Thanks for the extended explanation, which I understood. You not only write extremely well, you also explain personal finance issues in ways that people who are not as well versed as you can understand, people like me. Thanks.

I am interested in your comments about "psycho bosses, bosses who take inappropriate advantage of them, and stupid bosses who don’t know how to do their job well." Believe it or not, I, too, have worked for some psycho bosses but more often for bosses who hadn't a clue about leadership, organization, facilitation, and who were less informed about what the heck they were doing. I can provide a list of names, dates, and places, if anyone wants to know.

In earning an MS in Technical Management (very much like an MBA but for people who want to lead teams of technical workers) and in studying software engineering at the Software Engineering Institute at Carnegie Mellon University, I realized that most bad jobs and bad bosses result when when they do not understand the goals, when they do not have a process, when they do not know what their teams are supposed to be doing, and when they are just stunningly incompetent and unprofessional, totally out of their depth. Again, names, dates, places are available on request. ;-)