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Figuring out what you want to build isn't necessarily easy.
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Being unemployed and unemployable with depleting savings is even less easy however.

So being financial independent even if undecided on what you want to build is still way better.

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Which is why you need the financial freedom to spend time figuring it out.
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Absolutely. AI lets you prototype much faster and financial freedom gives you time.
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What does it even mean to say you want to build something but you don’t know what it is?
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Building is fun, but deciding what to build can be difficult. "Maker ennui."
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