Ah I suppose I misunderstood. A rainy-day fund is always a good idea to have. I thought you meant a fund that is constantly increasing or being spent to grow th

Ah I suppose I misunderstood. A rainy-day fund is always a good idea to have. I thought you meant a fund that is constantly increasing or being spent to grow the company arbitrarily. You're right that if there's a spell of no work for my firm, we have to dip into our own pockets, because we don't keep a rainy-day fund or any "company money", but that's just because there's so few of us and we were already freelancers before getting together. Even when it first started as a "capitalist venture" there was no company money, just work and get paid. This is a good idea that I'm going to be running by the other guys. I've never seen anyone leave the group due to a dry spell, and that's because if there's no work then there's no work. Being in the group only increases the number of jobs each worker has access to, because each of us are like advertising agents for the rest. If we're on our own, there's only one person spreading the word. We could go work for one of the capitalist firms in town, but they have a similar amount of work to do, and it comes with all the downsides of not being in a co-op. I urge you to not use my hillbilly construction crew as an idea of what a large professional firm would look like under worker-ownership. We're just some dudes who like to hit things with hammers.