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"Imagine if your employees had a good amount of savings and could easily afford the $10-20k it costs to pre-exercise their options in your infant stage startup."

Although, one trope about startups is that they usually pay crappy, so the likelihood of any given employee having significant savings is low.

So you'll have a hard time hiring people from any large tech company hire only jr engineers, the naive and impulsive people who cannot save?

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