I’m beginning to think lack of capital is not really a factor stopping people from doing the things they feel they were meant to. Most people don’t have capital-intensive imaginations. If you give most people a lump sum the best idea they’d likely come up with is buying a house.
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Most people haven't ever managed enough capital that it got intensive. Normally you have to work up to that sort of thing. I'm sure their imagination grows as their capabilities and experience grow. The randos who get capital overnight (lottery, inheritence, etc) screw it up
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