...the self reliant person will always be the enemy of authority...
https://www.merriam-webster.com/dictionary/authority
https://www.merriam-webster.com/dictionary/self-reliant
...it’s not personal, just business...
- get out of debt...because eventually someone with a weapon will be at your door...to force payment compliance...
...self reliance STARTS here...
- save and invest “at least” 20% of your after taxes pay...
...concentrate your investment in “index” mutual funds (Vanguard or Fidelity or ??? is your choice)...be cognizant of their fees and use following percentages:
US funds: 28.5% International Funds: 23.5% Emerging Market Funds: 13% US Real Estate Funds: 20.5% US Bond Funds: 4.5% Emergencies/dry powder/cash: 10%
...do this until annual dividends are ALL of your income in retirement (IE, no pension...no Social Security...no other job). As the USA succeeds or fails (over the long term) adjust your percentages accordingly...this is a “longevity portfolio” and not a “become wealthy portfolio”...
You will find that it “will” make you quite wealthy...the peace of mind gained cannot be given a value...
- Start getting healthy...
...proper hydration and eating responsibly will go a long way toward equalizing body weight to healthy levels.
Get active...start moving around again. There is no simple way of saying it...but...we are a fat, lazy, and entitled nation. No one is coming to save you. Make a “get healthy” plan and start executing as the time for “maybe tomorrow” is over.
- Take the fight...to the enemy...financially...
...pare down your spending...become more discerning...stop all the wasteful bullshit...
...the US economy is a consumer (that’s you) based economy. Your dollar is the most powerful weapon you have and it’s use in living a lavish lifestyle is your greatest weakness.
...the gov must have you (actually, your money) to continue to torture you. The large corporations are in bed with big gov and shoving that in your face. They think you are too weak to go back to a time without them. The time to starve them down and make them think twice before they continue...is now...
“Send $0”
- One last word...
...all of these steps I list are tested and effective over many thousands of years and through the worlds absolute worst periods. They are not special and require absolutely no special level of education.
I didn’t create them but I did learn bits and pieces of them over the last three decades. I put them here only for those looking for ideas of “what do I do now”. I apologize if you have seen this post several times but I am hopeful that new people come here daily and this helps them focus on positive action. Oh, and if you believe you are too old, too poor, too young, too uneducated, too whatever to do these things, you are listening to the wrong people. Those people suck and are probably a big reason why you are... “here”...in the first place...
Some of the steps appear to conflict with each other and that is okay (I did not take a vow of poverty and nor should you). The steps are not meant to be mutually supporting but can and should be done concurrently. Step 2, for example, is for me while step 4 is for my country...
As you start ingraining these into your life you will be amazed at how successful you become in all aspects of that life. Self discipline creates more opportunity then education, family background, or “lucky breaks”. Not one step is easy which is why most don’t try...or give up after only a few months....
...are you ready to change??? You know it must happen...or else just sit back and wait for the authorities to send another check... I will no longer wait for their scraps...
“See you on the high ground”
“Embrace the suck”
...that requires very little from others, that is most at peace...
...respond to comments...or...use this site (or any other) for social need...I get my dopamine from a hard days work using physical labor...
...most of the time I post and get on with my busy day...
...don’t take it personally...it is just my way...the internet has proven to be a mistake...IMHO...
...bringing the pain...
- Retail purchases down 85%
- Stretching gas tank to every two weeks (was one per week)
- Research everything for made in USA...if it’s not...not buying...perhaps a little from India (I have a feeling we will need them before this is finished)...
- Pulling cash out of circulation (if it is not in a financial institution...it cannot be floated for business/personal loans)
- Teaching myself to do more DIY
- Shopping/dining only in red areas (sparingly...I WANT the economy to grind to a halt)
- Charities and non profits are on their own
- Listening to music on an actual radio again (no streaming)
- TV rarely turned on, media not being consumed
...I have put the brakes on most commerce coming out of my home...
...the worst that happens...is...I have a ton of savings (for when/if guns and ammo come back or for rural property)...and I get to learn some new skills...
...the economic war...continues...
PS-my apologies for the stock market...as well as the coming inflation bomb (for my part)...but some things are more important than money...
PPS-they better change quick as I am starting to enjoy this simpler lifestyle...I may never come back again...
...I am...however...anti selfish prick who believes paying for their adult children’s cell phone bills is more important than protecting my constitutional rights...
...once one gov org turns on another...for ever smaller tax revenue share...then things will start to get very interesting...
...watch for it...
...then I realized how much tax money that would bring to the gov...
...oh well...am sure those public servants would work for free...
....tech bubble...doubled my investment rate...
...real estate crisis...doubled my investment rate...
...Covid crash...doubled my investment rate...
...my friends said I was crazy...sometimes they still text me from work...
...educate yourself...people will still need to eat...
https://www.investopedia.com/articles/investing/052913/inflations-impact-stock-returns.asp
...the self reliant person will always be the enemy of authority...
- get out of debt...because eventually someone with a weapon will be at your door...to force payment compliance...
...self reliance STARTS here...
- save and invest “at least” 20% of your after taxes pay...
...concentrate your investment in “index” mutual funds (Vanguard or Fidelity or ??? is your choice)...be cognizant of their fees and use following percentages:
US funds: 28.5% International Funds: 23.5% Emerging Market Funds: 13% US Real Estate Funds: 20.5% US Bond Funds: 4.5% Emergencies/dry powder/cash: 10%
...do this until annual dividends are ALL of your income in retirement (IE, no pension...no Social Security...no other job). As the USA succeeds or fails (over the long term) adjust your percentages accordingly...this is a “longevity portfolio” and not a “become wealthy portfolio”...
You will find that it “will” make you quite wealthy...the peace of mind gained cannot be given a value...
- Start getting healthy...
...proper hydration and eating responsibly will go a long way toward equalizing body weight to healthy levels.
Get active...start moving around again. There is no simple way of saying it...but...we are a fat, lazy, and entitled nation. No one is coming to save you. Make a “get healthy” plan and start executing as the time for “maybe tomorrow” is over.
- Take the fight...to the enemy...financially...
...pare down your spending...become more discerning...stop all the wasteful bullshit...
...the US economy is a consumer (that’s you) based economy. Your dollar is the most powerful weapon you have and it’s use in living a lavish lifestyle is your greatest weakness.
...the gov must have you (actually, your money) to continue to torture you. The large corporations are in bed with big gov and shoving that in your face. They think you are too weak to go back to a time without them. The time to starve them down and make them think twice before they continue...is now...
“Send $0”
- One last word...
...all of these steps I list are tested and effective over many thousands of years and through the worlds absolute worst periods. They are not special and require absolutely no special level of education.
I didn’t create them but I did learn bits and pieces of them over the last three decades. I put them here only for those looking for ideas of “what do I do now”. I apologize if you have seen this post several times but I am hopeful that new people come here daily and this helps them focus on positive action. Oh, and if you believe you are too old, too poor, too young, too uneducated, too whatever to do these things, you are listening to the wrong people. Those people suck and are probably a big reason why you are... “here”...in the first place...
Some of the steps appear to conflict with each other and that is okay (I did not take a vow of poverty and nor should you). The steps are not meant to be mutually supporting but can and should be done concurrently. Step 2, for example, is for me while step 4 is for my country...
As you start ingraining these into your life you will be amazed at how successful you become in all aspects of that life. Self discipline creates more opportunity then education, family background, or “lucky breaks”. Not one step is easy which is why most don’t try...or give up after only a few months....
...are you ready to change??? You know it must happen...or else just sit back and wait for the authorities to send another check... I will no longer wait for their scraps...
“See you on the high ground”
“Embrace the suck”
...that requires very little from others, that is most at peace...
Step 1. I receive $1 for services I provide...paycheck, if you will...
Step 2. I pay (on average) 18-22% of that in Fed taxes (let’s use 20 for clean math)...then my state takes a little (I’ll just use 5% to be fair)...therefore $0.75 goes into my account as mine.
Step 3. I take my $0.75 to the store...gotta buy some ketchup...fork over my $0.75 and my state takes a little more in sales taxes...probably down to $0.70 now.
Step 4. When the store pays its employees, that start back at step 1.
Step 5. “If” the store makes a profit, they pay like 23% of that amount to the Gov in Fed taxes (23% or so) and then to the state as well (varies by state and business structure).
...see why they don’t fear us yet...???
...the only way to stop this is at Step 2.
“Keep $0.75”
“Send $0”
...every time I push...right here...it hurts...???
Dr.: “...stop pushing there...”
...oh...
Dr.: “...yeah, I get paid a lot to hand out common sense...”
...wonder if all the home delivery trucks were to stop delivering...would sufficiently change the minds of those that stay home without a mask...from being pro mask...
...they would have skin in the game...for an informed decision...
- get out of debt...because eventually someone with a weapon will be at your door...to force payment compliance...
...self reliance STARTS here...
- save and invest “at least” 20% of your take home pay (after taxes)...working up to this using pay raises is the least painful method...but...get there...
...concentrate your investment in “index” mutual funds (Vanguard or Fidelity or ??? is your choice) (that way when Coke decides white people are too white, you won’t suffer needlessly)...be cognizant of fees and use following percentages:
US funds: 28.5% International Funds: 23.5% Emerging Market Funds: 13% US Real Estate Funds: 20.5% US Bond Funds: 4.5% Emergencies/dry powder/cash: 10%
...do this with the goal of using annual dividends as ALL of your income in retirement (IE, no pension...no Social Security, no other job). As the USA succeeds or fails (long term) adjust your percentages accordingly...this is a “longevity portfolio” and not a “become wealthy portfolio”...
You will find that it will make you quite wealthy...and the peace of mind cannot be given a value...
- Start getting healthy...
...proper hydration and eating responsibly will go a long way toward equalizing body weight to more normal levels.
Get active...start moving around again. There is no simple way of saying it...we are a fat, lazy, entitled nation. No one will be coming to save you. Make a “get healthy” plan and start executing. The time for “maybe tomorrow” is over.
- Take the fight...to the enemy...financially...
...pare down your spending...become more discerning...stop the wasteful bullshit...
...the US economy is a consumer (that’s you) based economy. Your dollar is the most powerful weapon you have and it’s use in living a lavish lifestyle is your greatest weakness.
...the gov must have you (actually, your money) to continue to torture you. The large corporations are in bed with big gov...and shoving that in your face. They think you are too weak to go back to a time without them. The time to starve them down and make them think twice before they continue...is now...
- One last word...
...all of these steps I list are tested and effective over many thousands of years and through the worlds absolute worst periods. They are not special and require absolutely no special level of education.
I didn’t create them but I did learn bits and pieces of them over the last three decades. I put them here only for those looking for ideas of “what do I do now”. I apologize if you have seen this post several times but I am hopeful that new people come here daily and this helps them focus on positive actions. Oh, and if you believe you are too old, too poor, too young, too whatever to begin, you are listening to the wrong people. Those people suck and are probably a big reason why you are. ..”here”...in the first place...
Some of the steps appear to conflict with each other and that is okay (I did not take a vow of poverty and nor should you). The steps are not meant to be mutually supporting but can and should be done concurrently... Step 2, for example, is for me while step 4 is for my country...
As you start ingraining these into your life you will be amazed at how successful you become in all aspects of that life. Self discipline creates more opportunity then education, family background, or “lucky breaks”. Not one step is easy which is why most don’t try...or give up after only a few months....
...are you ready to change??? You know it must happen...or else just sit back and wait for the authorities to send another check...
“See you on the high ground”
“Embrace the suck”
...get...yah...yah...(mouth noises)...Whooooaaa...
(Don’t mind me, just my morning commute)
...the self reliant person will always be the enemy of authority...