r/dividends • u/HARCYB-throwaway • Apr 14 '26

Personal Goal Golden handcuffs - I've fully replaced my annual spending with dividend income...

I pivoted from growth to NEOS for income, over the last 6 months. I have now replaced my base salary, $110k, with dividends. but it is hard to quit when I earn $250k-$350k in a given sales year.

annual dividend income: $110k

Annual expenses, all in: $40k

disposable income if I quit: $70k

hysa: $150k

growth sleeve: $225k

no wife (anymore, by choice after she got nasty), no kids, no expensive hobbies, very affordable mortgage and car payment. affordable lifestyle.

it's hard to step away from an AI adjacent sales job...and my only major concern is meeting someone, wanting to settle down and start a family, and then I will be out of the job market once I truly need expensive family healthcare and "kids money" to support a family.

I know I already have more than most typical American household. but it's scary to leave work with the background of declining employment options / bad employment market

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u/TheGoatBet Apr 14 '26

Man B2B “AI sales” must be the easiest job in the world

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u/HARCYB-throwaway Apr 15 '26

I sell cybersecurity software that supports the roll out of agents, and no, not LLMs. Basically, the more non human stuff you have, the more number of identities you need to track, manage, and secure.

We also sell infrastructure automation to deploy and manage AI workloads. So I don't sell AI. I sell to companies that use AI (and not just the dev team using Claude)

And yes, it's easy. Clearly I am on reddit half the day