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Liquidity Pool Mining In Osmosis Zone For Cosmos
February 12, 2023
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(Dinarian Note: I do hope this helps some of you realize the potential that lays within Osmosis Zone.. any questions let me know, I do this regularly to not only make a few 100% APY, but to help support XPRT liquidity..)

 

Getting Started

Before opening the Osmosis AMM App, make sure to install the Keplr Wallet.

Open the App

Go to https://app.osmosis.zone/

 

Connect Wallet

Click Approve. This confirms that you are connecting to the app.osmosis.zone and the chain osmosis-1.

⚠️ Always make sure you are connected "app.osmosis.zone" and network "osmosis-1"

 

Deposit Funds

Click "Assets", Then click on the deposit link next to the asset name. For this example we are            clicking the ATOM deposit link.

Approve connection to cosmoshub-4

Once connected, select how much you would like to deposit, then click the deposit button

 

Approve the transaction

Once the transaction is completed a series if confirmations notifications will be displayed                    including the IBC confirmation.

 

Swapping Tokens

Swapping tokens is as easy as selecting the tokens you wish to swap and selecting the swap button at the bottom of the order window.  Be sure to read the glossary at the bottom of this tutorial to learn about terms such as slippage and impermanent losses.

Adding Liquidity to a Pool

Select a pool from the Pools page. 

Then click Add/Remove Liquidity

 Input a quantity of one of the assets. The quantity of the other asset(s) will auto-complete. (Pools          require assets to be deposited in pre-determined weights.)

⚠️ In order to get your rewards you must bond the liquidity pool tokens.

To remove liquidity, input the percentage amount to withdraw.

Incentivized pools receive OSMO liquidity mining rewards. Rewards are distributed to                    bonded LP tokens in the pools that meet the bonding time requirements. The longer you                provide liquidity to the pool, the more rewards you get.

Bonded Liquidity Pool (LP)Tokens

You can choose to bond your LP tokens after depositing liquidity. LP tokens remain bonded for any amount of time you choose. Remember, bonded LP tokens are eligible for liquidity mining rewards ONLY if they meet the minimum bonding length requirement for that incentive.

Click "Bond Shares" and approve the transaction in your Keplr wallet.

When you want to un-bond an LP token, you need to submit a transaction that begins the                unbonding period. After the end of the pre-determined period (usually 14-21 days), you then will        submit another transaction to withdraw the tokens.

Liquidity Bootstrapping Pools

Osmosis offers a convenient design for Liquidity Bootstrapping Pools (LBPs), a special type of automated market maker designed for token sales. New protocols can use Osmosis’ LBP feature to distribute tokens and achieve initial price discovery.

LBPs differ from other liquidity pools in terms of the ratio of assets within each pool. In LBPs,the ratio changes over time. LBPs involve an initial ratio, a target ratio, and an interval of time over which the ratio adjusts. These weights are customizable before launch. One can create an LBP with an initial ratio of 90-10, with the goal of reaching 50-50 over a month. The ratio continues to gradually adjust until the weights are equal within the pool. Like traditional LPs, the prices of assets within the pool is based on the ratio at the time of trade.

After the LBP period ends or the final ratio is reached, the pool converts into a traditional LP pool.

LBPs facilitate price discovery by demonstrating the acceptable market price of an asset. Ideally, LBPs will have very few buyers at the time of launch. The price slowly declines until traders are willing to step in and buy the asset. Arbitrage maintains this price for the remainder of the LBP. The process is shown by the blue line below. 

Choosing the correct parameters is very important to price discovery for an LBP. If the initial price is too low, the asset will get bought up as soon as the pool is launched. It is also possible that the targeted final price is too high, creating little demand for the asset. The green line above shows this scenario. 

Osmosis' goal is to provide an easy-to-use LBP design to give protocols the best chances at a  successful pool. The LBP feature facilitates initial price discovery for tokens and allows protocols to fairly distribute token rewards to the pool liquidity providers.

Bonded Liquidity Gauges

Bonded Liquidity Gauges are mechanisms for distributing liquidity incentives to LP token holders that have been bonded for a pre-determined and disclosed amount of time. Close to half of the daily issuance of OSMO gets distributed as liquidity incentives.

For instance, in a Pool 1 LP share, 1-week gauge would distribute rewards to users who have bonded Pool1 LP tokens for one week or longer. The quantity of OSMO that each liquidity provider receives is directly in proportion to the number of their personally bonded tokens.

A single bonded LP position may be eligible for multiple gauges. The only thing that effects the guages is the minimum amount of bonding time required for each gauge.

Tux, the Linux mascot

Another incentive is the fact that, the rewards earned from liquidity mining are not subject to unbonding. Rewards can be transferred immediately to use how you see fit. Only the principal bonded shares are subject to the unbonding period.

Allocation Points

Not all of the liquidity pools have incentivization gauges. Staked OSMO hodlers choose which pools to incentivize via on-chain proposals. To incentivize a pool, governance can assign “allocation points” to specific gauges. At the end of every daily epoch, around half of the newly released OSMO (the tokens meant for liquidity incentives) are distributed proportionally to the points that each gauge has. The percent of the OSMO liquidity rewards that each gauge receives is calculated as its number of points divided by the total number of allocation points.

Take, for example, a scenario in which three gauges are incentivized:

  • Gauge #3 – 10 allocation points
  • Gauge #4 – 5 allocation points
  • Gauge #7 – 5 allocation points

20 total allocation points are assigned in this scenario. At the end of the daily epochs, Gauge #3 will receive 50% (10 out of 20) of the liquidity incentives minted. Gauges #4 and #7 will receive 25% each.

Governance can pass an Update Pool Incentives proposal to edit the existing allocation points of any gauge. By setting a gauge’s allocation to zero, it can remove it from the list of incentivized gauges entirely. Proposals can also set the allocation points of new gauges. When a new gauge is added, the total number of allocation points increases, thus diluting all the existing incentivized gauges. Gauge #0 is a special gauge that sends its incentives directly to the chain community pool. Assigning allocation points to gauge #0 allows governance to save some of the current liquidity mining incentives to be spent at a later time.

At genesis, the only gauge that will be incentivized is Gauge #0, (the community pool gauge). However, a governance proposal can come immediately after launch to choose which gauges/pools to incentivize. Governance voting period at launch is only 3 days at launch, so liquidity incentives may be activated as soon as 3 days after genesis.

External Incentives

Osmosis not only allows the community to add incentives to gauges. Anyone is eligable to deposit tokens into a gauge to be distributed. This feature allows outside parties to augment Osmosis’ own liquidity incentive program.

For example, there may be an ATOM/XPRT pool that has a one-day gauge incentivized by governance OSMO rewards. However, PersistenceOne(XPRT), may also choose to add additional incentives to the one-day gauge or even add incentives to a new gauge (such as one-week gauge).

External incentive providers can also set up long-lasting programs that distribute rewards over an extended time period. For example, PersistenceOne can deposit 30,000 XPRT to be distributed over a one-month liquidity program. The program will automatically distribute 1000 XPRT per day to the gauge.

Fees

Osmosis also provides three sources of revenue: transaction fees, swap fees, and exit fees.

TX Fees

Transaction fees are paid by any user to post a transaction on the chain. The fee amount is determined by the computation and storage costs of the transaction. Minimum gas costs are determined by the proposer of a block in which the transaction is included. This transaction fee is distributed to OSMO stakers on the network. Validators can choose which assets to accept for fees in the blocks that they propose. This optionality is a unique feature of Osmosis.

Swap Fees

Swap fees are fees charged for making a swap in an LP pool. The fee is paid by the trader in the form of the input asset. Pool creators specify the swap fee when establishing the pool. The total fee for a particular trade is calculated as percentage of swap size. Fees are added to the pool, effectively resulting in pro-rata distribution to LPs proportional to their share of the total pool.

Exit Fees

Osmosis liquidity providers pay a small fee when withdrawing from any pool. Similar to swap fees, exit fees per pool are set by the pool creator. Exit fees are paid in LP tokens. Users withdraw their tokens, minus a percent for the exit fee. These LP shares are burned, resulting in pro-rata distribution to remaining LPs.

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⚠️90 DAYS WITHOUT THE GRID⚠️
Why Governments Are Preparing for Critical Systems to Fail

MIND BEND THEORY | DOCUMENTED INVESTIGATION

The United States is preparing major military installations to continue operating if civilian infrastructure goes down. Britain is telling households to prepare for days without essential services. India is warning that an attack on the financial system can weaken a nation. And the Bank of England is asking what happens when cyber defenses fail—not if they can prevent every attack.

Individually, each development has an explanation.

Put them beside one another, however, and a larger pattern becomes visible.

Over the span of only a few weeks, governments and financial authorities in the United States, United Kingdom and India have publicly discussed preparations for disruptions involving some of the systems modern society depends upon most:

Power.

Water.

Fuel.

Communications.

Banking.

Supply chains.

This does not establish that these governments are preparing for one secret event.

There is no public evidence of a coordinated countdown, predetermined blackout date or single intelligence warning connecting them.

But there is something here that can be documented.

Governments are increasingly planning around a question that sounds very different from traditional emergency preparedness:

What happens when the systems we normally assume will be available are no longer available?

And in the United States, that question has now reached the Pentagon.

DOCUMENT 01

UNITED STATES — FORTRESS AMERICA

On September 30, 2026, Defense Secretary Pete Hegseth established a program called FORTRESS America.

The acronym stands for:

Federal Operations for Resilience, Troop Resources, Energy, Supply and Survivability.

The program addresses a vulnerability that rarely receives much public attention:

The world's most powerful military still depends extensively on civilian infrastructure.

Electric grids.

Commercial supply chains.

Communications infrastructure.

Fuel.

Foreign sources of critical materials.

FORTRESS America is intended to reduce those dependencies.

The Pentagon's own public description says the initiative is designed to ensure that major U.S. military installations generate independent power so that bases remain operational even if the civilian grid is taken down by cyberattack or sabotage.

It goes beyond electricity.

The program includes five major areas:

Energy independence

Installation hardening and cyber resilience

Supply-chain and defense-industrial-base resilience

Strategic defense reserves

Space and spectrum resilience

The Pentagon also wants deeper reserves of critical supplies so military operations can continue when ordinary supply lines are disrupted.

The underlying idea is simple:

The military should be capable of functioning even when the infrastructure surrounding it cannot.

An October 7 implementation memorandum obtained by DefenseScoop shows that the Pentagon had already begun establishing the FORTRESS America Program Office and assigning officials to implement those objectives.

Then another piece of the story emerged.

DOCUMENT 02

THE 90-DAY REQUIREMENT

On October 25, Fox News published details from additional FORTRESS America documents its reporters reviewed.

According to that reporting, major continental U.S. military installations are being prepared to sustain essential operations for at least 90 days without outside support.

The essential systems reportedly include:

Power.

Water.

Fuel.

Communications.

Think about the distinction carefully.

The Pentagon isn't telling Americans that the United States will lose electricity for 90 days.

It isn't predicting a 90-day blackout.

Military contingency planning deliberately prepares for scenarios officials hope never occur.

But preparing installations for this possibility tells us something about the scenario being considered.

The Pentagon is building resilience around the possibility that a sufficiently serious conflict or attack could interfere with the civilian systems on which military installations normally depend.

The publicly released FORTRESS material specifically discusses:

Cyberattack.

Sabotage.

Grid disruption.

Foreign supply-chain disruption.

Attacks against installations.

And prolonged military contingencies.

That makes the 90-day requirement significant—but it must be described accurately.

Mind Bend Theory verification note:

The September 30 FORTRESS America program itself is documented publicly.

The October 7 implementation memorandum has been reported and described by DefenseScoop.

The 90-day requirement, however, currently comes from documents reviewed by Fox News, rather than a primary 90-day document independently published for the public.

That distinction matters.

We follow the documents as far as they take us—and no farther.

DOCUMENT 03

UNITED KINGDOM — BE READY FOR THREE DAYS

Now cross the Atlantic.

On October 22, the British government launched its new Be Ready campaign.

This time the audience wasn't the military.

It was ordinary households.

The UK government is asking households that are able to do so to prepare to remain self-sufficient for approximately three days during an emergency.

The government specifically discusses disruptions affecting:

Power.

Water.

Phones.

Internet access.

A Parliamentary Written Statement issued the same day explicitly states:

“The updated advice calls on households to be self-sufficient for three days in the case of an emergency.”

The government recommends maintaining three days of bottled water and non-perishable food.

Its expanded preparedness guidance includes:

Approximately three litres of drinking water per person per day

Three days of non-perishable food

Battery-powered or wind-up radio

Torch and spare batteries

Charged power bank

Essential medications

First-aid supplies

Blankets and warm clothing

Important telephone numbers written down

Basic hygiene supplies

Cash

Why cash?

Because during some disruptions, electronic payment systems and ATMs may not function normally.

That creates an important connection between infrastructure and finance.

Electricity isn't isolated from banking.

Communications aren't isolated from payments.

Modern infrastructure is interconnected.

And failure can move through those connections.

DOCUMENT 04

INDIA — “WARS ARE NOT FOUGHT WITH WEAPONS ALONE”

Three days later, on October 25, another statement appeared.

This one came from Indian Prime Minister Narendra Modi.

Modi was inaugurating the Reserve Bank of India's newly established Data Centre and Cybersecurity Training Institute in Bhubaneswar.

The facilities are designed to strengthen the technological foundations and cybersecurity resilience of India's financial system.

Four data centres will host mission-critical payment and settlement systems.

But Modi's explanation of why this matters went beyond ordinary cybersecurity.

His official statement says:

“Nowadays, wars are not fought with weapons alone; a nation can also be weakened by attacking its economy.”

He continued by saying India's growing economy requires its banking system to be protected against cyber looters and cyber terrorists.

That puts another critical system into the picture:

Money.

A modern economy depends on digital banking infrastructure almost as heavily as it depends on electricity and telecommunications.

Payment systems move commerce.

Banks hold liquidity.

Settlement systems move money between financial institutions.

Data centres keep those networks functioning.

Disrupt the financial infrastructure badly enough and the consequences don't remain inside banks.

They reach businesses.

Supply chains.

Payroll.

Purchasing.

Markets.

And households.

DOCUMENT 05

BANK OF ENGLAND — WHAT IF CYBER DEFENSE FAILS?

There is another document worth reading.

On June 30, Bank of England Deputy Governor Sarah Breeden delivered a speech titled:

“Agents of Change.”

The subject was artificial intelligence and financial stability.

One section deserves particular attention.

Breeden warned that advanced AI systems are becoming increasingly capable of identifying and chaining together cyber vulnerabilities.

That changes the nature of cyber risk.

AI can help defenders.

But the same capabilities can potentially increase the speed and effectiveness of attackers.

The important change in thinking comes afterward.

Preventing attacks is no longer enough.

Financial institutions must also prepare to recover after a successful attack.

Breeden raised the possibility of simultaneous disruption across multiple financial firms.

She then asked whether critical financial institutions may eventually require completely separate failover capabilities—or even the ability to rebuild compromised core systems from “bare metal.”

In October, Reuters reported that the Bank of England was pushing financial institutions further toward this type of recovery planning.

That represents a subtle but significant change in the question.

It isn't simply:

How do we stop the attack?

It's becoming:

What happens if we don't?

And:

How do we keep the system functioning afterward?

CONNECT THE DOCUMENTS

Now put the documents beside one another.

UNITED STATES

Military installations are being hardened so essential operations can continue when civilian infrastructure is disrupted.

UNITED KINGDOM

Households are being told to prepare for three days without services they normally assume will remain available.

INDIA

The prime minister publicly warns that modern conflict can weaken a country by attacking its economy and calls for stronger protection of banking infrastructure.

BANK OF ENGLAND

Financial authorities are examining recovery scenarios in which cyber defenses have already failed and multiple institutions could potentially be disrupted simultaneously.

These aren't identical programs.

They aren't even aimed at the same people.

And there is currently no public evidence demonstrating that they were coordinated.

But they share one important assumption:

CRITICAL SYSTEMS CAN FAIL.

And resilience therefore cannot begin after the failure occurs.

It has to exist beforehand.

THE SYSTEM BEHIND THE SYSTEM

This is where the story becomes bigger than individual announcements.

Modern infrastructure isn't a collection of isolated systems.

It's a network.

Consider what happens when electricity fails.

Without power, telecommunications eventually become difficult to maintain.

Without communications, electronic payments can be affected.

Fuel pumps require electricity.

Water systems depend on pumping and treatment infrastructure.

Businesses depend on payment processing.

Supply chains depend on communications, transportation and fuel.

Hospitals require electricity, communications, water, medicine and logistics simultaneously.

A serious disruption doesn't necessarily remain inside the system where it started.

It can propagate.

POWER → COMMUNICATIONS → BANKING → COMMERCE → SUPPLY CHAINS

And the dependency runs in multiple directions.

That interconnectedness is precisely why governments plan for resilience.

WHAT THIS DOES NOT PROVE

Mind Bend Theory exists to examine unusual patterns.

But a pattern isn't automatically proof of a conspiracy.

There is currently no public evidence showing that Washington, London and New Delhi are secretly preparing for the same scheduled event.

There is no verified date for a coming global blackout.

There is no public document establishing an imminent 90-day collapse of the American electrical grid.

And the Pentagon's 90-day military resilience requirement should not be interpreted as a prediction that Americans will lose electricity for 90 days.

That would go beyond the evidence.

What the evidence actually establishes is interesting enough.

Governments increasingly consider disruption of power, communications, supply chains and financial infrastructure plausible enough to justify concrete preparation.

The UK is preparing households.

The United States is hardening military infrastructure.

India is strengthening the technological backbone of its financial system.

The Bank of England is thinking about how banks recover after cyber defenses fail.

That isn't speculation.

It's in the documents.

THE QUESTION

Perhaps the most important change isn't what governments believe will happen.

It's what they're preparing to survive.

For decades, infrastructure security focused heavily on preventing failure.

The emerging model looks different:

Assume something eventually gets through.

Assume something eventually goes down.

Build the ability to continue operating anyway.

The Pentagon calls that resilience.

The UK calls it being ready.

Central banks call it operational resilience.

Different terminology.

Same fundamental question:

WHAT STILL WORKS WHEN THE SYSTEM DOESN'T?

DOCUMENT TRAIL

Read the Evidence Yourself

Mind Bend Theory strongly encourages readers to examine the original material rather than relying solely on our interpretation.

🇺🇸 DOCUMENT 01 — FORTRESS America Establishment

September 30, 2026

Defense Secretary Pete Hegseth's memorandum establishes FORTRESS America as a Department of Defense resilience program.

The publicly reported memorandum establishes the program around installation resilience, independent energy, strategic reserves, supply chains and related national-defense infrastructure.

Source type: Pentagon memorandum / official announcement.

🇺🇸 DOCUMENT 02 — FORTRESS America Implementation Memorandum

October 7, 2026

DefenseScoop obtained the memorandum from Under Secretary for Acquisition and Sustainment Michael Duffey directing officials to begin operationalizing the FORTRESS America Program Office.

It identifies five foundational pillars, including energy independence, installation hardening and cyber resilience, strategic reserves and supply-chain resilience.

Source type: Pentagon memorandum obtained by DefenseScoop.

🇺🇸 DOCUMENT 03 — 90-Day FORTRESS Requirement

October 25, 2026

Fox News reports that documents it reviewed require major continental U.S. installations to sustain essential operations for at least 90 days without outside support.

Source type: Journalistic reporting based on documents reviewed by reporters.

Important: This is not currently being presented by Mind Bend Theory as a publicly released primary 90-day Pentagon document.

🇬🇧 DOCUMENT 04 — UK Cabinet Office Be Ready Announcement

October 22, 2026

The Cabinet Office announces the three-year Be Ready campaign and describes preparation for disruption affecting power, water, phones and internet.

Source type: Official UK government publication.

🇬🇧 DOCUMENT 05 — Parliamentary Written Statement HCWS409

October 22, 2026

The UK Parliament records the government's explicit recommendation that households prepare to remain self-sufficient for three days.

Source type: Official Parliamentary record.

🇬🇧 DOCUMENT 06 — Be Ready Household Emergency Checklist

The government's practical household guidance provides recommendations for water, food, radio, lighting, medication, power banks, emergency cash and other supplies.

Source type: Official UK government preparedness guidance.

🇮🇳 DOCUMENT 07 — Prime Minister of India / RBI Cybersecurity Facilities

October 25, 2026

Official statement documenting the opening of the Reserve Bank of India's Data Centre and Cybersecurity Training Institute and Modi's warning that countries can be weakened through attacks against their economies.

Source type: Official Government of India statement.

🇬🇧 DOCUMENT 08 — “Agents of Change” — Sarah Breeden

June 30, 2026

The Bank of England deputy governor discusses rapidly advancing AI cyber capabilities, simultaneous disruption across financial institutions, separate failover infrastructure and potentially rebuilding compromised systems from bare metal.

Source type: Official Bank of England speech.

DOCUMENT 09 — Bank of England Cyber-Recovery Reporting

October 15, 2026

Reuters reports on the Bank of England's push for stronger recovery capabilities against AI-enabled cyberattacks, including bare-metal recovery.

Source type: Independent reporting.

MIND BEND THEORY

Follow the documents. Separate what they prove from what they don't.

Then ask why the preparation is happening now.

Documents attached to the investigation

FORTRESS America — Sept. 30 memorandum record
Pentagon FORTRESS America implementation memorandum — DefenseScoop
FORTRESS America 90-day documents — Fox News investigation
UK Cabinet Office — Be Ready announcement
UK Parliament — Written Statement HCWS409
India PM's Office — RBI Data Centre & Cybersecurity Training Institute
Bank of England — Sarah Breeden, “Agents of Change”
Reuters — Bank of England cyber-recovery warning

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September 13, 2026
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Revolut Leak Shows the Cost of Constant ID Collection
Revolut’s mistake is the news, but the bigger problem is the growing number of companies being encouraged or required to keep copies of our most sensitive identity documents.

Online bank Revolut has revealed that it gave out sensitive personal and financial information of an undisclosed number of its customers in response to a fake government request.

The information that was handed over to an “unauthorized third party” reportedly includes names, dates of birth, occupations, addresses, phone numbers, account numbers, transaction histories (including Bitcoin), and even copies of government-issued IDs and onboarding verification selfies.

Revolut claims that derived biometric face data was not.

The company said that the data was handed over in response to an email that came from a real government agency’s domain, but was not actually sent or authorized by that agency.

The email passed several authentication checks (SPF, DKIM, and DMARC) that are designed to establish the authenticity of a message’s origin and integrity, but do not verify the legitimacy of the legal request itself.

Revolut said that it complied with the request “under the reasonable belief that it was an authentic government agency request” – and only later found out that it was not.

Revolut said it later realized its mistake, blocked the email address, and reported the incident to the relevant authorities.

Revolut said that only a “limited” number of its customers were affected by the data leak, and that the company’s systems were not hacked, nor was any money stolen.

The story broke on September 11 when Revolut customers started receiving an email notice about a data leak, and the news was picked up by media outlets the following day.

Revolut notice explaining customer identity and financial data was shared after an unauthorized government email request.

The reason this is a recurring problem is that companies are keeping highly sensitive information about their customers’ identities, and sometimes even financial transactions, for a long time, and this data is then available to be disclosed to third parties – either in response to valid legal requests, or, as in the case of Revolut, fake ones.

One reason for this is know your customer (KYC) and anti-money laundering (AML) rules. Revolut’s current UK customer privacy notice spells it out: the company generally keeps personal data of UK customers for no more than seven years after the relationship ends, and sometimes longer – for legal reasons.

This means that even if you close your account, your identity documents don’t disappear.

And while the incident with Revolut happened in the financial sector, it’s by no means the only one that requires customers to hand over sensitive identity information. Discord, a popular chat service, said in an October 9, 2025 security update that government ID photos of approximately 70,000 users may have been exposed after a third-party customer service provider got hacked.

This was not a financial service, nor the same type of attack. But the result was similar – because the underlying business process was the same: requiring and storing sensitive identity documents. In the case of Discord, these were used to review age-related appeals.

It’s hard to do anything about a copy of your old passport, or a photo of your face, or a record of your past transactions. These can be used to identify and profile you, and can be used to carry out targeted fraud. And this can happen even if the initial disclosure didn’t result in financial loss.

The more companies are forced to collect and store such information, and the more of it they have, the more opportunities there are for this data to be leaked, either by the company itself or a third party it works with. That's what makes governments' push for more ID checks just to access ordinary parts of life so reckless.

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This Is The Income A Family Needs To Live Comfortably In Every US State

Here’s the short version of what it takes for a family of four to live comfortably in 2026 by state:

In Massachusetts, you’d need nearly $330,000 a year - the highest figure in the entire country. Only three states clear the $300,000 mark: Massachusetts, Hawaii, and California. At the other end of the spectrum, Mississippi is the most affordable at about $188,000. That’s a full $142,000 less than what you’d need in Massachusetts.

So… how much does a family of four need in your state?

This map shows the pre-tax income a household with two working adults and two kids needs to live comfortably in every U.S. state.

The numbers come from SmartAsset (as of February 2026). They’re based on the familiar 50/30/20 budget: 50% for necessities, 30% for discretionary spending, and 20% for savings or other goals. These aren’t bare-minimum survival numbers—they’re what it takes to live pretty well while still putting money aside.

And as Visual Capitalist notes, Massachusetts sits at the very top of that list. Massachusetts tops the ranking, with a family of four needing $329,555 per year to meet the 50/30/20 benchmark.

Hawaii follows at $313,165, while California ranks third at $302,682.

Rank State Income needed for family of four (2026)

  • 1 - Massachusetts - $329,555
  • 2 - Hawaii - $313,165
  • 3 - California - $302,682
  • 4 - Connecticut - $298,189
  • 5 - New Jersey - $295,110
  • 6 - New York - $291,533
  • 7 - Colorado - $283,213
  • 8 - Washington - $281,798
  • 9 - Oregon - $280,966
  • 10 - Vermont - $280,384
  • 11 - Alaska - $272,064
  • 12 - New Hampshire - $267,904
  • 13 - Rhode Island - $264,659
  • 14 - Minnesota - $263,078
  • 15 - Maryland - $257,837
  • 16 - Maine - $250,931
  • 17 - Montana - $249,434
  • 18 - Pennsylvania - $247,936
  • 19 - Illinois - $244,109
  • 20 - Virginia - $242,944
  • 21 - Nevada - $242,278
  • 22 - Indiana - $241,696
  • 23 - Wisconsin - $238,451
  • 24 - Arizona - $236,870
  • 25 - Utah - $235,789
  • 26 - Delaware - $228,134
  • 27 - Ohio - $226,221
  • 28 - Idaho - $226,054
  • 29 - Florida - $223,392
  • 30 - New Mexico - $223,142
  • 31 - Nebraska - $223,059
  • 32 - Missouri - $217,734
  • 33 - Georgia - $214,573
  • 34 - Michigan - $214,323
  • 35 - South Carolina - $212,909
  • 36 - North Carolina - $212,410
  • 37 - Wyoming - $212,410
  • 38 - Oklahoma - $211,910
  • 39 - North Dakota - $210,496
  • 40 - Kansas - $207,917
  • 41 - Iowa - $204,422
  • 42 - Texas - $203,424
  • 43 - West Virginia - $202,592
  • 44 - South Dakota - $201,760
  • 45 - Alabama - $198,931
  • 46 - Louisiana - $197,933
  • 47 - Tennessee - $197,267
  • 48 - Arkansas - $195,437
  • 49 - Kentucky - $194,854
  • 50 - Mississippi - $187,533

Connecticut, New Jersey, and New York aren't far behind, bringing the number of states with comfortable-income thresholds above $290,000 to six.

Colorado and Vermont Make the Top 10

As expected, many of the highest income thresholds are concentrated in the Northeast and along the West Coast.

However, Colorado has the seventh-highest threshold in the country at $283,213, ranking above Washington and Oregon.

Vermont rounds out the top 10 at $280,384, despite having the second-smallest population of any U.S. state. Meanwhile, nearby states like New Hampshire, Maine, and Rhode Island all fall outside the top 10.

Just Six States Come in Below $200,000

Despite the wide range in living costs across the country, only six states have a comfortable-income threshold below $200,000 for a family of four.

Mississippi ranks lowest at $187,533, followed by Kentucky. The states of Arkansas, Tennessee, Louisiana, and Alabama also fall below the $200,000 mark.

The gap between Massachusetts and Mississippi exceeds $142,000 per year, meaning the Massachusetts benchmark is about 76% higher.

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