This document discusses the sharing economy and on-demand services. It notes that many sharing economy startups were founded in 2008-2010 after the financial crisis. While Generation X and Millennials are driving this new economy, baby boomers are enjoying utilizing their owned assets. However, on-demand services face challenges like low entry barriers leading to tough competition, cash flow management issues, and regulatory uncertainty around whether workers are employees or contractors. As the sharing economy grows, individual reputation and credibility online may become increasingly important.