> It’s not cash, and has questionable value. Again, much like being an insurance provider, that's how you make money off it. When I do consulting I generally a

> It’s not cash, and has questionable value. Again, much like being an insurance provider, that's how you make money off it. When I do consulting I generally aim to capture about 10% of the value I'm creating per hour in cash, leaving the client with the other 90%. (E.g. billing $200 per hour if you're creating 2,000 per hour in value or whatever.) This is basically an equal exchange because one party is getting the cash, and the other party is getting the risk, along with the potential benefit that taking on that risk entails. The fact that different people have different economic needs and utility functions allows everyone to benefit. That's why I'm saying that if you need less cash because you don't have a family, that represents optionality, and that optionality can be used to make more money than you'd otherwise be able to make.