Independent Income at later TL stages

[Anthony]

In theoretical terms:

• Doesn't Sleep gives you 8 hours per day (240 hours per month) and costs 20.
• Less Sleep gives you 1 hour per day per level (30 hours per month) and costs 2.
• Extra Sleep gives you -1 hour per day (-30 hours per month) and costs -2.
• Slow Eater gives you -4.5 hours per day (-135 hours per month) and costs -10.

By extrapolation, one point should be worth 12-15 hours extra time per month, and conversely, a level of independent income should be equivalent to 1.5-2 days per month of wages. Assuming II is properly priced, this suggests that monthly income should be 10-14% of starting wealth. At TL 8, standard income is 13%, which is well within that range, but at TL 3 it's 70%, which is way out of range.

If we instead extrapolate from points for cash, you can normally gain 1 point for 400 hours of self-study, and would get 2 points with a teacher (but need to pay the teacher, whereas if you spend 400 hours working you only get 0.5 points in skills, suggesting that the difference (0.5-1.5 points) should be covered by money gained. Based on points for cash and going with the 1 point figure, hourly wages should be 1/4,000 starting wealth, or 4.2% in a 21 day month. The points for cash rules are sufficiently unappealing that most people don't use them, so I'm okay with a higher figure.