If you have to tip to get someone to provide a service your already paying for then that is a bribe.

3 mil so I can retire. Working toward it and I will achieve it eventually. A few decades earlier would change everything though.

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Although it’s not liquid cash, you can borrow and use those valuations as collateral. So while their actual wealth isn’t what their net worth is, it’s only a fraction of a percentage less when it’s used.