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well after eyeballing that one through my basic financial calculator in my head, they should probably file.
if they're doing 18k a year, and the interest rate is assumed at 10%, their net present value of their whole life's gross is $180,000. That's before taxes, kids, rent, food, medical, car, car insurance, etc. You can't live off $80,000 for the rest of your life after that is paid out.
I really don't know how the average person survives in this world.
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