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

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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.

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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.

Civilization After an EMP: TEOTWAWKI (Which is not a Hawaiian word)

“Look, any longer out on that road and I’m one of them, you know?  A terminal crazy, only I got a bronze badge to say I’m one of the good guys.” – Mad Max

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Before Hurricane Ike:  Looks like lemon cookies, Weight Watchers® and vegetables will be there after the apocalypse.  Also?  The wine section was empty.  No booze left in the entire store. 

This is part II of a story that begins at the start of a catastrophic collapse – you can find the first part here (Civilization, The Iron Triangle, and You).  It begins at 4AM, at the start of a blizzard on the East Coast.  Thankfully, your protagonist isn’t on the East Coast – but he is 252 miles from home, and most of the important electrical devices that he’s used to having are now (and forever more) inoperable.  Back to the hotel room:

I was now wide awake.  Soon my hotel room would be getting cool – thankfully not cold, it was 40°F outside and not colder.  But one thing I knew – it was going to get strange, and soon.

I got dressed and started to pack.  I assessed my belongings, and the things in the room.

Computers, phones, digital watch?  Useless.  I put them on the desk.  That would be as good a place to put useless things.  It’s odd, because before I went to sleep, those items were vital for me in the information they contained and the way I used them for work.  Now they were nothing but dead weight.

Thankfully, I had packed for winter – winter coat, gloves, and boots.  I also had my workout clothes and gym shoes.  I decided to keep them – I tossed them in my backpack.  I kept some paper and a pen and pencil.  Why?  Not sure.  The novel I was reading?  I hated to leave it, halfway finished.  But it was dead weight.

I looked at the room – there were two bottles of complementary water – I could use those.  I left the room, with a single knapsack, half full.  I was headed to Wal-Mart.

Wal-Mart wasn’t exactly chaos – I had apparently gotten up fairly quickly – a few of the more enterprising employees had broken into the candles and matches and there were lights up and down the main aisles.  This was a 24-hour Wal-Mart, which meant that you could buy your Ol’ Roy dog food at 3AM as the stockers replenished the shelves for the next day.

I walked down the aisle towards the toy section, and took a right.  There they were – left over from Christmas.  Bikes.  Rows of them, all in a line – from small pink bikes with pink and glitter tassels up to off road bikes with big, fat tires.

I grabbed one of those – it was on the top shelf and pulled it on down.  I looked for a pull-behind cart, but I guessed that February wasn’t a strong month for pulling babies behind a bike in the Midwest, so I didn’t see one.  I looked at the bike accessories and found a repair kit, a bike bag that strapped to the handlebars, a dozen spare tires, and some of the goop that you can pop into a tire so that it re-seals after a thorn pops through the tube.  Oh, and a small bike pump.  Not much good to have a new tire but can’t inflate it.

I then dropped over into menswear – I grabbed a wool cap and scarf, some winder gloves, and thick wool socks, and then walked to the checkout line.  A single night manager was there.

“Sorry, man,” he said.  “I can’t do any transactions at all right now.”  He waved around the store.  Power’s out.

I laughed.  “Sure, I can see that!  But I have to get this stuff – it’s my boy’s birthday this morning,” I lied,” and my ex will use this against me in court if I forget to get him a present again.”

“Sorry, man, register is dead.  No can do.”  As I got closer I could see he was a younger man, early 20’s.  Probably pretty committed to Wal-Mart.

“Hey, I understand . . . I’ll go and put the stuff back.”  I started to head the other direction back into the darkened aisles of merchandise.

I turned back to face him.  “You know, there is another way.”  I pushed the bike and tossed the rest of the merchandise on the motionless belt.

“All of this stuff has UPC labels on it.  I can just cut them off, and pay you in cash now.  Then, when the registers come back on you can ring it up.”

His expression didn’t seem to be confident that this was a good plan.

“Tell you what – the bike was about $150.”

“$147.89,” he responded.

“Yup.  And all of the rest of this stuff is less than $200, total, right?”

He nodded.

“Cool.  That’s $350.  Here’s $500.  I’ll get you the UPCs from this, and then you can keep the change after you ring it up, and your inventory matches.  We good here?”

We were good.  Thankfully I generally traveled with a few hundred in cash, mainly for emergencies.  I had $100 left as I pushed the bike out of the side door – the one that wasn’t electric.

I walked the bike to my car, which was parked outside of the hotel.  I pressed the “door open” button on the key fob.  Nothing.  Which is what I expected.  I put my actual, physical key into the lock (which I hadn’t done for years with this car) and opened the door.

Just to be sure I tried to start the car – nothing, not a light, not a click.  Nothing.  I tried the headlights – oddly enough they worked, but none of the interior lights came on.  I turned off the headlights.  The trunk was entirely electric, so I had to pull the rear seatbacks down to get into the trunk.  I was plenty dark, but what I was looking for was just one bag.

For several years I’ve kept kits in every car that we own.  Simple stuff.  A compact blanket.  Waterproof matches and a lighter.  A small saw.  Fuel cubes meant for lighting a charcoal grill.  A water-purifying straw.  A tarp, and some concentrated food bricks.  A hatchet.  100 feet of parachute cord.  Two pocket knives.  Some carabiners.  Duct tape.  Stuff for when a day turned bad.

I found it the pack – it was tan and pushed against the seat back, so it was easy to get to.  I hated abandoning the cool socket set and other tools in the trunk, but since they were heavy and I had no way to pull them?  I’d leave them for whoever found them.  I put the bike repair kit, tubes, and pump into the bike bag.

I clipped the backpack from the hotel room to the kit bag, swapped my socks for the brand new wool socks from Wal-Mart, put on the knit hat, scarf and gloves, and started pedaling.

In February, the wind blew mainly from the north.  I was heading south.  I got on my bike, and turned south, skipping the Interstate as I headed through town.  Fifteen minutes later I had cleared the edges of the town, and was headed through open farmland as the Sun began to rise.  I was on my way.

### (for now)

TEOTWAWKI is short for “The End Of The World As We Know It.”  Sure, it’s a song from R.E.M., but it’s also shorthand for groups and individuals for the sudden collapse scenario where the world changes in an instant.  Many of the old rules, if not all of them, disappear very quickly.  And, if we didn’t have electricity, we’d never have to listen to R.E.M. again.  So, it’s got that going for it.

This version of TEOTWAWKI is set quite deliberately in wintertime, at the start of a blizzard on the East Coast.

Why?

Boston-Washington

Photo via wikimedia, CC3.0 By SA, Bill Rankin

20% (roughly) of the population lives there.  Government is seated there.  The financial and trading center of the United States is there.  If that region lost power in winter, in the middle of a blizzard?  At least 50% of the population would die that week, and I would expect the total casualties would be 90% or more within two weeks in that region.  The combination of the cold and chaos and the extreme population density would make most dystopian science fiction novels look positively cheery.  One thing that East Coasters don’t think much about is where the food they eat and the gasoline they use comes from.  Hint:  it’s not New York.

The average person has a couple of days of food in the house.  The average supermarket has three days of inventory.  Beyond that?  Factories, warehouses and logistics are required to keep a continual supply of food on the way to prevent starvation.  Our technically advanced and efficient civilization that allows us our apparent wealth, paradoxically makes us susceptible to nearly instant poverty.  The areas that are the least used to modern conveniences and least reliant on power will be the most resilient.

What about the cars, would they really not work?  That’s hard to say.  Although there has been some testing done (it is summarized in the Report of the Commission to Assess the Threat of Electromagnetic Pulse (EMP) Attack) that would seem to indicate that many cars (80%??) might be unaffected, there is much that is still classified – and I don’t think the classified information says “not a problem.”  I will note that Congressman Roscoe Bartlett, the guy who led the EMP study in Congress now lives off the electric grid in a self-sustaining remote farm.

But, let’s say that 90% of the cars still work.  I chose the opposite for this story, but let’s say that 90% still work.  The cars would be good . . . exactly for as long as they had gasoline in them.  Without electricity, getting gasoline would be pretty difficult.  There’s a general consensus that most cars built before 1984 would work okay, as their electronics were minimal in comparison to today.  And computers and chips would be in trouble.  One declassified document I found in my research noted that computers were at the top of the list of devices that could be destroyed by an electromagnetic pulse.  And cars today are increasingly computer-dependent, but they’re also made of metal and don’t feature long conductors, so, that might help them be more resilient.

Why a bicycle?  Well, that’s the one thing that I could be pretty sure to find at 4AM in any town with a Wal-Mart.  And having cash is nice.  One time I tried to pay with credit card but mine had been cancelled (ID theft).  Having cash was very nice.  Carry some.

But with a bicycle you can cover a LOT of ground in a day – 100 to 150 miles for someone out of shape wouldn’t be out of the question.  If someone rode regularly?  They could easily do double that, especially with the wind at your back.  I did read one book called 77 Days in September – you can get it on Amazon – where the guy walked all the way home from Houston to Montana after an EMP.

I’m pretty sure by day three he would have figured out how to get a bicycle.  You could bike his route in 12 days or so, but I guess that would have killed the snappy title.  It’s not a bad book, but, you know, bikes won’t be hurt by an EMP.  Even many motorcycles might make it through fine, or be made to work with minimal retrofitting.  Maybe that was the point Mad Max was making?

The final point for today’s post:  There is a huge advantage in moving quickly when the rules change.  On multiple occasions in my life I’ve managed to get motel rooms, rental cars, or out of a really bad situation because I realized that things were off the rails and, rather than rage about it, act before the herd did.

In emergencies, being right 15 minutes before everyone else is an amazing advantage, which is why preppers prep.

Looks like this series will take up another Monday or two, at least until our hero can get home.

But what will he find along the way?  What will he find when he gets there?

Early Retirement: Things to Consider (cough Health Care cough)

“But they make wonderful patients:  they have excellent health insurance and they never get better.” – Frasier

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Fairbanks Memorial – they didn’t charge extra for ice.

Although I’ve discussed Early Retirement before here (Frugality, Financial Samurai, Mr. Money Mustache, and Early Retirement Extreme) I thought that it would be good to revisit the topic, primarily because I have a spreadsheet.

What kind of spreadsheet?  A crystal ball spreadsheet, one that predicts the future, all the way until 2081 when the ice sheets have melted and the dinosaurs have returned.  I’ve maintained this spreadsheet since 2014 or so, and it’s been very accurate for predicting my net worth over the course of four years.  I used it to decide (once upon a time) whether or not to quit one job and move to another.  Spoiler:  I didn’t move jobs.

The real reason I didn’t change jobs was fairly simple:  the spreadsheet told me that within three years I would have enough money that if I decided to chuck it all and get a job as say, a school teacher for a few years, I could continue to live the dissolute lifestyle awash in PEZ®, long essays, and regret to which I had become accustomed with no changes.  But there is a faction that sees a more radical idea:  just retire early.  They even have an acronym for it:  FIRE – Financially Independent, Retiring Early.

One of the biggest advocates of that is still Mr. Money Mustache.  MMM as he is affectionately known to his “Mustachians” retired several years ago, and has been blogging about it since.  His blog is exceptionally popular (LINK).  One secret of MMM is that he, by choice, has created a lifestyle of voluntary low-spending, i.e., he’s cheap.  By cheap?  His family has only one car, which they rarely use.  Mainly he uses a bicycle to go where he needs to go.

This is a fascinating idea.  You gain financial independence not by having the biggest pile of cash, but by having the smallest pile of needs.

For example:

I have a stack of books that is literally over 12 feet (143 meters) tall of books that I’m planning to read.  They’re stacked up by my bedside.  They’re stacked up on a bookcase near the bathroom.  They’re stacked up on my dresser.  And I get several new ones every month to replace the ones I finish reading.  And this doesn’t account for my library, which houses a collection of thousands of titles on every subject from tanning a hide to hiding a tan.  When we moved from Alaska to Texas, the movers set a company record for number of boxes packed in one day AND amount of weight packed in one day.  Reason?  Books.

Mr. Money Mustache would (probably) say:  “Why are you spending money on books?  There’s a library not two miles from your house that has a decent collection, and if they don’t have the book you want they can get it through interlibrary loan.  You could even get your fat butt on your bike and go down there to get a book and lose some weight in the process.”

He’s just that kind of party-pooper, but that would also impact my love of gadgets and gizmos that, ultimately, aren’t worth the time and money that I spend on them . . . except the drone, which is really, really cool.  Everyone needs a drone, right?

But let’s look at the major categories of spending and consider them through the soup-stained Mustachian paradigm.  Each of these topics could be a blog post by itself (and some have) but we’ll skim them today:

Mortgage: 

Don’t have one.  You probably have more house than you need, which causes you to spend more on heating and cooling than you would need to if you had a house of human proportion.  Pay it off so you’re not paying interest to a bank and can keep the money yourself.  But you still have to pay taxes and I’d still suggest you have insurance on the place, since it protects you in several different ways, especially from certain lawsuits that could dig deeply into your cash.

Home Location: 

Why live in an area that causes you to have to spend a lot of money?  Why live in an area (if you’re still working) that causes you to drive lots of miles to a job, which eats up both money in commuting cost and your life in drive time?  I know!  Location!

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This was an awesome location.  Wonder why we sold it?  Oh, yeah, piles of money.

Cell Phones: 

Why have a big data “full everything” when you can have a phone that costs less than $40 a month that gives you some data as well as more talking than anyone actually does on a cell phone?  And the need for the newest iPhone©?  Probably not so much.

Satellite/Cable Television: 

We have satellite television, along with a DVR box that records television shows so we don’t have to spend time watching them.  But let’s look at television . . . do we need a subscription to DirecTV® and Netflix™?  The number of things that I watch on satellite is dwindling – Silicon Valley™, Game of Thrones©, Better Call Saul™, The Last Ship®, sure I watch those when they’re on.  But most of the year, they’re not on.  And I can get most things on Netflix™ or Amazon®.  Do I even need satellite or cable anymore?

Landline: 

When I was a kid and the phone rang, I’d jump off the couch, and run to the receiver to pick it up.  It was an event!  Now, in a day where communication follows you to every crevice of your life, when the phone rings, we rarely even pick it up unless the phone announces that it’s Grandma.  Wondering why we even have one . . . oh, yeah.  Grandma.  And the phone is free with the Internet.

Food: 

Food is big business.  And an even bigger scandal.  How much food do we buy that we end up never eating?  Since we have teenage boys in the house, the answer is “very little.”  It’s been my saying (for forever) that the most expensive food that you buy is food that you don’t eat.

The second-most expensive?  Restaurant food, especially fast food.  I can buy three pounds of delicious ribeye steak for about $30.  Dinner for our family at Taco Bell™ (remember that we have teenagers) costs about $40.  Full disclosure, I account for a chunk of that $40 myself, but steak is so much better than a Nachos Bell Grande®.  And I can buy six pounds of ribeye for $60.  And we can eat for several meals on that, versus one trip to a nice restaurant, which would cost about $120-$180, including tip.  I maintain that I can eat better food more cheaply if I prepare it at home myself.  And by myself, I mean (except for grilling) The Mrs.  And as for high-priced Internet meal kits?  Wal-Mart® is our meal kit.

Cars:  

Mr. Money Mustache suggests having one or zero of these.  And he has a huge financial point.  Cars depreciate, so they’re crappy investments.  Cars require taxes and licensing and insurance cost annually, so even if you own one, keeping it around so you can drive it costs you annually.  And my family has an “N+1” philosophy about cars, where “N” is the number of licensed drivers.  Why?  We drive used cars, and they need maintenance at a higher rate than brand-new cars.  So we have a spare.  If we were retired?  One car would probably be enough (assuming we didn’t have the teenage boys in the house).  And, yes, a car is required for the rural area that we live in – you really couldn’t bike your  ten year old kid to a wrestling tournament (in winter) that’s 100 miles away . . . so we’d need at least one car.

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I’m hoping this one is paid for.

Home Maintenance:

If you own a home, something will break.  At my house, that seems to happen weekly, and it’s more than me having my 19th nervous breakdown.  Some things get fixed when I get around to it, like when one Wilder child broke the bannister.  It sounds like I’m blaming the kid, but I’m really not – if the bannister had been put together correctly in the first place (or fixed better than I did when last I fixed it) then it wouldn’t have broken in the first place.  This bannister got broken, oh, six years ago.  It still swings loosely.  I’ve never even been close to being motivated enough to fix it.  But when the air conditioner pan rusted out and started leaking condensed water onto the bathroom carpet?  Yeah.  Fixed in 12 hours.

And I estimate that immediate repairs (not fixing the place up) that are required to make the place habitable are probably about 1% of the home value each year.  If you’re handy and can do it yourself?  So much the better.  When the hot tub “brain board” fried?  I consulted with a hot tub repair guy and swapped it out myself – saving about $200 in the process.  When the flame rollout sensor on the furnace went out in winter?

I paid to have that done, since the consequences of screwing that up involved mortality via explosion or asphyxiation if I screwed it up.  $25 part, $50 in labor, and fixed that afternoon.  My rule is:  if it doesn’t require real expertise and can’t kill anyone?  Sure, I’ll try that.  I’ve saved thousands by doing that – but I think (after putting two complete roofs on and fixing two others), I’m done roofing.  Enough roofing.

Medical Insurance:

Medical insurance is the biggest variable to deal with for anyone attempting to retire early.  I will say this gently:  the health care system in the United States is the most unholy mixture of the worst parts of socialism and near-monopoly capitalism on the planet Earth, and that’s the planet that has the Department of Motor Vehicles AND school cafeteria lunches.  How is it messed up?  On the socialist side:  A hospital is forced to treat anyone who shows up.  Anyone.  By definition, if you don’t have any money, all the hospital can do is send you bills and not take the money you don’t have.  So, your incentive?  To go to the emergency room whenever you get a sniffle, so everybody who has insurance can pay for you.

On the evil capitalist side?  Hospitals don’t have to let you know what they’re billing you, or why.  Your ability to even remotely influence your bill is nearly zero.  From Karl Denninger’s post on how to fix healthcare – emphasis in original (LINK):  “. . .  the practice of charging someone $100,000 for scorpion antivenom in Arizona when the same drug from the same company is $200 for the same quantity 40 miles to the south and across the Mexican border.”  Denninger’s post has a list of similar issues – and common sense solutions that we’ll never undertake.  Why?  Look at the stock prices of the drug companies and the insurance companies.  Who would want to mess that party up?

MMM discusses his vexation with insurance in a pretty good post here (LINK).  Since I’m working at a job and have crappy insurance from them, I’ve not scouted the market too much – but my last look at the market mirrors MMM’s.  But in addition to the horrible composition

But up until you are ready for Medicare (and until your spouse is, too, which is a consideration for me, having married a younger – but still legal in most states! – woman) you’ll have this risk.  Medical insurance costs are estimated to rise between 15% and 30% next year.  And 7% thereafter.  Said simply, medical costs can’t continue to increase at that rate.  And when something can’t continue?  It won’t.  The system will break.  Insurance companies will go bankrupt, as every body . . . walks away.  When people can’t pay for insurance, they won’t.

But if you’re retired, have insurance while you can until the system breaks.  After that?  The rules will change again.  This will happen even if you are working.

So what does it all mean?

Retiring early has risks, but, so does life.  One thing I’ve seen is we certainly don’t know what’s around the corner.  If you could retire early and found out later you had a terminal disease, wouldn’t it be great if you retired early?  No.  You’d still be dead.  Seriously.  Dead is dead.

Retire early only if you don’t find what you’re doing fun.  If you’re having a blast at work and it has meaning to you, keep doing it until you die.  Why retire from a dream job?

I mean, who else would watch Johnny Depp’s finances for him?  By the way, what’s the best way to clean the money after having a money bath?

Asking for a friend.

Civilization, The Iron Triangle, and You

This is Part I, click here for Part II.

“Get her?  That was your plan, Ray?  Get her?” – Ghostbusters (1984)

DSC04204

Texans have a plan for hurricanes – and they’re pretty sure they haven’t seen any little ole storm that can beat them.

This is part one of a multipart series.  The rest of them are here:  (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 HordeTEOTWAWKI Part V: Camaro and Camo,  TEOTWAWKI Part VI: The Rules Change, The Center Cannot HoldTEOTWAWKI Part VII: Laws of Survival, Mad Dogs, The Most Interesting Man in the World and TEOTWAWKI Part VIII: Barricades, Tough Decisions, and Tony Montana),  TEOTWAWKI Part IX: Home at Last, and the Battle of the Silo and TEOTWAWKI Part X: Gump, Wheat, and Chill: Now With 100% Less Netflix,and Last TEOTWAWKI – The Battle for Yona, Final Thoughts on EMP, How To Power Your Car With Smoke

I was at the hotel when it happened.  There wasn’t any noise, really.

It was night, in February.  Although a near-record blizzard was hitting the Northeast (it was called “SNOWPOCALYPSE II” in the New York Post), where I was in the Midwest was unusually warm – the night temperatures were forecast to be above 40F for the next week, not bad when the usual low for this time of year was 20F.

What woke me wasn’t a sound – it was, rather the opposite of a sound – a sudden silence.  The radio I had on in the hotel room (it helps me sleep) was off.  And I mean it was off – no power at all to the LED display.

The pale pinkish-yellow sodium vapor light from the parking lot poles was never really stopped by the blackout curtains of the hotel – it always crept around the corners and through the cracks.

It was gone, too.

The heater to the room was silent.

I looked at my wristwatch.  It had a button to illuminate the display.  I pressed it.

Nothing.

A blackout would explain losing the radio, losing the parking lot lights.  It wouldn’t explain the watch.

I picked up my cell phone, and pressed the button on the side to wake it up.

Nothing.

A blackout wouldn’t kill the batteries.

I wasn’t groggy anymore.  I guessed looking at the moon that it was about 4AM.  At this time of year, it would be about four hours before full sunrise.

I had been travelling for business and was a 252 miles from home.  I got dressed and opened up the window.  The interstate was dark – no lights.  The town that I was staying at – big enough for a Marriott™ because it was on the interstate – was dark.

It wouldn’t be long before dozens of people woke up.  And it wouldn’t be long until a few people came to the same conclusion that I had come to:  the electronics were gone – all of them.  Power wouldn’t be back on soon, if ever.

I had to get home before it started to get bad.  And that would be soon.  But how?  Well, the beginning of a plan was already starting to form in my head.

### (for now)

Honestly, I think that greatest probability collapse of America will come by degrees – more of an erosion than an earthquake.  I think of this slow collapse like Hemingway described how bankruptcy happens in The Sun Also Rises: “Two ways – gradually and then suddenly.”

“Gradually” is the world falling slowly into some sort of Blade Runner®-esque existence.  The decay is evident even now as “poop in the streets” has become a new normal in big cities, which occurs here in flyover country only during the Fourth of July parade as the horses (who are last in the parade for a reason) come through.  Then the streets are cleaned.  And then we don’t have poop in them.  I could keep going – lowered life expectancy, lowering IQ, but I’ll stop for now.

This post isn’t about gradually, this post is about “Suddenly.”

There exists, for the first time in history, the ability and civilizational structure to destroy civilization all at once.  Sure, we’ve had nuclear bombs since 1945 hanging over our heads, but we’ve upped the ante – we’ve created a civilization that is more prone to catastrophic failure than any in the past.  Gary North (you can find his free articles here LINK), a prominent warning voice about the Year 2000 (Y2K) problem wrote many articles in which he pointed out the vulnerabilities associated with modern society.  He called the three prerequisites for maintaining our current civilization the Iron Triangle.  North defined the three legs of the triangle as electricity, telecommunications, and power:

Electricity

Electricity is first because it’s the most important.  Lose it?  It’s over.

Without electricity modern society is impossible.  From traffic lights to grocery stores, everything would just . . . stop.  No refrigeration.  No gasoline.  No air conditioning.  No cash registers.  No cell recharging.  No blinking inflatable Snoopy® in your yard at Christmas.

And as we saw in Japan after the earthquake, a nuclear power station needs power constantly to keep the nuclear-radiation stuff on the inside, and not on the outside.  And I’ve heard rumors that even starting a power generating station requires . . . power.  Hopefully the wind is blowing the electric windmills that day we lose power.

There are numerous countries on the planet that could lose power for weeks or months at a time with little to no change in lifestyle – these countries lose power for days at a time now, and have learned to cope.  Most developed countries would see anarchy within three days if the system went down.  In Chicago?  Even power isn’t enough to stop anarchy now.

But one requirement is that this power outage is not just a local phenomenon – if Switzerland lost power, well, who would notice?  But if people decided that they wanted the Swiss chocolates and the Swiss army knives and the Swiss hot cocoa, well, they’d pitch in and help Switzerland.  There exists a reserve capacity outside of Switzerland that’s big enough and well supplied enough that they could help the Swiss.

Likewise, when a hurricane hits Texas, well, I guess that’s a bad example because the Texans don’t need any of our damn help.

Loss of power to the entire continental United States?  Who could help us?  Most resources that could help would be an ocean away, assuming that they’re unaffected.  The happy projection if electricity was lost in the United States?  Half the population dead in a year.  The less-than-rosy projection (from a United States Congressional study) has 90% of the US population gone in a year.  And not “moved to Cleveland” gone.

What could possibly take the power down all over the United States?  Really, there’s just one candidate: an electromagnetic pulse (EMP).

What is an EMP?  It’s like the Sun was rubbing its feet on the carpet, and then put its finger near you and gave you such a shock.  Except instead of a shock, it shoots charged particles at the Earth making pretty auroras.  And charges up the electrical infrastructure so much that the tiny electrical circuits in your smart watch, or car, or computer, or electrical power plant short out and become as useful as Play-Doh® after you left the lid off for three days.

Has this happened before?  Certainly.  The solar storm of 1859 was significant enough that it charged up the atmosphere enough that communication via telegraph wasn’t possible for a few hours – some telegraph operators reported being shocked by their telegraph lines.

Not a big deal, right?  No, not in 1859.  But a much smaller solar flare in 1989 took out all of the power in Quebec (part of America’s hat, Canada).  And if a solar flare similar in size to the 1859 flare happened today, it’s estimated that it would cost at least $2 trillion dollars (more than Johnny Depp spends on wine in an average month) to fix the damage in the United States alone.  Oh, and if you’re on satellite television, well, those would be gone due to the solar flare, too.

Another way to get a similar amount of damage is to explode a nuclear bomb above the United States.  This bomb wouldn’t cause any explosive damage – it would unleash x-rays, but rather than just bathing in the healthful x-ray light, the x-rays would smash into atoms in the atmosphere and cause a cascade of electrical energy.

You and I might not even notice this cascading energy, but, again, the tiny circuits in your local power plant (depending upon the size of the pulse) might be fried.

Oops.

No power.

Telecommunications

Every transaction you do depends upon some form of communication – often via satellite, but also through the internet.  In a small example of how this communication is important, I witnessed a series of gasoline pumps going offline.  Across the nation.  These gas pumps were primarily located at small Mom and Pop convenience stores.  The stores were open, but if you showed up at the pump?  The pump just didn’t work.  The reason was fairly simple – the home base in the transaction, the company that provided the interface between the fuel pump and the payment systems, had gone bankrupt.  Shut the doors down.  The gas was there.  The credit card company was there.  The electricity was there.  But the last leg of the transaction – the communication link to bring it all together, pay the taxes, and order more gasoline – had ceased to exist.

And it’s not just convenience store fuel transactions.

The inventory management of stores like Wal-Mart® is highly efficient, as in it is highly mechanized.  If Wal-Mart® lost their ability to computer-manage their inventory?  They’d have no way to figure out how to move products to their warehouse, let alone deliver them to a Wal-Mart™.

In a real-life example, Maersk® shipping, which accounts for about 20% of the volume of containers shipped worldwide, had their computer system infiltrated.  Essentially their entire shipping information system became encrypted on their servers.  This resulted in them losing over $300,000,000 in a ten day period, as chaos occurred at computer-managed dock after computer-managed dock.  They were saved because a backup of the system wasn’t updated since the Internet was down in Africa when they normally synced the systems.  Folks from Europe flew down to Africa, took the computer back to Europe, and used its information as the seed to reboot 4,000 servers and 45,000 PCs in a 10 day period.

Costly?  Sure.  But this was likely just collateral fallout of stuff going on between Ukraine and Russia.  This points out that the systems that we have created for inventory management and logistics required to run civilization have the potential to fail.  Something actually targeted at telecommunications for these systems . . . could have been devastating.

What would it cost to lose the Internet for a day?

What if it went down for a year?

Banking

When I was a kid, it was still possible to go to a store while the register was broken and get a clerk to do the math on what was owed and take your check or cash.  Now?  I’m not sure that most retail employees are up to the math (who even does math anymore?) let alone trying to figure out how to do a transaction without the Internet.  And who, besides me, even carries cash anymore?

Banking is a system that exists only so long as we believe in it.  Banks are allowed (by law) to lend out all of the money in the bank except for 11% or so.  Thus they have a “fractional” reserve of cash, and they’re a fractional reserve bank.

If you have $100 that you put in the bank, chances are very good that they loaned out all but $11 of your money.  The other $89 is out earning them interest.  If you want your money, you can go back and get it, since the bank has the $11 from everybody else.  If everybody wants their money back at the same time?  Problem!  In actuality people will get paid, because each bank lends a bit of money to the Federal Reserve bank that they can draw on in emergencies such as a bank run.  That’s really the big idea behind the Fed, to stop a systematic failure of all of the banks like happened in the 1930’s during the Great Depression.

But in 2008-09, it nearly happened again.  Banking systems were shutting down.  The Federal Reserve and the Treasury pumped the system so full of cash to prevent a complete shutdown of the financial system as we know it.  Did it work?  Sure.  But Interest rates are at near record lows a decade after this intervention.

Are there other risks to the banking system?  Certainly.  And if it doesn’t work?  The bright side (such that it is) is a dictator could and would seize control and force the system to work for a while without banking, but the loss would be our freedom and the civilization that we now know, along with millions dead from the sudden inefficiencies in the system.

Why?

Why have we put ourselves at risk to the Iron Triangle?  Because the efficiency that it brings has made society freer and wealthier that it could be without the Iron Triangle.  The Iron Triangle squeezes efficiency out of the system, but an efficient system is a fragile one; one prone to failure.  If you think of all of the systems that you have double of (like lungs) it’s not a bad design, it’s that having a spare lung or kidney increases your chances of living longer.  Or, failing that, you could trade your kidney to your bank to pay off your loan . . .

So, next Monday I’ll pick up where we were back at the Hotel.

I really do have a plan.

Health and Journalism . . . But You Already Know the Answers

“Listen to what I’m telling you. You go find a doctor. Get me Dr. Kildare. Get me Dr. Livingston. Get me Dr. Frankenstein. Just get me a doctor! Go where the – go where the doctors hang out.” – The Cannonball Run

burt

Eastbound and down . . . .

This week there were some amazing health care headlines:

  • Four Year Old Nearly Dies After Trying On Shoes Without Socks
  • Kratom Tea Left Teen with Brain Damage
  • Fran Drescher talks about Cannabis
  • Vanilla Ice Trapped on Quarantine Plane
  • New Miracle Cigar and Brandy Diet Found in Winston Churchill’s Notes

Sadly, I only made up one of those headlines.  I’ll leave it to you to guess which one.

But that’s the problem with health news nowadays:  much of it (if not all) is either poorly understood by the journalist, completely useless to the average reader, only news because a celebrity says it, or versions “cat chases dog” – stories of medical occurrences so rare that winning the lottery is more likely than your kid putting a shoe on without a sock and getting sepsis.  Humanity, for most of its existence, didn’t even have crude footwear like Roman sandals, but rather had to make due with inferior shoes like Nikes®.

Most popular news on health could be put in People© magazine or a comic book (but I repeat myself) and it would carry the same sort of impact.  I could even sit and conjure headlines that you’ll be seeing in the next year with what they won’t tell you in parenthesis:

  • Cancer Cure Shows Great Promise (In Curing Rats)
  • New Diet Pill Reduces Weight by 30% (But Will Turn Your Heart Into Jell-O® Pudding)
  • Sleeping Important For Health (Buy Your Boss Still Gets Mad When You Do It At Your Desk)
  • Eggs Now Good For You (Because Cholesterol in Eggs Isn’t What’s in Your Veins)
  • Mother Upset Because Child Got Really Sick Because of Illness Caught on a Beach (That 10,000,000 Other Kids Didn’t Get)
  • Some Game of Thrones® Actress Lost 50 Pounds (Due to Bulimia)

I know that health journalists like these kinds of stories because they have to write 16 stories a week or they’ll be replaced by JOURNOTRON 2000™.  JOURNOTRON 2000™ only consumes half the coffee that the journalist does, and only asks for increased wages once every year, rather than whine about it weekly.  And, what says “Pulitzer Prize©” like being the guy who figures out that Vanilla Ice was stuck on a quarantined plane with a bunch of virus-laden foreigners?  That’s hard-hitting health news that people NEED to see.

But why do people like to read the stories of how new Princess Whatsername® has had warts burned off her forehead since getting married to Prince Gingerhair?  Or how that maybe if they only ate skinless Pacific salmon that they could lose weight and have fewer forehead warts?

Health is funny.  People like to hide from their health.  Heck, people like to hide from the truth.

The truth about health is stunningly simple.

  1. Get exercise. Lift weights.
  2. Don’t eat too much, especially sugar. ESPECIALLY high fructose corn syrup.
  3. Butter is awesome.
  4. Don’t drink too much. Just enough to be happy, not enough so that drinking makes you miserable.   “A pleasure too often becomes a punishment.”
  5. If you weigh too much, eat less.
  6. You probably shouldn’t smoke cigarettes. Cigars are much better for you.
  7. Get enough sleep so you feel happy when the alarm goes off.
  8. Have a job that’s good enough so you feel happy when the alarm goes off.
  9. Deal with your family in such a way that you feel happy when the alarm goes off.
  10. Have a goal so you want to get out of bed when the alarm goes off.
  11. Be significant. In some way.  Build on that.
  12. Be important to someone. Build on that.
  13. Belong somewhere. Build on that.
  14. Don’t spend so that finances are a stress on your life.
  15. Remember to buy yourself something stupid that makes you happy once in a while. (Not too often.)
  16. Build a small, elite fighting training center in Southeast Asia and create about 1000 henchmen. Brainwash them into undying loyalty – I mean these guys should jump in front of a bullet to save your life.  You’ll need them when you take over Bangladesh.  Not that I could figure out why you’d want to take over Bangladesh . . .
  17. Set your expectations low so that what you expect doesn’t make you mad and disappointed every day.
  18. Set your expectations high so that you can achieve more than you ever thought you could.
  19. Understand that the last two points disagree. Deal with it.  You have to get by that or you can’t do anything.
  20. Vitamins are good, probably. If you have money and can buy them, research them and buy a few.  If you can’t, buy cheap ones like vitamin C.  It can’t hurt you and might help.   I’ll probably do another vitamin post in the near future.
  21. Almost anything can be a weapon. If you’re in an unexpected fight, fight for your life.  Be aware of your situation.  Practice something that gives you an edge in self-defense.  Practice it regularly.
  22. Don’t get strung out about the normal risks of life. There are 13,000 or so middle schools (grades 6, 7, and 8) in the United States.  So, there are about 60,000 total coaches.  30,000 of them lost this week.  They deal with that.  You should, too.  You won’t win every game.  Some of your risks won’t pay out.
  23. You can choose to be a victim or not. Make a decision.  Choice is yours.  But if you leave yourself in a position to be a victim?  Remember, you chose it.

But, strangely, these twenty-three points don’t make headlines.  Why?  I didn’t have to tell them to you.  You knew them already.

So do them.

Or don’t.  But don’t tell me you don’t know them.  You know, every morning, if you’re doing them or not.

Does anyone have a good contact in Southeast Asia for a henchmen training service?

Asking for a friend.

The Silurian Hypothesis, or, I’ve Got Lizards in Low Places

“As the 21st century began, human evolution was at a turning point.  Natural selection, the process by which the strongest, the smartest, the fastest, reproduced in greater numbers than the rest, a process which had once favored the noblest traits of man, now began to favor different traits.  Most science fiction of the day predicted a future that was more civilized and more intelligent.  But as time went on, things seemed to be heading in the opposite direction.  A dumbing down.  How did this happen?  Evolution does not necessarily reward intelligence.  With no natural predators to thin the herd, it began to simply reward those who reproduced the most, and left the intelligent to become an endangered species.” – Idiocracy

gornvkirk

SUNDAY! SUNDAY! SUNDAY!  The Iowa Assassin versus the Green Skinned Lizard Killer from Zontar-A.  Let the match begin!  Your ticket gives you the full chair, but you’ll only need the edge of your seat!

The Silurian Hypothesis is a simple one:  humans may not be the first intelligent inhabitants of Earth.  Dr. Adam Frank, astrophysicist at the University of Rochester and Dr. Gavin Schmidt, director of the NASA® (pronounced NAY-Saw) Goddard Institute, a division of Tesla® framed and named this discussion formally.  Put simply, the idea is that there might have been another civilization on Earth before people.  Like way before people – little to none of the current surface of the Earth is older than about four million years old, so the only organism alive today that might have seen the world before that time is your Mom.  Because she’s old.

It really can’t be said that Frank and Schmidt came up with the idea, because they named it after a Dr.  Who™ episode where lizard people from the Silurian age showed up in 1974 Great Britain because they overslept their suspended animation alarm clock.  Spoiler alert (for a 48 year old television series) humanity killed all the lizard people.

And Dr. Who did feel kinda guilty about committing genocide against an entire race, at least until the next episode where he had to fight the Scantily Clad Women of Zetar 9 armed only with tanning lotion and Piña Coladas.

gorn with the wing

But if there had been a civilization that existed before present time, back in the deep history of Earth, how, exactly would you even find it?  The Earth’s surface turns over on a regular basis – one article I read said that no part of the Earth’s surface is older than about 4 million years.  What Frank and Schmidt wrote a paper about wasn’t about the speculation if there had been intelligent life before humanity since that question has been out for at least 100 years.  No, their paper was what evidence might exist that we could use to determine if there had been an ancient, intelligent, pre-human civilization.

And it turns out it’s not very easy to determine if an intelligent species might have lived on the Earth long ago.  Four million years is a long time, but the dinosaurs went extinct 65 million years ago, and managed to be the dominant lifeform on Earth for 165 million years before that.  The age of the dinosaurs began almost a quarter of a billion years ago.  Again, not as old as your Mom, but still a very long time ago.

And that’s the point.  Four million years is a very, very long time.  When I start to think about human artifacts that would last that long the first thing that comes to mind is bricks, pottery, and glass.  But, again, 4 million years ago is a very, very long time.

Even farther back, there was a great inland sea over the middle part of the United States.  And then formation of the Rocky Mountains, at 55 million to 80 million years ago.  That amount of time doesn’t even take us halfway back to the start of the dinosaurs, which were by any measure the most successful land lifeform ever, even before being reincarnated in the toy box and imagination of every 7 year old boy.

jurassic

Here’s the Jurassic world, thankfully with 100% less movie. 

So was there enough time for an intelligent civilization to form?  Sure.

But civilization doesn’t mean sophisticated, and it doesn’t mean technological.  Just like there are ranges of steak (from Awesome to Super Awesome) there are ranges of civilization, from hunter gatherers at the low end, all the way up to super-galactic alien empire at the high end.

Challenges of a civilization:

  • Brain Complexity – This is the big Kahuna, the large cheese. Without enough complexity in the brain, the behaviors required to create a civilization simply are not there.  Birds flock based on instinct, but true civilization requires more than instinct – it requires the ability to create technology and worth together in conscious, novel ways.  Based on the human evolution timeline, it looks like this level of evolutionary change requires about 4 million years, a number we’ve already talked about today.  Coincidence?
  • Available Energy – We can have the smartest beings that have ever lived on the planet, but if they don’t have sufficient available energy in the form of fossil fuels or fission, the highest level of technology that they will be able to reach is approximated by the Roman Empire. And, yes, the Roman Empire had some pretty cool tech – they could drink cold beer in an air-conditioned house.  But space flight, electronic computers, plastics, and streaming Netflix™ movies were quite beyond them.  Was there oil available to kick start this hypothetical past civilization?    Oil has been formed throughout time, and, yeah, if our hypothetical civilization went looking, they might have found it.
  • Environment – My initial thought had been that the climate needed to be stable enough for an intelligence to form. But is that right?  I don’t think so.  Based on the one and only case of intelligent life we know of (us, silly), I’ve changed that opinion.  Human evolution leading to intelligence has taken place during a period of significant climactic instability.  Is it possible that the ice ages didn’t inhibit human civilization, but in fact were the reason for humans developing intelligence?  Is there a similar stress during the time of the dinosaurs?  Yes!  You can see at least one stressful climate event.  Yay, climate change!

climate

See the “ice age” 150 million years ago? 

It’s been suggested that there were several candidate species of dinosaurs that were developing along the lines of an intelligent species – they walked on two legs, they had thumbs, had a fairly large brain, and were called Troodon (which is an amazingly lame dinosaur name).  Dale Russell was the scientist who discovered Troodon, and pretty quickly asked the question (after a few shots of tequila), “Hey, how close was this thing to becoming sentient?”

dinosauroid

Here is a sculpture of Troodon (in the back) and a hypothetical evolutionary ancestor, the Dinodude.

It had a big brain for a dinosaur, and, given a few million years, the kind of time it took for humans to evolve from some sort of pinheaded monstrosity that could barely discern red wine from white to statuesque blonde girls with beer at Oktoberfest.  A more in depth look at Russell’s story can be found here (LINK).

oktoberfest

Still far cuter than an Australopithecus afarensis, even if you shaved it.

So, if this precursor intelligence existed (a big if) why haven’t we found them?

The biggest reason is that, based on the paleoclimate graph above, my bet is that they would have existed 150 million years ago.  From a civilization that spends a collective 4 billion hours each year looking for car keys, I’m not really hopeful that we’d find an entire lost civilization that existed before iPhones®.  Let’s face it – dinosaurs were everywhere for 165 million years, and what do we have to show for it?  A few, (very few) bones, some bugs in amber, and all of the plastic straws that the dinosaurs left everywhere.

Gorn Flakes

Okay, seriously, what would we be looking for?  A greasy ash layer?  DinoDirecTV® satellites in geosynchronous orbit?

Well, sorry, that satellite idea won’t work.  Even a geosynchronous satellite (one that orbits at exactly the same speed that Earth rotates at) decays over time as itty-bitty space dust hits it.  And if you’ve got a few million years to spare?  Not a problem, the satellite will spiral down into a fiery death over some ancient ocean.

gorn eharm

A greasy ash layer?  Well, despite McDonald’s hamburgers being impervious to time, ash happens all over the place for tons of reasons.  But what if warring dinodudes decided to have a nice, cozy nuclear war?  What would you see?  Well, lots of uranium in the sediment.  None of the other byproducts would have lasted this long, but the uranium 235 has a half-life of 700 million years, so it would have.   So, I did a Google® search for “uranium deposit sedimentary Jurassic” and it turns out that that lots and lots of uranium exists in sedimentary rocks, especially in Colorado and in Thailand.

Proof of a past nuclear war?  Probably not.  Most all of the Uranium that exists is the “fun” uranium 238 that you give to kids to play with, and not the uranium 235 which puts the boom in bomb.  So, to find proof, you’d need a higher amount of uranium 235 than expected.  I guess I could prove all of that myself, but  I’d have to do a lot more research, and probably spend a lot of time in third world countries (like Utah where you can’t even get decent booze) doing research and sweating collecting samples in dusty holes.  There are SO many jokes I’m not going to make right now.

So, that’s the first place I’d look – high concentrations of uranium 235 outside of ore bodies in sedimentary rock, and at least one USGS paper indicated some excess 235, but probably not our ancient dinodudes.  But if they never figured nuclear bomb making out, what then?

The best place to look for evidence would be the Moon.  It doesn’t have active geology, like Earth, and, outside of the constant bombardment from meteors, at least any evidence of visitation would still be on the surface, though irradiated by the Sun’s raw rays for millions of years.  But spaceflight is hard, arguably harder than making nuclear weapons.

gorn identity

It might be nearly impossible to find them if they didn’t make nuclear weapons or travel to space.  Heck, if you were a coal miner and found a gold dinodude ring in the coal?  Off into your pocket.  Would you believe it if you were a paleontologist and found a dinodude’s five pound gold crown?  Who would you tell?

Would you work to establish (against all the ridicule that science could bring to bear) that a former culture existed that has never even been hinted at, 150 million years in the past.  Or, you could pop that crown in your pocket and walk away.  (I picked gold because, uniquely, if you dropped a five pound gold crown or golden statue of Johnny Depp’s hair on the ground, unless it was mashed or melted it would still look exactly the same a billion years from now.  Gold doesn’t rust, it doesn’t tarnish.  It’s awesome.)

I’m not saying that there’s been either a coordinated (unlikely) or individual (more likely) decision to hush up findings.  I am saying that no sane paleontologist would mess up his tenure track position at State U to bring up a theory that involved an unknown culture that no other academic has ever even speculated about?  No academic has incentive to do this.

I’m not sure that intelligence is all that important for an evolutionary trait.  My main evidence?  Where is another species that’s intelligent?  That uses tools?  That has language?  Oh, sure, the most likely case is that we would have killed them if we found them, but they don’t seem to exist.

My theory is that intelligence only gets you so far, and will only develop under extreme situations.

What?  Intelligence isn’t important?

Well, it is.  Again, to a point.  The cunning of a wolf.  The keenness of a fox.  The smarts of a squid (squid are smart, and tasty).  But I’m not sure that it helps a lot if any of them can study Nietzsche or Seneca or Shakespeare.  Heck, it would probably be a net survival deficit for a Fox in Socks to Quote Shakespeare on Rocks.

This will (probably) be a future blog post, but there is evidence that, even among humans that the optimum IQ for social and economic performance is somewhere between 115 and no more than 130.  No more than.

So, if a Jurassic reptile from 150,000,000 years ago shows up with an 800 IQ and starts talking?  Feel free to make fun of him.  Meanwhile, here’s that picture of the Oktoberfest girls again:

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Read This Blog or I’ll Shoot This Car and You’ll Feel Guilty Forever

“You have learned to bury your guilt with anger.  I will teach you to confront it, and to face the truth.  You know how to fight six men.  We can teach you how to engage six hundred.  You know how to disappear.  We can teach you to become truly invisible.” – Batman Begins (The good 2005 one, not the earlier crap.)

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If you don’t read this blog, I’ll shoot this car.  Then wouldn’t you feel guilty?

I sat staring at the ceiling in the darkened apartment, the lights from the parking lot casting shadows on the walls.  I couldn’t sleep.  I tossed and turned.  Finally, I resorted to reading.  I’d read every night until I literally fell asleep with a book in my hand.  I remembered, in particular, reading a big, heavy hardcover at the time, one that was about 1053 pages long.

I was being eaten alive inside.  I was wracked with guilt.

What was I scared of?

Well, I hadn’t finished my master’s degree yet, but I had moved halfway across the country and started a new job.  No one was asking me about my degree, but I knew that dreaded moment was coming soon.  “So, John Wilder, where’s your degree?  We need to see a copy.”

This was impossible.  My thesis wasn’t even written yet.  And I had moved halfway across the United States and taken a new job.

My torture continued.  Outside of the lack of sleep, the guilt from knowing that I hadn’t finished my degree sent a chill down my spine (or is it up my spine?) every time I thought about it.  At work.  Shopping.  Waxing my moose statue.  Finally, after a week or so of this torture, I went in to my boss, who was only five or so years older than me.  We started off talking about the work I was doing.  At the end I brought up the degree.

John Wilder:  “Oh, and one other thing, I’m not quite done with my master’s yet, I still need to finish and defend my thesis.”

Boss:  “Whatever.  I’m not even sure the company cares.  In fact, I’m pretty sure it doesn’t.  We hired you, not a degree.”

And that was that.

In that moment all the fear left me, and I felt silly for worrying about it, and even sillier for keeping it bottled up inside of me, eating away at me like a Kardashian at an all-you-can-eat waffle and cream cheese covered bacon buffet.  Sometimes that horrible truth you have bottle up inside of you . . . is no problem at all.

This has been the norm in my life:  if I confronted the problem, or was honest about it upfront, the problem (most times) went away.  And when the problem didn’t go away, fixing it because I was honest and upfront was easier than the times (in the past) that I’d waited to confront the issue.

Guilt is a cousin to Worry, and not the good kind of cousin that brings a twelve-pack to your backyard barbeque and then offers to watch your kids so you and the wife can go have a dinner out.  No.  Guilt is a bad cousin that shows up at 3am, kicks your dog, and eats that steak leftover you have in the fridge while talking with its mouth full and smelling vaguely like a wooden barroom floor near a Marine base.  But Guilt and Worry are related.

Worry is paying for the future problems you might have, whereas Guilt is worrying about the repercussions from past actions.  Let’s be real:  I wasn’t worried so much about not having the degree (I did finish it a year later) but was really worried about having moved halfway across the country only to be fired and become economically destitute – a warning sign for future people to say, “don’t be like that idiot.”  I had done the deed.  Or in this case not done it.  My question was what would happen once I’d been found out.

And most of the time your imagination can create future consequences far scarier than they ever would be in normal reality.  Unfortunately, I’m an imaginative guy.  I can go from getting a “C” in a college class to getting kicked out of school to living in a squalid drug den and smelling like Johnny Depp in about three steps.

The choices (if you don’t want to eat yourself up alive inside) are simple:  confront the guilt, or, better yet?

Don’t do things that make you feel guilty.

Duh.

Show Me the Man, I’ll Show You the Crime: Justice, Civil War, and Game of Thrones

“If you think this has a happy ending, you haven’t been paying attention.” – Game of Thrones

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I’ll admit I’m enjoying this season of Game of Thrones.  Intrigue.  Betrayal.  Lust for revenge.  Oh, wait, that’s just the political news since August started.

As I’ve noted before, none of these political posts about civil unrest are my wish – they’re more what I see coming (or maybe coming) as history rhymes with the past in the United States.  It’s not the same, really, since we’re very different as a people in many significant ways than 1860, but the passions of the people and the divide that we see doesn’t appear to be closing and in a way that is reminiscent of the 1850’s.  Here are a few of the previous posts in this loose series:

Harvey Silverglate wrote the book Three Felonies a Day – I bought my copy back in 2010, Amazon reminds me.  Silverglate’s theme in this book is that there are literally so many regulations and laws that you’re breaking multiple laws daily.  And you don’t know that you’re breaking a law because many of them aren’t horribly logical or even obvious.  Silverglate gave the spoiler in his title – he thought the average American committed three felonies a day regardless of evil intent.  At that rate, the government holds all of the cards.  Lavrentiy Pavlovich Beria was head of Stalin’s secret police.  Beria’s second most famous quote, “Show me the man and I’ll show you the crime.”  His most famous quote?  “Whazzzzuuuuuupp?”

The idea is that you find the unpopular person, and then, because everyone has committed a crime (many, if not most victimless) you find the crime.  And let’s be honest.  Trump has committed felonies.  So has Hillary.  And, so have you.  I, on the other hand, have led a spotless and exemplary life, so no reason to go sniffing about here.

Like Beria, Robert Mueller has the man, so he will show us the crime.  We’ve seen this before – Ken Starr and his relentless and unceasing review of Bill Clinton gave us perjury charges when Clinton lied about (probably) the most pathetic sex ever to occur in the White House since Woodrow Wilson’s encounter with the first electric . . . well some things are best left unsaid.

And how do we know that Mueller is our Beria?  It’s simple.  He gave immunity to Rick Gates for crimes that were arguably worse than Paul Manafort’s.  He charged Manafort with things that the (according to many observers) are commonplace in Washington, and that no one has ever been prosecuted for.  And as far as income taxes, Representative Charlie Rangel failed to pay . . . a LOT of taxes.  And failed to disclose $600,000 in assets on a federal form.  And, yet?  No harm, no foul.  I could raise many examples of similar crimes by Congresscritters and government employees that only are prosecuted if they don’t play the bacon-wrapped-shrimp party game, where you go along with what’s going on.

Hmmm.

The main concept of this special prosecutor is that, regardless of what crime it is, a crime will be found that Trump will be prosecuted for.  This is a consequence of the idea that Trump is illegitimate, and must be cast out.  In conversations I’ve had with some on the left, the very idea that Trump could serve out his term is considered hateful.  The idea that 90% of Republicans love him is unfathomable.  I’ll explain below why this sort of thought is more dangerous than a Spice Girls reunion.

Belief in rule of law keeps society together:  it is the hallmark of Western civilization.  To the extent that society at large believes that guilty people are punished and the innocent set free, the rule of law is deemed to have worked.  There can’t be favoritism.  Not for cops.  Not for elected officials.  Not for appointed officials.  Not for Hillary Clinton.

When people believe that the system is rigged (rightly or wrongly) you get the Los Angeles riots, the Ferguson riots, and the Bundy Ranch standoff.  Remember the Bundy Ranch?

The Bundy Ranch standoff occurred in Nevada back in April of 2014.  I won’t recap it in detail, but it occurred because a group on the right felt that the rights of the Bundy’s were being violated.  Largely peaceful, the standoff resulted in the Bundy family keeping their cattle, but at least two people were convicted of felonies related to the standoff, although the Bundy’s themselves were acquitted of all charges based on gross prosecutorial misconduct.  I’m not saying I agree with the merits of the Bundy case, but dozens of people with guns showed up to back them.

But the rule of law is important because without it, we become stuck in never-ending vengeance cycles, like the people in New Guinea – here’s an excellent New Yorker article (LINK) about a society where warfare and revenge replace justice.  From the New Yorker:

The war between the Handa clan and the Ombal clan began many years ago; how many, Daniel didn’t say, and perhaps didn’t know. It could easily have been several decades ago, or even in an earlier generation. Among Highland clans, each killing demands a revenge killing, so that a war goes on and on, unless political considerations cause it to be settled, or unless one clan is wiped out or flees. When I asked Daniel how the war that claimed his uncle’s life began, he answered, “The original cause of the wars between the Handa and Ombal clans was a pig that ruined a garden.” Surprisingly to outsiders, most Highland wars start ostensibly as a dispute over either pigs or women.

And like Ken Starr animated the right in the 1990’s, Robert Mueller has animated the left.  The left is ready to declare victory, spike the ball, and prepare to fight President Pence in 2020.  As has been pointed out by astute commenters to this blog, there really aren’t two parties (normally) in Washington, merely one party with two faces.  Each one has the same goals, just different timing.  As far as I can see, the only principle each side sticks to religiously is their position on abortion, which is safe to fight about because the Supreme Court has taken that decision away from them.  No other principle is sacred to either side.

Thankfully, I still read it as unlikely that Trump will be impeached in this term.  Although the agencies in Washington are loyal to the agencies themselves and not the American people, it’s still my bet we end up with a Republican house until 2020.  But if the House turns?  The Senate will still not vote to convict on a campaign finance violation, especially when it’s possible the payments are completely legal, Trump having done so in the past to protect himself prior to becoming President.

But . . . what if?

Washington is firmly held by the statists.  For Trump, Washington is enemy territory – an enemy that he taunts almost daily.  In Washington itself, Donald Trump got 4% (that’s not a misprint) of the vote.  That explains why the left is incredulous that he won, they don’t know anyone who ever voted for Trump.  It’s clear that the careerists at the agencies don’t like Trump.  So who does have faith in Trump?

The same people that engaged in the standoff at the Bundy Ranch.

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But I don’t think it will get there, and I hope it doesn’t get there.  But if it does?  I hope it’s peaceful.  I sense we’re heading to a very difficult place, and I hope it doesn’t lead to Civil War II too soon.  I haven’t seen the end of Game of Thrones yet.  On the bright side?  Happy Monday!

Pleasure, Stoicism, Blade Runner, VALIS and Philip K. Dick

“I’ve seen things you people wouldn’t believe.  Attack ships on fire off the shoulder of Orion.  I watched C-beams glitter in the dark near the Tannhauser gate.  All those moments will be lost in time, like tears in rain.” – Blade Runner

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I wonder if there is any symbolism in this artwork?  I guess we’ll never know.

Recently I’ve been reading Philip K. Dick’s novel VALIS.

It’s interesting.  I enjoy it.

Philip K. Dick’s work (you never see him referred to as “Phil” or “Phil Dick”, it’s always Philip K. Dick, just like John F. Kennedy is always known as “Sassy”) has taken over Hollywood.  From Total Recall to Minority Report to Blade Runner to The Man in the High Castle, Dick’s work has been made into something like 14 movies and an entire series of shorter television episodes available on Amazon® Prime™.  In what might be the most ironic ending ever, he only really became popular after his death, with Blade Runner being released just a few months after he died at the age of 53.

The story themes that he visited during his life were fairly consistent:

  • What is the nature of reality? What if it’s a lie?
  • How do we know that we are sane?
  • What if reality is insane? What should our response be?
  • What is information? Is it living?
  • Where can I get more drugs? I mean a LOT more drugs.

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VALIS is based on (at least partly) a vision that he had in February and March of 1974, and describes a lot of things that Dick said personally happened to him, which include a secret Roman Empire that still existed, aliens, and the fact that his son had a hernia that would kill him if he didn’t have the doctor look at it.  The hernia part is verified.   The secret Roman Empire?  Not so much.  Oh, did I mention he did a LOT of drugs?  Yeah.  He made Hunter S. Thompson seem like a virgin.

However, as a writer he had an amazing amount of insight, which may account for the popularity.  One quote that struck me was an interesting philosophical digression in VALIS:

Masochism is more widespread than we realize because it takes an attenuated form.  The basic dynamism is as follows:  a human being sees something bad which is coming as inevitable.  There is no way that he can halt the process; he is helpless.  This sense of helplessness generates a need to gain some control over the impending pain – any kind of control will do.  This makes sense; the subjective feeling of helplessness is more painful than the impending misery.  So the person seizes control over the situation in the only way open to him:  he connives to bring on the impending misery; he hastens it.  This activity on his part promotes the false impression that he enjoys pain.  Not so.  It is simply that he cannot any longer endure the helplessness or the supposed helplessness.  But in the process of gaining control over the inevitable misery he becomes automatically, anhedonic (avoiding pleasure – JW).  Anhedonia sets in stealthily.  Over the years it takes control of him.  For example, he learns to defer gratification; this is a step in the dismal process of anhedonia.  In learning to defer his gratification, he experiences a sense of self-mastery; he has become stoic, disciplined; he does not give way to impulse.  He has “control”.  Control over himself in terms of his impulses and control over the external situation.  He is a controlled and a controlling person.  Pretty soon he has branched out and is controlling other people, as part of the situation.  He becomes a manipulator.  Of course, he is not consciously aware of this; all he intends to do is lessen his own sense of impotence.  But in his task of lessening this sense, he insidiously overpowers the freedom of others.  Yet, he derives no pleasure from this, no positive psychological gain; all his gains are essentially negative.

This idea is fascinating to me.  In this case, a virtue, self-restraint and stoicism, is turned into a vice.  And not only a vice, a vice that replicates itself and spreads its misery around.

I see this most often among people who have no real control or power in their lives – the people who sit on Homeowner’s Association boards and send out little notes that my grass is too long, or that my siding needs to be washed, or that they object to the new “sheet metal hammering and shredding at midnight with strippers” business that I set up.  The phrase that I’m reminded of that describes these people is:  “The fight is so bitter because the stakes are so small,” which is a paraphrasing of Wallace Sayre’s original quote, “I hate going to the Department of Motor Vehicles”.  So, not only do you not like going to the DMV, we’ve learned that they hate being there as much as you do, so they share their misery as much as possible.

But Dick’s quote also explains why people become self-destructive.  If they sense that they’re going to fail, well, they’ll toss some gasoline on that fire and get it going now.  The logic becomes simple – I don’t really fail if I control my failure.  Or deprive myself of pleasure.  I know I don’t deserve the money, so I’ll just save it until I die and leave it to my cats.  My ability to defer today’s pleasure becomes . . . a way to punish myself today.

And yet . . . there’s that leading stoic, Seneca:

“Therefore, explain why a wise person shouldn’t get drunk, not with words, but by the facts of its ugliness and offensiveness.  It is easy to prove that pleasures, when they go beyond proper measures, are punishments.”

Could it be that people subconsciously (or consciously!) punish themselves through pleasure as well?  Theoretically, being a philosophical stoic isn’t about avoiding pleasure, it’s about striking that balance.  Seneca himself was very, very, rich, but struggled with whether or not he should be a vegetarian.  Seneca decided not to be a vegetarian – it might have been seen as being pretentiously virtuous, like the vegan who does Crossfit™ and drives a Prius© – what do you tell people first???

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Absolutely there is virtue in self-control.  Right up until it becomes a vice.  Like lots and lots and lots of drugs.  Lots of drugs.  And maybe Crossfit™.

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What is Wealth? Is it More Than Money?

“Aristotle was not Belgian, the principle of Buddhism is not “every man for himself”, and the London Underground is not a political movement. Those are all mistakes, Otto. I looked them up.” – A Fish Called Wanda

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This may be the most important philosophical question of our lifetime, especially if you’re haulin’ oats.

The other day I was listening to the radio and the hosts (Walton and Johnson) were discussing wealth.  Since actual radio around Casa Wilder consists of a single AM station broadcasting crop reports and lean cattle futures and an FM station that is “All Hall and Mostly Oates, All the Time!”  Therefore?  We listen to radio stations on the Internet.  Walton and Johnson are out of Houston, but we also lived in Alaska, so we also often listen to a station we like out of Fairbanks.  Obviously, when the radio in the bedroom says it’s -40°F and the kitchen radio says it’s 85°F, there’s likely to be wind and a rainstorm down the hallway.

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Maybe I misheard that lyric?

Anyhow, Walton and Johnson were discussing wealth.  They mentioned that a recent study showed that, in Houston, a survey said that to be considered “wealthy” you had to have $2.5 million dollars in net worth.  To be considered “well off” you only needed to have $1.4 million dollars – which is quite a bargain – many people work a whole year and don’t make that much money!

After a bit of research, I found the source of the story:  Charles Schwab®, the investment firm.  You can read the study here (LINK).  In San Francisco (according to Schwab©), it’s even more money than Houston to be considered wealthy:  $4.1 million.

Looking at the best numbers I could find, the median household net worth is about $100,000.  To be in the paltry $2.5 million Houston-wealthy club (versus the expensive San Francisco $4.1 million club), means that your household is in better financial shape than 96% of American households.

But that’s the problem with this survey – since, at most, 4% of the people taking the survey would be considered “wealthy,” most of the people taking it have about as much idea about how much money it requires to be wealthy as a monkey trying to understand Nietzsche.  I mean, apes read philosophy, but they just don’t understand it, Otto.  And I imagine people who aren’t wealthy don’t understand that, either.  The answer is just a bit more complicated . . . .

I’ve done about 70 posts on wealth, but I need to step back and ask that question:  what is wealth?  To say it’s purely a number is to show that you don’t understand wealth.  Money represents not a fixed number, but a possibility.

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If you measure wealth in love . . .   

What is wealth?

Wealth is time.  In fact, if you go to the basic equation – your life is made entirely out of time – nothing else.  Your life literally is the sum of the things that you do with your time.  So wealth is doing what you want to do with your time, which means doing what you want to do with your life.  It’s entirely probable that a Wall Street investment banker with $10,000,000 in the bank from a job he hates and shrill wife with more implanted silicon than actual original equipment is less wealthy than a hunting guide who lives in a log cabin in Alaska who has less than $5000 in the bank.

In my case, I’ve traded a LOT of time for money in the past.  My theory was to work hard while I was young so that I could build my career so I could save enough money so that my family would be secure in the future.  You would say that working all the time is not a very wealthy (or in some cases healthy) thing to do, except . . . I loved the job I was doing!  In many cases it was stressful.  Difficult.  Uncertain.  Long hours.  And when I did an awesome job?  Yeah, it was like winning the World Junior Baking Championship.  Not that I can bake, or even that there is a World Junior Baking Championship, but I think you know exactly what I mean.

I watched the documentary Lynyrd Skynyrd:  If I Leave Here Tomorrow this weekend, and those guys simply loved playing music.  They’d do it all day long, even when they weren’t getting paid.  Being a rock star was awesome, sure, but it wasn’t the point.  They were wealthy as soon as they could get paid for playing small clubs.  Arenas were just the gravy.

And, yes, I’ve said in the past (and still maintain) that to support yourself, support your family you might really have to suck it up, buttercup, and work jobs you don’t like because an Alaskan hunting guide has really crappy health insurance and his spouse has neurohemoblastaphobia which can only be cured by a mouse egg (before the baby mice hatch) extract that’s been strained through bigfoot hair and breathed on by an honest politician.  Yes, it’s as expensive as it sounds.  Then you have to work the job you have rather than a job where you play guitar all day.

Wealth is freedom.  Could you quit your job tomorrow without having a new one and still meet all of your obligations?  For most people, the answer is no, either because the obligations are too high or the amount of cash they have is too low – 60% of people in the country live paycheck to paycheck.  However, sometimes it’s self-inflicted.

Some people trade their freedom for a car payment.  I’ve seen people who purchase a $60,000 pickup, and then have to pay $1,200 a month in car payments.  I don’t know about you, but my 4,000 square foot house has a payment of less than $1,000, so it’s not making me freer to be tied to a depreciating asset that I have to pay $14,400 a year for.  Plus insurance.  Plus whatever taxes the state would extract for a $60,000 vehicle.

I have a pickup.  It cost $6,000.  I paid with cash.  It didn’t cost very much because the car dealership was having a hard time selling a stick shift.  The truck runs fine.  Engine is a bit small, but 95% of the time it’s just being driven by a teenager to school and back.

But if your idea of wealth is a $60,000 pickup, I’ll never be wealthy in your eyes.

But I can be free without a $60,000 pickup.

And, no, I’m not a radical get rid of stuff and never buy anything sort of person – I’ve probably got more books on some topics than any library in my state.  And, I’ve bought more than my share of crap in my life, but very little of it has made me happy, and very little of it has made me a better person.  Except for the PEZ®, of course.  And I’ve been on some incredible vacations.

Wealth is time.  Wealth is freedom.  And your wealth is determined by things you “need.”

The less you need?  The wealthier you are, and the more choices you have.

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