Pick 2 of 3: money, certainty, freedom.
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At most, 2 of 3. Most people end up with only 1, and many don't manage even that.
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all 3 is possible for 1%ers if they are smart
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they contain uncertainty to spice-of-life variety at the margin usually. Betting the farm is rare
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OK - "has big stack + knows Kelly crit" == "money + smart -> certainty". FWIW I'd call that "security", not "certainty".
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