The 8 forms of capital can offer some insight into how to spend ones time being useful vs aquiring more tangible forms of capital. Financial, material and natural are all forms of capital that one can "trade" for but intellectual, experiencial, social and cultural forms of capital are ones that can only be gained by action. More usefulness can be accomplished the more these less tangible forms of capital one has accrued. Spending time learning, experiencing, and participating can yield massive gains to the resilience of ones wealth. Time spent soley focused on building tangible forms of capital is often a brittle strategy.