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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]Pretax W2 income.[/quote]

This. We make nearly as much from investments, but we don't count that as HHI income (it's definitely on our tax returns) as it's all reinvested.[/quote]

I'm in the same boat but our investment income is over triple our W2 income but we only count investment income that is in our taxable brokerage accounts toward HHI despite it all being reinvested (most of the time unless we make a large purchase where we need these funds). I don't count Roth IRA or 401K income since we can't access that for another 19 years.
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May I ask how much your W2 income is and how you came into so much investment income?  It's fascinating that your investment income is 3x your W2 income.  Did you invest in Apple early, did you inherit it, did you sell a business?

Anyways, good on you.[/quote]

W2 income is now about $200K which has gone down since I changed careers for better work/life balance. Investment income is approaching $575K (sorry I rounded up when I said it was 3x more than my W2 - my bad). I did not invest in Apple but I did invest in individual stocks, namely hit a couple of grand slams with big bets on clinical-stage rare-disease biotechs that went parabolic and were eventually bought out by Big Pharma in all-cash deals. Shares were in both taxable and Roth brokerage accounts. Put a lot of the proceeds from those buyouts into dividend paying stocks, treasuries, etc. Bought Eli Lilly stock with some of the proceeds before GLP-1 drugs were a thing (didn't know that at the time). Who knew people would pay big bucks for a drug that helps you lose weight. Call it luck, call it skill, I don't care. I took the risk and it paid off.

[/quote]

Forgot to add: none of the funds came from inheritance or selling a business. I started investing in individual stocks at a young age and learned a lot by failure on how to find opportunities. Opened up a Roth not long after I had first earned income and contributed every year investing in individual stocks. Biotech/Pharma has always been my preferred sector. Lived well below my means and remained disciplined in investing the rest. Married a wonderful woman who had similar views on investing and living below your means. Took a ton of risk at a young age.[/quote]

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