doesn't have to be brutal. that's a dial we can turn
> or employee (not a fan of grueling schedules for minuscule hope of a payout).
again, doesn't have to be
> so don't try selling "education" as an investment vehicle to me either.
education can be had for free. lots of ways to gain education for free and/or cheap, relatively fast and flexibly. but you can't restrict yourself to the traditional K-12-college pipeline, those are very costly and rigid in terms of time and money.
> Still, that's mostly an investment of time and effort, not money.
arguably money is fungible with time and energy. somewhat. you can trade and convert between them. if you have tons of money and little free time, that tells you what currency to spend (spend money); if you have little money, but some time/energy, spend time/energy on self-investment instead.