That last statement -- that it takes a household income of ~$100k&#x2F;year before you &quot;pull out the other side&quot; and end up genuinely better off than you would be earning nothing -- seems extremely surprising.<p>The great majority of households in the US have household income less than $100k. Are you saying that they are all worse off, or only insignificantly better off, than they would be with an income of zero?<p>If so, I&#x27;d love to see some data.