How to Escape Dubai's New 9% Corporate Tax

[@nomadcapitalist]

Stop wasting your money and get your Plan B now: nomadcapitalist.com/apply/ See what Dubai is hiding from you: kzbin.info/www/bejne/jaG7ZIyBfqlmgc0

[@JakeyandSpikey]

Did I just see you at NY La Guardia. Nearly shook your hand I loved your book. I feel very free from the system. Thank you.

[@Juli-an-r2w]

What about beginner entrepreneurs who have not made their millions - would you advise them to live in their high tax homeland until they've "made it"? We've started 5 years ago, and struggling to grow partially due to the taxes and high cost of living in the UK, but all these lower tax countries you suggested are currently too expensive to move to e.g. Thai golden visa, Malaysian 2nd home visa, def not Switzerland or Italy, etc - can't yet afford. Bit also the Georgia offer not great as we are above the turnover threshold for the 1% tax (despite not great profits). Also can't afford to pay for your culsultation yet sadly either 😅 what would you suggest to people like us?

[@PeoplesCourtAudit]

@@Juli-an-r2w No one talks about Cyprus But Check it out! I'm in the same boat as you and I'm thinking of moving there!

[@RK-bx1by]

Qatar is sounding like a better option. You can register your company there and not pay corporate taxes while you yourself live in Dubai and pay no personal income tax. Qatar also has enough heft that they can resist being put on the FATF grey list or being called a tax haven, unlike the UAE. Turns out European countries really need that Qatari LNG right now and they'll do anything to keep their suppliers happy.

[@desertblade1874]

Qatar is a decent option and besides being an hour away from Dubai if you want to live the high life... It also has the best airline in the world and access to the GCC region since the Qatari residency lets you go and live in any GCC country As you say that they need LNG so they'll be keeping their supplier happy by not interfering with the Qatari authority over taxes and the like

[@desertblade1874]

​@kayn6858having residency doesn't mean living in Qatar, it's a means to an end, also Qatar isn't a bad country to be in if you value living in a less flashy lifestyle of Dubai, it's not less luxurious but less pretentious than Dubai. If the GCC region is not your cup of tea there are certain Asian countries that have similar or better options. Europe is getting shittier every year and unfortunately there are less and less options for a minimum taxes business environment

[@RK-bx1by]

@kayn6858 It’s not a bad country but you don’t need to live there. Your company can be incorporated there, but you as a person can still in Dubai or UK or wherever you want to live. Your company will pay 0% tax, and you then get more flexibility in deciding your personal tax situation. If you want, you can just live in Dubai and pay 0% personal income tax.

[@alexjacksonofficial]

If you live in UAE then the company is a CFC and taxed in UAE

[@chadpit2938]

According to Wikipedia, Qatar's corporate tax is 10%. Maybe you are confusing it with Bahrain that has 0% corporate tax. Or is there a specific rule for foreigners in Qatar?

[@andrescv2665]

Dubai is too mainstream. It was amazing before 2020, better prices, less fake people, no traffic, before the tsunami of influencers came

[@DanielPekic]

The shit air quality is still as shit as 2020

[@555125kevin]

that what happens when too many westerners flood a country

[@zobaiemoney]

Everyone has their own preferences. I still choose dubai over anywhere else. It’s safe, fun and chill if you know where to go or how to move

[@JamilaJibril-e8h]

Fact

[@primoxxl71]

Dubai was better mid 90's to about 2010. It's fallen off big time.

[@farooqkeita700]

Taxes never go backwards

[@DavidIke07]

Indeed!

[@lylefranksaunders2113]

the best strategy for non UK or US citizens is fairly simple, if you need access to both Europe and the US, you have a US LLC in Wyoming with a UK LTD as a subsidiary, now you have access to both and you only pay taxes where you live, to retain the pass through status, don't trade directly in the UK and don't trigger PE in the US, now all you need to take care of is your personal TAX residency by moving and renouncing your tax residency in your current country. The absolute cheapest structure to maintain as well

[@shoaibriz]

Interesting. Why have a uk subsidiary, what will that help will?

[@lylefranksaunders2113]

@@shoaibriz you don't really need one, its depending on where you start off and what you are selling, you can do with either or to start with, the US will give you certain banking options and the UK will give you other banking options, which you can open as a non UK or US citizen, so that's another reason to have both

[@RK-bx1by]

Added bonus is that U.S. structures almost never get exposed. Not a single U.S.-based structure was found in the Panama and Pandora papers. In terms of international tax transparency, the U.S. is right up there as the worst offender. Granted, this only really works for those who aren’t U.S. citizens or can find creative ways to get around this. When the Pandora papers came out, many said that it only exposed the ‘B-team’ of tax planners. The ‘A-team’ has its stuff based in the U.S. God knows how many corrupt foreign politicians also have their hands in things like these.

[@Mr.Carter777]

🚩In Canada, the government led by Justin T. Ballon has increased the number of public jobs by 40%. To finance this, they have increased the Capital Gains Tax to 67%, causing many businesses to leave. It's the first country that actually punishes success!🚩

[@whocareswhoiam2day]

Come to Dubai Habibi

[@asadzeethree2726]

They want slaves, not business owners! Which is the direction all Western governments are going and most likely the whole world 🌎

[@Beyondthedreamofreality]

I have dual status and I regret never moving to Florida or Texas where taxes are low. Instead I stayed in Canada and kept paying high taxes and pretty much staying hand to mouth even though I made reasonable money throughout. And they don't make it easy to move either. CRA will watch you like a hawk and want taxes regardless of where you go and live.

[@taliajournee212]

@@Beyondthedreamofreality Living in Canadian hell with you currently, I was wondering, do you know if you have dual citizenship can cra still get you tax wise? If so, it's not worth keeping Cdn passport.

[@amandaharrison7673]

@@taliajournee212I am a dual citizen. Just left Canada to uk. You don’t get taxed by Canada unless you make money in Canada. (For now!)

[@hyperpedro2868]

Banking facilities should be taken into account too. You can spend a lot of banking fees in some countries and have no access to leverage. Dubai has extremely hot weather 4 months each year and is very expensive. It doesn't seem attractive anymore.

[@CoryJaccino]

This episode has perhaps the most jam-packed information I’ve seen in years. I hope everyone is paying attention.

[@nomadcapitalist]

Thank you!

[@strangersadvice]

if you dont mind pay 9 procent go to Bulgaria and pay 10 procent for a fraction of the price of Dubai and no annual costs!

[@whocareswhoiam2day]

Bulgaria 🤮

[@don_kandon6006]

@@whocareswhoiam2day Its a decent country, in eu, nato, have shengen access etc, and you can get their passport too, which is actually a very strong passport.

[@whocareswhoiam2day]

@@don_kandon6006 all nice, but most ladies with mustache, 3rd world country

[@whocareswhoiam2day]

@don_kandon6006 it's an incomparable level of life, like comparing a Nebraska village with Manhattan.

[@don_kandon6006]

@@whocareswhoiam2day Oh for sure when it comes to bulgaria, though as i said, can get passport, meanwhile in uae forget about it. but definitely bulgaria vs dubai is not really a comparison. But he probably meant forming company, and not living there. Though sofia is nice, so is the coast of bulgaria- varna, burgas etc.

[@Vierett]

Can you do an episode on the best countries to live for day traders from a tax perspective?

[@taliajournee212]

Great breakdown Andrew, you mentioned so many countries that I was curious about!

[@estefaniamiranda1]

What do you think of North Cyprus for a Plan B? I could not find anything about it on this channel.

[@steve85710]

So Malaysia and the Philippines don't tax incoming remittances from abroad for foreign residents, but Thailand does. Did I hear that right?

[@eduardssizovs6384]

No, that's not exactly right. Malaysia taxes incoming remittances (they don't tax income if you don't transfer $ to Malaysia OR income that has already been taxed abroad), Thailand taxes income earned the same year as remitted. Not sure about Philippines.

[@gun707]

Dont ignore the fact that Dubai tax system is only for corporate, not personal

[@yrg007]

For now personal isn’t taxed. Only a matter of time that also gets introduced.

[@mohamedeldarat834]

If your a owner you cant pay yourself a salary. So that loophole is closed.

[@nkjoself2040]

Love you Andrew, changed my life.

[@shoaibbux]

Andrew there is value add argument here. I believe there is no other better lifestyle you can get and have access to far easten markets. 9% is a small price to pay. Also what do yo udo when other tax free jurisdictions starting adding tax? Ultimately there is a cost to jurisdiction jumping

[@abu_muhammad]

9% plus all the existing hidden taxes in the form of fees every time you breathe, to live in a two tiered society and a govt that makes rules as they go along... Not value for money imo.

[@abu_muhammad]

Did I mention it's also one of the most expensive when it comes to housing, communications, internet, healthcare, schooling, justice, hospitality, recreational activities and the list can go on. All of the above was just about fair when you could say "because it's tax free"... Now you need to hire a team of accountants, get ripped off, keep records, worry about messing up, pay taxes AND pay the highest fees and tariffs in the world.

[@alexandrudodon1]

@@abu_muhammad feel free to not live in Dubai lol I'll take this over any other city.

[@obiwayne2247]

I also saw that georgia offers a few options for IT companys like virtual zone company`s where you have 0% corporate tax altho they seem to be very selective on what kind of IT companys they accept, also apperantly you have 0% tax in the free trade zones of georgia, but apperantly not all companies can apply its a bit complicated i don`t understand it completly. My question woud be are there other such hidden places like some very low tax free trade zones or special tax deals for companys in other countries? Like the labuan 3% tax in malaysia you mentioned.

[@whocareswhoiam2day]

Georgia is not a country, it's Russian backyard. In case of attack from Russia, they will raise the Russian flag.

[@nandonando4421]

How do families with kids achieve this lifestyle of living 1/2 the time or 1/3 in one country and the rest in another? Can you make a video about that?

[@TokyoTaisu]

@JohnHarthomstowCEO cool lifestyle, I want to do Seoul (6 months sep-march), Taipei/HK (3 months) and Europe (3 months).

[@AquariumRuss]

Andrew, better find me a broker. The requirements are as follows: 1 No I/O fees. 2 no subscription/depository fee. 3 no fee for non-activity. 4 the commission for the transaction is no more than 0.05%. 5 he is insanely glad to have a new client with the number 999... and ready to register it online.

[@blurglide]

In 100 years, we'll be talking about how low the taxes are in Antarctica. 100 years after that....Mars. Jeez- as though the sandbox of Dubai weren't bad enough.

[@WhatsupTony]

Not much mention of Hong Kong? I’m moving my freezone company from Dubai to HK, according to my research it’s the best decision to continue with the 0% tax 🎉

[@mauricevanravels]

Hong Kong is expensive af

[@WhatsupTony]

@@mauricevanravels I’m not living there, either did I live in Dubai. Just incorporate the company there and enjoy 0%

[@JohnJackson-e9z]

HK is dead. The CCP killed it.

[@mauricevanravels]

@@WhatsupTony ahhh good

[@whocareswhoiam2day]

Very hard to open bank account and credit card processor for hk

[@ilikeshroomgals]

Nomad capitalist is most definitely not anti UAE. His pro go where your treated best.

[@gregoryhillmercury645]

What about Malta?

[@dereksbooks]

Didn't watch the video?

[@VlogLife247]

Love Dubai but as with youself Asia is the place to be...the best all-round place in the world for business and lifestyle! 😉😉

[@therealashleycrouch]

What about Isle of Man? Or Cayman Islands? Never hear about these…

[@iREALmedia]

Sure we do: Jimi Hendrix at the isle of Wight

[@whocareswhoiam2day]

Isle of Man its hard to make office, only sheep's all around, bad weather sometime to fly from London

[@nobbynobbynoob]

British dependencies rock. However, they do suffer from housing shortages, high living costs, and transport difficulties/disruption.

[@Jarrylune]

I thought the tax was personal not corporate? Let us know where we should incorporate other than UAE

[@AhmedAshfaq-t9s]

theres no income tax only 9% corporate tax for business owners and zero property taxes .

[@steffmay7969]

Isnt it quite hard to live in the UAE without a company giving you a visa? So if you wanted to live there and follow what youre saying here you'd have to have an offshore company & a free zone company?

[@videofrat3115]

what about cyprus?

[@TIG2MAN0]

Somewhat off subject, I notice MANY americans only speak 1 language where many other nationalities speak at least 2 language. If Im a native english speaker what would be a good 2nd language for me to pick up? I spend a lot of time in the middle east so Im working on classical arabic. Its very challenging, are there any other good languages to pick up?

[@davedimitrov]

If you're headed to a latin american region, learn Spanish. For Singapore and east asia, Mandarin is the way to go. In the Middle East stick to modern standard Arabic since that's what they've agreed upon

[@raketensven3127]

Depends where you see yourself most in the near and far future. In general it's just a numbers (of speakers) game. Mandarin, spanish, maybe french, portuguese etc.

[@RK-bx1by]

Spanish has the most global reach after English. All of Latin America expect Brazil speaks Spanish, not to mention the country of Spain itself. If you're American, then there's the added bonus of being able to speak Spanish in places like Miami and near the Mexican border. Latin American countries are also geopolitically stable and they have ample natural resources. They are also quite friendly in matters of immigration and citizenship. You can also buy farmland in stable places like Uruguay. And Spanish is not too difficult for English speakers to pick up on. And Portuguese would also be easy to add to your list afterwards, and the other romance languages.

[@dakota-rt8kd]

Spanish 🎉 😊 seriously 🎉

[@dakota-rt8kd]

So many beautiful places 😊 I Love, Thailand, also. Some, of the nicest people and I love their culture, cuisine and Spirituality, always , smiling and friendly 🙏💛🙏💫💚🙏

[@aaronadam4747]

Do you need to show bank statements and proof of funds and employment status for applying for evisa and online visa for tourism purposes?

[@kaddywilliams3984]

That depends on the country you're visiting, some countries don't care about that stuff.

[@kbtitan2464]

@ Hey man how is it in Tanzania?

[@YairDeR]

For the first 3 years of this corporate tax If your business makes below (around) 816,000$/3M AED you can be exempt from having to pay the tax (Small business TAX Relief) If you have a huge business i understand it just got worse, but if for now you are making 100-500k its still a good place to build your wealth for these 3 years and then you can always move somewhere else after

[@cashappking2720]

He loves not mentioning this to sell you a $200k passport

[@andreas_tech]

Great stuff!

[@PeepsPierre]

Andrew, I love your videos but you’re wrong on this one. I’ve lived in many of the countries that you mentioned and I now reside permanently in Dubai, honestly you cant compare any of these countries to the UAE. The ease of living , the safety, the social aspect, the hotels, the digitization of all governmental processes, the regional ease of travel and in general the quality of life that you can have in the UAE is on a different level. Many of my friends leave thinking that they can have a better life in Ireland, Canada , Georgia etc… and couple of months later they are back here looking for a job. Trust me nothing compares to living in the UAE and particularly in dubai.

[@zobaiemoney]

@@seraph3761it’s tax free if you earn less than $800,000

[@Beyondthedreamofreality]

Well I bet it won't be most of my income that I pay in Canada in taxes. They will soon tax sneezing as well. I feel the objective here is to keep everybody hand to mouth

[@AhmedAshfaq-t9s]

Couldnt agree more i moved from California 23 years ago to Dubai and decided to retire here after i had my kids it was the best decision .

[@TheOmikami]

Why doesnt anyone speak about Air Pollution?

[@4363HASHMI]

Is it an tax or an mechanism to cement the status quo of corruption

[@henrikjohansson6442]

why does many people on reddit and other sites say that this guy is scamming there customers?

[@JamilaJibril-e8h]

Talk about Monaco 😊

[@marketwhisperer7682]

What if you have freelancer permit in Dubai? No taxes there, I presume?

[@wesco_taubert]

well if your income in the year is less then 370.000 aed .... you don't have to pay tax ! so far my understanding !

[@BboyMozelley]

there are aspect where Dubai is just the best, and for me it's the real estate ROI. i invest allmost everything i make, idon't know how long i will be in business. so dubai and investement in real estate, hopefully my clients stays with me a year or two. after that i can at least "FIRE" if I want to.

[@RK-bx1by]

There's a lot of construction going on of luxury apartments in Dubai. It was only 10 years ago that there was a real estate crash. Demand from Russian buyers has already dried up, so I'd be wary of being bullish on Dubai real esate.

[@tylerhandley1787]

@@RK-bx1by there will be a HUGE excess supply of housing in the next few years. I think the demand wont be there honestly causing prices to fall

[@elnurseyidli8844]

Andrew, thanks for the video. I wonder why you never mentioned Qatar?

[@queabdulaal]

I do trust the best comparison would be apple to apple, UAE (Dubai) to ??!! I do trust the cities & countries that you are comparing with are far from being compared to UAE (Dubai) in so many points from efficient government, to adopted technology, government services, security & safety, and the list goes on…

[@RK-bx1by]

Yeah Andrew's said that places like Kuala Lumpur offer a very comparable quality of life to Dubai. It's a territorial tax country so you won't be paying taxes. And Kuala Lumpur is also a safe city with an efficient government (but obviously not as safe as Dubai, but still safe). And, according to Andrew, better English is spoken in Kuala Lumpur than compared to Dubai.

[@queabdulaal]

@@RK-bx1by I do love Malaysia & kept visiting the country, but still far from a place where Dubai in many aspects.

[@queabdulaal]

You might also google crime rate in Malaysia & UAE .

[@RK-bx1by]

@@queabdulaal I think it depends on your lifestyle. I personally like greenery. And the slightly higher crime rate in Malaysia is not a problem for me because it's just petty crime. There is little violent crime in Malaysia, especially in Kuala Lumpur. That matters most to me. And we should also understand that Malaysia is a much larger country than the UAE. Kuala Lumpur is an advanced city and has many of the amenities you can find in Dubai. If you want even more luxury then you can just live in Johor Bahru and cross the border into Singapore. Nice properties are also cheaper in Malaysia. Even Nomad Capitalist is hosting their annual function in Kuala Lumpur and not Dubai.

[@queabdulaal]

It is a debatable conversation, but Dubai & UAE has its unique lifestyle & people. And Malaysia has its people & style of living. According people chose the best for them and their needs.

[@Dragoon77]

How do you write the name of the Malaysian territory mentioned in 7:18?

[@derchiongster8068]

Labuan

[@Dragoon77]

@@derchiongster8068 Thanks

[@mosqutio88]

labuan island

[@ShahulHaq]

Most of those companies are going to move out to neighbouring cities or countries, no citizenship is a biggest deal breaker

[@DamienYuen7718]

Why would you want to live in Dubai? It's hot asf, expensive and boring.

[@shaqisumari304]

Come to Labuan Offshore

[@zweiwing4435]

So, where is new place for 0 Capital Gain Tax? New video edition?

[@uplandarch697]

Dubai also has cheap super cars that double as submarines.

[@raymadani270]

Don't you ever get tired of fleeing one country for another one?

[@allykhan8594]

No! Exciting!

[@allykhan8594]

Kust avoiding the West where there are a lot if taxes being pissed away like u.k, France and spain.

[@JamesHolmshaw]

The Isle of Man is the way to go

[@whocareswhoiam2day]

Instead of nice looking girls in Dubai, you will see grey sheep 🐑 in Isle of Man

[@CosmosChill7649]

Have you tried living in that desolated island?

[@dickdevuyst6253]

@@CosmosChill7649 Why would you need to live there? You just have your company there.

[@irvingflores4137]

I'd rather go to the isle of women. Hot women

[@nobbynobbynoob]

Nice place and I find the zero CGT agreeable. The three downsides (in descending order of importance): - Housing, lack thereof, especially rentals - this problem mightn't be unique to 🇮🇲, but it's acutely bad there. - High living costs: food, fuel, energy... - Weather-induced transport disruption

[@PeoplesCourtAudit]

What about Cyprus! No one talks about cyprus and its also a good choice!

[@nomadcapitalist]

You can read our blog about Cyprus: nomadcapitalist.com/global-citizen/how-to-establish-tax-residency-in-cyprus/

[@ElliottJMiller]

Still better than US. And more safe.

[@andyh3970]

Plea see talk more about Serbia. Beautiful country and people. Houses are cheap!

[@TSBye-qo1vc]

I believe he used to wear a Serbia flag pin in videos.

[@stephenbradshaw5311]

Cyprus was not mentioned is that no longer a viable option.

[@nomadcapitalist]

It is.

[@Mellolyfe]

Hi Andrew! My name is Mello and I’m an American entrepreneur( barber) that’s trying to save money to move to Bahrain!!! I don’t know the full process and steps I need to get situated there besides finding clients but I would probably have to find a job first before I get to the entrepreneurial side of business 😏 if u can help me or give me some great advice on moving there I would really appreciate it!! I love the channel I’ve actually learned some great things from watching!! My goal is to move there next year but if I can find clients I would move ASAP!!

[@RK-bx1by]

Bahrain may not have taxes but their economy is weaker than America's. You're better off being a barber in a rich area of some American city. I think people underestimate the amount of money you can still make in the West and most certanly the USA. And plenty of tax breaks in the USA too.

[@Mellolyfe]

@@RK-bx1by and to be honest bro I’m already in a rich big city in America I live in htown(Houston,Tx) but da problem is in America there’s so many barbers not saying I don’t have faith in my craft bcuz in my eyes I’m da goat 🐐😎 I just know overseas supports exotic things or people more than da locals bcuz they’re not use to having easy accessible things or people from America unless ur in da military 🤷🏽‍♂️

[@huzz4]

From bahrain, can say ur right having an american would be considered exotic, just because its not the norm. But theres much more to consider. All the best

[@karlweiss7560]

Isn’t Dubai under water now?

[@IloveCamels335]

All is back to normal

[@DakotaFord592]

Pay the tax??

[@rocmon]

at a certain point, doesn't earning multiples of your needs become glutinous and unwise?

[@RK-bx1by]

To be fair, at the end, Andrew did mention that it's okay to pay taxes to live where you truly want, but you should still give yourself the most flexibility by registering your company in a place with 0% corporate taxes. Then you can go yourself and live wherever you want and pay whatever the tax rate is, based on the salary you pay yourself.

[@michaeldouglas7989]

Crypto bros don’t care. Doesn’t affect us.

[@georgeallen7667]

Go to a BRICS or a BRICS pending country. Get out of the dollar

[@pretread]

There is no soild solution here

[@rubensnogueira5838]

5:58 Saudi Arabia = Khashoggi

[@Beyondthedreamofreality]

Lol

[@andreas_tech]

Switzerland, monaco.... ;)

[@whocareswhoiam2day]

SA is 20% CIT

[@ViktorSavitskiy]

Talking about new taxes heard the U.S president proposing 43 percent capital gains tax. It's time to leave

[@ViktorSavitskiy]

Need a video for us traders, come on nomad capitalist

[@primoxxl71]

44.6 from what I heard.

[@ViktorSavitskiy]

@@primoxxl71 they might as well make it 50

[@plazoo]

if im not mistaken the proposed bill also proposes to remove the 1031 allowance ?

[@alfonsbuter3761]

Pretty pathetic to let the tax rate decide where you live. Did you ever realise that education of children is payed with taxes?

[@primoxxl71]

And how's that working out?

[@marcom7873]

Switzerland is the best country in the world 🙏🏻🇨🇭 All US people would to live there 🙏🏻🙏🏻🇨🇭🇺🇸

[@hervio9537]

Brother at the end of the days You need to file an application for heaven it's free no taxes. ACCEPT JESUS AS YOUR SAVIOR ....

[@kinestaugustsyntera]

Philippines 😂 Don't be silly.

[@whocareswhoiam2day]

😂 I live in Dubai, and my gf is Ukrainian blonde model:)😂😂😂🎉🎉🎉

[@1985MrFRESH]

And why are you commenting this?

[@whocareswhoiam2day]

@1985MrFRESH he told in video- because not everyone drives a Ferrari and has Ukrainian females

[@Adnan2003]

💀💀💀

[@Jus1408]

that must be your biggest achievement in life 🤣🤣 good flex :sarcasm:

[@whocareswhoiam2day]

@kayn6858 I am also Ukrainian origins, so 2 Ukrainian wives it's pretty standard for wealthy man.

[@leticastaneda3327]

I don’t think it’s right just to dump your waste and contamination and not contribute to the communities you are in. And just take take tale

[@nomadcapitalist]

That’s your interpretation of it. Dubai never considered people “takers” before and plenty of people donated more to charities with their extra wealth.

[@RK-bx1by]

To be fair, the UAE doesn't give benefits to its non-Emirati residents, so I don't know what exactly is being taken from the community, and they have trillions of dollars in oil wealth. If a country will always treat me like a foreigner, then I have no reason to pay more tax than I legally have to. It's completely legal to move your company offshore. We are talking about the same country that literally set up various free zones so that companies of other countries could avoid taxes.

[@wesco_taubert]

@@RK-bx1byexactly this came in my mind too ! no free school no free health no nothing for us expats ! so why ? even for us small guys without million income in the year it's not nice anymore ! 🥹