The Daiwa zero argument is based on the idea of a memory dividend. It means you get happiness or fulfillment when you have a certain experience in life but also get value every time that you have a memory about that experience for years to come. By 2010, John Arnold had reached $711 million in at worth and by the time he quit his hedge fund, he was 38 years old and had a personal fortune of $4 billion. There is a huge cost to having money left over in life.

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