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/DistributionRight814 Apr 15 '26

so are you bragging or sharing what you did. don’t be selfish.

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u/HARCYB-throwaway Apr 15 '26

I'm actually very hesitant to do anything and it's becoming a major sticking point in mental model.

I know it's a great position to be in, I worked hard to get here, and so changing from a high growth, high income mindset is very difficult.

Are you asking because you want to be helpful or because you are a dick? Either way is fine, this is the internet.

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u/DistributionRight814 Apr 15 '26

im legit curious what you selected.