It takes decades to figure out that playing the game under layers and layers of management in mega corps - is equivalent to undervaluing yourself.
The problem is that it’s definitely a lot easier to just cruise along, punch 40 hours, and leave work at work. Startup founder life is rough. I don’t blame anyone for not wanting to extract that worth from themselves.
Not always true but it only needs to happen once to you for your 40 hour cruising to end. At that point, you will question why you spent so much time slaving away.
My daughter broke her leg just over a month ago. I have decent insurance and my out of pocket expenses were still close to $2000 alone with in network coverage. I think a lot of HNers are somewhat wealthy middle class+ with cash in the bank, or not from the US so they have no clue how out of control these kinds of expenses are.