I would be just a tad bit more understanding of Romney's wealth if, and it's a huge if...

[riderinthestorm]

12. Well for me and my business, we create more capital by working harder and smarter.

We own and operate an organic farm operation and a horse training/boarding/sales/import business. I'll keep our scenario simple so the average layperson can understand.

We started out very small, working for other people and starting our business on the side. Once we were making enough to sustain our family, we rented a place to operate out of and we began investing our own physical labor into enhancing our business"day (finally leaving behind our old "day" jobs). Due to success, we finally saved enough to purchase our own place. All along we've bought horses cheap, trained them, resold them for more. Or trained other horses and riders successfully who told others about us. Once the horse operation kicked into high gear we added on the organic farming operation - initially doing it all ourselves (again the only capital being our own labor) until it grew to the point where we hired more people etc. etc. The classic small biz growth story.

When we work hard and smart, we make money. We hire more workers to help us deliver a better product and we invest in our operation to enhance performance. When we have extra we invest it back into the business. When we have even more extra money above and beyond that point, we do invest it but that doesn't enhance or promote job growth - it simply sits in the accounts growing.

I get extra capital by working harder myself and investing in my business. I get extra capital by hiring more workers who help us perform better and deliver a better product so I can grow my business and make even more money. "Capital" for many small businesses like mine doesn't come from a source like Bain (and it especially doesn't come from banks who haven't been lending in more than 5 years to anyone).

"Investments" don't make jobs. I'd stipulate that for most small businesses, 'capital" doesn't make jobs either. A decent product or service developed with knowledge and intelligence makes jobs. Even Steve Jobs started in his garage with $1500 from the sale of his VW ....