The $100k Poverty Line: Why You Still Feel Broke

Описание: In this video, I break down what I call the Professional Trap—the dangerous illusion that a six-figure income equals financial security. In the 1970s, $100,000 was a fortune; today, for a professional in a major city, it has become a high-stress survival wage. You are likely earning twice the national average, yet you are living with the same financial breathing room as a college student. This isn't a mistake; the system is calibrated to turn your "means" into "needs."

I will show you the specific math: how the "Professional Tax," lifestyle inflation, and the Ownership Gap work together to keep you on a treadmill with zero exit options. I will explain why you’ve become a "High-Value Tenant" in your own life—renting your home, leasing your car, and financing your lifestyle one paycheck at a time. I’ll walk you through the psychological phenomenon of Relative Deprivation and why your brain is wired to keep you spending more as you earn more, ensuring you remain a high-output worker for life.

Most importantly, I will give you the framework for the Margin of Sovereignty. I’ll share the 3-layer filter I use to break the calculation, stop "renting" my time, and start building the kind of wealth that no one can see but everyone wants: the silence of a paid-off life.

Your salary is a comfortable lie. It’s time to see the truth behind the calculation.

👉 Subscribe to Cole Calculates if you’re ready to stop running the treadmill and start owning your time. New "Money Math" videos drop weekly.

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⚠️ DISCLAIMER: I am not a financial advisor, investment professional, or licensed expert of any kind. The content presented on this channel is for educational and entertainment purposes only. All opinions expressed are my own and should not be construed as financial, tax, or investment advice. Calculations and illustrations used are for educational purposes and may not reflect your specific situation. Economic conditions, inflation rates, and investment returns vary significantly over time and are not predictable. The appropriate financial strategy depends on your individual circumstances, risk tolerance, and goals. Always consult with qualified financial professionals before making significant changes to your money strategy.