Employment of a white collar professional is essentially a bet, on the company's part, "We think you're, hmm, call it three orders of magnitude more productive at this firm than you would be without our structure/capital" Founding is a complicated bet which rounds to: "... Nah."
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"I don't really think a firm adds three orders of productivity to workers, Patrick." It is very plausibly more than that, depending on the particular individual.
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"You're going to need to work harder than that." OK, math it out. Pretend you're a pharmacist. How many prescriptions can you fill in 3 months given you're working for Walgreens? How many prescriptions can you fill in 3 months given nothing but a degree and your iPhone?
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Pretend you're a mortgage underwriter. How many mortgages can you underwrite sufficient for resale into a GSE in 3 months given you're working for Bank of America? How many mortgages can you underwrite sufficient for resale into a GSE in 3 months with just an iPhone?
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