Quoted By:
Armchair financial planner:
Coco's lifetime total SC earnings according to latest playboard data: $2,284,812. Given what we roughly know about Youtube and Cover cuts, let's assume a third of that went to her: $761,604.
(disclaimer: this is of course just the public side of things, there are additional sources of income we don't know, like memberships, sponsorships, merch deals, etc., which could increase that number, even dramatically depending on how big they were, but let's just work with what we have and take this as a lowball estimate).
Now let's account for japanese and/or US taxes, again the details are not known but lets just assume a rough 20% rate for an idea, which leaves $609,283. Now lets consider that she already used some of that money for her normal living expenses and day to day consumption. How much? Again, unknowable, but assuming she didn't blow it all on extravagant high-life shit and lived a relatively frugal or at most middle-class life, she maybe already spent $50k to $150k during the 1,5 years of her Hololive career. Let's make it the middle number and say $100k, which leaves us with $509,283. Now for the fun part, assume she ~invests sensibly~ that remaining nest egg, so no /biz/memes but just a classic "boring" financial mix of diversified stocks and bonds, and assume a 4% "safe withdrawal rate", she'd have a perpetual passive annual income of $20,371 from that (of course, there's also taxes to be deducted from that, so make that around $16k if you assume the same rough 20% tax rate estimate). Now, while that's nothing to sneeze at and is certainly a nice supplemental income, it's still not "never have to work again"-level money, if you tried to live off that alone, it's barely above total poverty line and not even really lower-middle class level income, so she'd probably still have to do something else on the side or as a main job. Of course, again, we don't really know how much money she also made through membership/sponsorship/merch/etc., which could bump up those numbers significantly, even up to doubling it, which would get her closer to "can actually afford to retire and live off capital gains forever" into reaching middle-class income levels. Not comfortable "you can do everything you want" level, you still have to be frugal with your money, but at least you wouldn't necessarily be forced to go back into just any old minwage shitjob.
