If you're within five or even sometimes 10 years of retirement, unless you're on one amazing career trajectory, you can only move the needle so much on your career and your earnings power over just a couple of years. The longer your time horizon, the more the contributions towards human capital matter because just literally it's such a bigger number. You are minting money for yourself every time you pay to delegate and the higher your income lifts up, the more it pays to delegate. So if you got a side gig and you're making $30 an hour, technically anything you can let go of that costs you $25 an hour or less - you are making money.

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