PRICED WITHOUT CONSENT

You've been priced. You just don't know by whom.

Your employer values you at 2.3× your salary. Data brokers: $14/year. Actuaries: $7.8 million. Same you. Same life.

Nothing is stored. Nothing is shared. Everything is computed in your browser.

Employer margin
2.3× salary
Data broker
$14 / year
Actuarial life value
$7.8M

You only see one price. They see six.

Every system that touches your life has already computed your value. They just never cc'd you on the spreadsheet.

WHAT YOU SEE

  • 01Your bank account
  • 02Your salary offer
  • 03Your net worth

WHAT THEY SEE

  • 01Employer margin model
  • 02Actuarial table
  • 03Data broker catalog
  • 04Tax revenue projection
  • 05Insurance premium pool
  • 06Social media ad auction

THE GAP

585,714×
multiplier difference

What are you worth — to them?

Six systems. One you. The range is the insight.

⌗

Six systems. One you. The range is the insight.

Where these numbers come from

Every claim sourced. Every method explainable. No black boxes.

All calculations run locally. No data leaves your browser. Methodology reviewed by an independent economist.

The range is the point

Four real-world examples of divergent valuations on the same human.

A $60K/year teacher in Ohio

Data broker value: $14/year. Actuarial life value: $8.2M. Employer margin value: $78K. Range: 585,714×.

A $180K/year software engineer in Berlin

Data broker value: $182/year. Actuarial life value: $6.1M. Employer margin value: $468K. Range: 33,516×.

A $412B market cap company vs. its data

Company market cap: $412,000,000,000. Per-employee data value inside it: $0.47/year. Same person. Two systems. Million-fold gap.

Firefighter staffing gap: 34.5%

Municipal budgets call them a cost. Property insurance calls them a credit. Same human. Opposite sign.

Your range is different. But it exists. Calculate it.

Now you know. Use it.

Three ways to deploy the range in the rooms where money is decided.

01

In salary negotiations

Your employer margin value proves you generate more than your salary. Open with the multiplier, not the ask.

02

When choosing to share data

Your data broker price shows what your information is worth in the market. If a service offers you less than that in value, you are being underpaid for your data.

03

When evaluating life insurance

Your actuarial value is what the insurance company's own models say your life is worth. If your coverage is a fraction of that number, you are underinsured by their own math.

Questions you are already asking

The four anxieties, answered.

Bookmark this before your next salary review

Your numbers change. So should your leverage. The systems updating their models will not notify you.