Most of the world is not SF, and in most of the world $40k/year is life changing amounts of money. Your parent commenter replied with their own situation, but i

Most of the world is not SF, and in most of the world $40k/year is life changing amounts of money. Your parent commenter replied with their own situation, but it's true in most of the US, too. In the US as a whole, 27% of the population already lives on less than $40k a year—they probably wouldn't stop working but they could! The median income for a black person in the US is $48k/yr [0]. Where I live, $40k a year would be enough to take someone from median income to 80th percentile in a single event. If you don't think $40k/year is very much money, maybe take a pause to consider how lucky you are. [0] https://www.census.gov/content/dam/Census/library/publications/2022/demo/p60-276.pdf https://www.census.gov/content/dam/Census/library/publicatio...