1.  R. “Ray” Wang, “Disrupting Digital Business: Create an Authentic Experience in the Peer-to-Peer Economy.” Harvard Business Review Press, May 2015.

2.  “Freelancing in America: 2015” study, commissioned in partnership by Upwork and the Freelancers Union, surveyed over 7,000 U.S. workers. See

3.  Full quote is: “In your career, knowledge is like milk,” says Louis Ross, chief technology officer for Ford Motor Co. “It has a shelf life stamped right on the carton. The shelf life of a degree in engineering is about three years. If you’re not replacing everything you know by then, your career is going to turn sour fast” as quoted in The Lexus and the Olive Tree: Understanding ...

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