What "a world worth retiring in" means in each retiree's case is gonna vary based on their situation. Wanna die on Mars? Maybe put it all in Space X, I don't know.

All I'm saying is that it's a shame that we're taught that the point of investing is to make money, rather than make a difference with a side effect of having more money. Because left to its own devices, money tends to motivate some pretty awful things.

I don't want retire rich, I wanna retire post-scarcity. I hate letting my money sit in an account while smart kids can't afford college. Those kids are gonna develop the tech that saves my ass one day--or not--depending on how we play our cards now.

Blindly picking a fund based on performance just feels like shooting my future self in the foot.

> I hate letting my money sit in an account while smart kids can't afford college

If you know of a smart kid that can't afford to go to college, you could make them a reasonable interest loan and it would be a win for both of you.

There's a YC idea there somewhere. Especially when a lot of family offices are looking at wealth preservation over volatility.

What is YC about it? It's called a predatory private student loan.

Agreed.

It doesn't matter that I'm the one collecting interest instead of the bank--I've still set that student up to go forth and play zero sum games until they're out of debt, which is the kind of thing I'm wishing for a way to avoid.

> I've still set that student up to go forth and play zero sum games until they're out of debt, which is the kind of thing I'm wishing for a way to avoid.

You feel that society investing in education is a zero sum game?

Well most of YC is predatory pricing covered in a veneer of good intentions and tech.

There are things called Income Sharing Agreements that in theory better align the incentives of lenders and students.