>>73271769I don't disagree with your points but...
>>forgetting income taxes take 30-40% of the 7000 and usually higher for self-employed people$7k a month is $84,000 a year, that puts you in the 22% federal tax bracket (single filer). Any content creator with a working brain moves to Texas since they have no state income tax. I don't actually know how self-employment impacts this, but I can't imagine it changes your federal % by that much, so I have a feeling it's much lower than you're presenting here (closer to the normal 22%).
>>forgetting medical insurance is megabucks in burgerland and is non-negotiable with Mint's health historyYes this is a fact and there's no getting around it for her.
>>forgetting deductions for self funded retirement plans/investmentsDepends on how much she wants to start setting aside, when she wants to start, what her actual retirement goals are. "Dump money into an account because people say so" isn't always the best retirement plan for every person (though it's definitely smart to start early).
>>forgetting common business expenses like artist asset comissions, music mixing, song cover copyright fees, and annual expenses like model upgrades and revisionsAll of that is expensive, but not unmanageable. It's not like she's running a 10 person company.
>>forgetting the vast majority of twitch subs and youtube memberships are single-month gifts spammed by whales and not month on month stable renewalsAs long as she keeps getting gifts, this doesn't actually matter. The money you get for a gift vs a regular sub is identical (unless your gift tier is set to be some really low amount, so you can hide member's only content, or something, and only give the gift tier access to emotes - a fairly common setup).
