TPTB that be have put out the call for content. Here is a half-baked article. Discuss amongst yourselves
This is one of many books that had an influence on young kinnath. And it’s one of the reasons why kinnath is still working at 69 and counting.
Die Broke: A Radical Four-Part Financial Plan (ISBN-13 : 978-0887309427)
From the Back Cover
From America’s most trusted financial advisor comes a comprehensive guide to a new and utterly sane financial choice. In Die Broke, you’ll learn that life is a game where the loser gives his money to Uncle Sam at the end. There are four steps to the process:
Quit Today
No, don’t tell your boss to shove it…at least not out loud. But in your head accept that from this day on you’re a free agent whose number one workplace priority is your personal bottom line.
Pay Cash
You should be as conscious of spending as you are of saving. Credit should be a rarely used tool for those few times (buying homes and cars) when paying cash is impossible.
Don’t Retire
Your work life should be a journey up and down hills, rather than a climb up a sheer cliff that ends with a jump into the abyss.
Die Broke
It sounds terrifying, the one intolerable outcome to your financial life. And yet, in truth, dying broke might be your best option for a life without fear: fear of failure and privation now, fear of impoverishment in the long run.
kinnath’s Summary of the Book
Quit Today
Working for yourself doesn’t mean you have to own and run a business. You can punch a clock and draw a paycheck. Or you can draw a salary. Working for yourself means that the purpose of working a job is to satisfy your own needs, period. Getting work done and keeping the boss happy is just a means to an end – getting enough money to pay for your life.
I ran into a former boss at a beer festival late in the afternoon. The boss turned to one of his companions that day and said: “You know what I like about kinnath. kinnath works for money. If you got money, kinnath will work for you”.
Pay Cash
My single greatest weakness. This took decades to get under control. But the bottom line is that paying interest is like taking part of every paycheck and setting it on fire. Not much else to say at this point.
Don’t Retire
And the Gods of the Copybook Headings said: “If you don’t work, you die.”
We had a group outing recently. One of the younger engineers asked what my target was. I asked what he meant. He asked what was my target to retire. I replied that I had no intention of retiring anytime soon. He said that he was 55, and his target was 58. I said the sainted Anthony Fauci was 82 when he retired as the highest paid employee of the federal government. I said my target was to beat his record. So, I have 13 years to go. He was nonplussed by my response.
Put in the papers when you can. Collect your pension. Collect your social security checks. Get all the money you have coming to you. But don’t stop making money.
That doesn’t mean working 40 hours a week at a job you can’t stand. But if are physically and mentally capable of making money, then make money.
Die Broke
You can’t take it with you. Dying with a big bank account does you no good. If you want to give something to your next of kin, then do it when you are alive and can see the benefits that it brings. There is no value in letting the government take part of what you spent a life time accumulating.
Conclusions and Consequences:
Quit Today and Pay Cash are straightforward concepts that can easily be applied to anyone’s life. Buying into the Don’t Retire and Die Broke concepts has benefits and consequences. Together they say you don’t need to burn yourself trying out to acquire enough wealth by time you’re 65 to cover your life for another two decades or more. You plan for and expect to continue covering your life expenses by continuing to generate some income after the major life purchases are over (e.g., having the house paid off). But, the consequence of buying into these concepts at age 45 is to get to age 65 and to realize you can’t actually retire. You don’t have the wealth to retire because you choose not to acquire it along the way. And there is no going back in time to change that.
I always assumed that I would be working forever. The government fuckery with Social Security and Medicare was obvious 50 years ago. This book just provided a framework for living with that expectation.
My wife asks when I am going to retire. I say five years at the earliest. Ten to fifteen years is not unrealistic if my brain keeps working, and I can continue to function as a very well paid engineer for a long time. This does not frighten or dismay me in anyway. I enjoy having plenty of money to spend on my life, and I am not walking away from it any time soon.
Is there a book “How to Take It With You?”
There is but the Forward says “Burn before reading”
I said the sainted Anthony Fauci was 82 when he retired as the highest paid employee of the federal government.
To be fair, Fauci should have been thrown off a cliff in his 40s.
No argument here.
Don’t get me started on that MFer.
My mother and her idiot husband must have read Die Broke, as they have been bound and determined to blow every bit of family money they can get there hands on to ship a damn RV around the world.
It’s not your money.
Or have they borrowed money from you for that RV?
Dunno. The one where George’s parents were determined to blow all their money traveling around the world.
wut
That was a reply to Evan
I saw that Seinfeld episode.
(The Bottle Deposit ep?)
Die Broke does not teach one to be completely ignorant in managing your money.
There is a reason I used the word idiot.
Also, it isn’t that I feed entitled to any money, but that now, due to her and her husbands idiocy, they are dead broke. And at 80ish she is in just OK health, while he not so much. They live in an RV park, with just SS. And the issues comes down to that if things go wrong then one of the kids is going to step up, and there is nothing to help them in the kitty. In other words, they will expect a handout.
Sounds like they only read the title.
Watching a patent spend decades feeding two generations of people they are not related to and then tell you your kids are “equal to” them in the will is frustrating.
The point of having a legacy is to provide for your progeny. Not create a personal welfare class out of some one else’s family.
Thanks Kinnath, great info, great philosophy
Of course it’s completely different from what I have done. I got out as soon as I could, 55. My boss gave me a going away gift, payable over 5 years, with interest. plus 1/2 pay for 10 years. I enjoyed my job with no supervision but I wanted to get away.
I had things to do. My house was finished enough to move into but I had to do that. Then a garage, then another one.
And fishing, summer and winter.
I’ve been giving stuff away, my three grand daughters got their college loans paid off as a graduation gift. They could start their lives with out that worry.
Mrs F traveled extensively, more than 20 trips abroad while I took flyin fishing trips plus we traveled the 4 corners of the continental US and environs.
Now for the past few years we’ve not did much, the age thing can’t be avoided. We’re trying to tie up the loose ends financially but they seem to be growing.
My kids and grand kids will get a boost when the time comes.
A life well lived Fourscore.
I like this idea. “Die broke,” especially. Give it to children, etc while you’re alive and -particularly- don’t let the gov get their share after you go through inheritance taxes and whatnot. (Fucking blatantly evil, that, eh? Yes.)
I’m doing well on this part of the plan! I don’t have any debt, which is a good start. Still pissed and flummoxed that I paid off my student loans ~2015 and my SiL (I believe) still hasn’t paid hers off, despite being five years older w the same in-state school $$. Odd, that.
Other than monthly car payments (to my ‘rents), I have no current financial obligations and after first weekly payday on Fri from this contract, I’ll have $4k to my name. My savings were highest in ’15 while I was in Singapore, with close to $20k and no debt. Biggest truth, then and now, I have very few expenditures. (No kids! Well. No rent at the moment, either, but that’s an expenditure I’m eager to have again.)
“Die Broke, Die!”
*GASP!*
‘Oh, it’s German. “The ‘broke,’ the.”‘
“Well, no one who speaks German could be evil!”
/Simpsons, when it was gold.
I miss those days.
Don’t Retire
No thanks. Time is the ultimate finite resource, and there’s no way to check to see how long before that balance hits zero (RIP, Hayek).
“Lives of great men all remind us
We can make our lives sublime,
And, departing, leave behind us
Footprints on the sands of time”
/Longfellow
Thanks for succinctly writing what I was having trouble formulating.
I have no plan to not do something, but not necessarily will it generate cash.
I’m gonna have to diagram out that sentence.
Ideally I’d like to have my money or property making money (dividends, investment properties, etc.) Then I can do whatever I want. Selling my time to some third party until i keel over is hopefully not my future.
making money is making money
The real advice is don’t stop making money.
Yeah my calculus is a bit different because reasons.
Working until I drop is not how I want it to play out, at all.
making money is making money
The real advice is don’t stop making money.
Now that I can get behind.
I’m more in the Fat Fire camp of let your money make money for you.
I guess I’ll be the one to ask, what is Fat Fire?
This is good advice, and timely.
Posted before the news on Saturday.
Saturday was a sad day.
By contrast: https://taxproject.org/buy-borrow-die/
Acquire a couple million dollars in appreciating assets before you decide to retire (stocks, real estate, etc.)
Borrow against a small portion of those assets, paying only the interest on the loan with some of the money your borrowed.
Use some of the money left over to buy more assets. Live on the rest for a year or two.
Refinance the principal into a new loan using the appreciation of your assets.
Repeat until death.
Acquire a couple million dollars in appreciating assets
Reminds me of Steve Martin’s advice on how to make a million dollars and not pay taxes.
step 1) make a million dollars
step 2) don’t pay any taxes
Great post, kinnath and bonus points for Steve Martin “you could be a millionaire and never pay taxes” reference 🙂
Thanks RAH
That house of cards can come tumbling down pretty darn quick if you slip up.
No thanks.
Very true. The ways to protect against it is having diverse assets so nothing you own tanks in a hurry, and to keep a low loan-to-value ratio so that even if everything goes to shit it really has to go to shit to a Great Depression degree.
I’m sure there are others like me, that hate owing money and hate paying interest. It’s pretty much a given for a house but doubling/tripling on the principal every month can save a lot of time and get that loan paid off sooner.
I paid off 2 houses way early and life got a lot easier. Finance a car for 4 years, pay it off in 2. Inflation is a borrower’s friend, if wages keep up. It’s tough to make the monthly payments if you are trying to retire.
“Compound interest is the eighth wonder of the world. He who understands it, earns it … he who doesn’t … pays it.”
― Albert Einstein
I did the math, compound interest pretty much never keeps up with inflation.
Not in a savings account, you won’t beat inflation. I have 2 Vanguard accounts that I’ve managed since 2013. One has averaged almost 15% and the other has returned just over 22% in that period.
DrOtto sign me up for your newsletter.
You really need closer to 10s of millions, but yeah.
The easy way to think of this is that for the wealthy your wealth works for you. You don’t work for wealth.
However, if you are fortunate and plan properly you can get your wealth to work for you in retirement.
And on the “die” part in that article the heirs will still pay taxes on that stepped up basis regardless if it is sold. So in NJ on that $10m hypothetical inheritance if not a child that will be $1.6m of taxes due that will require liquidation.
I think you are referring to state level estate taxes. There is a straightforward cure for that.
I’ve worked for the same company for more than 25 years. It’s quite possible that I will for another 25+.
33 years and counting at my current job. It’s not unrealistic to think I will hit 40.
Same, when accounting for mergers & acquisitions.
I, too, would like to work for your asshole. Rhy’s may have more experience, but I’m spry.
I suspect that my asshole doesn’t have any more experience than yours.
I’ve been working for the same asshole for 30 years, hopefully always will. Heck, he’s already given me two raises this year.
Nice. Hopefully real raises. I miss those.
Mr Bole, don’t you run your own business?
https://media1.tenor.com/images/c5f9ca217be9a4450d1d730609946f77/tenor.gif
The hotel Im in has really thin walls. The guy next to me yelled “Turn down your TV volume! And the brightness!”
Hey-o!
I may well die broke in the not-fun way, but I’m planning to retire “early” – well before my full retirement age per SS. I’ve told my boss I’ll be knocking off in early February next year. I’m doing so for personal/familial reasons: TT is almost ten years older than I am, has been retired for several years, and has had multiple health issues. I figure I should give lots of notice to retire as soon as I can practically manage rather than risk having to leave abruptly due to an emergency that I can’t claim not to have seen coming. The house and car are paid for, and I have no other debt and have modest savings. I’m content to live simply, and if I eventually have to go back to work part or full time, so be it.
My wife is older than I am and part of the same calculus for me. Fortunately no serious health issues.
I took SS at 62, I figured if I died early I’d at least have gotten something back. Now the plan is to live a long life and buy turkey/deer food.
At a certain age/stage of life our wants are limited. We don’t go anywhere, funerals here are blue jeans affairs and even those are more infrequent. A reliable car is more important than a shiny one.
Sounds great
My parents retired quite well. Dad was at the Evansville Courier for ~40yrs and she was a public edu teacher (after the Bluefield Telegraph). She was earning more than him, by the end of it, ~$60k in ~2010.
Mom ‘retired’ from teaching and works at Conner Prairie, in 1836 costume for the history center there. She also works at another ‘history center’ downtown. She also plays in a couple Irish folk bands and took up Spanish a few years back. And grandma stuff. (And Mom stuff.) And gives hammer dulcimer lessons. She sometimes complains she’s too busy.
Dad always has his little projects. Wrote and ‘produced’ a few plays (with diminishing quality of work…), and grandpa stuff. She runs every show because his brain fundamentally doesn’t work in that way. At all. His Asperger’s, plus his 980 SAT (he’s obsessed w) and lifelong stubbornness, she needs to be in charge. *highfive* She’s a fantastically patient woman.
====
Ah! I’ll stop typing. Playoff hockey distracts. So does Thunderstorm Pt 2, now, with some funky fun lightning.
I’ve been thinking a lot about this recently. The 4% rule is far too conservative. Also, the best mitigation of sequence of returns risk is to remain flexible: be willing to pick up part time work or reduce spending, or both, if you retire into a down market.
Nowadays, you are likely still a long-term investor when you retire. The biggest risks to your financial security are being too conservative and being inflexible.
Or another Biden presidency.
Watching your expenses double because of inflation while investments nose dive for the same reason is not cool.
You end up having to sell into a bear market to raise the extra cash. It can result in a spiral of death as your reduced assets earn less, which means you have to sell more, which means you earn less.
Yes… I speak from experience.
My burn rate in terms of total net worth almost tripled under Biden.
Yes, precisely. You need a variety of asset classes and with Biden it was tough to find. In severe markets a balanced portfolio will have negative return.
But I’ve been told that Biden was great for the economy and stuff and things. I can’t believe those people would lie to me. Repeatedly.
Wait until you meet Newsom.
The 4% rule increases withdrawals by the inflation rate. The theory is this keeps you ahead as that rate is included in asset return.
I chose to model it differently. I looked at my spending and inflated it year over year and saw what level of assets supported it until 10 years after current life expectancy.
There are also web sites that will do Monte Carlo simulations of this. My plan is 99th percentile.
This question entirely depends on who you are.
My grandfather built several successful businesses and never truly retired. Even at 80 and becoming infirm, he went to work most days at an accounting firm he helped build for a relative (one of the few he didnt own)
He rescued the local savings and loan (that he started) during the savings and loan debacle. He sold his businesses and gave almost all of it to the church and local civic organizations many years before he died.
He lived the way he wanted, as a pillar of the community who took pride in his town and his country. Left about $110k behind when he passed in the form of his house. Another $90k in cash, much of which went to settle things and repair the house.
As a would be heir to what would have been quite a few millions way back in the 90’s had he chosen to go the “set up a trust for the kids” route, I cant say I dont have mixed feelings on his choices. (Not much though. Ain’t my money and you cant miss something you never had).
Coming from an economically challenged family, not from lack of hard work but lack of education taught me a lot growing up. My brothers and I gravitated to the army, for lack of other opportunities, I went to tech things while they were more suited for combat roles.
After retirement I used the GI Bill to get a liberal arts degree and that helped open the doors for me.
My kids are getting everything.
Down to the last 22lr shell
No charity, friend or relative but my kids gets shit.
We’re going to be setting up hefty investment portfolios for them this summer and continue investing into them as long as I can.
Well help them buy houses. Or give them our home if it comes to that.
My father is squandering any legacy he could have had for his grandchildren on strangers. I will not set my children up for failure.
Prime example of idea vs execution.
The Bee has a fine idea for a joke here. They just completely fail to execute on writing the jokes.
https://babylonbee.com/news/9-warning-signs-your-teacher-might-be-plotting-to-assassinate-the-president
I suspect this crew would bring it home much better.
Oof. One good one in the bunch.
The estate tax exemption is $15 million for an individual, so most likely the government won’t be getting much from most of us. I don’t have a problem helping my kids out with a down payment for a home, but I’m not going to just hand them a bunch of money before I die. It would just feed my son’s sense of entitlement.
I believe your heirs will be owing taxes on any inherited IRA/401k funds without regard to any $15 mil threshold.
You are conflating estate taxes with income taxes.
Such is Harlan Ellison’s reputation that hearing him do a commentary on a Twilight Zone (1980s) episode based on his work had a strangely more unnerving impact than the show did. Mind you his voice is very ordinary, and there was nothing odd about what he was saying, but it was as if it was going to invoke his spirit more locally.
😱🤨
Or I’m just being weird.
I was annoyed because it looks like the show had more than one story per episode but the DVD is broken down by story, so I don’t know how to catalog the contents. Do I try to reconstruct the episodes? Do I just throw the stories in a heap?
Yeah, the 80s version had an annoying habit of doing that. Maybe they picked it up from Night Gallery.
Whoever encoded the DVDs also used a different naming convention for each disk. The first three have been:
NEW_TWILIGHT_ZONE_S1_D1
Twilight Disc 2
New Twilight Zone D3
These are in the same box set, and it makes no sense for them to have different naming schema.
“He briefly had a relationship with actress Grace Lee Whitney, allegedly ending it when he caught her smoking cannabis in his house.”
Well, that was dumb for a couple reasons.
Boy I had a crush on her.
Yeah, that’s you bein’ weird. The only thing that’s kinda ‘unnerved’ me is when murderers, etc casually talk about their crimes.
Oddly, Bundy isn’t one of those for me. He just makes it more interesting. When he got more comfortable killing and the resulting casual mistakes, he expressed it best: “It’s like changing a tire. The first time you’re careful. By the thirtieth time, you can’t remember where you left the lug wrench.”
Yep. Just like that, Ted.
We opened a business 2 years ago so not retiring and dying broke are definitely on the table. I never did expect to retire though, I always thought I’d teach or keep creating art.
I’ve been thinking about the quitting part a lot too. I never was that into my career, I put in my 9-5 and that was it. Now that I’m facing a future where my career may go extinct, I think that was wise.
Can’t retire from Firsting. It lives inside of you. The First will innately come out at all times.
So I know people got the impression that the dog/living situation was resolved, but it was not. I had a place to go, and long story short the “roommate” tried attacking me in a fit of rage. With very protective baby pit sitting behind me. Anyone want to guess how that went? This person is know threat to me, but the dog doesn’t know that. Almost happened a time before, but I shoved the asshole out of the room and closed the door before dog could act.
I was ultimately guilted into staying until the lease was up, though this person wanted to continue the arrangement even after. Despite my warnings (like all previous ones, completely ignored) that we have no idea what will set this dog off with them going forward. The asshole may not even need to be acting aggressive for it to happen. I was told I’m crazy. That I’m overreacting and making more out of it than it really is.
Today came in with the dog and they were doing something completely non-threatening. I have to carry the dog into the place. Something set the dog off. I got the dog in another room. This isn’t the first time something like this has happened, but the dog has never actually done something. Person came in the room like an asshole, and the dog actually did do something this time.
I have this dog around a lot of different people. I really, really don’t fucking think the dog is aggressive by nature as much as if he’s really pushed and scared and/or protective, he’ll act. Dog doesn’t know how to read this person who runs hot and cold with them. Other person says they’re done and going to leave, yet I highly doubt it.
The dog needs to get away from this person (I do, too). I’m no dog expert, but I can only imagine that he is learning all the wrong things from this entire situation.
It’s like I can tell this person every step of the way what’s going to happen with the dog. I can tell them why the dog is acting the way they are at times with them. There’s just no accountability there, but it isn’t changing so that’s a lost cause.
I get many people would have caved and gotten rid of the dog. You know, my attitude became fuck this person at a certain point because I attempted to accommodate them with, well, everything. I tried to rehome the dog repeatedly only to have them back down and propose this or that compromise or arrangement. One of those was the dog would be entirely mine.
I’ve felt the damage is done one way or the other. Dog loves this person on some level, but also doesn’t trust them in the least. Who hasn’t been there at some point in their life?
I owe it to the dog to get him out of here before he does something that can’t be fixed. Or whatever is going on inside his head becomes ingrained.
Dog has never shown an ounce of real aggression with me or anyone else. Because of the breed he is or at least in part, some people just don’t want to give him the benefit of the doubt and take this asshole’s word for it.
Here’s what I do know. Dog has never attacked me. Asshole has tried 3 times to attack me while I’ve lived with them. They terrorized the dog to the point where he ran under the bed. They had him a kennel while they threw a tantrum and banged and hit it so much that the entire frame was fucked and the dog could escape the next time he was in it. Dog has seen him come at me at least twice.
There’s an aggressive piece of shit here, but it aint the dog.
Asshole also hit the dog at some point, though downplays it at this point. And that’s what the outward aggression started.
I warned them over and over that this wasn’t some little fufu dog that would just take their shit and go hide. Nah, I’m just crazy.
I think I’ll just let the dog finish the job and abscond to Cuba. They have universal healthcare and no homelessness I’m told.
That sounds intolerable.
Feed asshole to the gaters.
Yikes.
I decided long ago I don’t want to live with another person, and have not since 2006.
I lived with a couple cats for ~14 years but there is no way on earth I could live with a dog either. Not a big fan of the species.
I wouldn’t have gotten any animal if left to my own devices. What’s done is done, though.
That’s the cringiest aspect of all this. Moron wanted a dog. Moron chose a puppy. Then a puppy pit. All without telling me that was their plan. Ignoring my warning then, and everyone after as things escalated. The arrogance is really fucking astounding. And then just to pout and get aggressive when I was finally putting an end to the stupidity.
And then they call the dog aggressive and talk about how its unfair to them because they don’t want the dog. I never wanted a dog but offered to help. Asshole never changed a thing about their routine. Literally came home with the dog and was left alone with him within 15 minutes. I’m not expected to even leave the house when they’re home – not out of fear, but because they don’t want to deal with dog.
It’s all fucking absurd. And all these issues are related to their OCD. You brought a puppy into an all white home you dumb fuck. What did you think was going to happen? Thought they could be potty trained within a few weeks.
Draws no connection between the dog peeing in its kennel and their behavior. Thinks that yelling at dog and losing their shit is the best solution.
They’re a fucking cancerous fucking human being.
I realize no one here can do much. The answer’s not all that complicated, but real life is messy. Sure as shit don’t feel as though anyone I’ve talked to about this has really given a fuck about me or the dog. Just stick it out with this mental patient. Tell them all the situation is a ticking time bomb. Crickets.
If it wasn’t for the consequences for the dog, I really wouldn’t mind seeing them get maimed for real.
Yep. When my asshole room mate burned the house down, I swore never to just live with some random person again.
If only Dr Phil and Caesar Milan could co-host a show….
It’s impossible to train a dog and teach it good habits when it lives in constant fear of one of the people it lives with. Period point blank. And not in a healthy respect sort of way, but in a this person could harm me or the other person sort of way.
The fact that I can beat the other person with an open hand? Dog doesn’t get that. He’s a dog.
My (apartment building) neighbor has a dog that she apparently has no control over. The thing howls all day long, every day when she is (presumably) at classes. I work from home (for now) so I get the full experience. When she is home I swear she takes it outside at least once an hour, doors slamming and the thing scrabbling frantically against its leash. The landlord wants me to stay of course because I am a reliable tenant but unfortunately for them I am moving out of town so I want to tell them there is no way in hell I would ever consider living next to this person and her monstrous animal ever again. I think I’ll tell them that anyway.
The dog acts one way with this person and another way with me. I’m not saying he’s 100% obedient. He’s a stubborn little guy. He doesn’t bark when I’m not home, though he will pee. It seems to happen when he knows I’m leaving for work and asshole will be coming home. It’s anxiety of some kind causing it.
So you pair that with a person who has OCD to the point where they clean 3 hours straight everyday upon coming home, and then the “micro-cleaning” after and it’s a recipe for disaster. But the dog is just…different with them. I don’t know if it’s because they bonded with the dog first because it was supposed to be their dog, or if it’s just their aggressive nature of a combination of it.
Dog is pretty damn easy for me to control with the exception of when he feels threatened by this asshole.
Apparently this chick dumped her boyfriend one night a couple months ago – it was slamming doors and barking dog all night and the whole floor complained about her.
So she replaced him with a different dog and she can’t take care of that one either. The landlord said they’d help her with finding resources to address the dog’s anxiety but I guess it didn’t take.
Why a pittie? Not for novices.
It’s the dog he chose. I told them it was a pitbull. They proceeded to laugh at me and tell me that it was an American Bulldog because that’s what the pound described him as.
Regardless, the issues we’d have with this dog would be normal if they weren’t a mental patient.
The dog can legitimately be as sweet as possible around me or other people. I can have the most peaceful days with him right up until asshole comes home.
Your Seconder is the source of the problem. But you know that. You are not describing an aggressive or badly behaved dog. You are describing a fearful and/or protective dog. Sounds like this behavior only occurs around the Seconder. He’s clearly the issue, not your dog.
Yeeesh. Sincerely, best of luck with that. Empathy, even for a dog, is a powerful emotion. All sorts of things mixed in, especially the ‘fuck that human’ drive. The gators do seem hungry.
Such curious creatures, humans.
This is my mantra. Other than my house mortgage. First, I’m saving up to fix my left shoulder. Genetics have not been kind to me.
Second, buy an under 2022 truck (the last before Biden’s over-ambitious kill switch) . Drive it until it dies. Then, buy something older. Something I can fix.
Third, move south.
That’s one I would struggle with. I am culturally and dermatologically a nawtherner.
Have you ever met a Georgia peach?
Also, how red is/was your hair?
My mom was a redhead and I have redhead cousins. It skipped my generation, though. I did get the pale skin and some of the freckles.
The South has two things that will help. First, sunscreen. Second, night.
niece and nephew
I’m glad you summarized the book Kinnath because the title is a bit misleading. I am definitely of a mind to keep working in some way for years to come. Owning my own firm gives me options.
Completely off topic but I enjoyed this piece.
https://www.nationalreview.com/corner/barack-obama-is-still-annoying/
Obama is such a ridiculous bullshit artist it’s incredible he still gets away with it. Cooke summarizes his sleaziness nicely.
She having a kid really helped her in focusing her world views. Pragmata really has shown how far the rot has reached.