Firms invest more when they have less money, but rich firms invest as much as they want. Poor firms borrow more, but rich firms borrow less. Firms with limited cash only invest when they have more money, fearing they'll run out. If firms can sell shares to fund investments, they have 35% more capital over 20 years. Small firms suffer more from financial setbacks than big firms. If a firm's financial health drops by 10%, constrained firms lose 8% of their capital, while others only lose 3.5%.