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It’s actually not. Funding agencies often make “capital grants” that have similar constraints. I know profs who’ve bought random expensive lab equipment with no clear research idea in mind.
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I have no good ideas either. Writing is a low capex calling. Best I got is commercial kitchen equipment to start a packaged snacks business
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To think about spending money on non-subsistence requires most people to already feel like they have a safe future. Almost no one feels that way.