No Money? Here’s How You Escape the Permanent Underclass

What if the future is increasingly divided between people who own capital and people who sell their labor? And what if you have no savings, no assets, and maybe even a negative net worth? Is it already too late?

Hello world.

I’m an unemployed former Big Tech software engineer with 25 years of experience in the technology industry.

Involuntary early retirement has given me something I didn’t have much of during my working years: time to think.

And one idea I’ve been thinking about a lot lately is this:

What happens to people who don’t own anything?

Not metaphorically.

I mean people who don’t own meaningful financial assets. No significant investment portfolio. No business. No real estate. No capital generating income.

People whose entire financial existence depends on selling their time and labor.

Because I worry that we’re moving toward a world where that distinction matters more than ever.

And if you’re starting from $0, how exactly are you supposed to escape?

The Rise of the K-Shaped Economy