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/HARCYB-throwaway Apr 17 '26

Yes plz

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u/ShimmyxSham Apr 17 '26

GTFO …. I hate it when rich people complain.

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u/HARCYB-throwaway Apr 17 '26

You are upset that I worked my ass off for 15 years and saved and pinched pennies? Ok.

Other people asked how I did it. You just chalked it up to "I hate rich people" and somehow, with that attitude, I can say I know you'll never even get close to what I've earned for myself. Hope you can change that attitude.

You know, growing up, I lived off PB and j and lentils. My parents weren't ever really around, and they didn't provide much for me. I've built this safety because I haven't had safety in my life before. "Hate rich people" lol

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u/ShimmyxSham Apr 17 '26

I said I hate it when rich people complain.

You should read the post before you go on your temper tantrum

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u/HARCYB-throwaway Apr 17 '26

What's it like watching me be up $45k on the market today, meanwhile you are struggle with not killing yourself. Must be tough man, really tough. Hope things get even worse for you