You need to earn above a certain threshold before you actually can manage to hold on to more money, plan for the future, and build your reserves. [1] Having an

You need to earn above a certain threshold before you actually can manage to hold on to more money, plan for the future, and build your reserves. [1] Having an income below the threshold may make people feel like they need work more urgently than ever, but unfortunately they won't have sufficient means to turn that will into action. If -on the other hand- you pay people UBI up to that point (or a little over, to be safe) , you basically ensure equality of opportunity for everyone, and make sure they actually CAN go to work every day and build their fortune. (Paying for UBI needn't be hard. In one model you can effectively tax back most of the UBI from people who didn't need it. This can be achieved by adjusting tax brackets. ) [1] To hold on to most jobs, you need at least: a roof, a bed, clothes, shower, some amount of study material, transportation, and tools of your trade.