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Spot on, Larry. Too many "employees" (i.e., inmates in the corporate asylum) not only ignore actual costs of commuting, etc., but choose to set the dollar value of their time to zero. Conversely, those of use who moved into solopreneurship (consulting), realized "capital" gains we'd never considered before. In my case, that was 23 years ago.

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So true. As an employee, you don't think of your time as money. But, that point of view certainly changes quickly once you become a solopreneur. Every minute matters!

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