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I've done prepaid hours. It's good for cashflow and gives a lot of safety.

And I greatly dislike it. For some reason I don't understand, I am bugged by having to work down hours rather than simply work hours.



I'm guessing you're the sort of person who doesn't like debt in general. Because that essentially what it is: a debt that you can't immediately repay.


Correct, it's technically a liability on my balance sheet.




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