In Bill Janeway’s theory of VC, startups need more cash and control during uncertainty (run fat in bad times). For individuals in the Great Weirding that probably means 2x short-term savings (6mo instead of 3mo financial planners recommend) and a side hustle for 1.5x control. 
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Single paycheck people probably don’t have enough cash as they’re also probably radically undercounting externalized cost monoculture support systems. Possibly more like 2.5x.
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like, you know where your next paycheque is coming from but strictly speaking not the one after that?
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