Invest in young technology startups这个到底算是Human capital还是Financia

问题如下：

Val Sili, age 22, has just graduated from university and begins making ambitious plans for her future. She has accepted a position as a data science analyst in a start-up company starting next month. Her starting annual salary is USD96,000 per year (after tax), and as part of her compensation, will also receive stock options in the company annually worth USD50,000. She expects to be able to set aside 25% of her after-tax salary into investments in a taxable account while also maximizing her investment contributions to a defined-contribution account. Sili believes that by the age of 28, she will be earning several times more than her starting salary at the age of 22. She further believes that she will have realized a payoff from her company stock options of at least USD5 million and plans to use her option proceeds to purchase real estate and make selected investments in other start-up ventures. She expects the value of her financial assets to be approximately USD300,000. By the age of 35, Sili is expecting to be a top executive at a technology firm, with personal investable net worth in excess of USD20 million and a net worth of at least USD100 million. Between the ages of 35 and 40, Sili expects to have gained sufficient experience and access to financial capital to start her own technology company, with an initial public offering several years later that will generate a payoff of at least USD1 billion. After serving as chair and CEO of the company for two years while it transitions to being a public company, Sili plans to retire from life as a technology company senior executive. She plans to live a relatively minimalist lifestyle financially in retirement while using her vast wealth to invest in young technology startups and provide advisory services for startup managers. As her abilities to provide such services decline, she plans to gradually donate her wealth to fund endowments to nonprofit scientific organizations devoted to solving important world problems with a specific focus on targeted investments in countries with high Gini coefficients

Discuss the implications of Sili’s retirement plan with respect to the value of her human capital, financial capital, and total wealth, as well as with respect to the decumulation phase of her economic life cycle.

选项：

解释：

While Sili's human capital value likely declines in retirement as she ages, her ability to earn money from her investments and advisory work for start-ups may negate significant declines in the value of her human capital. However, eventually she may decide to make fewer investments and take on fewer advisory assignments, and at this stage, her human capital will decline in value more significantly. Sili's financial capital is likely to continue to increase as long as she remains effective at identifying good candidate start-ups in which to invest. As these companies succeed financially, Sili will continue to realize profits from these investments. Eventually, she will begin converting some of her financial capital into donations to her philanthropic interests during the decumulation phase of her economic life. At this point in time, her total wealth may finally begin to decline.