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<h2 id="writings-header">Writings</h2>
<p>Sometimes I like to jot down ideas and drop them here.</p>
<ul>
<li>
<a href="writings/a-note-for-the-future-the-tax-bleeding-in-2025.html" target="_blank"
rel="noopener noreferrer">A note for the future: the tax bleeding in 2025</a>
</li>
<li>
<a href="writings/notes-and-lessons-from-my-departure-from-superhog.html" target="_blank"
rel="noopener noreferrer">Notes and lessons from my departure from Superhog</a>

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<!doctype html>
<html>
<head>
<title>Pablo here</title>
<meta charset="utf-8" />
<meta viewport="width=device-width, initial-scale=1" />
<link rel="stylesheet" href="../styles.css" />
</head>
<body>
<main>
<h1>Hi, Pablo here</h1>
<p><a href="../index.html">back to home</a></p>
<hr />
<section>
<h2>A note for the future: the tax bleeding in 2025</h2>
<p>
I hate taxes deeply. I fell through the rabbit hole of libertarian and
anarcocapitalist ideas some years ago, and taxes have been repulsive
to me ever since. I go to great lengths to not pay them, and feel
deeply hurt everytime they sting my wallet against my will.
</p>
<p>
I know life goes by fast, and what today is vivid in your memory fades
away bit by bit until it's gone. I'm truly hoping that, some day in
the future, the world will have changed to the better and people won't
be paying as much tax as we're doing today in the West. Since in that
bright, utopical future I'm dreaming of I might have forgotten about
how bad things were on this matter in 2025, I've decided to make a
little entry here making an estimate on how many taxes I'm
theoretically bleeding on a yearly basis right now. So that we can
someday look back in time and wonder: "how the fuck did we tolerate
that pillaging".
</p>
<h3>Inventory</h3>
<p>
Before going hard into the number crunching let's list all the tax
items I'm aware of being subject to:
</p>
<ul>
<li>
Income Tax: for the sin of making money, the state takes a hefty
bite of my salary.
</li>
<li>
Social Security: the state runs a forceful Social Security
programme. If you work, it is illegal to not pay for it. It is
specially unnerving since it is quite literally a ponzi scheme. At
least Madoff lured you into it with pretty words, not violence.
</li>
<li>
VAT Tax: for the sin of buying stuff, the state takes another hefty
bite.
</li>
<li>
Real State Tax: for the sin of owning an apartment, the state
charges me rent. Do I own it actually?
</li>
<li>
Vehicle Tax: for the sin of owning a motorcycle, the state charges
me a yearly fee.
</li>
<li>
Wealth Transfer Tax: when you buy real state, you must pay 10% of
its value in taxes. This is a one off fee if you only buy one house
in your lifetime, but it is such a slap on the face that it would be
dishonest to not consider it.
</li>
<li>
Inheritance tax: you thought you were going to keep daddy's loot all
for yourself? When you inherit, you'll go through the register
again. Like the wealth transfer tax, is not a frequent one, but it's
big so let's consider it.
</li>
</ul>
<p>
There may be some other small, less frequent taxes that I'm not
considering. These are the ones that will hit most people in my
country.
</p>
<h3>The numbers</h3>
<p>
Okay, let's go compute the hideous bill. I'll make a hypothetical
profile that's roughly close to mine, with a few assumptions along the
way.
</p>
<ul>
<li>
<em>Salary</em>: online sources say the typical salary for my job
position in my area is 70k€ yearly. Including the Social Security
paid by the company, the sum rises to ~85K€. I consider this way of
measuring honest, since I think that all the money paid out by the
employer reflects what's the true salary and value of the employee.
I read it as, "the company is willing to pay 85K€ for this. What
ends up in the employees pocket, and what in the State's, they don't
mind".
</li>
<li><em>Expenses</em>: I'll assume I spend half of my salary.</li>
<li>
<em>Home Purchase</em>: I'll assume that, during my adult life, I
would buy once the average home in my town. From what I could find
online, that's somewhere around 500K€.
</li>
<li>
<em>Vehicles</em>: I own a motorcycle and share the expenses of a
car with my partner, so I'll count 1.5 vehicles.
</li>
<li>
<em>Inheritance tax</em>: I found a figure stating the average
windfall in my country is 250K€. We'll go with that.
</li>
</ul>
<p>With those clear, let's see the actual figures:</p>
<table>
<thead>
<tr>
<th>Tax</th>
<th>€/year</th>
</tr>
</thead>
<tbody>
<tr>
<td>Income Tax (IRPF)</td>
<td>22,401&nbsp;€</td>
</tr>
<tr>
<td>Social Security (worker&nbsp;+&nbsp;employer)</td>
<td>
25,375&nbsp;€
<small
>(worker&nbsp;4,445&nbsp;€&nbsp;+&nbsp;employer&nbsp;20,930&nbsp;€)</small
>
</td>
</tr>
<tr>
<td>VAT (blended basket)</td>
<td>5,250&nbsp;€</td>
</tr>
<tr>
<td>Real Estate Tax (IBI)</td>
<td>1,000&nbsp;€</td>
</tr>
<tr>
<td>Vehicle Tax (1.5 vehicles)</td>
<td>225&nbsp;€</td>
</tr>
<tr>
<td>Wealth Transfer (10% home, spread 50y)</td>
<td>1,000&nbsp;€</td>
</tr>
<tr>
<td>Inheritance (7% of 250k, spread 50y)</td>
<td>350&nbsp;€</td>
</tr>
</tbody>
<tfoot>
<tr>
<th>Total</th>
<th>55,602&nbsp;€</th>
</tr>
</tfoot>
</table>
<p>
So there you go. A peaceful existence as a tech professional living a
normal life leads to bleeding at least 55K€ per year, all while
getting an 85K€ salary. The tax rate sits at a wonderful 64%. How far
away is this from hardcore USSR-grade communism?
</p>
<p>
And this is generous, since I didn't model (1) what gets stolen
through inflation diluting savings and (2) any capital gains that this
profile might end up paying for whatever investments he is doing with
his savings.
</p>
<p>
Then you'll see mainstream media puppets discussing why young people
don't have children. As if it was some kind of mistery. They're being
robbed their children's bread left and right, while getting hypnotized
into believing that protecting themselves against this outrageous
robbery is somehow morally despicable.
</p>
<p>Motherfuckers.</p>
<hr />
<p><a href="../index.html">back to home</a></p>
</section>
</main>
</body>
</html>

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I hate taxes deeply. I feel through the rabbit hole of libertarian and anarcocapitalist ideas some years ago, and taxes have been repulsive to me ever since. I go to great lengths to not pay them, and feel deeply hurt everytime they sting my wallet.
I know life goes by fast, and what once was vivid in your memory fades away bit by bit until it's gone. I'm truly hoping that, some day in the future, the world will have changed to the better and young people won't be paying as much taxes as we're doing today in the West. Since in that bright, utopical future I'm dreaming of I might have forgotten about how bad things were in 2025, I've decided to make a little entry here making an estimate on how many taxes I'm bleeding on a yearly basis right now. So that we can someday look back in time and wonder: "how the fuck did we tolerate that pillaging".
## Inventory
Before going into the number, let's make a list of all the taxes I'm currently facing.
- Income Tax: for the sin of making money, the state takes some.
- Social Security: in Spain, you're forcefully enrolled in a pension system designed as a ponzi scheme (not ponzi-like: it's actually a ponzi scheme), with no way to opt out.