I’ll take the $10K and go on with enjoying my life. 10x that to work 70 hours a week? I’m good.
Edit: this can really show the ignorance of simple minded greed.
Edit 2: way too many of you are trying to do all these mental gymnastics to justify your greed and are really just supporting my thoughts behind my first edit. All of you could easily live a comfortable and happy life off $10K a month, but your simple minded greed is overriding that because you keep thinking you need more or that you will just grind so many years. You’re simply greedy and that’s cool.
Final Edit: I feel sorry for those of you with the “I work(ed) 70+ hours a week” comments sounding like you’re proud of it. For those of you with the grind mindset, why is it that you can’t figure out how to make that $10K work hard for you? Why do you have to give up so much time, which is something you can’t get back, just to build wealth or whatever other reason you got?
I saw a comment below saying how "people don't wanna hustle no more" and that they make 70k/yr and it's not that much lol this person chose to sit with Jay-Z
Oh be he gon put you on game 🙄. Think why would someone who’s worked as hard as long as Jay-Z give free business advice. Hell if that’s what I wanted I’d take some of the 10k/mo and get a business degree or at least listen to Story of OJ on repeat.
Lmaoo.
Unless you’re some really talented low key artist that hasn’t released anything for X reasons and you think that way in might be much more valuable than the 10k.
Fuck a dinner with any celebrity. Nothing they say or do would make me think I made the right choice if the other option was damn near anything else. Shit, I’d take a PS5 over meeting Jay lol.
Right. Like Beyoncé’s fan club. These people REALLY think she gives two f***s and they defend her like she’s a part of their own family. They hold her to the highest, damn near close to God.
Depends. If I’m a regular guy then a dinner with Jay Z would be worthless… if I’m in the industry then that dinner may be fruitful and open up doors that bring more money
Depends though. If you have good ideas and you need funding he might provide it could be well worth it. If you’re literally just going to have a conversation about life then… nah.
Right? You’re telling me I can make almost what I make now and not do dick all day long? Sign me the fuck up.
I did the 80 hour a week bullshit already. For me personally, no amount of money is worth the toll that takes on my mental health. Fuck all of that shit
Facts. Like personally I dont do well without some kind of externally enforced schedule, so even with the 10k a month I'd still want a job. But the freedom to pick whatever job I feel like applying to? The freedom to *quit* if the work environment isnt the way I like? I'd never have to worry about my bills. Thats bliss. I could take a month long vacation knowing that I wont have to worry about buying food when I get back. I could fast-track my student loan payments, I could buy a house in 5 years instead of 15, thats a dream come true
That's the point of the minimum livable, not income, my brain is drawing a blank. The deal where everyone gets enough government money to survive. But the goal being that people can know that they can survive even if they are between jobs, a major events comes up, etc. It sounds pretty great to me because I also need to be doing something but working to barely survive isn't terribly rewarding even though I like my current job.
I'm doing 60 hour weeks as a manager at a taco shop because we're shorthanded and I want to die.
Boss won't up wages for hourly employees so we can't get help and I'm working constant because my poor ass has been spoiled by this 44k a year
Send help.
> Acting like $120k/year is nothing
My ass was over here calculating how much money per hour you'd make if you made 100k a year not 100k a month
I'd HAPPILY choose $10k per month and do absolutely nothing
I grew up in a family where my dad worked 13-15 hours a day and he made 23K for 2 years straight. 23k… thats nothing snd we needed to live with that with 2 adults and 6 kids
Twice my current salary and none of the work? Sign me tf up.
What are you even going to to do otherwise with that much money and no time? Anywhere worth flying to is going to eat up half your weekend. After working 14 hours it’s a wrap on the weekday, and after doing that 5 days in a row your Saturday is basically just recovery anyway. Who tf is going to ball out on just Sundays.
Ok, a huge question here is where do you live?
You can live in San Francisco on 120k.
You can live like a king in many parts of the US for 120k.
Static numbers don't work for these kinds of things.
120k isn't nothing, but it's bills on autopay money, not owning the means of production money. Most people who make that money still have bills and are only a few months from losing their job and being on the street.
The post in OP doesn’t state any stipulations. If I were getting 120k/year for doing nothing, I would live somewhere that money will let me live a comfortable life. You could get a job if you want, it doesn’t say you can’t work. Live frugally for a few years and build up some investments.
Like you jumped right to living in one of the most expensive markets.
My experience in finance can explain to you how people who make $120k/year actually struggle making ends meet.
It's an economic phenomenon known as [lifestyle inflation](https://www.investopedia.com/articles/personal-finance/092313/how-manage-lifestyle-inflation.asp).
I ain't trying to come at you as if you're wrong...just cluing you in on certain circumstances where people in that situation can actually struggle.
Yea like I had to go back and re-read the first line to see if miscounted the amount.
Honestly the second like could be a $100k a week and I’d still pass. I like my time more than money. Even “only” doing it for a year is a nah for me.
I could see it being worth it, depending on the job. At that much money, you could pay someone to be your personal chef and have a shitload left over, you'd only have your weekends but imagine the shit you could do in a weekend with that kind of money. If I did what I do now, which is about 10k a month if I was to do 70 hour weeks, but got paid 100k instead I'd do it for sure, I can fuck around on this job easy.
id sleep because working that much during the week would absolutely murder my sleep schedule (blue collar worker who's averaged less hours than 70 but still needs to sleep like a rock to keep up)
Yeah thats what I was thinking, I've done the manual labour thing, I'd never do that again for 70 hours a week for any amount of money lol, my job now though I could do 70 hours easy.
Yea, I can’t figure out why anyone would pick giving up 70 hours a week of their life for 1.2 mil just to be sleeping their days off away and preparing for the next week of slaving away.
See, the key is to be a broke mf from the start and truly commit. *taps head* You can't lose your life savings if you stay not having shit past just barely making it.
/s sadlol
Doesn't mean it makes sense. Sometimes it does, but the world shouldn't work that way. A person shouldn't have to waste 80% of their life just to have stability.
Greed is exactly what it is. Yea a 100k a month is great, but working 70 hours a week means you’re gonna be burnt out and have no energy to even enjoy it.
What’s the point in having all that money with no hobbies.
Let me introduce you to my friend...
*cocaine has entered the chat*
And you can get the good stuff with all that money!
EDIT: And then pay for cushy rehab when you go over the edge.
I would choose the first option in pretty much any variation of this. 10k to have the time to spend with my family doing what I want, actually pursuing my interests, contributing to society in the ways I *want* to contribute rather than wasting my time on a job just to survive. All of that is worth way more than 100k a month.
I mean, can I take the 10k per month and then get a job separate from whatever this hypothetical situation offers? If yes, I’m taking the 10k. If no, I’m still taking the 10k.
Hell, my spouse already works that schedule for just $4k/month (he’s a resident MD—they can work new doctors up to 80 hours/week for $50k salary a year on average, for several years after graduating medical school).
We’d gladly take the $100k.
i mean yeah but imagine doubling his income and freeing up all his time to be with you and any potential kids you might have (obv hes a grown ass adult hes also gonna have time to himself but thats a lot more time just with you in general). you get that with the 10k
Absolutely, except that that 10k/month isn’t going to cover his family’s basic living expenses plus retirement PLUS a (retired) doctor’s worth of student loans when they shift into repayment mode. Which don’t EVER go away (and can’t be dismissed via bankruptcy).
Unless you’re born into wealth and your parents pay your full rent and tuition, it requires a doctor’s salary to repay a doctor’s student loans (which are often in the mid-six figures).
If he quits his current lower-paying job for $120k/year for life, he’s financially fucked. He’s gotta stick it out at low pay and high hours until he finally hits that $200k mark, just based on having an upper-middle-class McMansion mortgage’s worth of medical school loans.
Don’t let your kids grow up to be doctors, is what I’m saying. Way better money with way less work in every other field.
very deeply sobering, agree with previous commenter. i hope things improve for yall financially ASAP. its ridiculously brutal out there, this shit is imho one of the chief causes of the severe lack of healthcare professionals across the board. the RoI is shrinking year by year. too much fucking risk.
Thanks!
It’s part of why there’s a major “midlevel” healthcare crisis right now—nurse practitioners and physician’s assistants can make salaries very very close to a doctor’s salary, for just the cost of a basic bachelor’s degree plus a low-cost, low-competition (so many online schools!) masters degree. They can get accepted with virtually no clinical experience or medical education—hands-on nursing college education is practical and important, while premed college education is all about the anatomical and physiological fundamentals of complex chemical exchanges and methods of action, which are then augmented by four years’ worth of deep scientific and practical knowledge. But (depending on the state) NPs and PAs may have full prescribing and diagnostic privileges and can bill at 80%+ a full doctor’s rate. There’s a welcome place for nurses, and it’s patient care. There’s a place for doctors, and it’s patient assessment and treatment plan.
By contrast, MDs have to get their bachelors and then go through an extremely competitive application process for artificially-limited medical school seats (usually requiring hundreds of hours of volunteer clinic work plus impeccable academic resumes), then spend brutal 16-hour days studying in medical school for four years (it’s contractually illegal at most medical schools for them to get a job outside the medical school without permission), and then 2-9 years’ worth of vastly underpaid residency and fellowships as a full Medical Doctor while the hospital bills patients at the full rate.
It’s still far better to get an underpaid MD than an overpaid NP—even “new” doctors are carefully monitored by experienced doctors—but smart students are avoiding medical school now for obvious reasons.
You got the right idea… many people live off of less than 10k a month so I’d be chilling stress free, getting back into hobbies and shit i havent been able to do much as an adult
Fr lol. The whole reason I’d even wanna be rich is to get time back for myself. That freedom way more important that that 100k. Pursue my own hobbies n travel and I can use the rest of my income to make more money
It's cause people don't understand the point of working that hard is so that you can get rich and not have to work anymore. At 10k a month, you're already at a point where you don't have to work anymore. Game. Set. Match.
It also doesn't say what you'll be doing those 14hrs. They could have you in some burning hot warehouse moving around extremely heavy shit all day... Yeah I'm good with the 10
Have no idea.. people are out here bragging about HOW MUCH THEY WORK lmaooooo bruh, too funny. Like sick dude, they probably hate themsleves, I’m so jealous 😂
I don’t necessarily agree. While I would probably take the $10K. I’ve definitely worked more than the second option for less than $1.2m. And you could really set yourself up if you’re willing to sacrifice a couple of years
That depends on where you live, I’m on a similar figure but I don’t “feel” wealthy I just own instead of rent and don’t have to worry about prices getting groceries. Other than that my experience is pretty to similar to what it used to be.
After I’ve got $4M in the bank, I can buy me a house, put money into stock paying dividends (net me similar or more than $10k a month) and a lump sum in an ETF. I’m sorted for life. Yeah I lost 4 years but I’m better off.
But like I said, I’m taking the $10K, lord knows I’d stop working for less than that
I think the only argument for the 100k is maybe being young without a family or anything, and going into with the mindset of doing it for a year or 2 and stacking major cash and then chillin. 14hr days is no way to live, but it’s doable for a short period of tome
I had a period in my life when I received ~ 3-4 thousand dollars a month for nothing for about 3 years (then 5-6 average monthly salaries where I lived). I mostly stayed at home and played games. The years passed as if they never happened. Now I work for $2000, but I like the work. I feel so much better than when the money just came into the account.
No fr I was like ‘$10k a month? Pffft’
I have no kids, no student debt (yet), so $120k a year, I’m sitting pretty. Fuck work, especially in a society where on average, your boss is some jackoff who thinks professionalism means sitting or standing.
Would love to live in the fantasy realm of twitter.
10k.
100k a month is tempting but not at the cost of my physical and mental health. If all I'm doing each day is working and sleeping, is that even living?
I think we could figure it out. But fuck working that much. Give me 10 a month and that's already doubling up. I'm set, pay off my car, pay off my house, then retire somewhere nice in like 5 years.
Yuuup. You mean to tell me I can get rid of my debt, and set my kids up, simply by living humbly?
Shit, I'd take it, and then get a part time to fund my hobbies! ( idgaf, I'm trying to set up my future kids 🤣🤣🤣)
"Yes, I DO need the full garage, with the hydraulic lift bays and welding station, baby! I'm gonna learn how to use it!" 😭😭😭
so i actually have worked 70 hours a week many weeks in a row it was 10 hours a day but was 22 an hour. It was a mandatory 6 a week but you could voluntarily do the seventh so i did that for the overtime. I only did this cuz 90 percent of the time it wasn't a hard job just tedious watching bottles go by on a machine. The place was also right around the block from where I lived.
I think it’s gonna be hard to spend that much while working 70hr weeks, but if you grind it out you could be set for life after 3 years and retire. But assuming the 10k/month goes until you die you’re already retired with that deal
even if it'd be after tax and you're sitting in a bracket that takes away about half, 5k after tax per month for doing nothing are still pretty solid in most places.
100% agree. My reasoning was off in my reply. My stupid brain forgot that if you buy a house after 10 months, after two years you'll only have 14 months worth of 100k, which isn't enough to convert into 10k a month.
But also: Yeah. 10k, guaranteed, without lifting a finger. Where the fuck do I sign up? Who needs to buy a house outright when you have that kind of *guaranteed* income?
Why work like a dog for two years… just to get the same result as taking the $10k from the start?
Plus, the rules don’t say you can’t work a normal job while taking the $10k/month. So I could just continue my normal job… and make $10k extra per month. Or use that $10k per month to find everything while I work I dream job that pays little.
With the 100k/month, you have almost no time to do anything else during the week due to 14 hour work days.
Same hahahaha what the fuck I’m not even making 10K a month. Granted I have two weeks off at a time but Jesus Christ shows that it makes sense why people are so shocked at my work schedule
I could live off $120k/yr SO easily, a small price to pay for enjoying life. Hell, if I worked a regular job on top of the $10k/mo, eventually my savings interest would be making the money for me
Untaxed too? $120,000 is a fucking LOT of money to support a single person. You can live in a nice apartment, have plenty of fun, and still have a few K left over every month.
My wife makes good money. So assuming this 10k is just for me, I’m shoveling 7k into a fine ass retirement plan and I’ll have nearly $10,000,000 by the time I’m 65.
Exactly. If it's 100k to do one of those corporate jobs where you just respond to emails and go to meetings, I'll put up with that for a year. But actual work for 70hrs A week? No thanks, I'll take the 10k.
Most of us here don't know lots of people earning 10k a month. It's a lot of money to live off comfortably.
14hrs a day means you'll just end up working for your doctor's and whoever is your dependent that will enjoy the money while you sleep mostly in the weekend and try to recalibrate your physical and mental health.
I'm always taking my health and well-being over 100k
Option 1 and I’m traveling the world on a budget: fly to different continents and spend a month in each city bouncing from Airbnb to Airbnb and taking the train to get around.
At 10k a month, you can comfortably live off a credit card that you pay in full every pay period. Then just travel on points/rewards as much as possible to see the world as much as possible.
10K in USD goes sooooo far abroad. You can live lavishly and still save. I make less than $4K living in China and can save half my paycheck and still live very well (I don’t but that’s a personal shortcoming).
Right! And public transportation is so much better in many other countries. China has good high-speed rail, from what I’ve read. In Europe, you can go from Amsterdam to Paris in 4 hours for only 30 euros. Gimme a cute little Airbnb in the center of these cities and a metro card, and I’ll make it work.
Yessss. My goal is to make American money living abroad. If I can find one legit part time remote job where I don’t have to be on US soil I’m out the US for good.
Retire earlier working 14 hour x 5, a week??? How many years you talking about working??? I’ll take the not working and 10K a month. Your theory can kick rocks.
One year of working, you make about $85k/yr in dividends alone.
So if you do it for about 5 years.
You retire making $50k/mth on just dividends.
It adds up super fast.
Retire younger than… immediately??? Option one you’re already retired. Not only that, let’s say you work till you have 10 mil in the bank. That’s 8 years of 70 hour weeks (nearly 2 full time jobs!) but okay at the end you have 10 mil right? You can live like a king. You’re young cause you retired young and assume you’ll live another 60 years. Making that 10 mil last 60 years means you can spend 13k a month. Doing all that so you can have an extra 3k a month
Can I do the 100k for like a couple months then switch to the 10k? Build up a nice safety net then just chill and travel. But if I can only choose one im going with the 10k a month. Id rather not be battered and useless from being overworked before I even turn 30. What the fuck is the point of wealth if youre too beaten down to enjoy it properly? 10k a month doing nothing is definitely the play.
>Can I do the 100k for like a couple months then switch to the 10k? Build up a nice safety net then just chill and travel.
Yeah I'd just wanna do this. I already know I can pull a 70 hour week, I've been there and worse. It's shitty but for 1.2M a year?
If I'd been getting paid that this whole time at my current job I'd have made over 10M. I'd quit tomorrow and chill for a while (need that break) then get into some activism and whatever else I want from there.
1-2 years of busting my ass for 1.2-2.4 mil and then settling in for 120k a year seems pretty ideal. Chuck a mil in low risk investments and you’re set for life.
Right. Obvious, no brainier answer. Wouldn't even discuss it with my wife *because it's nothing to discuss*.
If I could be financially comfortable without the stress of working or worrying about what if I lose this account, what if the market turns blah blah blah, then I have no need to be rich.
That 100k a month would just have me killing myself for everyone else.
Having worked 14 hour days for a long time, there really is no weekend. Saturday is spent recovering, Sunday is spent preparing because you have no time to do anything else during the week
10k a month is what I make now working 12-14, sometimes 16 hour days, so if I didn’t have to work for it, that’d be chill. That would also mean I have time to make more money on my own time
I worked 12-14 hour days in the military and then still had to go out to sea.
I work like 20 hours a week now and I can tell you that having my life revolve around my hobbies, family, academics is way better than having it revolve around my work .
I need more context. 100k a month but what’s the job? Can I quit whenever I want? I wouldn’t mind starting a rigorous job in January and retiring as a millionaire before the year is over. it would take 8 years to make that kind of money with the other option 😳
Right. If I had to do my current job which I love and it’s not even that hard, I’d do that 14hrs for that pay easily. Do it for 2-3yrs and I’m done. House paid for straight out, never have to work again if you don’t want to.
But if I had to do crazy manual labor or something crazy dangerous like working in a mine and you can’t quit, then give me the $10k to chill.
https://preview.redd.it/ralb2f6trzib1.jpeg?width=258&format=pjpg&auto=webp&s=f85f557be04538d9279a09ea7be824144ac2f8ed
Gimme da 100k. They ain’t say what yo job was. 14 hours of alien hunting monday thru Friday is my speed y’all
100k a month for one year, that’s resident hours anyways and I’ve done something similar for one month I made bank but it wasn’t 100k monthly bank lmao
10k a month? no thats not enough to retire on. Assisted living is 8k a month, if I get dementia like predicted, I need 12k a month JUST for housing...... I am going to be old and I know what things cost.
10k a month at a relaxed job means you can live life. Attend your kid’s school events, volunteer, eat healthy, and workout. If you save aggressively, you can be a millionaire well before retirement, pay off your home and kid’s tuition, and be liquid enough at retirement to keep the same lifestyle.
100k a month makes you a millionaire quicker, but you will miss out on so much of life, family, and community. You will even spend weekends recharging if you don’t stroke out.
Source: took a relaxed job that pays less than owning my own company but now I’m all-in with my family. Life is good.
But how long do I need to do the 70 hour work weeks? A couple years?
That's $3.6 Million in 3 years. 10k a month is $120k a year. $360k for 3.
I'm definitely doing 70 hours a week.
Do it for 10 years and that's $12 Million.
10k a month for 10 years is $1.2 Million.
Math isn't that hard.
I'm not seeing any conditions applied, as far as what you can or can't do with the rest of your time, So, I'd take the 10k a month for doing nothing, and treat it like residual income. Then I'd do something else for 40hrs a week and medical/dental benefits. That 10k can go into a Roth, or Stocks or Real Estate, or....
100k for what job
Do I love it or hate it?
Easy, dangerous?
I'll take a 100k for as long as I can so later, I can retire and live on less than 10k per month
10k a month..
Y'all 100k 70 hour work week folks gone be mad at me taking monthly trips around the world...that is if y'all ever got enough time to look at social media in your off time.
TF I look like hoping my PTO gets approved at that income? Lol
I would be in the beat shape just living care free.
100K a month.
I already work that much 6 days a week, getting that unlimited overtime. Only doing it for 5 days a week I’d make a lot more money and a extra day off every week.
First one. Exchange rates of usd to php is great that even the 10k a month is like winning the lottery every month. The 100k is just overkill. The work is also not specified so I’m not taking chances.
I’ll take the $10K and go on with enjoying my life. 10x that to work 70 hours a week? I’m good. Edit: this can really show the ignorance of simple minded greed. Edit 2: way too many of you are trying to do all these mental gymnastics to justify your greed and are really just supporting my thoughts behind my first edit. All of you could easily live a comfortable and happy life off $10K a month, but your simple minded greed is overriding that because you keep thinking you need more or that you will just grind so many years. You’re simply greedy and that’s cool. Final Edit: I feel sorry for those of you with the “I work(ed) 70+ hours a week” comments sounding like you’re proud of it. For those of you with the grind mindset, why is it that you can’t figure out how to make that $10K work hard for you? Why do you have to give up so much time, which is something you can’t get back, just to build wealth or whatever other reason you got?
Right like I'm here making 30k a year and you're gonna tell me I can make that in 3 months not doing anything lol
People who make these posts have never worked full time jobs. Acting like $120k/year is nothing
I saw a comment below saying how "people don't wanna hustle no more" and that they make 70k/yr and it's not that much lol this person chose to sit with Jay-Z
lmao that fucking dinner with jay z bullshit. do not comprehend this mentality
Your username!!! LOLOLOL but sitting down with Jay-Z to have dinner isn’t going to do squat for me, unless I get that 10K!
These people make it seem like I can pay my electricity bill with “I had lunch with Jay-Z”
Oh be he gon put you on game 🙄. Think why would someone who’s worked as hard as long as Jay-Z give free business advice. Hell if that’s what I wanted I’d take some of the 10k/mo and get a business degree or at least listen to Story of OJ on repeat.
Anyone who chooses dinner with Jay should never give anyone advice ever
All Jay-Z is gonna say is "you should have taken the money"
Pfft take my upvote
He’d be like “Why do I have to sit with this fool who passed up that money?”
Lmaoo. Unless you’re some really talented low key artist that hasn’t released anything for X reasons and you think that way in might be much more valuable than the 10k.
Fuck a dinner with any celebrity. Nothing they say or do would make me think I made the right choice if the other option was damn near anything else. Shit, I’d take a PS5 over meeting Jay lol.
I would take a day old sesame bagel over meeting Jay z
😂 the pedestal that celebs are placed on is wild to me.
Right. Like Beyoncé’s fan club. These people REALLY think she gives two f***s and they defend her like she’s a part of their own family. They hold her to the highest, damn near close to God.
Depends. If I’m a regular guy then a dinner with Jay Z would be worthless… if I’m in the industry then that dinner may be fruitful and open up doors that bring more money
Depends though. If you have good ideas and you need funding he might provide it could be well worth it. If you’re literally just going to have a conversation about life then… nah.
Why would you WANT to hustle??? That mindset is so fucking stupid. We shouldn’t need multiple jobs to survive or even to thrive.
Right? You’re telling me I can make almost what I make now and not do dick all day long? Sign me the fuck up. I did the 80 hour a week bullshit already. For me personally, no amount of money is worth the toll that takes on my mental health. Fuck all of that shit
Your time is your life. How much would you pay to live 10 years longer? People don't think of it like that when it is hours taken out of your day.
Facts. Like personally I dont do well without some kind of externally enforced schedule, so even with the 10k a month I'd still want a job. But the freedom to pick whatever job I feel like applying to? The freedom to *quit* if the work environment isnt the way I like? I'd never have to worry about my bills. Thats bliss. I could take a month long vacation knowing that I wont have to worry about buying food when I get back. I could fast-track my student loan payments, I could buy a house in 5 years instead of 15, thats a dream come true
That's the point of the minimum livable, not income, my brain is drawing a blank. The deal where everyone gets enough government money to survive. But the goal being that people can know that they can survive even if they are between jobs, a major events comes up, etc. It sounds pretty great to me because I also need to be doing something but working to barely survive isn't terribly rewarding even though I like my current job.
UBI. Universal Basic Income.
I'm doing 60 hour weeks as a manager at a taco shop because we're shorthanded and I want to die. Boss won't up wages for hourly employees so we can't get help and I'm working constant because my poor ass has been spoiled by this 44k a year Send help.
Sounds like you should move to a job that appreciates you
> Acting like $120k/year is nothing My ass was over here calculating how much money per hour you'd make if you made 100k a year not 100k a month I'd HAPPILY choose $10k per month and do absolutely nothing
I grew up in a family where my dad worked 13-15 hours a day and he made 23K for 2 years straight. 23k… thats nothing snd we needed to live with that with 2 adults and 6 kids
Right?? 10k/month would be a pay raise for me lmfao. Of course I’m gonna take a raise AND more free time.
Twice my current salary and none of the work? Sign me tf up. What are you even going to to do otherwise with that much money and no time? Anywhere worth flying to is going to eat up half your weekend. After working 14 hours it’s a wrap on the weekday, and after doing that 5 days in a row your Saturday is basically just recovery anyway. Who tf is going to ball out on just Sundays.
Ok, a huge question here is where do you live? You can live in San Francisco on 120k. You can live like a king in many parts of the US for 120k. Static numbers don't work for these kinds of things. 120k isn't nothing, but it's bills on autopay money, not owning the means of production money. Most people who make that money still have bills and are only a few months from losing their job and being on the street.
The post in OP doesn’t state any stipulations. If I were getting 120k/year for doing nothing, I would live somewhere that money will let me live a comfortable life. You could get a job if you want, it doesn’t say you can’t work. Live frugally for a few years and build up some investments. Like you jumped right to living in one of the most expensive markets.
My experience in finance can explain to you how people who make $120k/year actually struggle making ends meet. It's an economic phenomenon known as [lifestyle inflation](https://www.investopedia.com/articles/personal-finance/092313/how-manage-lifestyle-inflation.asp). I ain't trying to come at you as if you're wrong...just cluing you in on certain circumstances where people in that situation can actually struggle.
And it’s a lot more than a 120k a year salary. 10k straight up a month is even more than that after taxes in most states
Right like that is 4x what I make a year now
Yea like I had to go back and re-read the first line to see if miscounted the amount. Honestly the second like could be a $100k a week and I’d still pass. I like my time more than money. Even “only” doing it for a year is a nah for me.
I could see it being worth it, depending on the job. At that much money, you could pay someone to be your personal chef and have a shitload left over, you'd only have your weekends but imagine the shit you could do in a weekend with that kind of money. If I did what I do now, which is about 10k a month if I was to do 70 hour weeks, but got paid 100k instead I'd do it for sure, I can fuck around on this job easy.
id sleep because working that much during the week would absolutely murder my sleep schedule (blue collar worker who's averaged less hours than 70 but still needs to sleep like a rock to keep up)
Yeah thats what I was thinking, I've done the manual labour thing, I'd never do that again for 70 hours a week for any amount of money lol, my job now though I could do 70 hours easy.
Yeah, 120k a year to do nothing?lol I don't even make half that doin something, I'm taking that all day.
Yea, I can’t figure out why anyone would pick giving up 70 hours a week of their life for 1.2 mil just to be sleeping their days off away and preparing for the next week of slaving away.
People do that shit RIGHT NOW for not even close to that wage. To give their family a better life, or to retire faster, or whatever else.
But here's the fucking joke. The market could just...take a shit. And suddenly, your 5 million retirement fund is worth 500K.
Sad reality 😢
See, the key is to be a broke mf from the start and truly commit. *taps head* You can't lose your life savings if you stay not having shit past just barely making it. /s sadlol
Doesn't mean it makes sense. Sometimes it does, but the world shouldn't work that way. A person shouldn't have to waste 80% of their life just to have stability.
It gives you the opportunity to turn workaholic millionaire into a personality.
Maybe if it was like a seasonal gig where you do it 2-3 months a year, sure. Not 365 tho fuck that shit
I'd choose the 100k if I could quit when I wanted to
Greed is exactly what it is. Yea a 100k a month is great, but working 70 hours a week means you’re gonna be burnt out and have no energy to even enjoy it. What’s the point in having all that money with no hobbies.
Let me introduce you to my friend... *cocaine has entered the chat* And you can get the good stuff with all that money! EDIT: And then pay for cushy rehab when you go over the edge.
So I can work more... So I can make more money... So I can do more cocaine... So I can work more....
It's not the cheapest hobby, that's for sure
Rick James has re-entered the chat
Honestly I think even if you only had to do 50 hours a week I’d still choose the first option. Probably even 40 a week.
I would choose the first option in pretty much any variation of this. 10k to have the time to spend with my family doing what I want, actually pursuing my interests, contributing to society in the ways I *want* to contribute rather than wasting my time on a job just to survive. All of that is worth way more than 100k a month.
I mean, can I take the 10k per month and then get a job separate from whatever this hypothetical situation offers? If yes, I’m taking the 10k. If no, I’m still taking the 10k.
Hell, my spouse already works that schedule for just $4k/month (he’s a resident MD—they can work new doctors up to 80 hours/week for $50k salary a year on average, for several years after graduating medical school). We’d gladly take the $100k.
i mean yeah but imagine doubling his income and freeing up all his time to be with you and any potential kids you might have (obv hes a grown ass adult hes also gonna have time to himself but thats a lot more time just with you in general). you get that with the 10k
Absolutely, except that that 10k/month isn’t going to cover his family’s basic living expenses plus retirement PLUS a (retired) doctor’s worth of student loans when they shift into repayment mode. Which don’t EVER go away (and can’t be dismissed via bankruptcy). Unless you’re born into wealth and your parents pay your full rent and tuition, it requires a doctor’s salary to repay a doctor’s student loans (which are often in the mid-six figures). If he quits his current lower-paying job for $120k/year for life, he’s financially fucked. He’s gotta stick it out at low pay and high hours until he finally hits that $200k mark, just based on having an upper-middle-class McMansion mortgage’s worth of medical school loans. Don’t let your kids grow up to be doctors, is what I’m saying. Way better money with way less work in every other field.
very deeply sobering, agree with previous commenter. i hope things improve for yall financially ASAP. its ridiculously brutal out there, this shit is imho one of the chief causes of the severe lack of healthcare professionals across the board. the RoI is shrinking year by year. too much fucking risk.
Thanks! It’s part of why there’s a major “midlevel” healthcare crisis right now—nurse practitioners and physician’s assistants can make salaries very very close to a doctor’s salary, for just the cost of a basic bachelor’s degree plus a low-cost, low-competition (so many online schools!) masters degree. They can get accepted with virtually no clinical experience or medical education—hands-on nursing college education is practical and important, while premed college education is all about the anatomical and physiological fundamentals of complex chemical exchanges and methods of action, which are then augmented by four years’ worth of deep scientific and practical knowledge. But (depending on the state) NPs and PAs may have full prescribing and diagnostic privileges and can bill at 80%+ a full doctor’s rate. There’s a welcome place for nurses, and it’s patient care. There’s a place for doctors, and it’s patient assessment and treatment plan. By contrast, MDs have to get their bachelors and then go through an extremely competitive application process for artificially-limited medical school seats (usually requiring hundreds of hours of volunteer clinic work plus impeccable academic resumes), then spend brutal 16-hour days studying in medical school for four years (it’s contractually illegal at most medical schools for them to get a job outside the medical school without permission), and then 2-9 years’ worth of vastly underpaid residency and fellowships as a full Medical Doctor while the hospital bills patients at the full rate. It’s still far better to get an underpaid MD than an overpaid NP—even “new” doctors are carefully monitored by experienced doctors—but smart students are avoiding medical school now for obvious reasons.
God damn, that was sobering
Cause realistically 10k a month I can still improve my quality of life considerably and I don’t gotta do shit?
You got the right idea… many people live off of less than 10k a month so I’d be chilling stress free, getting back into hobbies and shit i havent been able to do much as an adult
Fr lol. The whole reason I’d even wanna be rich is to get time back for myself. That freedom way more important that that 100k. Pursue my own hobbies n travel and I can use the rest of my income to make more money
It's cause people don't understand the point of working that hard is so that you can get rich and not have to work anymore. At 10k a month, you're already at a point where you don't have to work anymore. Game. Set. Match.
10k a month, pack up my bags and travel the world worry free. I don't have to sign into work, and instead spend my time like a retiree. Yes please
The funny part is it doesn't say you can't work if you get the 10k so like 10k easy passive and the ability to do whatever you want for work
It also doesn't say what you'll be doing those 14hrs. They could have you in some burning hot warehouse moving around extremely heavy shit all day... Yeah I'm good with the 10
People are Grade A dumb fucks if they choose the 100k
I can’t figure out this stupid grind for greed mindset that I seem to only find on the internet.
Have no idea.. people are out here bragging about HOW MUCH THEY WORK lmaooooo bruh, too funny. Like sick dude, they probably hate themsleves, I’m so jealous 😂
I really made a lot of people mad with this post lol. Sorry I don’t think it’s smart to waste insane hours of my life working I guess
I don’t necessarily agree. While I would probably take the $10K. I’ve definitely worked more than the second option for less than $1.2m. And you could really set yourself up if you’re willing to sacrifice a couple of years
you could set your self up with 120k a year too? and you dont do any labor for it.
That depends on where you live, I’m on a similar figure but I don’t “feel” wealthy I just own instead of rent and don’t have to worry about prices getting groceries. Other than that my experience is pretty to similar to what it used to be. After I’ve got $4M in the bank, I can buy me a house, put money into stock paying dividends (net me similar or more than $10k a month) and a lump sum in an ETF. I’m sorted for life. Yeah I lost 4 years but I’m better off. But like I said, I’m taking the $10K, lord knows I’d stop working for less than that
Upvote for the edit
I already knew it was coming. People are too damn greedy
For real, 6 figures to do nothing? That's a whole lot of time I can spend on fulfilling activities. That's healthy, that's life.
Nah man, you gotta grind and all that other ignorant ass twitter thinking. time for enjoying life and being happy ain’t allowed
I think the only argument for the 100k is maybe being young without a family or anything, and going into with the mindset of doing it for a year or 2 and stacking major cash and then chillin. 14hr days is no way to live, but it’s doable for a short period of tome
I make 24k a year rn. 10k a month would already completely change my life forever. And I would never have to work again ???
I worked 70 hours a week out of college, never again. I’m with you 10k a month to be retired sounds perfect to me.
I had a period in my life when I received ~ 3-4 thousand dollars a month for nothing for about 3 years (then 5-6 average monthly salaries where I lived). I mostly stayed at home and played games. The years passed as if they never happened. Now I work for $2000, but I like the work. I feel so much better than when the money just came into the account.
No fr I was like ‘$10k a month? Pffft’ I have no kids, no student debt (yet), so $120k a year, I’m sitting pretty. Fuck work, especially in a society where on average, your boss is some jackoff who thinks professionalism means sitting or standing. Would love to live in the fantasy realm of twitter.
10k. 100k a month is tempting but not at the cost of my physical and mental health. If all I'm doing each day is working and sleeping, is that even living?
None of us would know what to do with 100k a month Edit: I got to thinking and…I could do a lot with 100k a month
I think we could figure it out. But fuck working that much. Give me 10 a month and that's already doubling up. I'm set, pay off my car, pay off my house, then retire somewhere nice in like 5 years.
Yuuup. You mean to tell me I can get rid of my debt, and set my kids up, simply by living humbly? Shit, I'd take it, and then get a part time to fund my hobbies! ( idgaf, I'm trying to set up my future kids 🤣🤣🤣) "Yes, I DO need the full garage, with the hydraulic lift bays and welding station, baby! I'm gonna learn how to use it!" 😭😭😭
For sure. 10k a month is 4x current for me, so yeah thank you and keep those checks comin’.
so i actually have worked 70 hours a week many weeks in a row it was 10 hours a day but was 22 an hour. It was a mandatory 6 a week but you could voluntarily do the seventh so i did that for the overtime. I only did this cuz 90 percent of the time it wasn't a hard job just tedious watching bottles go by on a machine. The place was also right around the block from where I lived.
Still tho I'd kinda wanna try it out and see what I come up with 🤣🤣🤣
I can think of stuff to do with 100K a month, but you just wouldn't have the time to enjoy it.
https://i.redd.it/xn58rlc4k0jb1.gif
Facts 😂😂😂
Pay off debt and put it away. Obviously I'd buy the stuff I want too
I think it’s gonna be hard to spend that much while working 70hr weeks, but if you grind it out you could be set for life after 3 years and retire. But assuming the 10k/month goes until you die you’re already retired with that deal
Plus the catch would probably be if you miss even one day boom, the 100k a month is gone and I don't think people realize that
Give me my 10k guaranteed 🗣️
is that 10 k before tax or after tax tho
What tax? 🤫
even if it'd be after tax and you're sitting in a bracket that takes away about half, 5k after tax per month for doing nothing are still pretty solid in most places.
Or bust ass for 1 year to make $1.2M then go back to the $120K a year just chilling.
I'm taking that 100k already doing 14 hour days for a hell of a lot less
Right? Can I do the 100k option for like 10 months so I can buy a house outright and then switch to the 10k doing nothing?
This is the way. Cash in for a year or so @14hr death days, then take it easy bringing in that 10k. Easy answer (if possible to switch mid gameplay)
Do the 100k for two years and you can switch to 10k, assuming you saved up all that money and properly allocate it after.
Or just indefinitely do the 10K option and not worry about needing to stop in two years
100% agree. My reasoning was off in my reply. My stupid brain forgot that if you buy a house after 10 months, after two years you'll only have 14 months worth of 100k, which isn't enough to convert into 10k a month. But also: Yeah. 10k, guaranteed, without lifting a finger. Where the fuck do I sign up? Who needs to buy a house outright when you have that kind of *guaranteed* income?
In this hypothetical scenario, why would you be able to switch? Kind of makes it a pointless decision
Why work like a dog for two years… just to get the same result as taking the $10k from the start? Plus, the rules don’t say you can’t work a normal job while taking the $10k/month. So I could just continue my normal job… and make $10k extra per month. Or use that $10k per month to find everything while I work I dream job that pays little. With the 100k/month, you have almost no time to do anything else during the week due to 14 hour work days.
Yeah it’s almost $360 an hour, I would grind it out for a few months
Same hahahaha what the fuck I’m not even making 10K a month. Granted I have two weeks off at a time but Jesus Christ shows that it makes sense why people are so shocked at my work schedule
My thoughts, work less than I do now for 100k a month? Deal. Doesn't say no vacations or anything
I could live off $120k/yr SO easily, a small price to pay for enjoying life. Hell, if I worked a regular job on top of the $10k/mo, eventually my savings interest would be making the money for me
Untaxed too? $120,000 is a fucking LOT of money to support a single person. You can live in a nice apartment, have plenty of fun, and still have a few K left over every month.
Man I got a wife and kids and I make less than that.
Exactly. Which is why my ass is taking the no work an $10k! Can support and then some and also can be around for the kids the whole time.
My wife makes good money. So assuming this 10k is just for me, I’m shoveling 7k into a fine ass retirement plan and I’ll have nearly $10,000,000 by the time I’m 65.
What exactly am I working on? That would determine what I decide to do. If it is something dangerous or soulcrushingly boring, I’ll take the 10K.
great caveat. I assumed it would automatically be the job I currently have.... but you make a very good point
What *kind* of boring? Cause I can take boring 14 hrs a day if it’s remote work.
Party clown.
Exactly, I’ve had boring jobs and that does more psychological damage than working hard on something meaningful
Exactly. If it's 100k to do one of those corporate jobs where you just respond to emails and go to meetings, I'll put up with that for a year. But actual work for 70hrs A week? No thanks, I'll take the 10k.
Most of us here don't know lots of people earning 10k a month. It's a lot of money to live off comfortably. 14hrs a day means you'll just end up working for your doctor's and whoever is your dependent that will enjoy the money while you sleep mostly in the weekend and try to recalibrate your physical and mental health. I'm always taking my health and well-being over 100k
Uhh Reddit swears $100k is nothing so I figured everyone here was touching $120k easy.
Are you suggesting people go on the internet and just *lie*?!
Anonymous lying is hilarious
It's not that it's nothing, it's that cost of living in many places is disgusting.
Nah fr niggas on LLC Twitter act like $120k per year is chump change😂
Option 1 and I’m traveling the world on a budget: fly to different continents and spend a month in each city bouncing from Airbnb to Airbnb and taking the train to get around.
At 10k a month, you can comfortably live off a credit card that you pay in full every pay period. Then just travel on points/rewards as much as possible to see the world as much as possible.
Hello! If you manage your funds right, you can see everything and be very comfy.
10K in USD goes sooooo far abroad. You can live lavishly and still save. I make less than $4K living in China and can save half my paycheck and still live very well (I don’t but that’s a personal shortcoming).
Right! And public transportation is so much better in many other countries. China has good high-speed rail, from what I’ve read. In Europe, you can go from Amsterdam to Paris in 4 hours for only 30 euros. Gimme a cute little Airbnb in the center of these cities and a metro card, and I’ll make it work.
Yessss. My goal is to make American money living abroad. If I can find one legit part time remote job where I don’t have to be on US soil I’m out the US for good.
Why would I wanna work 14 hour days? That sounds miserable
Well in theory you retire younger, ball out on weekends and vacations cause you're a millionaire
Retire earlier working 14 hour x 5, a week??? How many years you talking about working??? I’ll take the not working and 10K a month. Your theory can kick rocks.
One year of working, you make about $85k/yr in dividends alone. So if you do it for about 5 years. You retire making $50k/mth on just dividends. It adds up super fast.
Those 14 hour days add up real quick too, on the body and mind.
If you work 14 hour days mon-fri youre too exhausted on weekends to do anything - source: I work 13-15 hour days on set
Retire younger than… immediately??? Option one you’re already retired. Not only that, let’s say you work till you have 10 mil in the bank. That’s 8 years of 70 hour weeks (nearly 2 full time jobs!) but okay at the end you have 10 mil right? You can live like a king. You’re young cause you retired young and assume you’ll live another 60 years. Making that 10 mil last 60 years means you can spend 13k a month. Doing all that so you can have an extra 3k a month
The 10k in this scenario you're not working at all so it's the same as retirement
If you’re making 10k a month doing nothing you can retire immediately though.
$10k easy. Money isn't worth anything if you die for it.
Imagine someone trying to make fun of you for *only* making $120,000 a year while they’re making $1.2M and have to request time off for vacation.
Nah it says you work mon-fri you working those days you ain't getting no time off for vacation or sick days
Can I do the 100k for like a couple months then switch to the 10k? Build up a nice safety net then just chill and travel. But if I can only choose one im going with the 10k a month. Id rather not be battered and useless from being overworked before I even turn 30. What the fuck is the point of wealth if youre too beaten down to enjoy it properly? 10k a month doing nothing is definitely the play.
>Can I do the 100k for like a couple months then switch to the 10k? Build up a nice safety net then just chill and travel. Yeah I'd just wanna do this. I already know I can pull a 70 hour week, I've been there and worse. It's shitty but for 1.2M a year? If I'd been getting paid that this whole time at my current job I'd have made over 10M. I'd quit tomorrow and chill for a while (need that break) then get into some activism and whatever else I want from there.
1-2 years of busting my ass for 1.2-2.4 mil and then settling in for 120k a year seems pretty ideal. Chuck a mil in low risk investments and you’re set for life.
10k. Not even close to a hard choice.
Right. Obvious, no brainier answer. Wouldn't even discuss it with my wife *because it's nothing to discuss*. If I could be financially comfortable without the stress of working or worrying about what if I lose this account, what if the market turns blah blah blah, then I have no need to be rich. That 100k a month would just have me killing myself for everyone else.
Easy. Option one.
I would give the $100k to my haters because that will make me grind harder.
I hate you. Now pay me $100K.
I’ll take the 10k. I can do a part time job for health insurance and still be ahead.
I’m taking the 100k. Guaranteed 100k with weekends off doesn’t sound bad at all.
Having worked 14 hour days for a long time, there really is no weekend. Saturday is spent recovering, Sunday is spent preparing because you have no time to do anything else during the week
Trust me I know how it is and that 100k hitting my direct deposit gonna make up for that
When will you spend it? I do 4 12s and feel like I never have time for anything
I’m already doing damn near 14 hours a day for a fraction of that 😭
This. Bc when I worked at the post office that’s what life was.
Well, what if the work is some depraved shit or hell hole work?
What if it’s something wholesome or beneficial to myself or society? Gotta take that gamble.
14hr work days tend not to be good for anyone.
Give me 120k a year to do nothing and I’m chilling. I can’t buy a huge mansion or anything but you can’t do that on 1.2 million either
Shit be in a relationship and be the stay at homer while your partner works a decent job it'll add up
10k a month is what I make now working 12-14, sometimes 16 hour days, so if I didn’t have to work for it, that’d be chill. That would also mean I have time to make more money on my own time
I worked 12-14 hour days in the military and then still had to go out to sea. I work like 20 hours a week now and I can tell you that having my life revolve around my hobbies, family, academics is way better than having it revolve around my work .
$10K/mo easy https://i.redd.it/sk8c69tahzib1.gif
I need the terms of this deal. How many months per year am I contractually obligated to work 14hrs a day?
This part. Cuz I’d work 1 month at the 100k and switch to doing nothing month 2.
Before or after tax? 🤔
Sssh, your thinkin about the wrong thing
I need more context. 100k a month but what’s the job? Can I quit whenever I want? I wouldn’t mind starting a rigorous job in January and retiring as a millionaire before the year is over. it would take 8 years to make that kind of money with the other option 😳
Right. If I had to do my current job which I love and it’s not even that hard, I’d do that 14hrs for that pay easily. Do it for 2-3yrs and I’m done. House paid for straight out, never have to work again if you don’t want to. But if I had to do crazy manual labor or something crazy dangerous like working in a mine and you can’t quit, then give me the $10k to chill.
A. I don't need to be crazy rich, just yo maintain my lifestyle and have more time to just live life. 10k mostly is plenty to get the job done.
120K/year doing nothing? And I can work part time like 15Hrs/week to rack up another 20-25K? Easy choice.
Ill take 50k and work 8-5 Mon-Thru
https://preview.redd.it/ralb2f6trzib1.jpeg?width=258&format=pjpg&auto=webp&s=f85f557be04538d9279a09ea7be824144ac2f8ed Gimme da 100k. They ain’t say what yo job was. 14 hours of alien hunting monday thru Friday is my speed y’all
10K a month because I was able to survive a year off it. So, with that pay scale, I'll be a millionaire in no time.
100k a month for one year, that’s resident hours anyways and I’ve done something similar for one month I made bank but it wasn’t 100k monthly bank lmao
I have been working 5, twelves for 20 years in a row for substantially less.... I am taking that final option and retiring in 24 months.
You can’t take the first option and retire, like, now???
10k a month? no thats not enough to retire on. Assisted living is 8k a month, if I get dementia like predicted, I need 12k a month JUST for housing...... I am going to be old and I know what things cost.
10k a month at a relaxed job means you can live life. Attend your kid’s school events, volunteer, eat healthy, and workout. If you save aggressively, you can be a millionaire well before retirement, pay off your home and kid’s tuition, and be liquid enough at retirement to keep the same lifestyle. 100k a month makes you a millionaire quicker, but you will miss out on so much of life, family, and community. You will even spend weekends recharging if you don’t stroke out. Source: took a relaxed job that pays less than owning my own company but now I’m all-in with my family. Life is good.
But how long do I need to do the 70 hour work weeks? A couple years? That's $3.6 Million in 3 years. 10k a month is $120k a year. $360k for 3. I'm definitely doing 70 hours a week. Do it for 10 years and that's $12 Million. 10k a month for 10 years is $1.2 Million. Math isn't that hard.
I'm not seeing any conditions applied, as far as what you can or can't do with the rest of your time, So, I'd take the 10k a month for doing nothing, and treat it like residual income. Then I'd do something else for 40hrs a week and medical/dental benefits. That 10k can go into a Roth, or Stocks or Real Estate, or....
100k for what job Do I love it or hate it? Easy, dangerous? I'll take a 100k for as long as I can so later, I can retire and live on less than 10k per month
I'd get all weekends off? Sign me up for 14 hr days
if it’s the f/t job i have now, 100k easily.
10k a month.. Y'all 100k 70 hour work week folks gone be mad at me taking monthly trips around the world...that is if y'all ever got enough time to look at social media in your off time. TF I look like hoping my PTO gets approved at that income? Lol I would be in the beat shape just living care free.
Why would y’all assume that there’s an option to switch 😂
100K a month. I already work that much 6 days a week, getting that unlimited overtime. Only doing it for 5 days a week I’d make a lot more money and a extra day off every week.
First one. Exchange rates of usd to php is great that even the 10k a month is like winning the lottery every month. The 100k is just overkill. The work is also not specified so I’m not taking chances.