There's nothing quite like being worth millions on paper and still not being able to afford the shittiest car.

If this sounds familiar, it's because many of us maintain an extraordinary paper worth that's worth absolutely nothing outside of our conference room.

Investors say I'm worth millions. My credit card company disagrees.

It's not uncommon (at all!) for Founders to have all of their net worth tied up in their company without a real dollar to show for it.

That's because the value we have in our stock has zero liquidity — it's a promise of a future payout — without any pay. This dichotomy is maddening to any startup Founder, not to mention almost any business owner since the dawn of time.

Why doesn't a bank think I'm worth something?...