The liabilities are the same currency and the same amount in 2023 and 2033. They’re solvent.
The asterisk is that the liabilities are generating interest, but this is fine because (one very safely assumes) that’s covered by the interest on the long-duration assets SVB bought.
You might wanna check out some of jason hickel’s writings in the topic. As someone from such a “place with a lot of poverty” I’ve always chafed at the idea that capitalism (and thus colonialism) led to an improvement in living conditions, when really it meant mostly murder and looting.
Competition in its recognizably modern form only recently became the foundational organizational system for civilization, and civilization “won” because (in part) a) it generally has no problem deploying incredible levels of violence and coercion, against people and the environment, and b) it promotes continuous population increase, even beyond what may be sustainable.
There’s about a million places to source this, but I might start with something like James C. Scott.
even if that were the case, the only place you're getting prolonged proximity to a (relatively) fixed group of people is your workplace? that sounds super not good.
Where in Boston did you live? That’s definitely the case in the fancy parts of Boston and definitely not the case in the minority ghettoes like roxbury, JP, and dorchester
I would not, but I know some people who would consider a deal like that. At $12k/yr and your stage you’re basically hiring a cofounder, so four points is… not a lot. You sound like you probably still have most of the equity left, so I’d expect more.
And a cliff? Nobody does cliffs these days after big tech axed them.