>>937040194 (OP)For myself, I'm at the point where even if I can magically double my income, it still wouldn't be nearly enough for me to buy a house, start a family, plan for retirement, etc. It's mathematically impossible. I can't participate in normal "society" as such and see no point in working harder or upgrading my skills since it has historically never resulted in a pay increase. If I did have surplus funds I wouldn't keep them in a bank or otherwise put them somewhere the government can take them. The only thing that even keeps me going is the vague hope that things will change for the better but I'm starting to realize I'll be a very old man by the time that happens.