total income? And what will it make your net from your $5000 of passive income?

Then we can decide what my annual *compounding* returns on $530,000 looks like compared to what would be as little as $31,800/year (depending on other earnings) for you. Even if you’re getting $45,000 of that $60,000 my later years will probably pretty quickly outpace yours.

I guess taxation could potentially make $5K per month better for a person with almost no other income, little ability to invest successfully over time, or a short enough timeline that they don’t want any risk.

But even with the short timeline you start out so far ahead that you’d take the sum.