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TheOtherDave comments on Mistakes repository - Less Wrong
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It's also a lot easier when you can afford assistance.
Wealth isn't an automatic consequence of age (or of a PhD for that matter).
Absolutely true.
Neither is the ability to perform physically demanding tasks an automatic consequence of youth. We're talking about expected values, not guarantees.
And I would certainly agree that someone who doesn't expect their career to increase their earning power over time would have a completely different expected-value calculation around impromptublue's suggestion than someone who does.