Tech unicorn founder

Asset mix

• Company equity 77.5%
• Cash / bonds / property 22.5%

What it costs to hold for a year

A price tag is one-off. These bills arrive every year.

Single-family estate (property tax + upkeep) Housing

$120,000 Source

Private jet (full annual operating cost) Transport

$1,000,000 Source

Luxury car (sports car or large SUV, steep depreciation) Transport

$17,000 Source

Large buffer (household staff, driver, collections, security) Discretionary buffer

$120,000 Source

Concierge medicine / longevity / global care Insurance & medical

$30,000 Source

Fine dining, business banquets, private chef Food & daily life

$30,000 Source

Total (per year)

$1,317,000

This is a static display of the annual holding cost: figures come from a catalog calibrated to public sources (the extreme wealth tiers are published industry estimates). They are not any real person’s holdings, and they are neither investment advice nor a real quote. The asset mix is illustrative and enters no calculation.

Bill day

In-game timeline: a scenario opens with this year’s bills, one flip per year. Try adding a superyacht to it → Add the yacht

Burden rate = yearly bill ÷ cashflow; past 100% the cashflow breaks (red).

• Fine dining, business banquets, private chef $30,000/yr
  Food & daily life · ≈ $2,500/mo Source
• Luxury car (sports car or large SUV, steep depreciation) $17,000/yr
  Transport · ≈ $1,417/mo Source

Life in fast-forward: 30 years on these numbers

Income and annual cost stay at current levels, year after year. Cumulative surplus below. Pure arithmetic: no income changes, no inflation, no taxes - and no promises about the future.

• Year 10 · cumulative surplus $16,830,000
• Year 20 · cumulative surplus $33,660,000
• Year 30 · cumulative surplus $50,490,000

Black swan: the year income halves

Assume income halves one year (crisis, lawsuit, settlement - we do not predict which). Everything else stays put, and the burden rate is recomputed instantly:

Burden rate jumps from 78% to 720% Negative cashflow: this year the bills cannot be paid - assets must be sold (at 75%).

The price of privilege

Being treated specially by the world has a price tag too. A private scene, not social display; amounts come from sourced catalog items:

• Private-jet world tour (26 days) $189,500 Source
• Met Gala charity gala, one seat $100,000 Source

The hidden costs: a calendar full of obligations and no privacy - no price tag, but billed every year.

The operator channel: leverage / an acquisition

The fun of decision-making is control; the cost is cashflow. The multiples and the rate below are teaching illustrations, not any institution’s real terms - and not advice:

Arithmetic teaching about simulated decisions: the multiples and rate are illustrative assumptions; this is not investment, lending or M&A advice.

The story channel: three random-event cards

A life is not all smooth sailing. What happens if these events land? The parameters are teaching illustrations, not predictions:

• Lawsuit

  burden rate 157%

  A one-off settlement = 0.5 × yearly cashflow: half the cash is gone in one hit, and the burden rate jumps to 157% that year.

  Negative cashflow: that year assets must be sold (at 75%) or income raised.

• Market crisis

  burden rate 168%

  Equity income shrinks 30%: cashflow falls to $783,000 and the burden rate becomes 168% - can the bills still be paid?

  Negative cashflow: that year assets must be sold (at 75%) or income raised.

• Family split

  burden rate 157%

  Disposable cashflow halves for good: the burden rate doubles to 157% - holding costs do not halve with the split.

  Negative cashflow: that year assets must be sold (at 75%) or income raised.

The exchange-rate time machine