Yes, you are right. It hadn't yet crystalized in my mind but to clarify my advice is keep your personal cost of living low as a rule of thumb. Optimize for fre

Yes, you are right. It hadn't yet crystalized in my mind but to clarify my advice is keep your personal cost of living low as a rule of thumb. Optimize for free time over more money. For business, spending money is essential. Ideally try to spend other people's money.