A Pareto distribution. It's a lot of cash for someone who works for a salary, but as capital that generates income it's less than a lot of franchise fees and unencumbered capital requirements. e.g. to start a Krispy Kreme donut shop, you'd need about $1.5m in cash. You can buy into smaller franchises for much less, with 2-3x leverage, you might be able to do a Starbucks. Myself included, it's important to feel a bit of humility when sitting in someones starbucks location with a laptop while pontificating about entreprenurship.