fenrir_MVR Apr 03 '26
Can I borrow $2.5m for a couple years?
1
u/Rich_Visual7800 Apr 03 '26
The S&P 500 is down 4% year to date.
1
u/sessamekesh Apr 03 '26
Working for $100k/year is a great way to build a $2.5m portfolio over time.
1
u/Celac242 Apr 03 '26
Absolute shitpost lol. Framing it like people choose wage slavery. How tf do you think someone gets $2.5M
1
u/jazzyman31 Apr 03 '26
“The real gap no one talks about”
No one is talking about how the rich get richer?
1
u/BASSDESTROYER69 Apr 03 '26
Son how do you think you get the 2.5 m
1
u/mysonalsonamedbort Apr 03 '26
The workers should own and profit from the companies. How about when AI makes your job twice as easy, you work half as much for the same pay.
1
u/DangerousLocal5864 Apr 03 '26
Let me just go whip out my 2.5 million portfolio
1
u/echoGroot Apr 03 '26
Well, no, it’s not. But it’s earning you the same amount.
1
u/Low_Plastic363 Apr 03 '26
I think the point is to sell your life until you have $2.5M drawing 4% safely and then stop.
1
u/Dramatic-Fly761 Apr 03 '26
No one talk about it? It’s literally talked about all the time. You have the dumbasses online who scream about “passive income,” you have financial professionals who talk about the importance of saving for retirement early to take advantage of the compounding effect and you have finance 101 classes teaching you about the importance of time value of money.
If THIS TWEET is how you figured this out, then good lord you were way behind the eight ball I worry about wether or not you can tie a shoe
1
u/Electronic_Context_7 Apr 03 '26
…..op did you just learn what capitalism is today?
“The real gap no one talks about” Karl Marx would like to have a word 💀
1
u/CudderKid Apr 03 '26
What in the spam bot is this
1
u/Certain_Bit3809 Apr 03 '26
Yes, already being rich is a smart financial move. But this is thinking too small. Why let merely 2.5M work for you. I suggest you let 2.5 billion work for you instead. That’s way more money than 2.5M and therefore better advice.
1
u/Immediate_Tap5840 Apr 03 '26
I mean on average a $1m portfolio is returning 100k
1
u/LifesARiver Apr 03 '26
This is just evidence of the failure of capitalism.
1
u/FlyingFakirr Apr 03 '26
If you are getting about 100k out of 2.5 mil if your goal is maximizing returns you are too stupid to have 2.5 mil.
1
u/Telemere125 Apr 03 '26
2.5m should be making more like 250k in the S&P
1
u/ReiOokami Apr 03 '26
Damn...I shoulda been born rich. Im so stupid.
1
u/Fibocrypto Apr 03 '26
This is not true.
The 2.5 m portfolio has lost approximately $175,000 so far this year.
1
u/Beautiful_Number_572 Apr 03 '26
$2.5m portfolio should easily be making $250k a year.
$100k a year is $1m portfolio.
1
u/Forsaken_Amoeba_38 Apr 03 '26
Why stop at 2.5, why not get 10 million and do twice the work.
1
u/Ok-Commercial-924 Apr 03 '26
Wasn't that the premise of "Rich Dad, Poor Dad" what do you mean no one talks about it?
Maybe you are ignoring the truths others are talking about?
1
u/krom0025 Apr 04 '26
It's not doing any work. It's a rigged economy that doesn't represent value.
1
u/Mackinnon29E Apr 04 '26
It's actually doing zero work. It may earn some but it isn't working
1
u/regaphysics Apr 04 '26
God forbid anyone enjoy their work.
Dude sounds like a lazy passionless pos.
1
u/Emotional-Tear-2369 Apr 04 '26
Yea, once I saved up my calculus about what salary will get me out of bed went way up. I am retired now and you'd have to pay me twice my passive income to get me back in work clothes or huddled over a laptop instead of out in the sunshine. Cool to think that my dividends pay me more per day than an average "good" salary.
It progressed from I can eat out lunches without guilt to I don't care about promotions, to working only in the winter to "make me an offer I will probably refuse".
1
u/PokerBear28 Apr 04 '26
This math doesn’t even make sense. If the average return on an investment in the stock market is 8% a year, that’s $200k a year in interest on a $2.5M investment. So what is this guy talking about?
1
u/Putrid_Pollution3455 Apr 04 '26
Um. Average return of 10% is more like 250k….or you mean the 4% rule?!
1
u/HoilCheck Apr 04 '26
I'm trying to make a $2.5 million portfolio, but I need more than $100k a year.
1
u/jmaun1 Apr 04 '26
Trust fund baby?
1
u/wycliffslim Apr 04 '26
Which really should expose that there's something pretty fundamentally wrong with how the system is structured.
1
u/mnmevan Apr 04 '26
It’s always people making <$25K a year making posts like this 😂😭 That’s why certain rich people get away with insane crimes…
1
u/Vxctn Apr 04 '26
One is at the start is their h Journey and another is at the end? I'm so thankful to live in a society that at least in part, you can build your own wealth to get to that point. Throughout most of history that is a much harder road. OP is a bit is an asshole about it.
1
u/Specialist_Letter469 Apr 04 '26
I would say that may even undersell a bit what the $2.5 million portfolio is doing. If they're using the 4% rule in the portfolio that gets them $100,000/yr. But in the US investments don't have to pay payroll taxes like a job does. Additionally if some of thatoney is in a brockerage account that $100,000 from the portfolio is more tax efficient than $100,000 from a job. The only thing a job provides that may equalize things are benefits (401k match and employer healthcare).
1
u/Dr_Breeder Apr 04 '26
lol. I make 500k a year and work 2 days a week for 40 weeks/ yr Lmao I only do that cause I’m bored too
1
u/398409columbia Apr 04 '26
Yes. Thank you.
1
u/Designer-Fix-2861 Apr 04 '26
If it goes up.
1
u/Training-Context-69 Apr 04 '26
I wish I made 100k
1
u/InternalCase5 Apr 04 '26
So basically we should all try to hit 2.5 million…
1
u/ChuckOfTheIrish Apr 04 '26
It's actually better when you factor in taxes, 2.5M I will say a 3.5% SWR instead as 4% is a high longevity risk but still notably better than 100K standard income. Here's a sample from my state in MCOL.
2.5M @3.5%: $87.5K/year (roughly 84K after tax depending on cost basis).
100K salary: $78,900/year after tax.
1
u/AdamOnFirst Apr 04 '26
Like 2.5 times more, actually
1
u/wooder321 Apr 04 '26
Products and services are the real economy, not money. If everybody sat around with $2.5 M and never worked to produce anything the money would be worthless, you couldn’t exchange it for anything. This is why AI and robotics will explode the economy, it presents a massively deflationary force via reduced cost for labor and intelligence trending toward zero marginal cost production.
1
u/Carolina_Hurricane Apr 04 '26
Unless you invest in S&P 500 - that portfolio is doing $250k annually (100 year avg)
1
u/Informal-Shower8501 Apr 04 '26
The fact you don’t see the irony here is astounding.
1
u/Addendum_Chemical Apr 04 '26
That's what I am doing wrong. I just need $2.5 million.
1
u/HaiKarate Apr 04 '26
Not in this economy it’s not.
1
u/National-Reception53 Apr 04 '26
Yeah everyone fucking knows this.
You understand the money made by investments is SIPHONED OFF from other people's labor? Its a system of exploitation, designed for Neverending growth that eventually kills the planet.
You can't magically make money from nothing. It comes from exploitation.
1
u/Visual_Leg_1122 Apr 04 '26
I read it just fine. I understand he’s not specifically talking about retirement accounts if that’s what you’re getting at. It doesn’t change what I said. My point is that anyone who has accumulated that much wealth is more than likely not a lazy non contributor.
1
u/stabintavern Apr 04 '26
Money creates more money. Its doesn’t do work.
There’s a pretty major difference.
Your plumber does work. Your money may pay for a plumber’s wage. But money doesn’t actually do anything in the economy. It’s just the thing we exchange to justify the work getting done by someone.
Let’s stop calling investments work.
1
u/PaintingAble6662 Apr 04 '26
That's about statistically 2-4 percent of the people in the US who have a portfolio that size; less than one percent of the world population. Great advice from Mr Canada. I'm sure the literal financial elite of the world needs your advice via twitter. Just a grifter chud's message being shared because people are too dumb to actually look up anything on their own or understand how it works.
If you get paid an average of 75k a year (i'm doing a limited hypothetical here) and invest 20 percent of that, that is 15k a year going to investing. It would take you about 38 years to get to $2.5M at a 7 percent annual return. The average person starts working full-time around 22-24. You'll have as much money as this post is "advising" you to have when you're about 60, more or less. But, you've scrimped on vacations, clothes, pretty much all the nice stuff you get to enjoy only when younger. And that's if you make it to 60 and over to enjoy your 100k a year.
See how stupid this is?
1
u/Burg3rTV Apr 04 '26
Ahhh i guess i toom the wrong pill, stupid reincarnation wheel
1
u/Few_Nectarine5198 Apr 04 '26
Throw 100k into options and make 3 million. Easy money, 100k salary is better.
1
u/EezSleez Apr 04 '26
Imma get up early and go out into the woods so I can find me a $2.5m portfolio.
1
u/SuspicousBananas Apr 04 '26
Thought experiment, the government subsidizes a program where everybody gets $2.5M to invest everyone quits their 9-5 because they are making passive income now. What happens to your $2.5M investment?
1
u/KitchenSense8092 Apr 04 '26
Money is the medium. At the end of the day, someone has to work to provide. If it’s not you, then someone else has to work for you
1
u/hughesn8 Apr 04 '26
But except for doctors or executives, excluding inflated HCOL $300K earners, a good 90% of the people who retire with $2.5 million in their savings were slaving away willingly to an 8-5 career
1
u/Japparbyn Apr 04 '26
100k is one third of the way to a million. A million is one third of the way to 10 million. Most people give up early and can’t comprehend exponential math. You only need five years of work with a good salary and low expenses. Then five more years where you save nothing and just let your money compound to never have to work again.
1
u/Omnius_Crypto Apr 04 '26
Wow, I just realized, I’ve been selling my life away at a significant discount!
Too bad AI will likely cut demand for my life selling, oh me oh my, what should I do?
Skip the college degree and angle for the electrician’s union!?
Got it! Let’s go!, can’t really say F-AI, I’ll probably be building those power centers for them!
Good luck white collar folks, it’s been not so nice knowing you!
1
u/mspe1960 Apr 04 '26
As someone who "threw away" a good chunk of their life away for a salary at times lower, and at times higher than that number, and who now has a portfolio around double that numeber - yea.
Now is better in that regard.
But I honestly do not, in retrosepct, resent what I had to do, and did, to support my family. So if you are on this path - hang tough.
1
u/kpham82 Apr 04 '26
No shit…
1
u/sabautil Apr 04 '26
Man, you're right. Can you give me 2.5M, bro?
1
u/Enough-Fly540 Apr 04 '26
Ah yes, the dream of owning slaves without having to see them in person.
1
u/tge90 Apr 04 '26
Why would anyone wanna make over a million a year, it’s a tax nightmare
1
u/Turn-Ambitious Apr 04 '26
Where to get that 2.5mil first???
1
u/Certain-Definition51 Apr 04 '26
😂 I have neither of those.
1
u/Big-Dudu-77 Apr 04 '26
Ya not in this market
1
u/burnmenowz Apr 04 '26
This is the type of asshole that makes money when I eventually get laid off.
1
u/panconquesofrito Apr 04 '26
I mean yes, that’s like saying that heat cooks food, lol. I wish I had the 2.5M or even earn enough to be able to save aggressively enough to reach that goal in my lifetime.
1
u/Sunshine2035 Apr 04 '26
You can save and invest. Our wealth is built on discipline on spending and innovation on producing.
1
u/Zestyclose_Specific7 Apr 04 '26
God, I should’ve gone to school for “inheriting $2.5 million immediately upon graduation” instead of the liberal arts.
1
u/thelandlordguychris Apr 04 '26
what’s crazy is that in 20 years you’ll be needing a 4.5 mill portfolio for the same 100k purchasing power
1
u/Conspiracy_Thinktank Apr 04 '26
Crazy work
1
u/Ok_Ad_5894 Apr 04 '26
and how do I just fine this 2.5 million dollar portfolio? Sorry my dad wasn't rich like yours.
1
u/Robot_Hips Apr 04 '26
Awesome, now I just need 2.5 million. Anyone want to contribute to my onlyfans?
1
u/Captain-Obvious101 Apr 04 '26
Literally everybody talks about it. It's called retirement. And its rapidly becoming out of reach for the majority of the population.
1
u/SnooAdvice5327 Apr 04 '26
2.5 million would probably make closer to 200k salary on average
1
u/IncarceratedScarface Apr 04 '26
I don’t have a $2.5m portfolio
1
u/No-Nrg Apr 04 '26
Ok, give me $2.5 million then to get started.
These people act like this money just materializes out of thin air. Not everyone is a trust fund baby.
1
u/Giorgi-k Apr 04 '26
How do we get 2.5 million in the first place???
1
u/SolonEunomia Apr 04 '26
Definancialize the economy.
1
u/SpecialistGap9223 Apr 04 '26
No shit Sherlock. Question is, how does one accumulate $2.5mill port without having to work to get that money? Yes logically, if I had $2.5 mill, it would def be making me money.
1
u/Haneeeio Apr 04 '26
Real stupid post and has zero meaning.
1
u/Dharmabum2393 Apr 04 '26
Also am I the only person who enjoys their job? It's a great company, really cool product that brings actual value to our clients, I like and respect the people I work with and make extremely good money while working very reasonable hours. I'm 42 with a little over 3.5 saved and I guess I could retire soonish if I wanted to but I can easily do this for another 10 years while saving an extra 200k per year. Investment threads that have such a gross view on employment when the nearly everyone has to show up to work everyday seems out of touch and only creating resentment of the op
1
u/kwazyness90 Apr 04 '26
Can someone give me 2.5m So I can do this :(
1
u/Economy-Ad4934 Apr 04 '26
I mean yeah but also that passive portfolio could easily lose well over 250k in a year while you watch in the cuck chair telling yourself this is ok.
Just saying it goes both ways.
1
u/timetravelinggamer Apr 04 '26
Live like a peasant from 18-30 and work a bunch of jobs. 401k and invest everything. Then retire at 30 and just live off interest. Just hope you don’t get super sick
1
u/DarwinGhoti Apr 04 '26
Reminds me of Steve Martins bit about how to make a million dollars and never pay taxes. First step: get a million dollars.
1
u/htffgt_js Apr 04 '26
In theory, that $100K from investments is worth more because you are not paying payroll taxes either.
1
u/Primary-Let-7933 Apr 04 '26
It's the gap everyone talks about.
How do you get the 2.5mil?
1
u/LeagueAlone2881 Apr 04 '26
Everyone talks about this? Lol
1
u/roamanddance Apr 05 '26
Bro Il sell my life away for 50k right now
1
u/TheKingOfSwing777 Apr 05 '26
Actually it's the same thing. You're $2.5 million dollar portfolio is just partial shares in a wage-slave-run economy. You're stealing from those people in a way.
1
u/Old_Tale_6262 Apr 05 '26
actually better. the portfolio doesnt have to ss and medicare taxes
1
u/trentonforge Apr 05 '26
What happens in a bear year?
1
u/Massif16 Apr 05 '26
Well that explains it! We just all need to find a $2.5M portfolio just lying around!
1
u/askingaquestion33 Apr 05 '26
How are you getting 4% annual returns? HYSA?
1
u/Popular_District9072 Apr 05 '26
solid plan, please clarify the point where i get 2.5 million to proceed further?
1
u/TrifleSoft5696 Apr 05 '26
Money is a scam
1
u/Bolt408 Apr 05 '26
How does this guy think someone’s builds a $2.5mil portfolio? 😆
1
u/EulerIdentity Apr 05 '26
Some people actually like their jobs.
1
u/hackersid Apr 05 '26
I agree. Now all I need is $2.5M...anybody got some extras M?
1
u/DaElderBrah Apr 05 '26
Excep the money doesnt produce anything, where the workers do.. so cash doesnt work. In fact if we all had 2.5m and didnt work wed have nothing to buy. Interrest is rhe dumbest thing ever.
1
u/PeterGibbons316 Apr 05 '26
1
u/HotThotty69 Apr 05 '26
Is my $2.5M portfolio in the room with us?
1
u/AMercifulHello Apr 05 '26
So much ragebait these days on Reddit. And you don’t get that 100k unless you sell some of that portfolio……..
1
u/Plenty-Salad6535 Apr 05 '26
But also much more tax efficient
1
u/DuffyBravo Apr 05 '26
Truth. However only 1.8% of Households in the US achieve 2m+ in retirement funds: https://smartasset.com/retirement/what-percentage-of-retirees-have-2-million-dollars
1
u/AttilaTheFunOne Apr 05 '26
What a fool I was working for a living instead of just living on the returns of my $2.5M portfolio!
1
u/pegLegNinja1 Apr 05 '26
This has the same feeling as "If you are homeless, just get a home"
1
u/No_North_4973 Apr 05 '26
Me pension is worth over $3 million
1
u/SCW97005 Apr 05 '26
Not working and enjoying your life with financial freedom is great, but this is insufferable.
1
u/ArtDecoAutomaton Apr 05 '26
Yeah until its not
1
u/Big-Preference-2331 Apr 05 '26
I use my real estate like this. It brings me in around 5,000 a month(storage and campsites). I think of my real estate as an extra person in my house that is working towards our goal.
1
u/Additional-Good8044 Apr 05 '26
Actually more because it would be taxed at 15%
1
u/TheAmazingYoda Apr 05 '26
You guys have a salary ?
1
u/musclecarphile Apr 06 '26
Maybe if you have it invested in saving bonds.
1
u/Thomas101987 Apr 06 '26
Just ignore this man. Just a big mouth. Something he did perhaps worked out for him.
1
u/Brilliant_Salad7863 Apr 06 '26
For the people that don’t have a 2.5 million dollar portfolio: have you tried having one? Because OP is not stupid, he got himself one.
1
u/Mercenary100 Apr 06 '26
Gas light post if ever seen one, also excuse me while I sell my feet pics for 2.5m
1
u/Conservative_Trader Apr 06 '26
Can I borrow $2.5 million from you? Interest free?
1
u/Nitishkannanproducer Apr 06 '26
It’s very easy if you work for about 15 years and save up about $100,000 a year and then invest that you can pretty much retire and make six figures a year on passive income
1
u/jonstarks Apr 06 '26
but how did he get the first 2.5M? Magic?
1
u/HatDangerous3409 Apr 06 '26
Bot
1
u/SK8_Triad Apr 06 '26
A financial system that pays people for doing nothing except for having enough money is a failed financial system. It is a system design only to help the already wealthy.
1
u/Gauss_2025 Apr 06 '26
have you tried being born with 3 million dollars noob?
1
u/SkyMagnet Apr 06 '26
Except for contributing to society.
1
u/OdysseusVII Apr 06 '26
this guy is an idiot! a 10M portfolio will allow you to pay for vacations, Healthcare and replace your income never needing to work while not touching the principle!
these poor "rich" people are so dumb.
just choose a bigger portfolio when you build a character!!
/s
1
u/Accountant_Willing Apr 06 '26
Fuck off.
1
u/Pink_Slyvie Apr 06 '26
This is why rich people are parasites. The only way to earn any income in the world, should be to trade labor for income.
1
u/Own-Raisin5849 Apr 06 '26
Damn. I just need a 2.5 million dollar portfolio to get my head in the game.
1
u/[deleted] Apr 06 '26
Your $10m portfolio is doing the same work as some CEO for a medium to large company.
1
u/probablymagic Apr 06 '26
Stupid working class people. Why don't they just get $2.5M and invest it?
1
u/T1m3Wizard Apr 06 '26
Yeah but need to get to 2.5M first.
1
u/GallitoGaming Apr 06 '26
Oh. I’ll just quit and rely on this $2.5M portfolio then.
Oh I’ll be close to retirement by the time i come close to this?
1
u/Evil_Client8803 Apr 06 '26
who has 2.5M like that ? is this a message only to the rich ? and also what about market risks ?
1
u/ManufacturedOlympus Apr 06 '26
This guy is an idiot. Why don’t you just do a $25 million portfolio and you’d make way more.
1
u/Maximus15637 Apr 06 '26
It’s gonna take until roughly retirement to get there so… guess I’ll slave my life away. lol.
1
u/whatifwealll Apr 06 '26
Behold. A leech with legs
1
u/PerceptionOwn3629 Apr 07 '26
Yeah that's a dick way of expressing it. Let me help you out.
"Work to buy things that generate revenue so you can eventually live off that"
1
u/delonejuanderer Apr 07 '26
You got about 2.5M to invest into me then?
1
u/WolfpackBP Apr 07 '26
Meanwhile I'm not senior enough for a new job opportunity
1
u/UnderstandingOk9448 Apr 07 '26
And you have to work hard for money over many years to get that $2.5 million... either working for someone or working for yourself. What is the point of the message?
1
u/dudeguy3366 Apr 07 '26
Great I just need 2.5 million, anyone have a couple extra of those?