The Search for Meaning Might Drain Your Bank Account

“They haven’t said much about the meaning of life yet.” – Monty Python’s The Meaning of Life

20150624_193844-001

So, is the meaning of life having a super sweet car like this?  If so, would having a Bat Cave be like double extra meaning?  If so, count me in!

One tragedy of our current culture is lower amounts of social interaction leading to meaning.

So what do I mean by meaning?

Meaning is significance.  Meaning is working on something important.  Meaning implies actions that change the world for the better, or at least change someone’s life for the better.  Ideally, this work is something that you are uniquely suited to do and that you’re good at, but those things aren’t absolutely necessary.  The idea is that you have some way that you can actively change the world for the better.  And you don’t have to paint the world to make it better, because the world is really big, and it would take a very long time to paint it, kind of like my house exterior, which, at last count, has taken me 10 years to paint, mainly because I haven’t started yet.

But meaning takes time.  And it takes persistence.  And sometimes it takes money.

Those things can be difficult, especially if you’re lazy like me.

So where can you get meaning?

  • Your job. A job is a good and admirable place to find meaning, and ideally yours is such a place.  But it probably isn’t.  Some people, like those at the IRS, actually have a job that implies they will make others angry with no real discernible benefit to society.  How about being a prison guard?  Tough duty.  And how many jobs are, well, just plain BS?  If you have one of those or aspire to one of those, you’re in luck!  There’s an entire web page dedicated to generating job titles for you!  (LINK)  Chances are better than even that your job is just that – a job.  It’s a job that people pay you to keep doing rather than a saintly crusade to save the planet.  Hey, at least you get paid, right?
  • Your family. This is a great place to get meaning.  But if you’re a dad like me, your main job is to produce independent and tough children who view the world as a challenge that they want to beat.  It’s like you light a bottle rocket and then . . . off it goes.  After you’ve done lit the fuse, well, it’s gone.  And it doesn’t need you anymore – it has a purpose and a path.  I apologize to anyone who really desires to make dependent children who are needy basket cases, but that’s not the way we roll at Casa Wilder.  So, by definition, my children need me less each and every day.

What are the alternatives if you don’t get meaning at work, and need more than family can provide?

meaning

In the United States we used to take part in civic organizations to do meaningful work, or at least drink and smoke cigarettes, pipes and cigars while we pretended to do meaningful work.  Or smoke and talk drunkenly about the meaningful work that we really, really intended to do.  But those civic organizations really did accomplish a lot – from scholarships to the foundation of hospitals and clinics to funding zoos and draining swamps to get rid of disease-carrying mosquitoes.  And our forefathers accomplished all of that with a hacking cough and a buzz on.

Sadly, one last civic organization I attended spent more effort complaining about other members of the organization that weren’t there than it did changing the world.  And they didn’t even drink.  I don’t go to meetings anymore, though I did suggest beer would be good at the meetings.  If we’re not going to do something to help humanity, at least we should drink, right?  I don’t smoke, but I’d be willing to learn, if it helped.  Alas, this sober and smoke-free organization does little to change the world.

As a nation, our civic participation is down overall – the book Bowling Alone recounts how membership in groups that meaningfully participate at the local level of communities is . . . down.  Rotary.  Lions.  Boy Scouts.  Knights of Columbus.

It even reaches from structured clubs to bowling leagues.  Bowling leagues?  Well, the author used that data to show that social interaction was down across the board.  The overall number of bowlers is up, but the number of participants in bowling leagues is down.  We’re bowling, but we’re only bowling with people we already know.  We’re not using any sort of social energy to meet other people and forge new friendships and relationships that strengthen the civic core.  But at least you can drink and bowl.

If I was a cynic, I’d say the system was designed to do decrease civic participation – if we’re not actively making our community better ourselves, well, we can leave it for government to do.  Government likes this a whole lot.  Things that used to done by ordinary citizens in the community, say, being on the volunteer fire department, can now be replaced by professional firefighters who get paid.  Government wins both ways – the fire department employees like to get paid and vote for the people that pay them, and government has assumed another duty that it must tax for.  A win-win!

Unless you’re the guy paying taxes.

Regardless of why civic participation is down, it is down.  The reasons might form a future post.  And that removes a very significant opportunity to be, well, significant.  Thankfully there are other outlets.  Me?  I write this blog.  I know it’s seen by nearly every person on the planet right now.  Okay, okay, it’s not.  But traffic is heading that way.  At current growth trends in the year 2371 everyone on Earth will be doing nothing but reading my blog six hours a day.  Which is as it should be.  Then I will be officially meaningful.

However, there are other outlets besides writing that are preferred by other people:

Gaming.  I think I’ve told this story before on the blog, but keep in mind, when I originally wrote it I was getting about 1/10th the traffic I’m getting now.  So, if you’ve heard this story before, pretend you haven’t, because I’m going to tell it even better this time:

In the 1990’s, I remember watching the HBO™ series Dream On.  In this series, a newly single guy in New York had numerous adventures.  Since it was on HBO®, many of the adventures involved scantily clad females.  Or completely naked females.  But I turned away from the set and read my Bible during those naughty, naughty scenes.  Thank heavens the VCR was recording.

The main character had an office job in New York.  He also had a secretary, Toby.  She was written as a nearly worthless secretary with an attitude.  In one particular episode, she does nothing but play a video game on her work computer.  You could do that before the Internet and the IT department tracked every keystroke.

The game involved a supermarket.  Toby started the episode as a stock boy in the game.  Then she worked her way up to bag boy a few scenes later.  Then, cashier.  Then a few scenes later?  Produce manager.

Finally, at the very end of the episode, she yelled:

“I DID IT!”

“I’m the MANAGER!”

“Of a supermarket . . . that doesn’t exist . . . .”

With each phrase, her emotions changed.  At first, joy in achievement!  Secondly, a questioning voice . . . a manager.  Finally, her voice got very small.  She realized her accomplishment was really no accomplishment.  It lacked meaning.

If you like games, if you like escaping in them, that’s fine, more power to you.  But remember, they’re not really a substitute for actual achievement.  Plus, this is Wealthy Wednesday – how much money do you want to spend on games, anyway?  And how much time do you want to spend on them?  Yeah, I know, I spent two hours today.  But . . . umm, I’m sure I had a good reason.

Consumption.  Yes, this is Wealthy Wednesday, and as such we finally have to get around to this.

Consumption is used as a replacement for actual significance and achievement.  It’s even encouraged.  Why does it work?

Where else can you go, hunt for something, find it, and then get it.  It’s certain to work, every time.  You can’t fail.  Yet you get the opportunity to experience the flush of success, the dopamine rush from having found and purchased what you were looking for.  And if you bought it off the Internet, you get a second rush when the little brown box from Amazon shows up*.

That purchase gives the same feeling as accomplishing something that has actual meaning, and there’s none of the work and none of the uncertainty.  It almost doesn’t matter what the thing is.  It could be shoes.  It could be books.  It could be lightbulbs.  It could be PEZ® dispensers.  As long as it’s something that you can actually do, your brain can take this stimulus and turn it into a replacement for actual achievement.

And it has been culturally jammed into our heads – we’re not who we are, we are the sum total of what we own.  We are our car.  We are our house.  We are our slacks.  We are our PEZ® dispensers.  This consumption has replaced civic virtue.  It has replaced the Lions Club.  It has replaced the Rotary, the Kiwanis, and the Knights of Columbus, but unlike those groups, you can do it alone, at night, downstairs in your underwear, after a few beers.  At 2AM, feeling like you haven’t lived up to your potential in life?  If you’re tired of being the manager of a supermarket that doesn’t exist, well, perhaps you can check in at Amazon.com® to see what you can buy to fill the achievement and meaning-sized hole in your heart?

This post is about wealth – and the first requirement of being wealthy is that you don’t spend thousands of dollars on useless crap to replace meaning in your life.  Especially if you don’t have the cash to spend.  If you don’t have the cash to buy that new truck and you buy it anyway?  Now you have debt.  And the debt removes your peace of mind and you go in search of more meaning, so you buy the boat.  And you and your wife have to work for years of your life to pay for it all.

That’s okay, it’s not like you can become a slave to your own consumption based on your search of meaning, is it?

Nah.  I’m sure that doesn’t happen.

*I refuse to say how I learned this.

TEOTWAWKI Part V: Camaro and Camo

“She’s the last of the V8 Interceptors.” – Mad Max

teo4

So, the only perfect car after the apocalypse is a V8 Interceptor, right?  But what does insurance cost after the end of the world as we know it?

This is part five of a multipart series.  The rest of them are here:  (Civilization, The Iron Triangle, and You, Civilization After an EMP: TEOTWAWKI (Which is not a Hawaiian word), TEOTWAKI Part III: Get on your bikes and ride!, Internet Cats, TEOTWAWKI Part IV, and The Golden Horde)

EMP +2, 2PM, 60 miles from home.

I could hear the big V8 engine coming about a mile away.

And that was good, because I had no idea who was driving it.  As much as I’d have loved to hitchhike home, I had the gut feeling that anyone putting that much gas into the engine had a purpose in mind that didn’t involve taking me home.

I broke for the ditch on my right, and the dubious cover of the small tree beyond – the only cover for 40 yards.

I was still wearing the camouflaged poncho – it was nearly uncomfortably warm, even on a 50°F day.  But it had the benefit of not being orange.  I got behind the tree, got low, and stayed still.

Forty seconds later a 1960’s era Camaro topped the small rise and blew past me on the road, loudly.

As the high pitch dopplered into a low pitch as it passed me and moved away I guessed that the owner had taken considerable liberty with the state laws that governed noise reduction – the car was loud, uncomfortably loud.  And it didn’t slow down – whether or not it had seen me hiding behind the shrub.  Where ever they were going, whatever they were doing, it didn’t involve me.

That was good.

After a minute, I got up, and started walking again, east, following the Camaro.

Walking is boring.  Boring, boring, boring.  Blaise Pascal, the mathematician, was also quite a philosopher – and in what was probably a pretty dismal day he wrote the following:  “People distract themselves so they don’t have time to think about how wretched they are.”  It’s not exactly what he said – he was French, but it’s close enough.

But the boredom was alternating with apprehension.  My family was miles away, and I had no idea what was happening with them.  The good news:  they had been at home.  If it weren’t winter, they would have slept through their alarms, since their alarms were all electronic, and most of them were hooked directly to the Internet, and none of that was coming back soon.  But since it was winter, someone, probably my wife, had woken up when it got cold in our bedroom.  And knew something was wrong.

They were smart, though, and I imagined that they would have figured out pretty soon that the lights were gone for good.  At least I hoped they would.  We had actually spent time talking about it, more as a thought experiment, a “what would you do if” conversation on the deck on the mild spring and fall evenings.  My apprehension was like my apprehension about being on the road – my sons and wife would be fine, except for . . . other people.  Like the people in the Camaro.  Random people who had needs, desires, or bad blood.

Borehension?  Apprehendom?  Not sure there was a word for it.  But I kept going, one foot in front of the other down the road.

The third emotion I felt was hunger.

I’m not sure that I’d ever really been hungry, in my entire life.  I was only on the second day of this trip, and I hadn’t eaten.  The emergency food rations in my backpack – 6000 calories – were five years old.  I’d never rotated them.  And they’d been kept in the trunk of my car on 110°F days during five summers.

What causes food to go bad?  Heat, light, and age.  My trunk had given them two out of three.  When I opened the package, what wasn’t hard as a rock was rotten.

I threw it away before I got hungry so I wouldn’t be tempted to eat it.  It was heavy, and it was useless.

I couldn’t remember when the last time I had gone a day without food.  It was probably a few years ago.  But there hadn’t been many of them.  Now I was on my second day without food, and I had probably been burning 10,000 calories a day between biking, walking, and shivering at night in the cold.

But this part of the Midwest was nice for walking.  It was flat, and the roads ran straight – unless there was a river, lake, or hill, the roads went due north and due south, and there was one nearly every mile.  And I needed to head due East, so I kept going East.

And my feet hurt.  I worried about getting blisters.  If I had to finish this on foot, which looked likely at this point, blisters were my biggest enemy.  Outside of people I didn’t know.  Like the guys in the Camaro.

As I crested the next small rise I saw another farmhouse about a half mile off.  The Camaro was there.

I stopped and sat down, off the road, back into the ditch to watch.  No reason to highlight my silhouette against the ridgeline.

Two gunshots.  Separated by about fifteen seconds.

A minute later, two people got walked out of the house and got into the Camaro®, and started it up with a load roar.  They backed up, and then the tires threw out gravel as the driver gunned the engine, fishtailing as they straightened out the car onto the main road.

Headed straight back toward me.  And I had no illusions.  They were armed.  And their intentions weren’t good.

And I was a witness.

Meanwhile, in the big city to the north . . .

Tim looked out and saw that three houses in the next block were on fire.  He had gone to help, but all he could do was stand outside with neighbors that he’d never talked to as everything they owned burned.  He’d thought about inviting them to his house, but, again, he didn’t know them.  Maybe their next door neighbors would invite them in.  Or maybe there was an empty house they could stay in, until things returned back to normal.

He and his wife, Arlene, had some firewood, and had kept the house warm that first night, but now the firewood was low.  They mainly used the fireplace on Saturday nights, only.  And that was for atmosphere.

Tim had walked the half mile to the supermarket, and saw that it was closed.  But it wasn’t closed.  The windows had been broken out, and walking through the sliding doors that had been permanently pulled open, and nothing but darkened chaos inside.  Tim didn’t see a single item on the shelves, as far as he could see.  Nothing.  The store was empty.

Tim walked back home.  Not a car on the streets.  At his front door, he called out, “Arlene-ee, I’m home.”  No answer.

His next door neighbor, who he had stood with as his house burned, came down the hall.

“Can I help you?”

### (Until Next Week)

I typed in “Cover, Concealment, and Camouflage” into my browser.  What popped up?  The first link was Crosman®, the BB and pellet gun manufacturer.  On their page, they have copied the USMC Marine Rifle Squad Field Manual.  I guess I love these guys now.  Oh, who am I kidding.  I already have a pellet pistol and rifle from them.  Here’s their link (LINK).

Cover is what protects you from being shot, like a log, a tank, or hiding behind your mom – to be clear, not my mom, but your mom.  Concealment is what protects you from being seen, like a log, a tree, a hill, or hiding behind your mom.  And Camouflage is the use of manmade and natural material to avoid being seen, like incorporating brush to break up your outline, or using mud or charcoal to make sure your face doesn’t shine, or using camouflage clothing to blend in.  Your mom is awful camouflage, since she can be seen from space, and everyone stares at her because she’s so big.

But when moving through territory where you’re a stranger, or, you just don’t want to be seen?  Concealment and camouflage are critical.  Except they won’t work for your mom – she couldn’t hide behind a hot air balloon.  But your momma didn’t read Pascal.

teo1

Guess this was before Facebook®?

Pascal really did say something like the quote in the story.  He really was quite a philosopher – his book, Pensees, published in 1670 (read it here for free), showed that even back then mankind had a tendency to want to distract themselves so that they didn’t have to think about their actions.  “People distract themselves so they don’t have time to think about how wretched they are.”  Yup.  We do.

Back then?  Books were the distractions.  Then plays.  Music.  Radio.  Television.  Comic books.  Video games.  The Internet – Facebook®, Twitter©, SnapCat™, and MySpace®.  Everyone’s still on Myspace®, right?  And don’t forget work.  Anything so you don’t have to think about yourself, the consequences of your actions, and if you’re doing the things that follow your values, or, if religious, the values of your religion.

Yeah, tough.

Now imagine being in the culture where we are surrounded by Weapons of Mass Distraction on a continual basis.  And then they’re all gone – except for books and comics.

What will that do psychologically to the survivors?  I mean, you’ve lost everything, but the biggest thing you’ve lost is the ability to forget yourself.  I imagine depression and suicide will be pretty popular – people who will end themselves rather than confront themselves.  I sure hope you all like that quote when I put it on Facebook® complete with a cat or a bikini girl sitting on a 1960’s Camaro©!

And, yup.  A 1960’s era Camaro® has no systems to be impacted by an EMP.

teokini

Imagine, all of these things will work after an EMP. 

Americans, for the most part, haven’t felt hunger since the Depression®.  There isn’t a lot of evidence that many Americans died during the Depression™ due to hunger, but there were plenty of people that were hungry, but even then few people died due to malnutrition.

To clarify how pampered we are as a society:  a day or two after Hurricane Katrina, my wife and I were watching the coverage of that unfolding tragedy.  Someone on CNN® got on the air and said that PEOPLE WERE EATING PEOPLE IN THE SUPERDOME® DUE TO HUNGER.  Now, like I’ve said before, it’s been a long time since I’ve been a day without food.  But to go full cannibal after two or three days?  What?

I mean, if I was really hungry . . . maybe . . .

NO!

NO ONE EATS SOMEONE AFTER THREE DAYS WITHOUT FOOD.  NO ONE.

I mean, unless that was a normal thing for them from before.

But we are so very used to a normal flow of calories that it’s difficult for anyone to conceive of going a day without food.  What about a week?  Two weeks?

After an EMP that would certainly happen people will get hungry.  And that’s not unusual during human history.  During the Medieval times, what did the peasants do?  Drink and party all winter?  No.  They huddled in cold houses under blankets after eating the bare minimum to survive the winter.  They hardly did anything all winter long.  Because they were peasants.  And it sucked.  And their wifi was really slow, too.  But they didn’t get blisters.  Just kidding, they got lots of blisters, because they were peasants.

Blisters are horrible, and can cause fatal infections if not properly treated.  Thankfully our protagonist has extra socks, disinfectant, and Neosporin® if he gets a blister.  But they will ruin his progress if they get too bad.  But he can count on his neighbors to help, right?

Well, not necessarily.  How well do you know your neighbors?  I was sitting outside tonight making sure The Boy didn’t inadvertently crush himself as he changed the oil in the Wildermobile®.  He was using jack stands under the front axle for the first time, and I wanted to make sure he didn’t mess up.  Thankfully, I only had to offer two or three life-saving tips, and three or four car-saving tips.

What showed up while I watched him work?

A neighbor dog.  A sweet terrier with a flowered collar and a Denver Broncos® bandana.  Which of my neighbors liked the Broncos®?  They’re not a team in favor, here.  It wasn’t my new neighbors to the north.  Maybe the new ones to the northeast?  Sadly, even here in rural Upper South Midwestia, I don’t know my neighbors well enough.  Modern life seems to be set up to separate us – we have little time between work and kid sports and kid clubs and everything else.

We’ll see what happens to Tim, but it’s not likely that he’ll be with us too long.  He seems woefully unprepared.  Like your mom.

Computers and Privacy: Pick One.

“Ma’am, please calm down.  Your CD tray is not a cup holder.  I cannot help you clear your browser cache.  No, I’m not in India.” –Strongbad

privacy

You’d think they’d have learned about incognito browsing back in the Middle Ages.

I have no illusions of having any privacy when it comes to computers.  None.  The only computer that’s safe is one that has never been connected to the Internet.  And if that were the case, how would you then get all the cat pictures on the computer?

privacy2

Be true to your cat.  It will wait until you’re dead before eating you.  But it won’t wait too long.

The only safe computer is one that’s not connected to . . . anything.

Sound paranoid?

Check out this article on Bloomberg (THE BIG HACK).  I’m probably not paranoid enough.  And I’m certain you’re not paranoid enough.

That article is really long, but it shows, step by step, how the Chinese managed to put hardware on computers that specifically bypasses all of the security protocols.  If this hardware is on your computer?  The only reason that they haven’t blackmailed you is that you’re not worth it to them to have their technology exposed.  It’s amazing – the chip that they put on that allows this to happen is smaller than your Mom’s patience on a hot day when the air conditioner is out.  And they made it small enough so it doesn’t even show up on the board – they put it in between layers of fiber on the printed circuit board.

This chip allows them to have access to whatever they want to on the system or reprogram it on the fly.

So, no.  The Chinese won’t blackmail you because they’d rather keep listening to everything.  And I mean everything.  How many motherboards in the Pentagon were made in China?  Yeah.  It’s big.

privacy5

It could be worse.  It could be your wife.

But it’s not just the Chinese.  We’re doing it to ourselves, as well.  The National Security Agency has built a data center.  This data center has over 1.5 million square feet of storage, and will use 65 megawatts of electricity, and will use 1.7 million gallons of water a day for cooling.  It’s estimated that it will have storage of over a dozen exabytes (according to ZME Science, five exabytes is equivalent to all of the words spoken by human beings – ever) of storage.  If this sounds like Bill Gates’ guest house, well, you’re right.

But in this case this storage will be on real-time internet surveillance.  And as we’ve seen in the past, the NSA and the other three-letter agencies don’t really care about pesky things like the laws that prevent them from putting Americans under surveillance.  Nah.  That’s for amateurs.

This data center requires massive numbers of servers.  How many of them were made in China?

There is no privacy.  Our government might not even be able to keep its secrets . . . secret.  What chance do you have?

None.

The implications?

Imagine a Supreme Court nominee in the year 2050.  The nominee is 50 – and has spent almost their entire life online.  Imagine further . . . the browser history from when they were 14 showing up?  Sound silly?  It certainly isn’t – not after the last month’s bit of nonsense in the Senate.  I’m surprised they didn’t discuss fart jokes the nominee made in 1982.  Oh, wait, THEY DID.

Back to 2050:

“I see, Mr. Nominee, that in the year 2014, at the age of, what, 14?  At that age you seemed particularly fascinated with oil-covered girls wearing bikinis.  How can you defend that in light of our desperate oil shortage and the man-made global cooling?  And bikinis were outlawed several years ago as hate clothing, I must remind you.  Did 14 year old you have NO IDEA of the pain you would cause the future?  I respectfully ask the committee chair to put some more coal in the stove?  We have to get more precious CO2 into the air to hopefully warm our atmosphere.”

And there’s a further rumor (I have no idea if it’s true or not) that one particular Supreme Court Justice changed his vote on the constitutionality of Obamacare due to blackmail obtained from his electronic records.  A rumor, I must stress.  But not something I made up (Link) like that story of how Bret Kavanaugh and I broke into that ancient Egyptian site and found the Ark of the Covenant®.  Yeah, it was really the Arc of the Covenant™, which contained the geometry homework of Moses.privacy4

So, if you’re true to yourself, you’ll never go on a daytime talk show.

I became convinced that computers were fundamentally insecure due to Ben Franklin’s old adage:  “Three can keep a secret, if two are dead.”

Computers give their greatest value to us when we link them together.  The Internet is just that – linked computers, talking to each other, and sharing information.  And most of it is super important, too!  Like what the Kardashians did this week.  Or where Ben Affleck is at this current moment (and if he’s sober).  And how Russians have a campaign against Star Wars™.  Not the space-based missile defense.  The movie.

But all kidding aside, the networking of information systems has allowed amazing amounts of information to be shared across the world, allowing us to be more well informed.  Or, if you spend actual Internet time on the Kardashians, more entertained.  This communication has made our systems more efficient, and has allowed us to negotiate better, to learn new skills taught by people thousands of miles away.  But connectivity and value creation comes at a price.

The ways that computers can be compromised is amazingly large:

  • Hardware Exploits – As described above. This is fairly new.  Makes you wonder about how our fighter jets would perform if we ever went up against China?  Might just fall out of the sky?
  • Viruses – These won’t stop, and will get cleverer as time goes on, and more systematically destructive.
  • Day One Vulnerabilities – These are errors in the operating system that allow bad guys to get in to the system. They’re everywhere.
  • Backdoors – These are pre-programmed into operating systems so that folks like the (cough) NSA (cough) can get in anytime they want. They could likely watch me type this in real time.  But they can come on over and chat with me while I do it.  If they bring the beer.

I may be the last person who doesn’t pay bills online.  I also don’t bank online.  When my identity got compromised (The Lighter Side of Identity Theft) I actually signed up for Lifelock®.  The folks at Lifelock™, when I got compromised again, noted it was good.  Online banking was the source of a lot of tragedy that they’d seen.

So in a world where everything is offensive to someone, and everyone’s secrets aren’t really secret, how can we have a civil society?

Have no shame.  It seems to work for the Kardashians.

Opportunity – Like The Truth, It’s Out There

“This technology has been falling to Earth for centuries.  All it took was the right mind to use it properly.  Oh, the advances I’ve made from alien junk.  You have no idea, Doctor.  Broadband?  Roswell.” – Doctor Who

roswell

Business Cat is ready for another adventure . . .

As I’ve made clear in previous posts, (Rome, Britain, and Money: Why You Can’t Find Fine China after the Apocalypse, More Budget Doom, The Rolling Stones, an End Date, and an Unlikely Version of Thunderstruck, Early Retirement: Things to Consider (cough Health Care cough)) I think that our financial system is in trouble due to debt, currency debasement, and structural benefit issues with things like Medicare®.  In fact, I think that it’s mathematically certain that we’re going to have at least one more catastrophic dislocation (fast or slow), and my bet is that it occurs between 2024 and 2040.  Could it come sooner?  Sure, you stunning optimist!

However, none of that means that you can’t give yourself the means to be comfortable despite the decline.  And if I’m wrong about the decline – which I really hope is the case – then you’ll be in better shape.  I mean, round is a shape, right?

So, how do you make a bunch of cash so you can snort Cuban cigars, or do whatever it is the kids are doing with Tide® Pods™ while being flanked by surgically enhanced Instagram models?

Start by doing something.

Action leads to opportunity.  Inaction might help your video game scores and Cheeto® consumption, but to really create a situation where you’re going to have opportunity, you’re going to have to do something.

Living in a big city is great for creating opportunity.  But living in a big city also involves living in a big city.  And the last time I lived in a big city, it was Houston.  Houston was great – I met a guy who gave me baseball tickets.  Baseball tickets that were right behind President Bush’s (the first one) seats.

DSC02888

Yeah, I took this picture.  How cool is that?

H.W. and Barb were there that night.  Then President Bush took us to his house and showed me the actual documents from Roswell while The Mrs. and Barb arm wrestled in the kitchen and then played some drinking/fighting game from Mexico that involved tequila, a bandana, and knives.  H.W. shared the big secret with me in his study over snifters of brandy:  turns out what they found at Roswell wasn’t aliens, it was just dolphins with spaceships off on a drunken joyride.  No biggie.

uforoswell

The real cover up?  They had actually found Eleanor Roosevelt’s underthings.

Okay, the Roswell stuff I made up.  But I did get those tickets and President Bush was there that night.  And nobody in Podunk, East Midwestia is going to have tickets like that.  Big cities breed opportunity to build connections based upon the sheer concentration of people.  If you’re young and looking for opportunity?  Big cities are it.  Although my brother, who is also named John Wilder, did meet Bob Denver when he stopped for gas in a town of 1,500 people.  My brother was working at the station that day.  Said he was the nicest guy you’d ever meet, so, yeah, random meetings will happen.  But they’re the exception, not the rule.

If I were fixated on opportunity, yeah, I’d move to a big city.  But it’s not my cup of tea.

bobdenver

Okay, this might be fake trivia . . .

When doing something:

Don’t quit your job, unless you already have a lot of money, or are certain your crazy scheme will work.  Or unless you have nothing to lose.  When Jeff Bezos quit to start Amazon.com, he had enough money and enough connections that he knew he could restart if Amazon failed.  But for every Bezos, there are tons of people like Davos Riggins.  Who is Davos Riggins?  I don’t know.  He didn’t do anything.

A minor bragging point – I found a name that returns zero hits on Google® on the second try.  Ha!  And apologies to Davos Riggins if you really exist.  But you have to admit you’ve squandered your potential.

Don’t borrow zillions of dollars to put your idea into practice, unless bankruptcy can’t hurt you.  And even if you win?  The debt will make your company less profitable.

What can you do to create opportunity in life?

Depends on you.  One of the things (not the only thing) I do is write.  Before this post, I’d written 229 posts comprising 316,000 words in the last 18 months.  Why?  I enjoy it.  Also why?  It’s doing something – it’s using the Internet to create possibilities that didn’t exist before.  And after 229 posts?  I still have dozens of sticky notes with topics that I want to write about – I have more topics than time.

But that’s my thing.

What about you?

  • Build something cool. Sell it at a flea market.  Or on EBay™ or Etsy®.
  • Start a company that to help people find PEZ® dispensers. Oh, that was how EBay© got its start.  This is a lie.  A sweet, beautiful lie (see comment below), but a lie nonetheless.  And now I owe doughnuts!
  • Start a social network that only allows communication via cat emoji – suggested name? Snapcat©.
  • Write a list of 100 things you’re good at.
  • Write a list of 100 things you like to do.
  • See how the lists overlap? I bet there’s opportunity there.
  • Go to conferences and meet new people.
  • Meet their friends, too. They know someone that can help you.
  • Learn from your losses.
  • Start again.

Regardless of the way the world is going, you can thrive.  You really can.  If you imagine the US economy as a swimming pool, each gallon of water in the 40,000 gallon pool would be worth $5 million dollars.  And that’s every year.  And it’s not counting all the pee in the pool from when you had your nephew over.

Would you miss one gallon out of 40,000?  No.  Nobody would.  And just like the pool, the economy doesn’t care.  Not even about the pee.

There’s room for you to be as successful as you want to be, if you’re willing to sacrifice your time and location and fail again and again.  And even when you win, you won’t be satisfied.  That’s the biggest gift yet – the quest.  If you’re good at it, if you like doing it, if you can make money at it, and if it changes the world?

That’s a start.

A good one.

Internet Cats, TEOTWAWKI Part IV, and The Golden Horde

“I don’t need a receipt for a doughnut, man.  I give you the money, you give me the doughnut, end of transaction.  We don’t need to bring ink and paper into this.  I just cannot imagine a scenario where I would have to prove that I bought doughnut.” – Dr. Katz

endofworldcat1

This is how I imagine dogs imagine the end of the world.

Bringing you up to speed:  our hero has been trying to get home after an EMP – bringing about what is known as The End Of The World As We Know It (TEOTWAWKI) or The Stuff Hits The Fan (TSHTF).  The first day on the road went pretty well.  But, you know, that can’t keep up, can it?

Previous posts are:

The next day?

EMP + 1, Noon.  111 miles from home.

Sound, at sea level, travels at about 1125 feet per second.

The velocity of a bullet from an AR-15 is about 3,200 feet per second.  And from a hunting rifle, say, a .30-06?  It travels about 2,800 feet per second.

Those numbers explain why I heard a soft splat on the asphalt in front of my bike wheel, then the buzzing sound of the bullet tumbling end-over-end in a ricochet off the ground before I heard the report from the rifle that fired the bullet.

If I had enough sensitive timing equipment, I could have even given a pretty good estimate of how far away the shooter was.

The average reaction time for a human to a stimulus that they’ve been waiting for is about a 0.25 seconds.  But when you’re in a car?  Some studies say 1.5 seconds.  Others say 2.5 seconds.  All I can say is that as soon as I realized that someone was shooting at me I hit both the front and rear brakes as hard as I could.  I think I was going about 20 miles per hour.  I probably pulled too hard on the front brake – the wheel locked and I went tumbling over the top of the bike, at least partially sideways, onto my right shoulder.

I tucked and rolled as I hit the asphalt, my backpack whipping me up in the air as I rolled up on and over it.  Rolling was better than sliding, and far better than holding my arm out and having my shoulder dislocated.

I came to a stop, my bike somehow in front of me.  It must have flipped over me and slid on the road.

My front bike tire jerked and popped, and then I heard another shot.

Adrenaline filling my system, time seemed to slow down.  I could see two immediate options – first, slip into the ditch near the road and get the hell out of here.  Second?  Play dead.

The second shot into the bike made that decision easy – they weren’t shooting to warn.  They were shooting to kill.  Thankfully they were lousy shots.

And the day had been going so well.

The first day’s ride had been great and mostly uneventful.  This morning I’d woken up with the Sun, but was so very sore, especially my butt.  I folded up my tarp, Mylar blanket, and poured some water on the fire.  My Lifestraw worked, and I filled up water bottles from a (barely) flowing creek bed by taking successive mouthfuls in and spitting them into the bottle.  It wasn’t exactly hygienic, but it was also unlikely that I’d give myself Ebola, cooties, or zombie plague.  The water was cool, but tasted . . . a bit off.  I trusted that the Lifestraw’s guarantee was good, even though it was unlikely that I’d ever be able to collect it wasn’t.

For the second day, I was averaging over 20 miles per hour.  The wind was at my back.  I could see smoke rising from where I thought the big city was, and wondered how bad things were getting there.  Thankfully, I was a good 40 miles south of the big city.  But when I was getting ready to cross under the Interstate a half mile east, and then my friend, the lousy shot, changed my plans.

And I was here in this damn ditch.

Thankfully the two-lane road that I’d been on was lined with trees on either side.  I got up, ran into the hedgerow and then out of the trees and into a pasture that was blocked from view of the overpass.  I pulled a camouflage rain poncho out of my pack – it was probably better visual cover than the orange t-shirt I was wearing, and started running back east the way I’d came.  There weren’t any shots, but the thought crossed my mind that they might be sending someone out to check on me.

I didn’t intend to be there when they got to my bike.  I did recall seeing another small creek about half a mile back.  I trotted in the pasture until I got there.  I noticed my legs were itching, and looked down.  Evidently I’d jogged through a batch of stick tights, and my jeans and socks were covered in at least three different types of them:  devil’s claw, cocklebur, and burr-grass.

No time to deal with that now.  I kept going.

I followed the stream bed, attempting to keep my feet on the flat sandstone slabs in the creek bed.  As I got a half a mile away, I stopped.  I’d built up a lot of heat under the plastic poncho, and I pulled it off.  I then took the multi-tool from my pack and started pulling the stick tights out of my pants.  Eventually I gave up and took the pants and socks off so I could pull all of them out.  It took about 20 minutes, and I heard no pursuit, but that didn’t surprise me.

I imagined that whoever shot at me wasn’t going to follow very far.  They’d made their point.  I wondered what had caused them to behave that way?  My only guess was that they were pretty close to the city, and that someone had decided to do a joy ride in an older car that still worked after the EMP, and had brought the city fathers together in a posse to protect the approaches to the town.

I got finished with sticker duty, and it was now about 2pm.  I kept following the riverbank south, until I hit a railroad – which was headed due east.  Right where I wanted to be going.  If followed the railroad tracks, walking briskly, until I saw the Interstate.  The Interstate crossed over the railroad, and then the railroad crossed over the last big river between here and home.  I decided not to linger on the highly visible railway – I decided to keep jog as fast as possible under the Interstate and over the river.

Nothing.  Today.  Tomorrow?  I imagine a bright boy at the city that was defending the Interstate would see this as a vulnerability that they’d have to solve and place a fire team to cover the bridge.

As it was, I made it past the bridge, and kept walking on sparsely populated farm roads well into the night.  I avoided the two medium-sized towns, and then about 2AM, decided make a small fire about two miles from the nearest farmhouse in a small grove of trees and sleep.

I was exhausted.  I was, I guessed, 75 miles from home.  I missed the bike very much – I’d be four or five hours from home, at most.  Now?  A day?  Two days of walking?

That seemed like forever, especially on a day where I’d been shot at the first time in my life.  What would happen next?  I slept, and the rough ground wasn’t an issue.  I was exhausted.

### (Until Next Monday)

I’ve never been shot at.  But one thing that I’ve been told is, “don’t point a gun at someone unless you’re ready to shoot at them.”  I think this would be the rule in a catastrophic collapse, and also in the event that we have the long, slow collapse or civil insurrection I’m actually expecting.  Eventually, we’ll get there if things go south.

But why did we get in the story to the point where people, namely your protagonist, were getting shot at so quickly?

endofworldcat3

My thoughts are that being close to a big city when things collapse is like having a Martian death-ray pointed at your head.  People in big cities are barely under control when the economy is booming, the benefits are flowing, and the cops are out in force.  The cops won’t be at work long during a collapse scenario – they’ll be protecting their family, not yours – that’s backed up by recent experience during hurricanes like hurricane Katrina.

John Wesley, Rawles wrote about this and uses the metaphor of “The Golden Horde.”  Yes, I know there’s an odd comma in there, and no, it’s not a typo.  It’s the way Mr. Rawles chooses to do his name – ask him, not me.  Anyway, his quote on the subject from his blog (LINK) is:

As the comfort level in the cities rapidly drops to nil, there will be a massive involuntary outpouring from the big cities and suburbs into the hinterboonies. This is the phenomenon that my late father, Donald Robert Rawles–a career particle physics research administrator at Lawrence Livermore Laboratories–half-jokingly called “The Golden Horde.” He was of course referring to the Mongol Horde of the 13th Century, but in a modern context. (The Mongol rulers were chosen from the ‘Golden Family’ of Temujin. Hence the term “The Golden Horde.”) I can remember as a child, my father pointing to the hills at the west end of the Livermore Valley, where we then lived. He opined: “If The Bomb ever drops, we’ll see a Golden Horde come swarming over those hills [from Oakland and beyond] of the like that the world has never seen. And they’ll be very unpleasant, believe you me!”

And I think that Mr. Rawles is right.  And the operative distance where the Golden Horde will show up?  About a half a gas tank.  That’s, on average, how much will be in a tank.  So, if you’re more than 150 miles from a major city, that’s a start.  I cannot stress enough that this is the biggest threat that anyone can conceive of during a collapse.

Most people aren’t 150 miles from a city.  And the people 40 miles due south of the big city, in this case several hundred thousand people?  They’ll get hit early, and hard.  In this fictional state, they’re also armed.  You won’t be coming down the Interstate to get them.  The tractors will pull cars to block the exits, and nothing will get off the Interstate alive.  Country boys aren’t necessarily great at long shots of 500 yards plus, but they will learn very quickly.  And they won’t waste ammo on warning shots.  The dead body in the road will be the warning.  Or they could just post a sign that says “no PEZ® this exit” – that might work as well.

endofworldcat2

So why did they shoot at fictional me?  They probably got a dose of the Golden Horde early.  And a dose of people coming to your town with no good intent would make you distrust almost everyone you didn’t personally know.  The closer you are, the more intense the outbound pressure will be.  And normal people living in the cities will do almost anything once they realize the old rules are gone and the new ones won’t be coming back.  I think it will take longer in the suburbs where the nuclear family with the 2.1 kids feel that they have too much to lose and will be certain that the old times will be coming back.

When they lose it, and start hiking or driving out?  Ouch.

But more about that next Monday, probably.  Or the Monday after that.  But definitely probably next Monday.

I have a knapsack in every car that I drive over 20 miles from home.  In each of these knapsacks I have a Lifestraw®.  I have no idea if they work well, other than the Internet, which says that they’re pretty good.  But the nice thing is that they’re $20, which allows me to have three of them for $60, and that’s less than a single water filtration pump.  Of which I also have three four.  Water is important.  It’s not as good as beer, wine, or whiskey, but it’s still important.

Which brings up another point – if your life is on the line, redundancy is key.  “Two is one and one is none,” is the phrase most commonly used among preppers.  And it makes sense.  You’re entering an environment where every preconception you had about life has been shattered.  Constitutional rights?  Probably not a big selling point for the Warlord Trevor from Brentwood.  Having several ways to get water makes sense.

I actually have one of those camouflage ponchos mentioned above in each of my packs.  I bought them for about $16, and they were pretty thick stuff.  My theory if you’re using the emergency bag is you’re either wanting to be seen (most likely) or not wanting to be seen (EMP level stuff).  The ponchos are good.  They have multiple purposes.  And when you put them on, you’re invisible!

Okay, you’re not invisible.  But when you properly use camouflage, you’re horribly hard to see.  I can attest to being shocked during a paintball game when a camouflaged friend stepped out of a tree and I had NO idea he was there.  And he was 20 feet from me.  And I was looking for him.  Camouflage, properly used, is like magic.  And they are really good at keeping you dry.

Which is good, but invisible would be better if people were shooting at you.

Heck, invisible would be awesome most days.  Then I could sneak into the snack room at work and not feel guilty about eating a whole donut, rather than cutting one in half.  Who am I kidding?  I don’t feel guilty about taking the last cup of coffee.  Why would I feel guilty about taking the last doughnut?  It’s JUNGLE RULES!

Bigfoot, Aliens, Farrah Fawcett, and the Guide to Real Inner Peace

“I have droppings of someone who saw bigfoot.” – Futurama

ufo1

I think this happened to me in the summer of 1982, but I don’t remember when, or where I was.  Pictured (green abductor):  Brett Kavanaugh. 

I was staring straight up at the ceiling in my bedroom, under the seven* heavy quilts that made the -40°F nights comfortable in my unheated** bedroom, every muscle tense.  This was what terror felt like.

I had seen him, or at least his glowing red eyes, on the small hill that was visible 1,175 feet from my bedroom window.  And I knew that he was headed toward me.  I knew that he had seen me.

I couldn’t see him headed toward me since I was too scared to look out the window, but I knew his inhuman, ground-devouring strides would be taking him to my window soon enough.  And then?  What would he do?

I gradually fell asleep, as the adrenaline drained from my nine-year-old bloodstream.  I remember wondering as I dozed off how exactly I knew that the hill was exactly 1,175 feet from my back window, and then I remembered.  Google® Maps™.

Okay, I didn’t know that it was 1,175 feet from my window until just now when I measured it on Google® Maps©.  But it was uncomfortably close.

What, though, was it?

It was bigfoot.  I had been reading a UFO magazine that day.  The UFO magazine had several helpful facts for me:

  1. Bigfoot was, in fact, not a creature from Earth at all.   Bigfoot was an alien.
  2. Bigfoot was a psychic alien.
  3. Bigfoot, the psychic alien, had glowing red eyes.
  4. Bigfoot was known to inhabit the hills near where I lived. Since I lived in the hills – the exact hills the little gray and white map in the pulp UFO magazine had shaded as “high bigfeet activity areas associated with alien psychic bigfeet that will probably kill, dismember, and eat wee John Wilder in his sleep, and if he’s lucky, in that order.”
  5. Okay, the graph didn’t say they would kill, dismember and eat people, but it did talk about increasing incidents of violence against people.

So, I was a little tired when I went off to school the next day.  Thankfully, I also concluded that the glowing red eyes might have been something else, like a reflection in the window.  Or maybe that was a memory that psychic bigfoot put into my nine-year-old brain?

Really, it had been quite a long time since I was allowed to be scared, specifically since the night when I knocked on my parents’ bedroom door at 2AM and Pop Wilder made it clear that my presence was no longer requested at 2AM waking him up because I was scared.  At that point, I became more afraid of what Pop Wilder would do to me versus anything a psychic bigfoot could do.  Besides, I was sure Pop Wilder was real.

Alien psychic bigfeet?  Not so sure that they existed.

UFOFarrah

Farrah kept me safe from the bigfeet.  And made me feel real funny when I was 13.

Honestly, after this one night of terror I didn’t give bigfoot a whole lot of thought.  My focus shifted to girls, where huge feet and lots of hair wasn’t exactly a selling point for me.

sexybigfoot

Words only a teenage male bigfoot would type into Google®.

So, I grew up.  Then one day, I heard the words again . . . Alien Psychic Bigfoot.

The Mrs. and I were travelling across country, and listening to a radio program as we drove through a cool high desert night.  A guest was on talk radio, patiently explaining that he was a bigfoot researcher, but more specifically, a bigfoot researcher that had the theory that bigfoot wasn’t a critter, it was, instead, a some sort of alien creation, just like in the UFO magazine from my youth.

But it gets better.

You’d think that the biggest enemy of bigfoot researchers would be skeptics?  No.

The biggest enemy of bigfoot researchers is . . . bigfoot researchers that have a different theory than them.

So, if you’re in the “bigfoot is just an animal that we haven’t found conclusive evidence for yet” camp then your biggest enemy is the “bigfoot is a psychic alien” guy.

And vice versa.

This makes me laugh, inside.  But it’s a truism of life.  When people believe in something, their biggest enemy isn’t someone who doesn’t believe, it’s someone who believes, but just a little bit differently than them, most often over something that doesn’t have any real bearings on the truth of their belief.

I was talking about a particular Christian denomination with a friend.

He asked, “Are they dunkers or splashers?”  Dunkers are those that baptize by immersing the baptized into water, while splashers use a Papal-Approved® Super-Soaker™ to baptize.

I replied, “I have no idea.”

“It’s important, you know.”

And that’s always amused me – the biggest fights are about the smallest things, often with the people that are closest to you in belief.

So I guess that’s the thing that I learned when alien psychic bigfoot held me in its hairy loving arms:  love one another – it’s the only way to get to a true inner and outer peace.  Except for the “bigfoot is just a critter we don’t have proof of” people – don’t love them.  They’re awful.***

To be clear, I do not claim to have seen a real bigfoot.  I also do not claim to have seen a UFO, except the band, UFO, and them only on YouTube®.

*Yes.  Seven is an excessive number of quilts.  It was also quite warm.

**The bedroom was unheated because I turned off the electric baseboard heaters, and, in an escalating war with Ma Wilder, I eventually flipped the breakers off.  Eventually she got the message.  I like/liked it cold.  I even had the windows cracked sometimes when it was below zero.  I was an awful child.

***Just kidding.  I don’t really care.  My current bet is they’re both wrong.

Seven Deadly (Financial) Sins, Together For The FIRST TIME!

“Deserves got nothing to do with it.” – Unforgiven

deserve

Actually not my favorite Clint Eastwood movie.  That would be Outlaw Josey Wales, or ANYTHING he did in the 1970’s.  But I do know my limitations . . . .

When it comes to my life, I’ve made mistakes, like convincing George W. Bush to attack Iraq.  I should have remembered – never get involved in a land war in Asia.  But those mistakes aren’t the ones we’re discussing today.  Today . . . we’re discussing the Seven Deadly Financial Sins, at least after I put on some spooky music to scare you into never sinning.  Oh, I did discuss the Actual Seven Deadly Sins, and you can read that post here (The seven deadly sins and society. How do they fit together?).

We’ll start with the worst sin:

Debt

Is debt a sin or the result of sinning?  I’m not going to sit and argue it – these aren’t really sins you go to Actual Hell for anyway.  You just go to Financial Hell.  So, I’m calling Debt a sin.  And I’m calling it a result of sin.  It’s the “Y” of Sin – sometimes a vowel, sometimes not.

Debt is really, really bad for individuals.

Why?

With debt, you get what you want, now.  Like a brand new Corvette®, or a rare 1621 A.D. PEZ® dispenser originally whittled by Galileo while he was in prison for stealing cable television.   I’m sure that was the best deal I’ve ever made, only had to pay $500 for it!

But now you have the object of your desire.  And you have to pay for it.  That’s not a problem.  You only borrowed $50,000 for the Corvette™, right.  You’ll pay (for a seven year loan) about $680 a month at 4% interest.  Not bad!

But of that, your first payment will contain around $170 in interest, money that you’re paying the bank, every month.  $1,800 in interest in the first year.  The total interest you’d pay in this situation is $7,400 over the life of the loan.

Now let’s say you buy a house for the average price in the country, $200,000.  Your payment on a 30 year loan would be a little more than $1000 for principle and interest, with a whopping $750 of that being interest in the first month.  In the first year?  About $8,800 in interest payments alone.

Sure, you have a house and a car, but you’re paying nearly $1000 a MONTH just to borrow the money in the early parts of the loan.

How much income would be required to fund this?  Your tax rates will vary, but I’ll assume your tax rate leaves you with about 70% of your money after you’ve paid all of your taxes.

$17,000 in pre-tax income would be required . . . just for your interest payments.  Toss in the principle, the taxes and insurance?

$50,000 in pre-tax income to pay for taxes, insurance, and the full payments.  Some people work a whole week and don’t make that much money!

If you make the median family income of $59,000, you have the princely sum of $9,000 before taxes ($6,300 after taxes) a year to buy absolutely everything else in your life.

“Sovereign ingredient for a happy marriage:   Pay cash or do without.  Interest charges not only eat up a household budget; awareness of debt eats up domestic felicity.” – Robert A. Heinlein

Is there a place for debt?  Sure.  Businesses use it to expand.  Families use it to create a reason to divorce.  Or buy a really cool PEZ® dispenser.

The least bad debt?  Mortgage debt.

Worse?  Credit cards.

Worst?  Student loan debt or money you owe to mobsters.  But I repeat myself.

Have I sinned?  Yes, I have.  But that day in January of 2001 when I paid off my last non-mortgage debt except for student loans?

Priceless.  And marriage harmony went up 41.7% that day.

Fear

Had I continually invested all of my spare cash into the market, say in a nice S&P 500 fund?  The cash that’s sitting in the bank, gathering only a little interest?

I’d be retired today.  Smoking nice cigars and drinking good scotch.  With an airplane.  A cheap one, but an airplane.

Dang.

I’ve successfully predicted 11 of the last three recessions.  That may not be the most useful talent I have.  I will note that I at least come by it honestly.  One set of great-great-grandparents decided that they wanted to get out of Germany because they saw the increasing militarism in society and figured that war was coming, so they’d get out before it got bad.

They left Germany in 1880, 34 years before World War I and assimilated the heck out of themselves – one of them was Eisenhower’s grade school teacher – how American was that?

I’ve said before that being right too early is the same as being wrong, but in this case?  I have all of my cash.  And my great-great-grandparents avoided the mess that was post World War I Germany, where, I hear, the Internet was horrible.

Greed

Okay, I did play with some great stocks during the teens.  Several of them doubled within a month of me buying them.  And I kept riding some of them right into the ground.  I turned $20,000 into $40,000 into $5,000.  Which will be a great tax write off, when I finally sell it.  Will someone please cue the sound of a forehead repeatedly hitting a desk?

Waste

In a recent post, I mentioned that the most expensive food is the food you don’t eat.  I’ve done the math:  when we go out to eat at Taco Bell®, we spend around $40.  How much steak does $40 buy?  A lot.  How much steak gets wasted around the Casa Wilder?

Zero.

And we can’t eat steak every day.  I mean we could, but we can’t.  But when we have to throw out food, I feel horrible.  Maybe it was the way that Great Grandma McWilder would talk about how fortunate we were to NOT BE STARVING when I wasn’t finishing lunch.

And Great Grandma McWilder came through the Depression on the “nearly having to eat your shoes” side, so she knew how to put a guilt on you.  And waste was the sin that she preached against daily.  In her house, it if had any use?  She’d save it and use it.  Thankfully she didn’t die in her sleep and eat me (Sleep Deprivation, Health, Zombies, and B-Movies).

That would have been one big waste of an amazing blogger . . . .

Lust

I think the most evil word in the English language is “deserve.”

  • “You deserve a nice car.”
  • “You deserve health care that someone else pays for.”
  • “You deserve that stereo – you work so hard.”

When raising my kids, I wouldn’t allow them to use that word.  When you do, you create a foundation for your desire for an item, which in Actual Sin terms would be Lust.

Needs

Modern life has increased the level of needs that we have in an amazing fashion.  If you look at the following list:

  • Electricity
  • Internet
  • Phone Service
  • Mobile Phones
  • Natural Gas
  • Multiple Cars for a House
  • Cars
  • PEZ®
  • Air Conditioning
  • Netflix©
  • Facebook™
  • Faster Than Light Travel
  • Wireless Keyboards

None of those things were invented before last Thursday.

Okay, they were here last Thursday.  But how many on them didn’t exist before 1990?  Before 1950?  Before 1900?

These things aren’t needs.  They’re nice – some of them amazingly nice.  You can live amazingly well without them, as humanity did forever before 1900.

Reassess your needs** – not only of the services above, but of anything that doesn’t make your life better.  Half the games that are available on the smart phone are designed to sell you or sell something to you.  Either way?  You lose.  Except for Candy Crush®.  That’s just fun*.

*I have never played Candy Crush™.

**If you don’t want to have electricity and your wife disagrees, it would amuse me if you used me as a source.  It would NOT amuse me if she came to my house to complain.

Sloth

I’d write more about this . . . but I’m just not feeling it.

Just kidding.

Don’t ignore your money or financial situation if you’re lazy, like me.  I put in place systems so I wouldn’t forget to pay bills monthly.

It’s a secret, but I’ll tell you because, you know, we’re cool, right?

It’s a calendar.

Pay your bills on time.

Otherwise?

You get what you deserve, which will be penalties, fees, and interest.  You can use deserve in this case.  Because you deserve it.

Sinner.

TEOTWAKI Part III: Get on your bikes and ride!

“I thought I was prepared.  I knew the theory, I . . . reality’s different.” – Interstellar

prep

Heh heh.  During the hurricane we were in, I think we gained weight.

This is part III of a series of life after an Electromagnetic Pulse Takes down much of the electronics that form the systems that allow us to live our lives in the relative luxury we have today . . . part I is here (Civilization, The Iron Triangle, and You) and part II is here (Civilization After an EMP: TEOTWAWKI (Which is not a Hawaiian word)).  As always, comments on inaccuracies are welcome – I’ve learned quite a bit about our systems writing these, and love getting the feedback to make them more realistic.

Okay, back to the story . . . our hero has realized that an EMP has occurred, secured transportation, and is heading home.

THE TOWN HAD BEEN quiet as I had pedaled through.  Not many people are out at 3am, and almost none of them are happy about it.  In a town this size, I bet there wasn’t more than one cop on duty when the power went away.

The wind was at my back, and a pretty stiff one today.  It was okay.  The road was clear of traffic and there’s a stillness when you’re going the same speed as the wind.  It’s odd – you are travelling at 20 miles per hour (same as the wind), but there is not a hint of wind.  It’s also nice, because when you bicycle in cool air, your feet and hands get very cold.  Because you’re going with the wind, you can hear much better than someone just standing outside in the wind – your senses aren’t supernatural, but it certainly feels that way.

South out of town with the north wind at my back, I thought about the trip ahead.  I’d become so used to using either my phone for a map or the GPS that I knew there wasn’t one in the car.  It had been a long time since I’d seen a map in a convenience store.  Heck, it had been a long time since I’d seen a magazine in one.  But the trip ahead was fairly simple – head south and then head east.  That was where home was.

There was one big city between here and home – hundreds of thousands of people.

And that was the danger.  It wasn’t cold.  It wasn’t planes falling from the sky.  It was people.  And there were, probably, about a million between me and home.  The last thing I wanted to do was to go through them, even if I could do it today before things became really chaotic.

My bet was that I could head south and then loop around to the east.  From memory, there weren’t many people at all along that route, and if I could make 120 miles or so, I could turn east.

And it was mostly quiet.

For the most part, all of the little towns I passed through might have a gas station and a small diner, but the route I was on was pretty unpopulated.

About hour two, or forty miles according to the mile markers, I heard a low rumbling off to the east.  I pulled the bike to a stop and looked.  A small, bright orange spot was visible on the horizon, with a thick, black cloud beginning to form above it.

I pulled a water bottle out of my backpack and took a long drink.  Nice thing about the day being cool was the water was cool, too, about 60°F.

I wondered for a second on what could have caused the explosion on the horizon.  I vaguely recalled that there was a crude oil refinery off in that direction.  Yeah, that was probably it.  Refineries are run very efficiently, and lots and lots of automated valves and switches and such allowed them to run with only a few people.  But all of those were electronic.  Looks like something failed.

As I watched, in fairly quick succession I saw two more fireballs.  I straddled my bike and waited.  About a minute and a half later, I heard the twin rumbles from the new explosions.  Fifteen miles?  Twenty?  Certainly far enough that I don’t have to worry about hazardous vapors on this trip.  I put the bottle back in my pack and continued pedaling.  There are things I can fix and things I can’t.  Exploding refineries after an EMP were definitely in the latter category.

Most of the small towns had forgettable names and were so small that I was through them in three or four blocks, and they looked mostly deserted, though I did see smoke from quite a few chimneys.  The strength in this area, at least, is that most of the actual homes (versus the trailer homes) were built back before piped in natural gas, before electricity.  They’d be warm, as long as the inhabitants had wood to burn.  Of course, there’d be house fires as chimneys not used in decades were used by people who’d not used a fireplace or woodstove in as many decades.

At last I came to a big enough city that I’d heard the name before.  It looked to be a mile or so on a side.  I decided it was a city that was big enough that I didn’t want to risk going through it.

I decided to skirt it to the east – it looked like the most of the city was to the west of the road that I was on, so, a quick detour a mile west might be all that I needed to do.

After going a mile east, I turned south again.  A mile later?  I was staring at a dead end, caused by a river.

It was noon.  I had two options.  I could head back to the city, where I was reasonably certain that there was a bridge, or I could head farther east, where, in sparsely populated country like this I might not see another bridge for miles.

I decided to chance the city.  It was small, I told myself, and a lone guy on a bicycle wasn’t much of a threat, right?  Although my legs were getting a bit tired (I hadn’t biked in three years) I felt a surge of adrenaline as I neared the city.  I got up speed.  It turned out this road entered the city right at the bridge.  There were a few people at the bridge, but no physical barriers or any sort of road block.  There were a few shouted questions “Hey, what’s going on out there?” as I went by, but that was all.  I just smiled and waved.

I noticed some of the men were armed, but nobody raised a weapon toward me as I headed away from the town.

I kept on going south without further incident.  I headed east, more or less directly toward home after I’d gone about 120 miles south.  No hypotenuse for me.  Straight south, then straight east.

I turned east in another quiet, small town.  I pedaled with the mild evening wind for about an hour until I came to a small streambed.

It was secluded, three miles since the last house, and there were trees all around the stream.  Good.  I found firewood, plus a small, secluded grassy patch.  I got some small sticks, and piled up some of the sandstone from the creek bed for a fire ring.  I pulled out my knife and turned one stick into a “fuzz stick” – a lot of small, shallow cuts into the stick, leaving the wood together so that it looked like a fuzzy stick when done.  If you don’t have paper – it’s a great way to start a fire since it has so much surface area.  I also gathered handfuls of dried, dead grass (easy to find in February!) and added in some very small sticks.

fuzz_sticks

If you don’t have lots of matches, make each one count.  Spend the time preparing to make the fire before you strike the match.  And I had no idea if I could even make it home in three days.  A big snowstorm might set me back for days, or weeks.  And how many matches did we have at home?  It was time to save them all.

The small fire was nice.  I’m not sure if it was the light or the warmth, but it was pleasant, unlike my butt, which was very sore, and I’m sure I’d feel fire in my legs tomorrow.  As I went to sleep that night in my makeshift tarp-tent, I was completely unaware that this would be my last completely peaceful day until I got home.

### (until next Monday)

The first day after a catastrophe like this is bound to be filled with a tremendous amount of inaction – nobody will know quite what to do.  Everyone will walk by the switch on the wall and flip it, expecting, believing that the light will come on.  We’ve been conditioned for that.  Ultimately, the vast majority of people will believe that things will return to normal, even when it’s clear that they never will.  Nassim Nicholas Taleb talks in his book The Black Swan about how his family talks about what they’ll do when Lebanon returns to normal, which at this point no one thinks will ever happen, even though the Civil War that tore Lebanon apart started in 1975, 43 years ago.  Lebanon had been one of the most advanced countries on earth, but now large areas of the country are considered “no go” for almost anyone with a modicum of sanity.  But people expect that one day . . . it will return to normal.

This is wonderful.  If the lights are going to come back on, slaughtering that neighbor that played the music really loud (Bon Jovi?  Really?) while you were trying to sleep is a bad idea.  If the lights are done?  So is that neighbor.  Scores will be settled, especially if it involves Bon Jovi.

During that first day, people will begin to understand that maybe this catastrophe is different.  Outside of every catastrophe that has hit the United States in history, this one isn’t regional.  90% of the unaffected population won’t be available to turn to for help, which happens today after a hurricane or volcano or Rosie O’Donnell-created earthquake.

A regional incident means that the region is going to be helped.  A national or global event?  You’re on your own.  Every rule changes.  Think you own that second house down by the lake?  I think the family that moved into it might not care.  And neither will the sheriff.

But there is one place where the time delay between civilization and Mad Max® level insanity is thinnest:

Modern cities.

Win a sports title in a modern city and you can be happy if only two people are killed and the arson is limited to a small area near downtown.  The larger the city, the quicker the violence hits, and the more violent it will be.  Google® “Selco” if you want to hear the grim stories from his survival in the cities during the Balkans War in the 1990’s.  And those were cities that had spent years under the Communist® system with people who were used to working around failing systems.  Imagine Baltimore when things go really bad?

Again, in a catastrophe like this – avoid cities and other people at all costs.

I hinted around that there are other infrastructure pieces that will have issues after an EMP.  Refineries, pipelines, and power plants are absolutely dependent upon control systems that pull data from the boiling oil or high pressure natural gas and use it to make decisions. Many times those decisions are made at millisecond speed via computer without any input from a human required.  And without those systems?  At best, the pipelines and refineries and power plants won’t work.  At worst?  Systems that are used for safety won’t work.  Normally, everything is designed to go to a safe state.  But those safe states often rely on there being power, even battery power.  There will be some failures in those safety systems.  If we’re lucky, it just wrecks equipment, and not result in huge fireballs.

Nuclear power plants are a special case (and not in a good way), which we’ll discuss in a future post.

Oh, and the fuzz stick thing?  It works really well.

Civil War, Neat Graphs, and Carrie Fisher’s Leg

“That’s not an argument, that’s just contradiction.” – Monty Python’s Flying Circus

argue

Hmm, I’ll have what he’s having.

Wilder Note:  Normally, Friday posts (for the last 70 or so weeks) have been devoted to health topics.  I figure why not make everyone feel thoughtful right before the weekend, rather than guilty on a Monday for eating a whole cake and two tubs of Betty Crocker® frosting on Saturday night while drinking enough chardonnay to dull the pain from having lost that stupid election to that stupid guy from New York.  Oops, too personal?  Anyway, as the TEOWAWKI series has gone from one post to maybe weeks and weeks of posts (in outline) that I realized I’d put a topic on the back burner that I really want to write about and it really fits the “big ideas” Monday slot that’s now been invaded by the End Of The World, well, Fridays had to give.  So until The End Of The End Of The World As We Know It (TEOTEOWAWKI – top, that Internet!), Friday posts may or may not be related directly to health for the next few months.  This one isn’t.

Here are the links to the TEOWAKI posts (for now):

Now on to Friday’s first Big Ideas post:

I’ve written before about how it seems that our culture is unraveling around us at an increasing rate.  You can see those posts here:

Is there any data to back up these theories?

Yes.

I originally thought that the Pew Research Center primarily did research into the sounds that kids made while using finger guns.   These are sounds like Pew, Pew, Pew, Bang-Bang, and Rat-a-Tat-Tat.  I was informed that finger guns are now illegal because they can be easily concealed and have far too large of an ammunition capacity, needing to be reloaded only when “making a shotgun loading sound” would be cool.

It turns out Pew does research on social and political trends, which is maybe more important than finger gun noises, but far less fun.  And political trends wasn’t even my second theory, which included fart and skunk smell research.  But Pew put together one report titled “The Partisan Divide on Political Values Grows Even Wider (LINK)” that’s especially relevant in describing what’s going on in American life today.  The excellent blog Epsilon Theory (LINK) had a post that referenced the Pew Report, which is how I found it, and it fit perfectly with the posts we’ve been doing about the dissolution of the American political scene, though I think we come to different conclusions on what will ultimately happen.

Imagine how happy I was to see yet more proof of my theory that everything is falling straight apart and that millions of Americans will, within my lifetime, be engaged in bloody civil war!

Let’s start with the big graph.  It tells (broadly) the story.

pewpewpew

1994

In 1994, sure we had differences, but mainly we had more in common than divided us.  Going through the numbers, Democrats and Republicans broadly agreed that illegal immigration was, well, illegal and was a thing to be stopped.  Also about this time, Bill Clinton got punched in the teeth when he lost the House of Representatives by trying to go too far left too fast.

Bill’s response was to take the position of the Republicans and the position of the Democrats and steer between them.  Republican points that were really popular, like making welfare recipients work?  Adopt it.  There was a vast overlap in the center – the overlap between Republican and Democrat is significant.  The results of this policy were also pretty significant – this tension actually restrained government spending for the first time since Andrew Jackson made Congress personally count out every expenditure in piles of nickels on the Senate floor.

I remember being at a political rally for Democrats at around this point in time (1994, not during the Jackson administration).  It was a big rally – Carrie Fisher was there with the Democratic candidate in question.  So was I – with a sign for the Republican opposition.  We didn’t go into the rally, but stood on one side of a driveway while a small group of Democrats stood on the other side.  There were 50 to 100 in either group.  We yelled at each other, each making fun of the other’s candidate, but the yelling was light hearted and humorous.  Everyone had fun.  I think I saw Carrie Fisher’s leg.

At that point in time, there was more extremism on the right than on the left, but even that wasn’t pronounced.  With the defeat of Evil Communism, well, life was good.  Heck, a guy named Francis Fukuyama even said that The End of History was at hand.  Western liberal democracy would be the final form of government in a more peaceful world where capitalism was pretty significant feature.

2004

Not too far past 9/11, Americans had something that kept them unified – war.  It appears that several people skipped reading Fukuyama’s book.   At this point, a feeling of cohesion in support of the wars in Iraq and Afghanistan was still evident, W reluctantly called legitimate.  Americans are actually politically closer than in 1994, but now more extreme leftists than extreme right wing folks.  When Bush beat Kerry?  Meh.  No protests.  No outrage.  Bush personified the center.  But the far left wing was growing.

pewtwo

2017

Democrats have all scampered left.  Far left.  Republicans have moved right certainly, but not nearly as far as the Democrats have moved left.

How bad is it?

pewthree

97% of Democrats are to the left of the median Republican.  95% of Republicans are to the right of the median Democrat.  Yes, there’s still overlap, but rapidly we’re nearing the point where we don’t even recognize the same facts.  Imagine how little regard there is for the opinions of the other side.

And it’s worse with the media.  As a whole, they’ve been leftists since . . . forever.  But now?  Not only do Republicans represent less than 7% of journalists, the places where journalists work and live are in big cities where people wearing Make America Great Again hats are shot on site.  Or they would be if the leftists currently believed in individual, rather than state gun ownership.

The media are ideologically leftists, and live in cities where they might not even see a Republican in a day.  They work in a bubble (leftist journalists) and live in a bubble (leftist cities and often states) and have no conception that people on the right exist.  This explains why, on election night, the media was stunned that Trump won.  They didn’t even try to hide their bias and dismay.  Rachel Maddow alone cried enough tears to create minor flooding in the basement of the broadcast building.

There is simply very little the median Democrat has to say to the median Republican beyond “give me your stuff”, and little the median Republican has to say to the median Democrat other than “no, there aren’t 621 genders and 627 on Saturday night.”  They don’t even speak the same language and in some cases this is literally true.

Part of the shift has come because the composition of American has changed.  First and second generation immigrants are now roughly 25% of voters, a far higher proportion than at any time in history.  And 70% of immigrants are leftist, compared to 18% that tend toward the right.  This makes sense – most immigrants come to the United States from countries that are far to the left of the United States.  I remember listening to the radio where a left-wing journalist was gushing with enthusiasm that a communist (literally and self-described) woman from India had been elected to the Seattle city council.  When you talk about foreign influence on politics, well, the immigrants that are here legally have distorted politics and added to the overall polarization.  This explains why the right has fought back so strongly – they (correctly) sense that the immigration desired by the left will disenfranchise (forever) their entire political ideology.  If Hispanics voted on for the right, Republicans would have put forth the Everybody’s Really An American plan and the Democrats would have put forth a bill to mine the border with giant radioactive scorpions on either side of the 500 foot deep pit.

It also explains why so many Democrats (and Independents) have (quietly) defected to the Republican side.  The party is moving away from them.

And the extreme left turn of the Democrats explains why Alexwhatshername Occasionally-Cortez, who is running on an actual and explicit socialist platform is the future of the Democratic party, not an outlier – this is the type of person that will win primaries as the Democrats float left.  And I think the Republicans will continue to float farther right, which, in time, will make Trump look like a moderate.

cortez

What happens when/if the next leftist gains the White House?

Whiplash on every conceivable policy, but with a side order of vengeance.  And a system like that will produce, rather inevitably, an economic dislocation, a government crackdown.  A step too far.

This will be the spark.

And there will be war.  If the United States weren’t so divided, the war could be external as politicians looked to focus people against the outside to reunify the country.  But for now, we couldn’t even agree on a common enemy.  So our enemy will be . . . us.

But, hey, cake is out of the oven!  Who wants cake?  I even have some spare tubs of frosting . . .

Readers Write: Early Retirement, Health Care, Canada, and Averting A Ben Affleck Marathon

Ricky:  Boys, what is up with me getting shot with three darts, and it didn’t even affect me?  I must be like a superhero or something.

Julian:  Maybe you’ve got so much dope in your system, you’re immune, Rick.

– Trailer Park Boys

DSC00043

See, your health care dollars are being spent on useless signs!  An outrage!

It’s always nice to get feedback about the column in a letter that doesn’t begin with an anatomical impossibility.  I mean, how would my head even have gotten in there in the first place?  And what does my mother have to do with anything?  But, I thought this would be a great chance to take a few excerpts from the letter and mix with other communications I’ve had to revisit the topics of early retirement and health care from last week (Early Retirement: Things to Consider (cough Health Care cough)).

Comments in quotes are from my friend.  Comments in [brackets] are from me.  Comments in purple are a figment of your imagination.  You should talk to someone or cut back on the recreational stuff.

“So, I laughed when I read this post yesterday.  I’ve been spinning off after reading the NY Times article on the FIRE movement and Mr. Money Mustache and others – and wondered if you knew about them… of course you did!”

Yes.  John Wilder knows everything that a mortal man can know, with the exception of how to properly mud and tape drywall.  That’s magician/wizard-level skill.

“Since I’m new to MMM [Mr. Money Mustache – link to him here-JW] and others in the FIRE [Financially Independent, Retiring Early] community I was curious and excited, and then realized that I’ve known versions of people like this since my youth [but] they just seemed like weirdos at my parent’s church who recycled aluminum foil from pot luck dinners, rode tandem bikes to church, the husband hired himself out as a handyman outside his day job, and rode his bike to job site with his old timey tool box, etc.  They seemed cheap, not enlightened, but it looks like they were on to something!”

If you’re going to be rich, a good thing to be is . . . invisibly rich.  No private plane.  No flashy cars.  Just the satisfaction of knowing that you actually own the ’04 Ford™ Taurus© in the driveway of the nice but modest house.  And this avoidance of spectacle also tends to reinforce the concept of not being a slave to your desires or needs for consumer products.  Except for drones – you need a drone – life is not worth living without a drone.

I recall living in Houston and sitting at the stoplight in my three year old Ford® that I got for $12,000 (cash) next to a $180,000 Mercedes® SLWhateverX, and thinking . . . mine is paid for.  I don’t know if theirs was (my bet is that it wasn’t) but I knew that mine was.  And that I got to live with the lack of stress associated with no payments on a car.  I felt this way when I was driving $2000 Chevy™ Lumina©, too.

“While many [Early Retirement folks] got their start in higher paying professions like software engineering or investment banking, and then consciously live on 30-40% or less of their income, it does seem like a movement geared to minimalist millennials with few obligations.  I can live on 60% of my pay without dipping into savings, but much less isn’t possible with obligations of a relatively cheap [Expensive Home Area] mortgage, frequent trips to [Home Area], living in a 65 year old house, and maxing out 401K contributions.”

Yes.  Agreed – at various stages of my life I’ve been down to my last $50 in the checking account – with a pretty hefty negative net worth.  And, yes, obligations cost money.  But almost all of the obligations we take on are (outside of death, child support, alimony, and taxes – but I repeat myself) voluntary servitude.  And it’s okay, as long as you realize that the servitude was entered into . . . voluntarily.  Unless there was tequila involved and she looked pretty after enough of it.  Thankfully, since 2005 or so, I’ve been on the other end of it (wealth, not tequila goggles), but in large part that was due to severing that voluntary servitude, either through paying down debt (student loans) or not getting into debt (new cars).

“[Specific Investment Stuff] Plus, I like what I do and where I live.  [More Specific Investment Stuff].”

This is the most important line in the letter.  If you love what you do, and like where you live, why would you even consider retiring early?  Financial independence is nice, but if you’re gonna keep working because you want to and can save a nice chunk of cash while fully funding a 401K, why bother hurrying it?

“[More Specific Investment Stuff and Personal Stuff] So how to build wealth when you still have obligations and don’t feel confident on putting your money to work in the market, or buying real estate in distant locations, etc.?”

Cash is a long term loser – but it sounds like you’re funding your 401K to nearly the max.  I’m not going to get into specific investment advice on the post (okay, ammunition, PEZ® and panty hose are always winners) but the first part of wealth is reduction in need.  Just like the most expensive food in the fridge is the food you throw out, the biggest wealth destroyer is stuff you don’t ever use.  Like that stupid drone.

And, as for wealth?  [Spoiler Alert] If we don’t fix health care, our financial system will implode (more below).  Oops.  Does that make me a Debbie Downer?  If so, do I have expanded restroom options?

“And then you hit the big nail on the head . . . “

Naturally.

“Health care.  Our system is a mess and many 30-somethings are choosing to go without coverage in order to save more.  That’s not an option at my age either, and I wonder how the FIRE folks living on the extreme cheap lifestyle will cope when they hit their 40’s and beyond as insurance rises beyond affordability.”

He ended with a note that certain countries seemed to like government-run health care.

To be as clear as I can be using the English language:  Like a Bush/Stalin lovechild, our hybridized system of health care combines the worst parts of rent-seeking crony capitalism and nanny-state big government socialism.

Let’s take the parts everyone likes:  Everyone must be treated at an emergency room regardless of ability to pay, government subsidies, and no pre-existing conditions.

Sure, everyone likes this!  Sounds compassionate (with other people’s money)!  Heck, if I were irresponsible, I’d like it, too.

But it sets up the system where emergency rooms are clogged with people with minor conditions because they can get free treatment.  It’s okay.  The people who actually pay bills to the hospitals can pay for them, too, right?  So, they pay for their care and the care of others.  But then they’re taxed so that they can pay for insurance for others.  And if there are no pre-existing conditions on health insurance, heck, don’t sign up until you get really sick or old, thus making insurance for people (like me) who have had it their entire lives amazingly expensive.  But it’s okay, the CIGNA health insurance company went from a high $20’s stock when Obamacare passed to a stock that is worth $200 today, a 600% to 700% increase.  Obamacare really stuck it to insurance companies.

No.  Insurance companies wrote Obamacare.  And don’t get me started on hospitals or prescription drug manufacturers.  While pretending to be a portion of the capitalist system, they really aren’t – they make use of government power to make rules that would be blatantly illegal for any other business.  Imagine a taking your car into the auto mechanic and getting a bill of $500 for a $5 belt.  Or a bill from a consulting mechanic who just walked by and asked if the car was doing okay.  And then drive off with the original problem not solved, and then bill your for your Taurus® giving birth to a Kia™, when everyone knows that a Taurus© identifies as male.

I don’t like socialism, but it appears we’ve socialized the responsibility while making the responsible pay with little to no benefit while corporate profits explode.

How does Canada do it?

In my YouTube® feed a video popped up about Canadian healthcare.  In it, a video pundit named Steven Crowder went to Canada and tried to obtain treatment (with his Canadian friend) for a variety of minor ailments.  No dice.  Hours waiting, and nada.  This is a similar story that I’d heard from others, so I thought I’d ask a friend who is Actually Canadian and eats nothing but back bacon while drinking Molson® and Moosehead™.

She loves their system.  Her mom had cancer, and got prompt treatments.  They even picked her mom up and dropped her off from her chemotherapy sessions.  And I hear if you’ve had a heart attack the system works very well.  And the care is good.

breakingcanada

This explains why the only good television from Canada is Trailer Park Boys.

But my friend also talked through the darker side that Crowder talked about – long waits – months for minor surgery like fixing a bum knee.  A full day to get a prescription for an ear infection.  Every system has a mechanism for rationing.  In a true capitalist system, it’s money.  In a socialist system, it’s something else.  In Canada?  Minor pain and time.  But like a year of minor pain – sort of like being forced to watch nothing but Ben Affleck movies for a solid year.

Are taxes higher?  Sure.  It isn’t a pure socialist system, and I haven’t dug into the darkest side, but socialized medicine eventually (as resources dwindle) becomes a game where resources are rationed more aggressively.  Except for the leaders – they still exempt for themselves the best of everything.

Canada’s system does have a safety valve – you can go to private clinics, too.  And pay cash to avoid the Affleckathon.

All of the above still sucks.  But it’s still better than the thing we have today.

But is there a capitalist solution?  Yeah.

I won’t go through the details, but Karl Denninger (LINK) has put together the “most” free-market alternative to our current system.  It doesn’t do like I would (letting folks die in the street is a big incentive to get insurance and drive costs down, plus it would mean much shorter lines at the checkout at WalMart®) but, would manage to save the financial system of the United States if implemented.  What would we lose?  High profits for insurance companies.  Huge numbers of bureaucrats.  High drug costs.  High insurance costs.

Do you lose exemptions for pre-existing conditions?  Yup.  But if you have insurance and have less than a 60 day lapse, those pre-existing conditions remain covered like they were in 2004.

It’s a good system, and necessary.  Because if we don’t fix healthcare?  It’s not gonna kill us.

It’s going to wreck the entire financial system of the United States, as I write about here (More Budget Doom, The Rolling Stones, an End Date, and an Unlikely Version of Thunderstruck).

So, no biggie.