Generating $1 million in annual income is a financial goal that many people spend years achieving. While discussions about wealth creation often focus on building businesses, investing in high-growth assets, or developing multiple income streams, EasyA co-founder Dom Kwok presented a much simpler, though highly unrealistic approach that quickly drew reactions from social media users.
Kwok stated that making $1 million per year is “a lot simpler than most people think.” He explained that someone only needs to have $30 million, invest it in U.S. Treasury bills with a 3.5% annual yield, and collect approximately $1 million in yearly income. He ended the post by telling readers not to “overthink it.”
making $1 million per year is a lot simpler than most people think.
all you have to do is take $30 million dollars, put it in t-bills and with a 3.5% yield you're making $1 million per year.
don't overthink it.
— Dom Kwok | EasyA (@dom_kwok) July 15, 2026
A Mathematical Example Rather Than Practical Advice
Kwok’s calculation is based on straightforward arithmetic. At a 3.5% annual yield, an investment of $30 million would indeed generate roughly $1.05 million before taxes and other considerations. The post focused entirely on the investment returns rather than on the challenge of accumulating the initial capital.
Although the numbers were mathematically accurate, the requirement to already possess $30 million became the central point of the conversation. Many readers treated the post as a joke because of the enormous amount of wealth required for the strategy to work.
One user, Nick LoBue, described the post as “rage bait,” suggesting it was designed to provoke reactions.
XRP Army Responds With Humor
The replies quickly filled with humorous observations about the obvious obstacle in Kwok’s proposal.
A user identified as PANICINDC5X5 remarked that the only issue was needing the initial $30 million, joking, “Lol just need the 30 mil bro.”
Another commenter, MoonPartyTime, took the conversation in a different direction by referencing cryptocurrency investing. The user joked that someone could instead put $10 million into crypto and watch it become worth $1 million eight months later, implying a significant loss in value rather than a gain.
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AHez also joined the exchange with a sarcastic response, joking about heading to the garage to retrieve bags containing $30 million and thanking Kwok for the advice.
A Post Built Around Simple Math
Kwok did not present the post as a detailed financial strategy or investment guide. Instead, he reduced the idea of earning $1 million annually to a basic calculation based on fixed-income returns.
The responses showed that while many users recognized the arithmetic behind the example, they viewed the assumption of already having $30 million as the punchline. As a result, the conversation centered less on Treasury bill yields and more on the practical reality that very few people have access to that level of capital in the first place.
Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses.
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