If MSFT matches the same YTD return this time next year, a $120k salaried worker would have to invest $18k to get the same return they'd receive with a 5% raise

If MSFT matches the same YTD return this time next year, a $120k salaried worker would have to invest $18k to get the same return they'd receive with a 5% raise. $18k is a lot of money for someone making $120k, probably living in an expensive city, to dump into stock that has no guarantee of a massive return.