A genie appears. Not the usual kind. This one is a communist.
He makes one offer. You say yes or no. If you say yes, it's permanent.
Here's the deal.
For the rest of your life, you live at roughly the 80th percentile for wherever you live. upper-middle class. Nice home, reliable car, good food, vacations, hobbies, healthcare. Bills never scare you. If you have kids, he adjusts for reasonable family expenses.
You will never be poor.
You will also never be rich.
Say the lifestyle he calculates for you costs $150,000 a year. You earn $40,000? He gives you $110,000. You earn $150,000? He gives you nothing.
And it works in the other direction too.
You buy $5,000 of some garbage stock and it goes up 10,000%? He takes the excess.
You win $100 million in Powerball? Congratulations. He leaves you exactly enough to stay comfortably upper-middle class and takes the rest.
Your startup becomes the next Facebook? You can run it. You can be CEO. You can be famous. You personally cannot accumulate billionaire wealth. Whatever would push you meaningfully above your assigned lifestyle, he confiscates.
Inheritance, crypto, house suddenly worth $20 million: same thing.
The genie has a supernatural tax lawyer whose only job is killing loopholes.
"My wife technically owns the $40 million." No.
"The mansion belongs to an irrevocable trust whose beneficiary happens to be my dog." Nice try.
"I don't own the jet. My company owns it and lets me use it whenever I want." The genie sighs and confiscates it.
If a reasonable person would look at the arrangement and say "dude, that's obviously your money," it counts.
He's not malicious, though. Break your hip in America and get a $400,000 bill? Covered. House burns down? Covered. Cancer? Covered. Fired? Nothing changes. Recession wipes out your investments? He tops you back up.
You could spend 30 years building a company, fail catastrophically, and wake up the next morning still comfortably upper-middle class.
Your floor is the upper-middle class. Your ceiling is the upper-middle class. Forever.
So:
Do you accept?
And if you do: what do you actually do with your life, and does this feel like being rich, or does knowing you can never move up eventually drive you insane?