I enjoyed Derek's writing while I ran my own business, but he's forgotten the difference between having millions of dollars in the bank and living comfortably,

I enjoyed Derek's writing while I ran my own business, but he's forgotten the difference between having millions of dollars in the bank and living comfortably, and living hand-to-mouth with the tiniest of buffers. He's literally confused the two. This bit is impressively tone deaf: Once I had $12,000 I could quit my job and become a full-time musician. I knew I could get a few gigs per month to pay my cost of living. So I was free. I bet loads of musicians knew that in January 2020 too! (also what freelance musician can get good US health insurance?)