I'm saying, if you're a US software engineer/contractor earning 100k+ a year like a lot of people on HN, then reserving 2% of your income (2,000) for legal fees

I'm saying, if you're a US software engineer/contractor earning 100k+ a year like a lot of people on HN, then reserving 2% of your income (2,000) for legal fees is worth it. Doesn't have to be for what the OP suggest, but definitely to check any contracts you get into (including employment contract). The advice I wrote applies in the context of consultants/contractors on HN which I'm pretty sure tends to earn quite a bit more than the median income.