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As you age, revenues and costs of life both go up. Amounts that seem life-changing at 18-22 seem like they'd barely cause a ripple at 40
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Your life inertia can be measured by the amount of money it would take now to steer it as decisively as 3k could, sophomore summer year.
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My life inertia has increased by 100x. This is why being rich is useful and the idea that "happiness doesn't increase beyond 72k" is BS
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