"Y Combinator for people?"
ErrantX: Intruiging idea. However it seems extraordinairily high risk for the investors. You mention choosing the recipients would be tricky and that if they fail (which I imagine would occur in a high percentage of choices) they could get a high paid job to pay it off. However:- Jobs ar never guarateed. I know some excellent people who have struggled to find jobs. If they had to apply to a job after 5 yrs of being an entrpeneur I think they might struggle. "So what have you been up too prior to this?". "Oh, well someone gave me 5,000 a month for 5yrs and now I need to pay it off." Even with spin it doesnt sound too hot :)- The current economy is shaky. This person has no guarantee for this high interest loan. If things go south there is no guarantee on the money. Yes the return is very good (well, sort of good) but the risk seems crazy high. Expecially as there is no feedback...When YC funds hackers they choose projects that may or may not succeed - which is a risk. But there is a modicum of protection in the funds. They also take an involvement in the business and provide valuable advice that will help it get off the ground. In your scheme it is something of a fire and forget.If I had 100,000 to invest/spend somewhere I would certainly play it on other risks (definitely trading 20% year on year for 10-15%) with more security.(btw are you calculating interest year on year or per total exp? yoy your stats are ok, but per total your average is actually makign a loss of about 3% (ish)).EDIT: I just realised you said $2000 a month - not $5000. Last year I was on the same salary (in the UK £1000 a month, which is probably a touch less). I lived at home with my parents and paid them £120 a month rent. Even then I just about managed to have any liquid income (buying foodand contributing to the house bills). Were I living on my own (payinf real rent) I dont think I could afford it :D (would be a push) and certainly not afford the facilities to be an entrepeneur.