Comment by smallmancontrov

Your incentives come from where your money comes from. This is a pretty basic concept and it's absurd to brush it off as a form of No True Scotsman.

You can get money from both labor and capital. This is called "middle class." Don't let it melt your brain, but don't oversimplify to "you owned a stock so are capital class" either. Just give the labor/capital percentages (ordinary income / capital gains) and note how it leans.

New grad tech worker: 100%/0%

Mid career tech worker: 50%/50%

Late career tech worker: 10%/90%

Retired: 0%/100%