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VC Part 2: Fuck-off Money

danielharan.com

31–35 of 35 posts

Re: VC Part 2: Fuck-off Money

#31
post #5

The point he makes is good, but the calculation seems wrong. He's using odds interchangeably with percent ownership , when the two are clearly different. 50% odds of making $1 million = you have a 50/50 chance of walking away from the company with $1 million at some point -- not that you're guaranteed to walk away with $500K. You could just as easily walk away with $0. So if your two options are: 1) 50% odds of makin…

Reading it again, I see where the confusion lies - but I didn't even want to get into the issue of ownership. The $500k is only the "expected value". You have a 50% chance of making $1M, 50% of walking away with $0. "then you're more than twice as likely to make money on the first deal than on the second." And that's why I'd choose the first deal, even though the economically 'rational' thing to do is to go for the s…

Personally I'd take the second deal, but that's just because I don't consider $1 million to really be "fuck you" money at all -- it'd buy me a nice house and give me a good head start, but it wouldn't let me retire and spend the rest of my life doing whatever-the-hell-I-want the way $20 million would.

His point still stands, of course, if you multiply the numbers by something. Make it a 50% chance of $10 million vs a 20% chance of $200 million, and I'd probably take the first deal.

Re: VC Part 2: Fuck-off Money

#32
post #22

Earlier quoted context omitted.

Nassim Nicholas Taleb did, so you're wrong: http://www.portfolio.com/views/columns/the-world-according-t... Sorry about making this slightly pointless comment :(

On an unrelated note, I think people gives Taleb too much credit. Sure, he's a fantastic author and the points he bring up are interesting and noteworthy but he isn't a good trader. I just don't understand why retail investors like to think that Taleb is in the same league as Ken Griffith and worship Fooled by Randomness/Black Swan as a trading bible. It's not. If you try to apply his principles on the market, you'll…

I got a lot out of his books, and I have little to no interest in trading. I'd guess most readers are the same.

Re: VC Part 2: Fuck-off Money

#33

to answer the article's question: $440k. done. here's the rationale: $200k pays off all the debt i have: mortgage, car, everything, and should leave me with $50K in a working capital cushion. i would continue to work on something, because i'd go crazy if i didn't, but it'd likely be another startup idea of some sort. maybe work on student incubation. $240k goes in a ladder of 1 year certificates of deposit at $20k ea…

... certificates of deposit at $20k each. at around ~4% interest, each one will yield an income of ~$800/month. Shouldn't that be "each one will yield $800/year"? That makes the total $800/month.

each one would yield $800/year, true, however you put one in a month such that they come up at the end of the year. 12 CDs, one for each month, each yielding $800/year.

sorry if that was unclear.

Re: VC Part 2: Fuck-off Money

#34

to answer the article's question: $440k. done. here's the rationale: $200k pays off all the debt i have: mortgage, car, everything, and should leave me with $50K in a working capital cushion. i would continue to work on something, because i'd go crazy if i didn't, but it'd likely be another startup idea of some sort. maybe work on student incubation. $240k goes in a ladder of 1 year certificates of deposit at $20k ea…

The word inflation is conspicuously missing from your analysis. There's a reason why people bother with stocks instead of just plopping all their money in CDs. (You could buy inflation-adjusted bonds. Last I heard, though, they were running slightly negative yields because of all the other people who want to buy inflation-adjusted bonds.) The other problem I see here is that this is a steady-state analysis. If you su…

you're quite correct -- there is no mention of inflation. this is mainly because i don't know how to not work. i've tried it. i fail pretty hard at not working. but at the point where you have this steady income, any job you take contributes strongly to your personal wealth -- much more so than if you didn't have the debts settled and the regular income.

any extra income from work (that i didn't blow on hats, mind you) would go into a managed fund, most likely an index fund. days like today though happen periodically, and individual stocks require the kind of detail work that isn't cost effective at those amounts. i make more money working than the growth i would see in the stocks having spent the same time on it.

all that said, if the current project gets picked up ...

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