No chance of reducing caffeine today. The middle class can’t help the lower class because actually they too are extremely poor.

I calculated an extremely rough, extremely vague estimate of what it cost for one human to live an entire life, in the normal way, renting an apartment and buying cars. This estimate was EXTREMELY vague, just in case anybody wants to say, ‘What? How the heck did you come up with that number?’ I decided that the minimum you need for one person’s entire lifetime in a normal, modern, first world country is $6 million dollars. This is if you don’t do anything unusual or any projects or anything beyond merely just existing, buying cars, buying houses, and paying for your own retirement. The number is probably much bigger than that, but I assumed they didn’t go around buying one house after another – they just got one and stayed in it.

If you are working a minimum wage job, you earn less than $20,000 a year. It will take you 300 years to earn all the money you need to pay for your existence from birth until death. If you earn $50,000 a year, it will still take you 120 years. The ‘middle class’ seems to be living a nicer life, and it seems like you’d be able to go to them and ask for help and charity, but they only *look like* they have a better life. They do, in some ways. But all of them are worrying still about what will happen to them when they are too old to work, because they cannot afford to retire, and they are so busy paying student loans (which increase that number to something larger than $6,000,000, adding maybe $100,000 more to it) that they can barely afford to live, too, and they cannot afford to give away any significant amount of money to charity.

A person has to earn all of the money they need to exist during the decades when they are working. (I’m thinking of that book ‘The Millionaire Fastlane’ right now. I have a link to it somewhere but don’t want to try to find it in my limited time before work.) Somebody paid for them during childhood, so that doesn’t count, and I can’t remember whether I included that in my number or not. If they want to retire early and try to live life, it sucks to be them. I can’t recall whether my 6 million number included childhood, but let’s say it doesn’t, so you have to earn 6 million dollars during the years from age 20 to age 60, or something like that. 40 years of work. How much do you have to earn a year to make sure you can be confident that your entire life will be paid for, including retirement? You have to earn at least $150,000 a year.

Or, you can just have faith that something magical will happen when you become too old and sick to work. You can enjoy the privilege of living in a nursing home! Because everyone loves being strapped down to the bed and force-drugged while being forced to eat horribly malnourishing food and being spoken to abusively and condescendingly by the staff. They are only looking for an opportunity to kill you. As soon as the slightest thing goes wrong with your health, they will put you down the ‘Whoops, I accidentally caused this person to have some sort of “unexpected medical error” that resulted in their death! Oh well, you win some, you lose some.’

So unless a person earns more than $150,000 a year, they are not secure enough to even think about donating money or investing money into any other cause or any other project besides planning for their own eventual retirement to avoid going to a nursing home.

Again, this was an extremely rough estimate, and there could be infinity possible scenarios for how you would calculate the number it costs a person to live from birth until death if they live the normal way, buying houses and cars, in the USA. I didn’t give this person a lot of extra money for any hobbies, interests, projects, vacations, or any REAL LIFE at all.

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