the only questions that matter from a risk perspective are:
1) how much can i outcompete interest in value per unit time and
2) how much more expensive is inflation going to make what i want over the time period i am acting in?
subtract answer 2 from 1 to adjust risk assessment accordingly
non profits used to be a vehicle for accepting money so that people with money and no time who want good done and people who want to see more of this good in the world can immediately support each other but then they get so big that people start paying themselves a salary to be full time raising money to do more good and then it all gets bloated and grifty as more people are getting by as the laptop and meeting glass and less people are spending time building community gardens