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What is the return on cash in the bank that gives you the option of changing careers or retiring early or freedom from worry?
It is say it is incalculable.
It is invaluable is two ways. It is so large and important that we cannot put a price on it. But it is also literally incalculable, we cannot measure it like we can measure interest rate and what we can not to measure we tend to over look.
When you do not have control over your time, you are forced to accept whatever bad luck is thrown you way. But if you have flexibility you have the time to wait for no brainer opportunities to fall in your lap. This is a hidden return on your savings.
Saving in the bank that earn 0% interest might actually generate an extraordinary return if they give you the flexibility to take a job with a lower salary but more purpose or wait for investment opportunities that come when those without flexibility turn desperate.