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Confessions of a Middle-Class Founder

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Re: Confessions of a Middle-Class Founder

#51
post #10

Earlier quoted context omitted.

While it does sound this particular author was just interested in a cash grab, the author and you are both recognizing the stark reality facing many aspiring founders: the choice often boils down to taking a high-stakes gamble with venture capital or settling for the security of a 9-5 job. The current financing landscape offers limited options for those aiming to establish lifestyle businesses in unpredictable market…

The third way is to add sweat equity and build a business slowly around your normal 9-5. There is just as much downside to this route, it’s also risky, you take time away from hobbies and relationships, and even if you’re successful there’s a period where you will basically just have two full time jobs. That said, I did it this way, and I know a lot of others that have, and I was able to see it through. Timeline: 201…

In a service business, sweat equity is an awesome tool, not just for paying yourself, but also for paying your early employees.

One of the biggest obstacles you face when bootstrapping is that you need employees to grow your revenue, but you need revenue in order to pay your employees. It's a chicken-and-the-egg problem, which sweat equity can help to solve, at least to a limited degree: grant some sweat equity that vests over 5 to 10 years as a form of deferred compensation, then hope that your new employee / business partner boosts the value of your remaining equity in that time-frame by some multiple that is much larger than than the value of the equity you are giving up today. Then everybody wins.

I have found this approach very successful in my own business. It also increases the likelihood that when you want to retire some day that your own employees might be able and interested in buying you out, which means that you won't have to shop your medium sized businesses to private equity groups or search funds in 20 or 30 years when you want to get out of the game.

Part of building a middle class is not pulling up the ladder after you, which means you need to aim to enrich others -- specifically others who are not already wealthy -- alongside yourself.

Re: Confessions of a Middle-Class Founder

#52
post #29

$6 million in personal wealth is middle class? Woof!

$6 million x 4% safe withdrawal rate = $240,000 a year. It's enough for comfort, but it's still considered a middle-class income in the more expensive parts of the country. https://finance.yahoo.com/news/takes-middle-class-americas-l...

> but it's still considered a middle-class income in the more expensive parts of the country.

Middle class is explicitly not about passive income. If you are living off "safe withdrawal rate", you are wealthy, almost tautologically.

In extreme versions (e.g. some of the FIRE folks) you may be living some version of a "middle class lifestyle", but that's not the same thing. It fundamentally changes the options and opportunities you have.

Re: Confessions of a Middle-Class Founder

#53
post #39

Earlier quoted context omitted.

You guys. Median income in the USA is about 76k per year (according to https://dqydj.com/average-median-top-household-income-percen... ). 230k will quite literally put you in the top 10% of income earners in the USA, and probably much higher elsewhere.

Sure and 76K will put you in the top 1% in sub-Saharan Africa. I think you are missing the point. In most of the US, there simply aren't enough opportunities to make 6M. To make 6M in the first place, you have to be in a high CoL place like SFBA or NYC. Or at least that was the case until very recently. And once you put roots down in a high CoL place and have a total wealth of 6M, it is much harder to uproot and move…

I don't think they are missing the point, really - the average income in NYC is still "only" about 100k.

Choosing to live in more expensive parts of the city and for 2.5 times that may open up lots of opportunities, and that's all good. You just are just butting up against the realm where calling yourself middle class becomes silly. People have a weird psychological affinity to self-identifying this way, but "I know a bunch of people who make 10x what I make", isn't really a good argument for it. Having a few million in assets definitely puts you out of the running, which is where you are likely to end up if you have this sort of salary for a while and aren't stupid with it.

Re: Confessions of a Middle-Class Founder

#54
post #29

$6 million in personal wealth is middle class? Woof!

$6 million x 4% safe withdrawal rate = $240,000 a year. It's enough for comfort, but it's still considered a middle-class income in the more expensive parts of the country. https://finance.yahoo.com/news/takes-middle-class-americas-l...

Wait what? I never said anything about retiring on 6 million. Anyone who can make 6 million in the first place could most certainly make $240,000 a year in a lower stress job for the rest of their life while sitting on an incredible fortune that continues to generate wealth over time at 5% interest.

This person has effectively "won" at life and is far outside of middle class.

Re: Confessions of a Middle-Class Founder

#55
post #2

The tech version of a successful small to medium business, like maybe a regional restaurant group or car dealership. Seems good to me, both for the owners and the broader culture. These owners are the group that keeps the country stable and common sense alive. We can't all have big exits but lots of people can generate enough value to satisfy customers and make a comfortable living with skin the game of society.

To me the picture perfect software company that meets this archetype is McNeel (who made and maintain Rhino3D). A comparatively niche market NURBs design tool for artists, engineers, and industrial designers. Been in business over 20 years. Constantly improving the software. Everyone treated fairly and making honest and competitive wages. I wish there were far more companies like this than there are.

Bear, Things, and AnyList are software apps I use that are small businesses and provide tremendous value for me.

Re: Confessions of a Middle-Class Founder

#56
post #5
post #3

Greater social context would be useful. It’s hard to accurately imagine lifestyles denoted simply by “middle” or “upper-middle” class. They are effectively meaningless terms.

Upper-middle class reads to me like in the top decile at least aka rich.

To me it means wealthy but without the higher-class connections that makes it easier to get the right kind of expertise when needed.

Re: Confessions of a Middle-Class Founder

#58

Earlier quoted context omitted.

This path is also fraught with legal risk, depending on your "normal 9-5" employer. If it's a FAANG or other large tech company, most of them (at least the ones I've worked for) lay claim to every single IP you create while working there, on or off the clock, using your own equipment or theirs. It doesn't matter whether or not they legally can--you are unlikely to be able to afford a legal defense against them.

California has pretty friendly laws on this. Unless your startup is directly competing with your employer, or you work on it at work, they have very little ground to stand on. As in "within the realm of someone representing themselves"-type deal.

You're presumably referring to California Civil Code §2870 [1].

When I had a side project going on and asked my California attorney if this was enough to protect me from my BigCo employer, she said something like, "No. If they want to stop you they'll just drown you in legal procedures that you can't afford to pay. That you're right isn't really that relevant."

[1] https://casetext.com/statute/california-codes/california-lab...

Re: Confessions of a Middle-Class Founder

#60

Earlier quoted context omitted.

California has pretty friendly laws on this. Unless your startup is directly competing with your employer, or you work on it at work, they have very little ground to stand on. As in "within the realm of someone representing themselves"-type deal.

You're presumably referring to California Civil Code §2870 [1]. When I had a side project going on and asked my California attorney if this was enough to protect me from my BigCo employer, she said something like, "No. If they want to stop you they'll just drown you in legal procedures that you can't afford to pay. That you're right isn't really that relevant." [1] https://casetext.com/statute/california-codes/califo…

Definitely a risk - just not one I rate too high if there is no overlap in the business.
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