Benefits
and entitlements, are they one and the same or are they different breeds of
animals? There seems to be a trend for those in the bureaucracy of federal (and
even state) government toward calling anything they pay out to citizens as
entitlements. Now, I'm not sure. Is it because I'm becoming a crotchety old man
(NOT)? Or, is it because those in the elected offices, their high ranking
appointees and the massive legion of high level bureaucrats are using
governmentspeak or doublespeak to get us to believe something that isn't true.
Showing posts with label debt. Show all posts
Showing posts with label debt. Show all posts
Wednesday, November 26, 2014
Benefits or Entitlements
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Tuesday, February 18, 2014
Another Home Run By Glenn
Who is Glenn? Glenn is Glenn Morrissette of the blog
"To Simplify" fame. Glenn is another Vandwelling, nomadic, Internet
friend (and another former Jersey Boy, like yours truly) who is now west coast
based. Even though Glenn and I have never met face to face (though we actually
came within about an hour of crossing paths once here on the east coast) I
consider him a friend, because we've interfaced on line several times and have
similar philosophies on life and freedom and the "To Simplify" and
"Living Free" lifestyles. We will meet up in person one of these
days, most likely when I get My McVansion out to the southwest or the western
U.S.
Meanwhile, I enjoy following Glenn's exploits and
adventures. We are from related professional backgrounds, Glenn is a musician
and composer/arranger and I, of course, am a recording engineer/audio producer.
The two fields go hand in hand, though there are occasionally some differences
of opinion about things musical, in general, we support each other's professional
habit. Oh yeah, and Glenn is young enough to be my son, but that's only a
chronological difference and has nothing to do with our mutually enjoyed
lifestyle of Vandwelling.
Today's post is a semi-guest post because I'm going to quote
some sections of Glenn's last post on "To Simplify." Some of the
readers of "Living Free" also follow Glenn's blog, so you likely have
seen this post, however, as the title implies, this post is a home run for
Glenn. He's very sharp, astute and like so many of the Vandwellers I've met or
am in contact with, a modern day philosopher of sorts. He pretty much puts this
ball right over the center field wall.
Fred & Mabel
Glenn says: The mail arrived in Ajo yesterday morning,
and I got to thinking about the old days when, just like everyone else, I
received mail every day but Sunday. Such needless extravagance in this age of
digital wonders.
. . .
Other than the stack of 1099s that's typical for this
time of year, the mail brought a small paycheck for some recent music work.
$360 – not much to most, but plenty for me to live in comfort for a couple of
weeks, and I dare say at a level of freedom that eludes even the
super-rich. How many people have to bring in more than that every
single day just to keep their whole juggling act going, and all for the
privilege of doing it again tomorrow? I bet the Postmaster General is one of
them.
Alas, so many have this whole freedom game backwards – thinking that it's out there somewhere with a huge six or seven figure price tag dangling off one end:
"Work, work, work, go, go, go, so I can one day buy my freedom."
Alas, so many have this whole freedom game backwards – thinking that it's out there somewhere with a huge six or seven figure price tag dangling off one end:
"Work, work, work, go, go, go, so I can one day buy my freedom."
Does this sound familiar? As I tell people, I've "been
there, done that, got the tee shirt and don't need to return." Maybe you
find yourself in this exact rut right now. Having been there, I know what it
looks like. I basically see a dog tethered to a pole allowing the dog just
so much freedom. The dog goes to the length of the tether and basically ends up
running in a circle like he's trying to catch his own tail and the harder and
faster he runs, the deeper the rut he's creating becomes. Okay, maybe that
visualization is a bit too graphic for some, especially those (like me) who
have invested years in earning a couple college degrees. Now, in my case, I led
an entrepreneurial career. So, on the one hand, I probably had more freedom of
choice, however, not to be too smug about it, all I actually did was, perhaps,
give myself a little more tether so my rut was just a bit further from the
center pole than those buying into the 9-5, 40 year plan.
Glenn says: If people could only open their eyes and see that what they
seek has been right in front of them all along, and that snagging it is as
simple as making the choice to do so. No, peeling away the decades-thick
morass of misguided crud that society sold you on won't be easy, but make no
mistake about it, doing that is the true cost of freedom, and
compared to the path most are on, it is the undisputed deal of the century.
I can't even guess how many times I have spoken to individuals and
to groups in seminars and workshops where I haven't said that EVERYTHING in
life is about choices. There is the true freedom. We have the freedom to choose
how we want to live our lives and what we want. As, Glenn noted eliminating the
societal conditioning or, as he put it, misguided crud that society sold you
won't be easy. It absolutely won't, because from our earliest childhood
we've been brainwashed and indoctrinated with an American Dream that is false.
The American Dream was never about how big your house is or how expensive your
Mercedes or tricked out pick-up truck is and so on. The American Dream has
always been about freedom, honest to goodness, personal freedom where you are
the captain of your own destiny and . . . that applies both to men and women.
Even today I was talking to a full-time RVer here in Florida
who has been camped out in this particular Walmart parking lot for approaching
two months. He is 65 years old, disabled and receives a small (and I do mean
small) pension from General Motors and a Social Security disability benefit
each month. He's been living like this for 30 years, full-time in a motor home.
Actually, if Glenn or I had the amount of income this fellow has each month,
we'd be living like kings (well, actually we are, we'd just be able to live
more extravagantly). Yet, while this guy has nothing but time on his hands,
every time I try to show him how he
could use his money far more wisely, live better, get computer literate and
make his life much simpler and more efficient (he even has a wonderful idea for
a small, easy to make pet toy he created for his own dog and everyone who sees
it wants one and would make a nice small business) he uses the age old phrase so common among the masses, "I
can't." I keep telling him he can't because he chooses not to change and
use his time to his benefit. Simply stop saying "I can't" and start
saying "I will." Commit one measly hour each day to work towards a
series of simple life improving goals and within a short time he will be on top
of his world.
Glenn says: It sometimes amuses me that more people can't
see this, and at other times, it's a little depressing. Imagine that you've
discovered the cure for cancer, and it turns out to be something so readily
available, like drinking salt water through your nose while standing on your
head, pinching your earlobes, and then doing the bunny hop around the block
backwards six times while belting out "Tea for Two" at the top of
your lungs.
Boom. Millions cured. Nobel Prize. Man of the Year. Streets named in your honor. I'm talking real face-on-a-box-of-Wheaties notoriety here. But you can't find a single person to listen to you because everyone refuses to believe that the cure to what ails so many could possibly be that simple. But then I'm reminded of how great it is to be this free . . .
Boom. Millions cured. Nobel Prize. Man of the Year. Streets named in your honor. I'm talking real face-on-a-box-of-Wheaties notoriety here. But you can't find a single person to listen to you because everyone refuses to believe that the cure to what ails so many could possibly be that simple. But then I'm reminded of how great it is to be this free . . .
I really love Glenn's metaphors,
"face-on-a-box-of-Wheaties notoriety." It makes me smile remembering all
those boxes and the Wheaties I ate as a kid. But, obviously, Glenn gets it. And,
amazingly, so do so many of the other Vandwelling, nomadic, living simply and
free philosophers across this continent (and, by the way, around the world
because we're not the only ones who get it).
Glenn goes on to poke a bit of fun at the RVers who drive,
as he puts it the, "Enormo-RV's" and how they simply trade one neighborhood
of close quarter neighbors and
homeowner's association rules for another. Well, folks, there, but for
the grace of God, go I. I was convinced when I left the "Oakhill
Ranch," the 49 acres with the nice brick ranch house and the barn, etc. on
October 31, 2008, that I absolutely NEEDED a 40' diesel pusher, Class A
motorhome with a couple of slides. I can't tell you how happy I am that I
didn't fall into that particular trap.
I do not condemn nor ridicule those who
choose that path. I have a number of friends across the U.S. today who own and
travel/live in and love their large condos on wheels. If they are happy and living the lifestyle they want
to live, then they made the correct choice for them. I enjoy meeting up with
them and spending time together with them as much as any of my Vandwelling
friends. But, I'm just glad I, by a twist of fate and a kamikaze deer in the
mountains of North Carolina, made a 180 degree change of attitude and decided to
go small (about 50 sq. ft. small). I designed it, I built it and it's paid for,
thus, it's mine, all mine - and it's home sweet home.
As Glenn wraps up his post: . . . as long as you're going
to the trouble of convincing friends and family that you've completely lost
your freaking mind, you might as well set yourself up with something that will
handle the extra mile or so of narrow, winding, and rutted dirt road that
extends blissfully past where Fred and Mabel fear to tread.
Friends, Glenn just described his
(and mine and that of others of our philosophy, lifestyle and ilk) philosophy
and definition of FREEDOM. It has never, ever been about money or material
stuff. We inherited the Garden of Eden with all the beauty and grandeur anyone
could ever want and it's all free for our enjoyment. Why do we want to kill
ourselves for money to buy things we will use a few times and then set aside
and have to watch depreciate and take up expensive space for years into the
future. Worse yet, we'll probably pay for some of it for years and years into the future. Once we figure it out, all we
REALLY NEED is here so ridiculously inexpensively that we can spend most of our
time enjoying the limited lifetime we have been granted rather than working for
"The Man." It reminds me of the take off on the Seven Dwarfs' (of Snow
White fame) little song, "I owe, I owe, so off to work I go."
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Tuesday, December 10, 2013
The Two Great Motivators - Pleasure and Pain
Perhaps you're familiar with this philosophy and
psychological concept. If you've studied any Freud or, more recently, Tony
Robbins, you'll have been introduced to this concept. Certainly other
psychologists, motivational speakers and philosophers of the 20th Century used
these two concepts as the base for basic human motivation. The reality is that
this isn't a new discovery by modern psychologists or philosophers. In fact,
Aristotle spoke of it in his book, Rhetoric, some time around 400 BC.
And, if you want to go back to the Book of Genesis in the Bible
generally accepted that the creation of all things by God began at 4000 BC,
you'll see the pleasure-pain (also construed as reward-punishment) concept
repeated in numerous scenarios.
If you are a follower of any number of motivational speakers
and organizations that use motivation as a basis for advancing and becoming
successful in any number of endeavors (music, art, athletics, business
including multi-level and network marketing, other career paths, education and
so on), you have probably been led to believe there are a slew of motivators.
Let me name just a few of these so-called motivators: money, happiness,
success, freedom, awards, promotions, homes, cars, expensive bling and toys and
the list goes on. Some of the negative motivations or demotivating ideas
include: failure, loss, divorce, being fired, being passed over for promotion,
lack of money, lack of the home you believe you should have, the same with
vehicles and other stuff.
Here is the reality. Everything I just listed and anything
else you want to add to these lists ALL revert directly back to the two Great
Motivators, gaining pleasure and avoiding pain. Success equates with reward and
gaining pleasure. Gaining all the money you want (unfortunately, that never
seems to be enough for the majority of people) reverts back to what the money
can be used for to gain pleasure. There is no intrinsic pleasure in money
itself. It's only what money can do for someone that matters. This applies to
every other superficial motivator. The negative motivators are the things that
cause pain (emotional, psychological, physical, spiritual and economic). The
negative motivators are what motivate us to do things we may not like to do,
maybe even despise those things, but if they will prevent failure, loss of
family, bankruptcy and so on, one will do whatever it takes.
It is generally accepted by most legitimate psychologists
and behavioral scientists that the stronger of the two Great Motivators is the
avoidance of pain. Take only one simple example, working hard at a job or jobs
that one dislikes, despises or hates for 40, 50 and even 60 years. Why would a
person work all that time at something they hate? To avoid the pain of not
providing for their family, putting food on the table, putting a roof over
their head (regardless of how conservative that shelter may be) and failing in
life as measured by the standards established by society. This society goes by
many names including the Jones's (as in "keeping up with the
Jones's") and "They" (as in what will "They" or
"everyone else" think of me or, as I term them, "The Committee
of They").
To Gain Pleasure
Once again, I'm not preaching Judeo-Christian doctrine or
ethics, but simply illustrating the basic principles that were pretty plainly
laid out by these early books. You can go to any number of other ancient
philosophies and find the same thing. But, why did God create the Garden of
Eden and put Adam and Eve there when he "created" them? Because this
life we have was meant to enjoy pleasure. Adam and Eve were given everything
they needed to be free and happy and enjoy an abundant life. The miracle that
is this planet has always had the capability of providing people and the
animals on the planet with a fulfilling and abundant life. But, when that
"snake in the grass," Satan, tempted humans to want more than the
abundance, freedom and happiness they were endowed with, everything changed.
Instead of relating this to religion, simply look at it from
this perspective. Humans are greedy and easily corruptible. I dare say there
has been no human who has walked on this Earth (other than, supposedly, Jesus,
The Son of God - relating back to religious convictions, again) who has not
expressed and displayed greed and can be easily corrupted (tempted). Depending
on our origins in geopolitical terms, societal and familial standards and
ethics, some are more greedy and corruptible than others. Read this carefully,
please. People who are born into poverty, slums and a low class of living are
not anymore corruptible or greedy than those born into great wealth and an
opulent lifestyle. I would even go as far as to say that those who have more
are far greedier and more corrupt than those on the lower end of the scale.
Those in the Middle Class may be the worst of all. They
consider themselves above the lower class people and have no problem stepping
on them and exploiting them in their efforts to realize the pleasure of living
like the wealthy, opulent class. Of course, I'm making broad generalizations
with this description. However, most of us don't have a conscious clue as to
what is actually motivating us - other than more is better and will make us
happier. Unfortunately, that's not true. More can make most people more
comfortable, but not necessarily happier. And worse, yet, at what price?
Gaining pleasure is certainly what life is all about in my
estimation. But, it's how you define pleasure that really makes the difference.
Going back to Biblical references, virtually all religions, in some manner,
describe a heavenly afterlife of some kind. It might be called Heaven or
Paradise. In Asian religious philosophies this relates to a state of Nirvana.
One reaches Nirvana when the spirit is free from the material, lust and avarice
of the greedy, corrupt being. However, achieving these idealistic states is
only possible with work, learning, change and practice. I also believe that
Nirvana doesn't have to follow some Eastern philosophy, but that we can each
define our own Nirvana and strive to reach that state.
We've often heard and likely said ourselves, "the best
things in life are free." And this goes back to the Garden of Eden.
Essentially, Adam and Eve had it all. They could want for nothing in the
Garden. But, God put one temptation there and instructed them not to go down
that path or they would pay a severe penalty. We know the rest of the story. It
only took one serpent (Satan, Evil, The Dark Side of the Force, whatever you
want to call it) to lure them down the path. Eve was the first to partake, but
Adam went along with it. Personally, I don't think it matters if it were Adam
or Eve, human nature is what it is and the results would have been the same
either way. They sought more pleasure by following the snake's lead and they
suffered much pain as a result.
My personal belief is that we deserve all the pleasure we
can derive from this limited life on the planet. The very concept of working
for 40 or more years doing things someone hates or even dislikes is abhorrent
to me. I look at my own life and, now, realize how much of my time I spent
working at avoiding pain and putting off pleasure. Don't get me wrong; I've
experienced much pleasure in my lifetime. I am not bitter or angry about
anything. I just realized that with some adjustments in my personal
conditioning and orientation, I could have spent a lot more or maybe even most
of my lifetime realizing pleasure. However, our parental, religious,
educational, occupational and moral education and conditioning is really about
avoiding the pain factor.
Avoiding Pain
Do not misconstrue my meaning. I'm not saying that we should
not work or have purpose in our lives. I'm not suggesting that we be
irresponsible regarding choices and obligations we assume. I'm also not passing
judgment on anything that anyone has or wants. I'm simply saying that gaining
the greatest pleasure in life may have nothing to do with the amount of money
we accumulate, the size of the house or houses we own or occupy, how new or
expensive our vehicles are, how much stuff and bling we have in the form of
toys, jewelry, furnishings, designer clothes, RVs, yachts, private aircraft,
etc., etc. It's even entirely possible that all of this accumulation may
actually result in pain or cause pain for others in any number of situations.
Working at jobs that we have to take and dislike or hate in
order to pay for indulgences is really not gaining pleasure. It's actually
avoiding pain. The pain comes when you don't have those things and feel
emotional or psychological pain because you're not keeping up with the Jones's
or meeting your parents, sibling's, spouses or offspring's expectations. We
start our life off with all kinds of dreams and once we become adults and
responsible for our own lives, the dreams get shelved and life becomes a rut, a
drudge and sometimes a nightmare. How many people do you know (maybe you're one
of them) who keeps putting off living the life they want, their dreams
(pleasure) for when they retire? But, a lot can happen over all those decades
including death, becoming physically disabled, emotionally and psychologically
maimed by death of a spouse, a bad divorce, your offspring making poor choices
and ending up incarcerated or imprisoned by aging parents who refuse to make
age appropriate decisions for their stage of life and straddle you with the
responsibility (and, often, guilt) of giving up your life and taking care of
them. It's not that we don't care or respect them. It's simply that in today's society,
at least in this and other developed countries, there are better ways for older
people to have a very fulfilling life (a better life than sitting around a
house doing nothing and having no one their own age to relate to) right up
until the end with other people they can relate to in their own age bracket.
Life is very complex and for most people, though they've
learned to cope, painful. Most of life, for most people seems to be about
avoiding pain and making choices, often-poor choices, to do something, not to
avoid or alleviate the pain, but to act as a painkiller. For some people it's
gambling and playing the state lotteries. For other people it's alcohol,
prescription drugs or recreational drugs (often used with the excuse of it
being for medicinal purposes). For others it's buying "stuff." Women
will buy shoes and purses and all kinds of clothes, not because they don't have
any shoes, purses or clothes to wear or use, but because it's a diversion from
feeling the pain - pain avoidance, in other words. Men will buy new cars and
trucks, ATV's, boats, fishing gear, etc. The current vehicles may be fine,
fully operational and low mileage, but there is a big sale at the dealership
and they feel they need it, despite the fact that their payments will increase
and stretch out another six years. They don't need the ATV or motorcycle or
boat. They want it because for a short period of time it distracts (avoids) the
pain in their lives. Yet, they don't use the toys enough to justify the pain
the payments, interest, insurance, storage and upkeep costs.
Here's an interesting example of how the greed factor plays
into this picture of pain. A man (or a woman) plays football in high school,
college and then gets drafted into the professional league (it is likely a
different physical sport for a women). These people began experiencing the pain
of this choice during their first practice, but it really became apparent
during their first actual game against an opponent who's intention (as is
yours) is to tear the other team's heads off. But, as a professional player you
will realize a contract, potentially, worth tens of millions of dollars. So, in
search of the pleasure, you assume the pain that is inevitable. It goes with
the turf, so to speak. You play the game for ten years and earn millions of
dollars, often making way too many bad choices in using those millions. Your
body is banged, bruised, lacerated and broken over and over again, but the
greed to gain all that money that will supposedly bring pleasure drives you
forward.
One day you realize that you just can't face taking another
hit or the coach makes that determination for you. You retire or are retired
(fired, in other words). But, now your body is pretty well worn out and broken
up. Within a few years terrible arthritis and other debilitating physical
ailments set in. You continue living everyday in pain that grows worse. One day
in your 40's or 50's (a relatively young age in today's terms) you start
realizing that you can't remember things or you can't do some simple thought
processes that once were easy for you. Now, you realize that you have serious,
irreversible brain damage. You traded a life of pain for all that money that's
now being expended on medical treatments, medication and other necessities
related to your situation. So, what's the answer? Start seeking sympathy from
your "adoring" public about your terrible physical situation and
passing the blame to the game and the league that paid you tens of millions of
dollars for enduring the beating that you took. No one put a gun to your head
to accept the pro football (or whatever sport it might be) job. You did it for
all that gold you were going to be paid. You knew what to expect. You'd already
played the game for six or seven years before the pros. But, now we should all
feel sorry for you. And worse yet, you're going to hold the teams, league and
the spectators/fans to blame and expect to extract more money from them because
of your choice.
Pain vs. Pleasure
You could have followed another dream or maybe your real
dream instead of selling your body and soul for the gold. Maybe you wouldn't
have been paid millions on top of millions of dollars, but you might have loved
everyday of your life doing something that still served a purpose and other
people, while fulfilling your own dreams and life.
I certainly could have made any number of other choices in
my life that not only would have avoided the pain, but actually gained me the
real pleasures I was truly seeking. Indeed! I will not, hypocritically, blame
my father, mother, sisters, teachers, college professors, friends, my Uncle
Sam, clients, banks, my former wife or anyone else for my choices. I made them
entirely on my own. And by the same token, I cannot and will not pass judgment
on any decisions and choices you or anyone else made or makes. That's way above
my pay grade. I simply want to suggest that everyone, myself included, needs to
REALLY understand that there are only TWO GREAT MOTIVATORS that control every
single choice we make from the time we're old enough to choose to spit out
those strained peas we don't like as an infant until we are ready to head to
Heaven, Paradise or whatever awaits us when we die. If we're smart, we'll
choose to seek our own Nirvana while we're still alive on this Earth. We'll focus on the choices that will take us
toward the paths to the pleasure we seek and not be diverted down the paths
that get us into the wrong relationships, debt, jobs we hate, but have to have in
order to pay for the other bad choices we've made. Life is as complicated as we
each want to make it for ourselves. But, it can also be as simple and easy and
pleasurable as we want to make if for ourselves. What is your main
motivator?
Tuesday, August 6, 2013
Purpose and Passion
I've mentioned these two motivators a number of times
before. But, the other day, while working on the details of the upcoming
Veteran Speakers Retreat that I've coordinated for the past twelve years and
this being my last year, something struck me about these two words and what
they represent. So, some thoughts have been mulling around in my head and here
they are.
Living free is both a philosophy of living and a lifestyle.
But, some people get the wrong idea about living free. Some people think it
means living for free, as in not being productive and living off someone
else. Others think that it means being homeless, dumpster diving and scrounging
for food, wearing used clothes and sleeping on park benches or in hobo
villages. Still others may think it involves some kind of criminal enterprise
such as being a con artist, Ponzi scheme operator or even a pickpocket. In
reality, living free means none of these things.
Living free simply means that one has opened his or her mind
(remember the mind is like that parachute, it only works when it's open) to
possibilities for a lifestyle that is other than what is considered in
contemporary society as traditional or mainstream. The living free philosophy
has nothing to do with dictating where someone lives, what kind of housing or
shelter someone chooses to live in, how they choose to dress (fashion/style)
and acquire their apparel, what kind of diet they choose and enjoy and,
perhaps, one of the most important facets of living free is how someone
generates the resources (earn a living, if you will) to support whatever their
chosen lifestyle is.
The Pre-conditioned Mainstream
Everyone comes from somewhere. Now, isn't that a profound
thought? But, it's necessary to make that statement to understand why and how
most people make the choices and decisions that determine how they will
ultimately life their lives. The range is pretty wide when you think about it.
Let's not consider individuals whose origins are from a society in other
countries on other continents and possibly even underdeveloped or primitive
tribal societies (and yes, there are still primitive tribal societies in the
21st Century).
As societies go, the United States is very young. It's only
237 years old if you use the Declaration of Independence in 1776 as the
beginning of the U.S. Actually, the real beginning of the U.S. officially began
operating as the United States of America under the oldest operating
constitutional government in the world on March 4, 1789. So, in reality, the
U.S. is only 224 years old. However, European colonization began as early as
1492 for the Spanish and 1497 for the British with the landing of John Cabot.
So, those earlier ventures to North America extend the beginnings of what
ultimately became modern society in the U.S. to about 516 years ago. Of course,
the Norse Vikings reached parts of northeastern Canada as early as 1000. We'll
not include that period for my purposes in this article. And for practicality,
we'll just say that the foundation for the U.S. society began in the 1700's
along with the beginning of the Industrial Revolution.
Now, why is this significant? Very simply it's because
Western Europe countries are considered by most historians to be the most
advanced, civilized societies of the time. For some reason, most of the earlier
advanced societies in the Middle East and northern Africa as well as Asian
societies like China and Japan, didn't keep up with the advances in Western
Europe. I was in awe when I walked across the Charles Bridge (originally called
The Stone Bridge) in Prague, Czech Republic and realized it was built between
1357 and the early 1400's (before "Columbus sailed the ocean blue")
and it replaced a bridge that had been built between 1158 and 1172. The only
structures we have in the U.S. that truly date back that long or longer are the
Pueblo Villages in New Mexico. They date back 1,000 or more years. But, these
were not considered an advanced or developed society. So, that brings us back
to our migrating ancestors from Western Europe and the British Isles, of
course.
I make this distinction because this was the basis for how
our advanced society developed in the U.S. Since the U.S. was basically a
frontier, the pioneers had the opportunity to begin the society with the contemporary
lifestyle of the western European countries and the British Empire.
Additionally, the U.S. was in its birthing stage as the Industrial Revolution
was dramatically changing all of society forever. Although most early U.S.
cities were modeled after western European cities, most of the western European
cities were terribly antiquated and simply continued to function as they had
for hundreds to even a thousand years or more. Even today, when you visit
"so-called" modern Europe, most of the cities are centered on the
antique buildings, streets and infrastructure. Newer, more modern forms of
architecture exist in the outer suburbs and as replacements for the portions of
major cities destroyed by the modern warfare of the 20th Century.
The Industrial Revolution Alters Lifestyle
The Industrial Revolution began around the mid 1700's in
England and spread rapidly through Western Europe and the emerging society that
would become the United States in the later 18th Century. I won't go into
details of the changes brought about by the Industrial Revolution; you can
study that yourself if you're interested. But, the Industrial Revolution is
pretty much the catalyst for what we consider our modern, mainstream,
traditional lifestyle. The reason, in my opinion, that the U.S. became the
world leader in industrialization and eventually, the Information Age, is
because the U.S. didn't have to restructure and rebuild the old societies,
cities, manufacturing processes and mindsets of a population steeped in antiquity.
The people who migrated to the U.S. were pioneers. They were a hearty stock who
wanted to build a new life and ultimately a new society and nation.
Individually, they all came seeking some kind of freedom and they were willing
to do whatever it took to accomplish that goal. A huge number died in that
process, but the passion for freedom and autonomy won out. They had a purpose
and the passion to fulfill that purpose.
Unfortunately, over the next couple centuries human nature
played both it's positive and good cards and it's negative and evil cards.
Greed and corruption, two fairly dominant human traits played out. The middle
class was carved out. The unions were formed. Public schools became the
standard. Each of these influenced what has become the mainstream, traditional
American lifestyle. Unfortunately, in my opinion, all of this has led to the
demise of what was originally termed the "American Dream." The dream
went from seeking freedom and opportunity to do and be anything and anyone you
wanted to become to seeking security and measuring success by the amount of
money and unnecessary stuff a person could accumulate (while also accumulating
huge debts in the process) thus, relinquishing the personal freedom and many
kinds of opportunities.
The "American Dream" was born out of the
Declaration of Independence. However, as we all know, at that time we were not
all "created equal." There was a large population of slaves (mostly
black, but some white) who had no opportunity. Women had minimal property rights
until the 20th Century. They also didn't have the right to vote or hold public
office. They were primarily relegated to housekeeping and childcare work.
So, the, so-called, American Dream at the nation's birth
wasn't equally shared and enjoyed by all members of the emerging new society.
Many things have driven change in this country and the American Dream has
changed and evolved right along. But, for those (primarily white men and
especially those who were born into some position of influence) who chased that
elusive dream, there were wonderful opportunities and fulfillment.
Certainly, while things are still not completely equal,
there are many Black, Asian, Hispanic and those folks from other origins as
well as women, who through purpose and passion have moved up the ladder and
made significant achievements.
The Changed American Dream
But, as all of this has happened, the American Dream has
changed as well. Many consider the American Dream to be dead or virtually
impossible to realize any longer. That's probably because the fulfillment of
the Dream is now equated with living in larger and larger, more costly housing
and accumulating more and more stuff. In order to acquire all these trappings
of, so-called, American Dream success, credit has been expanded. Most homes are
mortgaged to the hilt. Cars are now either leased or have financing as long as
six years. Plastic money (credit cards) has expanded, as has the accompanying
debt, to astronomical levels. And advanced education costs so much as to leave
many young people in huge amounts of debt as they start life out.
Unfortunately, it appears that the original American Dream has been corrupted
to being buried in debt by the accumulation of stuff. Those in poverty now can
often actually live as well, and in some cases better, by living off the public
dole financed by the, so-called, productive members of society, only numbering
about 50% of the population. The old saying, "the rich get richer while
the poor get poorer," seems to be fulfilled. We see a huge and growing gap
between a, generally, very greedy wealthy class, a collapsing middle class and
enlarging poverty class.
I was fortunate (or maybe not so, in some ways) to have
earned two college degrees at a time when it was still affordable and I didn't
have to face a life of unforgivable debt. But, I still remember many of the
successful people of that time didn't have college degrees. A college education
wasn't an absolute necessity for success. It could open some opportunities.
There are many examples of college grads that ended up working for those who
didn't hold college degrees. My father was one of those examples. He never
earned any degrees, but parlayed a couple night school drafting classes into
becoming an in demand non-degreed electrical/mechanical design engineer in the
emerging aerospace industry with degreed engineers under his supervision.
Contemporary examples include the late Steve Jobs, Bill
Gates, Michael Dell and Mark Zuckerberg, among others, who are indisputably
four of the most successful men in the world and don't have college degrees.
And, don't forget Henry Ford, Thomas Edison and Walt Disney (a high school
dropout). The point here, again, is that they grabbed the literal meaning of
the original American Dream. The trait and motivation they and so many others
like them had was a defined purpose and the passion to achieve their dreams.
This is true in all fields of endeavor.
A Welfare Society? Some Work To Support Those Who Don't!
Now, it is not and never has been my position to pass
judgment on anyone. People are people. Some of us will achieve great accomplishments,
realize great success and probably accumulate great wealth of some kind in the
process. Others, will become the "worker bees," a term I never liked
and still don't, but as in a beehive, these are the members of society who do
all the day to day tasks of keeping the society (hive) functional and, in
general, healthy. And then there are the less fortunate people. Some of them
are just plain "bottom feeders." They contribute little, if anything,
to the society and live off the productive members. There are also those who
weren't dealt a very good hand in life. They may have physical and/or mental
limitations. There are also those who have fallen from a better position in
life to a lower or bottom rung for a variety of reasons. Some of the circumstances
were of their own invention while other circumstances were just destiny.
The amazing thing is that there are many examples of people
who grew up in abject poverty and despair through the circumstances of their
birth, yet, they went on to carve out the stepping stones to a successful life.
They discovered their talents. They may have been blessed with great athletic
abilities or artistic or musical abilities. They may have had a superior
intellectual ability and were able to impress the right people, thus, opening
doors and opportunities for themselves. Skin color, ethnicity and gender didn't
stand in their way. They found a purpose in their lives and they grew a burning
passion to win that Olympic Gold Medal or work their way up through the
military ranks to become a high level officer or kept inventing things until
one of them captured the attention of the right people or wrote and/or
performed music at every opportunity until someone who could open doors finally
heard the person. There was no magic. There was no real secret. It simply took
a defined purpose and then a burning passion to achieve and live the life the
individual wanted.
I won't discuss the bottom feeders or those who use their
abilities to go into criminal enterprises that create pain and harm others to
their own advantage. They are, unfortunately, ever present. But, also
fortunately, the worst of them seem to be a very tiny percentage of the
population of most societies. There are, also, those who are conditioned by
their parents (if they even know who they are) or other influences to beat the
system. When you teach someone how to fish or hunt or grow food, they can eat
for a lifetime. When you simply give them handouts, they learn to stand there
and wait for the next handout. Their purpose in life becomes to be the best at
doing nothing productive and expecting handouts. Their passion becomes to
manipulate the system so they live the best they can while doing nothing
productive in return. In the animal kingdom we would call this leeching off a
host.
Rewarding Non-productivity
Unfortunately, when you reward this behavior by making it
easier and easier to be on the dole, as it appears has happened in western
Europe, England and the U.S., this segment of society grows and lives off the
segment of society that will eventually diminishes in size as they realize they
are being fleeced. In the U.S., current estimates are that 15% of the
population receives SNAP (food stamp) benefits each month. This doesn't include
the myriad of other local, state and federal programs that support those unable
or unwilling to support themselves.
Now, believe me, I'm not a person who wants to see any of
our children or even our adults who are disadvantaged for a period of time be
undernourished or starve. However, where there is no "payment" in
return in the form of doing something productive for the community, state or
country, where is the incentive to have any purpose or passion to achieve on
your own?
Channeling Purpose and Productivity
So, not to belabor an issue that's a political hot potato, I
have to wonder what we can do in this country to inspire and motivate people to
want to find a real purpose in their life and to light a burning passion to go
after that purpose. In my case, I've been an entrepreneur all my life. I've
created several businesses and along with those businesses I created jobs and
work for other people either as employees, contractors or suppliers. I've
realized some of the rewards of being a productive member of society. And, I've
reached a point after doing this for over 50 years where I decided to
reevaluate my lifestyle, my needs, my wants, my purposes and my passions. Some
consider me retired, but I don't recognize that word in my vocabulary. Others
may think I'm living off the taxpayers because I draw my Social Security
benefit - which I involuntarily had to contribute into for over 50 years along
with my Medicare coverage that I contributed to for 48 years. I might add that
I cannot live off the stipend I receive from Social Security in today's economy
and I have to pay for portions of my medical care just as I had to before
Medicare and I had regular health insurance.
But more than that, I NEED purpose in my life. I need a
reason to get up each morning and plant my feet on the ground and get up and
get moving. I also NEED something to be passionate about. Oh, sure, I could be
like the extreme political liberals or conservatives and run around ranting and
raving about something I can't change like what's right or wrong with our
government (and please, don't tempt me). But, as I didn't stand in "peace
vigils" with Student Peace Union during the Vietnam War era, because I was
busy working on productive things that actually could make a difference, I
don't waste my time on politics because there is no percentage in it.
So, here I am, 68 years young and I still have some
unfulfilled purposes in my life. Hooray! I have some burning passions that need
to be fanned. Yes! While they are entrepreneurial in nature, they are socially
entrepreneurial. This means that while they have some basis in a business
structure, the ultimate purpose, other than supplementing my small Social
Security monthly stipend, is to further some things I'm passionate about. And,
of course, these purposes and passions encompass my "living free"
lifestyle and my yearning to freely wander as a location independent individual
to explore and learn about this country and the world, to experience things
I've yet to have the pleasure, experience or adventure of and to meet as many
interesting and fascinating people representing Americana as I can. You'll
learn more about these purposes and passions of mine in the near future and
I'll be looking for input and, in some cases, assistance as I pursue them.
Monday, May 20, 2013
Freedom Requires Courage . . .
Freedom
Requires Courage! I find those three words about as compelling and impacting as
the late M. Scott Peck's opening statement, "Life is difficult." in
his best selling classic, The Road Less Traveled.
Indeed,
true freedom does require courage. I picked up this thought from a fellow
responding on one of the Yahoo groups I subscribe to about Vandwelling. One
individual posted about his solution to acquiring a van type vehicle to travel
and live in and others were weighing in with their thoughts on the subject.
Steve
A., posted his contribution to the subject and it went like this, I quote him:
. .
. I avoid debt like the plague. I count being debt-free as important
as regular maintenance. A credit card for emergencies is wise, but don't
trade your freedom to the banksters except as a last resort. Debt = slavery,
and it will destroy your peace of mind. Rent is also a losing proposition,
helping to pay someone else's mortgage. No property means no property
taxes. Van dwelling is considered hostile by the authorities because they can't
stand the thought of people not being chained to the economic
"system" and not slaving to pay taxes. Freedom requires courage,
which is why van dwellers are the most interesting and thinking people you will
find.
I
think it's important to clarify that van dwelling or full-time RVing people do
not evade taxes. They simply choose to avoid paying any tax they feel they are
not legally bound to pay. So far, there is no "law of the land" that
I know of that demands, commands or in any other legally binding way requires
anyone to own real estate or help anyone else finance the other party's real
estate and pay that party's real estate taxes through the rent they would pay
to occupy the other party's real estate. In other words as ruled by the U.S.
Supreme Court, "The legal right of an individual to decrease the amount of
what would otherwise be his taxes or altogether avoid them, by means which the
law permits, cannot be doubted." So, avoiding paying any taxes you are not
legally bound to pay is fully sanctioned. This is not to be confused with evading
taxes that you are subject to by law or tax code.
Many people make decisions and choices in life that are, all
too often, influenced by misinformation, lack of knowledge, intimidation and
fear. The tax codes and all the levels of taxation one may be subject to
including local city or town, county, state and federal are voluminous and
intimidating. Many people take the "safe" route and pay everything
they believe they must pay. They live their lives believing they must live
within the lines or inside the box that seems to be the standard established,
once again, by an unknown committee of people or authority we refer to as
"They."
That's the reason Steve A's comments and most significantly,
the three words, "Freedom requires courage," really were meaningful
to me.
Condemning the 1%
It never ceases to amaze me when people bad mouth and
condemn the "so-called" 1% or the "Rich" people for not
paying their fair share of taxes. The problem is, in probably 98% to 99% of the
cases, the 1% have indeed paid their fair share as prescribed by law. And, why
shouldn't they? They have been blessed with the good fortune to be wealthy.
They can afford to pay their taxes. The problem is that those who haven't been
as financially blessed see things through a "them and us" filter and
pass judgment using a double standard. But, the wealthy pay CPA's and tax
specialists to go over their finances with a fine tooth comb and prepare their
tax returns taking every legal tax deduction, exemption and credit allowed by
the current tax code of the current time. Most very wealthy people contribute
more money annually to qualified charitable causes than the average family
earns in a year and sometimes as much as many average families earn in a year.
I have a personal friend who is very wealthy. No! He's not a
billionaire, not even close, but his net worth is still far more than most
people could imagine. His church wanted to buy a new concert grand piano for
some of the fine concerts and musical events the church sponsored and hosted.
The piano was going to cost $35,000.00. Now, that's a lot of money. He knew the
congregation couldn't raise that kind of money within any reasonable time. So,
he told the pastor to present a fund raising proposal to the congregation to
raise the money. This gave the congregation a feeling of "ownership"
in the project; they had "skin" in the piano. They set a time limit
to raise the funds. When the deadline was reached, a brand new $35,000.00 piano
graced the front of the sanctuary. In fact, the congregation had only raised
$10,000.00 of the $35,000.00 required for the purchase. My friend funded the
other $25,000.00. However, the congregation never knew that. They believed they
had raised those funds. My friend stipulated with the pastor of the church that
his contribution was to be kept in total confidence and go to the pastor's
grave with him or the deal was off. In other words, my friend wanted to remain anonymous
and allow the rest of the congregation to believe they had achieved this
worthwhile goal.
This
goes on everyday in our country, hundreds or perhaps thousands of time a day.
So, why should these wealthy people not be able to take advantage of the tax
laws as written? But, there are factions in our society that want to create
divisiveness. It could be in government, religious organizations, educational
institutions, the corporate world and other places including within families.
The fact is that nearly 50% of the people in this country don't pay any taxes
at all. They have no skin in the game, but they condemn those who do pay taxes
for not paying enough. In fact, many of those who don't pay any taxes not only
don't have any skin in the game, but their share is being paid by those who do
pay. And, further, these same people are actually receiving financial benefits
(often referred to as entitlements) from the tax funds of those who are paying
their fair share. I'm not passing judgment against anyone. It is truly
unfortunate that anyone finds them self in a financial or medical situation to
need such financial benefits. However, my point is that those who are not
paying any taxes are actually using the same laws to not pay any taxes
that allow the wealthy people to avoid paying some taxes. It's one of
those double standard situations I mentioned.
Freedom
Requires Courage . . .
It
truly does require courage. First, you must be willing to become educated and
stop being influenced by those who are misinformed. Some one much wiser than me
once told me when I was a young man, "If you want to learn how to make
$100,000.00 per year, you have to listen to and learn from people who are
making $100,000.00 per year. Do not expect ten people who each make $10,000.00
per year to show you how to make $100,000.00." Now, that sounds pretty
simple, doesn't it? Of course it does. That's because it is a simple truth and
fact. And, most truths and facts can be broken down to the simplest and most
common denominator. Don't get your tax information from hearsay and others who
have never had to file taxes or who don't have to file taxes because their
income is so small.
Second,
freedom requires the courage to stop living in fear and being intimidated by
the government (at all levels), in the case of taxes. Becoming educated in the
tax knowledge that impacts your life is one way. "Knowledge is
power!" Then you can't allow yourself to be intimidated by the people who
you pay to work for you. Remember, every government employee, no matter at what
government level and no matter what his or her job is, is paid from taxpayer
money collected from the hard working, productive members of the private
sector. Governments don't do anything that produces revenue. They get their
money by collecting (or confiscating as they just did in Cypress) money from
the private sector. The only place money is produced is in the private sector.
Every
government at every level has a department of tax collection. The most feared
agency in the U.S. is the Infernal Revenue Service at the federal level. I
almost had to vomit while listening to some of the testimony, under oath, by
the acting (forced to resign) head guy of the I.R.S. about this current scandal
targeting specific kinds of organizations and individuals for political
reasons. This is no different than the way dictatorships, communist and similar
governments target their opponents and dissidents. If this man were a civilian
in the private sector, he'd be facing a judge and a jury and probably facing a
lot of years in prison for, among other things, perjury, obstructing justice
and criminal negligence. Instead, he'll likely retire on a six-figure income
with a bounty of additional benefits at taxpayer expense.
It
requires courage to stand up for what's right and your personal freedom and my
personal freedom are our right. It's not the amount of money we don't have that
deprives us of our personal freedom. It's the amount of debt we get into that
deprives us of that freedom. It's the misinformation, the lack of knowledge,
the fear of the unknown that may befall us if we don't march in step with some
authorities' drummer and buckling to intimidation of a variety of thugs in our
society. It's not much different than "protection rackets" operated
by organized crime lords. They just have different titles including I.R.S.
agents, bill collectors, bankers, bosses, neighborhood bullies, police officers
and you can add any other labels and titles you want to.
Yes,
Steve A. is right, "Freedom requires courage . . ." People who choose
to live free have to, at some point, take a stand in their own mind and heart.
If you want to live free you have to define what that freedom looks like and
how you define it. You have to determine the cost since you know that freedom
is never free. You must stop being intolerant of others. Some of the others are
the people who have become known as the "1%." Sure, there are some
real greedy, exploitive, uncaring people in that group. But, remember, you may
be partially or even completely living your current lifestyle because of the
generosity 1% or the businesses they created that provide jobs. And, believe it
or not, if it were to be your dream and goal to become a member of the 1% you
could do it (a lot easier than winning a half billion dollar PowerBall
lottery). So, you might actually become one of those that a lot of people loath
and condemn. Are you really a bad person?
You'll
have to prepare yourself by learning all you can about the choices you are
making. That knowledge becomes the power to face the thugs, their intimidation
and not fear the unknown because you're making it known. This may take you
days, weeks, months or even years to fully achieve. You may not be ready or in
a position to walk into your bosses office tomorrow and tell him or her to
"take this job and shove it." That's probably not the best way to do
it, anyway. Then you have to decide on a myriad of details. Where you'll live.
How much space you'll need. Will it be a fixed location or on wheels? How much
money will you require to live as you've outlined your living free lifestyle?
Where will that money come from? What things will you pursue with your freedom?
And there will be other things you'll have to determine. Then you can begin
making the changes and moving toward your living free goal.
Freedom
is both intoxicating and additive. I know very few people who ever want to go
back to their former lifestyle once they have experienced living free. While
I'm still becoming acquainted with a number of people who identify themselves
as van dwellers, I have found them to be one of the most interesting groups of
people I've encountered in my lifetime. They are all very individual. They are
intelligent and resourceful men and women of all ages from young adults to Golden
Agers, from a variety of backgrounds and careers and they all find interesting
ways to support their lifestyles. And the thing they all have in common is that
they love their freedom.
Be
Courageous! Live Free!
Monday, April 15, 2013
Living Free Quick Start Program!
Living Free or at least living freer seems to be catching on
as a lifestyle trend. I hear more people talking about the idea all the time. I
see people taking a variety of steps toward gaining or regaining the personal
freedom they want for themselves and their families. If you've been reading
this blog for a while, you know that living free is my mantra. We live in a
very complicated society with way too much "stuff" that costs too
much money to buy, maintain, store and insure. There are so many facets of
daily life to attend to, cope with and keep up with. They all breed stress,
anxiety and, often, depression. Living free requires making some choices then
taking positive action.
Two years ago I developed a 12
Step program for Living Free. You'll find each of the steps described in
greater details in subsequent posts. But, let's face it. Like with many things
in our life, we are very often in denial. It's one of those "can't see the
forest for the trees" kind of things. In other words, we are so wrapped up
in the details and minutia of daily life that we may be missing the important
and most meaningful things life has to offer.
I also know that how I define living free and my lifestyle
choices may not relate to your definition and choices. Each individual is going
to have very different ideas about their own life. That is as it should be.
Biting off a 12 step program or plan may also sound very ponderous. Heck! Life
is already too complicated. Who needs to attempt taking on a 12 step plan that
can involve a multitude of choices and changes to implement?
K.I.S.S.
So, let's apply the K.I.S.S. principle to making your life
freer. The objective is to feel and live freer then you currently are. The
result of living freer should be more harmony and happiness. So, to Keep
It Simple Sam or Sally, I've created a simple,
effective, 3 step plan to get started down the road to living free.
The three steps are:
1. Simplifying
2. Downsizing
3. Economizing
Here is the hypothesis. If you can simplify your life by
reducing the number of details and minutia, downsize by eliminating some thing
or some things that drain your time, energy and resources for a minimal useful
or psychic return and econimize by cutting out expenditures that have a
negative return or, at best, a minimal return for the money spent, then you
should begin realizing a freer life and lifestyle. Does that make sense?
1. Simplify
Once again, even these three steps can look daunting if you
attempt to eat the entire elephant in one sitting. The most effective way to
eat an elephant is one bite at a time and that's the way you should approach
making the choices and changes to achieve a living freer lifestyle. Look at it
this way. If you can eliminate one daily or weekly function in your overly busy
life and that frees up one hour per week, that's 52 hours a year that you will
reclaim and can now rededicate to something more meaningful or productive or
relaxing and probably all three.
2. Downsize
Can you think of a single thing in you life or in your home
that takes up space and/or time to store or maintain? Perhaps it's a closet
full of old board games or even obsolete electronic games that have been
replaced by something newer. I have absolutely no doubt that there is at least
one thing that you can do without. Most likely you can think of many things,
but just start with one. If that space was vacated it could be reassigned to
something more relevant or, better yet, it should multiply into greater
downsizing in the future, possibly even a smaller home or business location.
3. Economize
One of the biggest challenges most everyone faces in our
contemporary society is financial issues. You don't even have to listen to the
news, cable news analysts, read the newspapers or most any serious periodical
to know finances are one of the most significant issues for most people. And,
this isn't only a U.S. domestic issue. It's global. The exciting thing is there
are so many ways to economize and become more frugal without denying yourself
of a very nice lifestyle. In fact, by becoming more frugal, you're going to
find the resources to live better and freer. It's like getting a tax free pay
raise.
Suppose you can economize by saving $50 per week on various
things that may not really be as important as you thought they were or they are
recurring expenses that have outlived your interest or their usefulness. This
will result in $2,600.00 of tax free found money per year. Will that make your
life better and freer? Will you and your family or significant other (if you
have them) happier? That found money can do a lot of things for you including
getting you out of debt and contributing to a future, financially secure living
free retirement, maybe even an earlier retirement.
No Rocket Science Required
So, are you with me on this? I know this sounds simplistic,
perhaps, overly simplistic. But, I said we were going to apply the K.I.S.S.
principle, so the operative word is simple. Unfortunately, it's often
the simple things that are overrun by the complex details of life. Also, I
can't tell you precisely what you should simplify, downsize and economize. I
don't know your life. However, let's make this perfectly clear. This is not
rocket science or brain surgery.
21 Days and $24,000.00 Tax Free
In 1982, I was attending a friend and client's seminar on
closing sales. Now, I make it a point, anytime I attend any function,
especially an educational function, to gain something from it. One nugget of
information or an idea can positively change a person's life. At the seminar,
my friend, Dave, discussed a book I had read years before this particular
function. The book was Psycho-Cybernetics by Dr. Maxwell Maltz. In the
book Dr. Maltz said that it takes 21 days to make or break any habit, good or
bad. I was already familiar with this concept, but I decided that was going to
be my takeaway from this particular function. I thought about it and finally decided
I was going to stop drinking coffee. I didn't have a problem with coffee and I
liked coffee. But, I realized that it was a habitual aspect of my life, as it
is for the vast majority of adults.
That day in 1982 was the last day I drank a cup of coffee.
It's 31 years later. I still like coffee and I can drink it any time I choose
to. But, it is now a habit to NOT drink coffee. I like it, but I didn't and
still don't need it. I can't tell you how much money not drinking coffee has
saved me over the years, but I dare say it's well into the range of several
thousand dollars. Just one cup of some kind of premium coffee each day, seven
days a week at an average of $3.00/cup is a savings of about $1,095.00 per
year.
One Target, But A Triple Score
So, let's examine this. First, this one choice has
simplified my life. I don't have to plan stops at any of the variety of places
that sell such premium coffees. At one stop per day at about 10 minutes per
stop, that's nearly 61 hours per year that I've gained and made my life
simpler. Second, I don't have a car full of empty coffee cups and I don't have
a coffee maker to take up space, clean and maintain. That is one less thing to
complicate my life - by downsizing an appliance and accessories I don't
require. Third, I've already economized by nearly $1,100.00, but add to that
the savings from not buying coffee grounds and other fixings for making my own
coffee. That's an additional savings of probably more than $300.00/year.
So, one lifestyle choice has simplified my life, downsized
my "stuff" and given me about a $1,400.00 to $1,500.00 tax free raise
each year. Average it out over the years to $800.00 to allow for inflation
since 1982 and I've realized about $24,000.00 of simplified life. Not bad, huh?
That's the price of a reasonably nice new car or several nice vacations or it
could earn some nice dividends in a retirement plan.
And, of course, I can (and have) done this with other facets
of my life. They are all personal choices for MY lifestyle and may not relate
to your choices or lifestyle. The other significant thing to illustrate the
K.I.S.S. principle is that I only chose one facet of my lifestyle and it
positively impacted the three steps I'm suggesting you consider for starting to
live freer.
K.I.S.S. - A Reprise
Here's another thing to include in this equation. Whatever
facets of your life you choose as your first stabs at simplifying, downsizing
and economizing, they don't have to be major things. Going back to the elephant
illustration, choose small things initially. Believe me, when you take a look
at your week, you're going to be saying, "Boy, if I didn't have to do this
one thing, my life would be simpler." Or, "If I could just get rid of
this thing I never use or wear any longer I'd have more space and feel less
cramped." And, "If I cut back on this one expenditure a little each
week or I walked to the park or gym instead of driving and burning $3.50 to
$4.00 per gallon of gas instead of calories." You'll never notice the loss
of whatever it may be. However, you'll sure begin to realize the positive
benefits and improvement to your life. You'll realize that you're just a little
freer then you were. And that, my friend, is the whole point. You can live a
freer and happier life.
Remember what I said about habits taking 21 days to make or
break? Once you get in the habit of finding ways to simplify, downsize and
economize, you will have developed a proven and positive habit that will serve
you for the rest of your life. You may wish to adopt a question I always ask
myself when I see things that catch my eye. "Can I live without
this?" By learning how to say yes to that question most of the time,
you'll have more time, need less space (reduce your carbon footprint, too) and
have more money to save, go on vacation, educate yourself and your family with
and anything else that will fit into your living free lifestyle. The major
result is that you're going to be freer and happier and, heck . . . isn't that
the real bottom line, anyway?
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Thursday, February 21, 2013
12 Steps for Living Free - Revisited
This is my 2013 update on this particular post. As I've
indicated earlier, I’ve been on a personal quest to live freer and happier all
my life. But, for the last four and a half years, at this writing, it’s become
the main focus of my life. I’ve learned much during this period. I guess I
could say I’ve minimally “earned” another masters degree and, possibly, a PhD
in Living Free. The path has been interesting, exciting, challenging and,
often, difficult and, sometimes, painful. We live in a very complicated world,
it has become more difficult since the last time I updated this post and I dare
say that it will only become more complicated in the future.
In The Beginning . . .
Fifty to sixty years ago, when I was a youngster and a young
adolescent, life was pretty peaceful, relatively speaking. I was born just
before World War II ended and the following year the Baby Boomer Generation
began. It was a time when the economy began to boom as a result of the war
effort finally ending the Great Depression. There were programs like the GI
Bill to assist service men and women returning from the war to gain education
and to buy homes they could have never afforded before the war. The job market
was expanding as technology began a rapid developmental period.
Then we had the Korean War followed by the Vietnam War
that I participated in as an active member of the U.S. Air Force (and as a
result of the Selective Service System draft). Faster and faster our world was
getting smaller and smaller and becoming a more and more global society. The
U.S. became the wealthiest nation in the world and one of the few Super Powers,
ultimately to become the only surviving Super Power. Change was constant and
rapid. Technology accelerated the changes by leaps and bounds.
Somehow, I became a non-conformist. No! I was not a
“hippie” or “beatnik.” But, I was an entrepreneur and entrepreneurs are, by
their very nature, non-conformists. We don’t see things as they are. We see
things as they can be with the innovations each of us adds to a capitalistic
society. I became a “serial entrepreneur,” always restless and always looking
for new ways to do things that moved business and society ahead. Early in my
business career I bought into the idea that it was the small businesses that
would lead the world by embracing new technologies. My chosen field was
electronic media and more specifically, the growing recording and video
production industries.
I began my interest in electronic media when I was about
11 or 12 years old starting with photography (actually, a graphic-visual medium
at that time, now an electronic medium), then discovering short-wave radio,
becoming a licensed amateur radio operator just after my 14th birthday and
going on to found both the amateur radio club and the on-campus broadcast radio
station at my undergraduate college. I discovered the recording and sound
industries during the first month of my freshman year at Montclair State
College (now, a university) in Montclair, New Jersey. What a ride my life has
been since that time.
But, here’s the rub. I went into business to secure my own
freedom and happiness and, ultimately, created my own form of enslavement. As I
went through the four years of my Air Force enlistment, I met my future wife. I
began to conform more and more to the traditional values that most people
embraced and, in so doing, gave up more and more of my personal freedom and,
with it, much of the happiness I was seeking.
Please! Do not misconstrue my meaning. We still lived a
fairly non-conforming lifestyle in many ways and there were many wonderful,
happy times. My son was born and became the most important accomplishment of my
life. He became an intelligent, capable, productive and FREE member of our
society. But, I had set aside many, if not most, of my personal ideals and
philosophies of personal freedom and happiness.
A Lifetime Later . . .
It was not until I reached my early 60’s that I realized
just how much. During all those years there was a continual gnawing feeling deep
inside that kept telling me that I had sold myself out and traded many of my
ideals, values and dreams for more traditional values and standards. I had
relinquished my free spirit, freedom and happiness for a self-imposed
imprisonment as a “wage slave.” I had conformed to how “they” (those who chose
to live a traditional and conforming lifestyle) thought I should live my life.
Of course, I made that choice freely.
Enter The 12 Steps
I identified and have been developing a 12-step approach
to living free as I’ve been reinventing myself and traveling on my quest to
regain my own freedom and happiness. Sure, 12 step programs are popular for
many things beginning with the Alcoholics Anonymous program. Bill W. and Dr.
Bob first introduced the AA 12 Step program in 1939. Millions have benefited
and the movement has spawned numerous 12 step programs addressing many other
addictions and compulsions.
My Living Free 12-step program is designed to help anyone
who feels trapped or imprisoned by their own thinking and is not as happy as
they want to be. It helps you make choices to break away from whatever you feel
is holding you back from attaining all the freedom you desire, however you
define living free for yourself. Living free should, as a natural consequence,
result in a happier, fulfilled life.
12 Steps For Living Free
Here, then, are my 12 Steps. In this post I list the
Steps and provide a brief description
of each step. Each Step has a link connecting to more detailed information and
implementation for each step.
Step 1. Dreams and Reality – You begin by facing
your reality as it is today. You grew up dreaming about your perfect life –
where you’d live, a lifestyle, who you’d marry, a family, what you would do
(occupationally or professionally) to support yourself and your family, your
adventures, travels and so on. Dreams always evolve as you grow and experience
life. What happened? Life happened, that's what. What is wrong and right about
your current life? You know that you’re not truly happy and you never seem to
have time to do the things you want to do. This is where you find yourself
asking the question, “Is this all there is?” It’s time to take your dreams out
of that dark closet, blow off the dust and revisit them.
Step 2. Self-discovering – Once you come to the
realization and have accepted that all is not as you feel it should be, then
you can begin exploring what you and your life are all about. This is where you
will find the roots of your discontent, unhappiness and lack of personal
freedom.
Step 3. Taking a Personal Inventory Part I & Part II – It’s time to take an assessment of your
personal assets. This doesn’t mean just your tangible assets, however. It means
going back through your life. What are your core beliefs? What did you learn
from your parents, teachers, religious experiences (if any), and what are your
professional/occupational, educational and training experiences? Who is your
family? Who are your friends? Depending on your age, this inventory could
become a very long list.
Step 4. Simplifying Part I & Part II – Life is complex. The average
person (and family) has to juggle all the complexities of daily domestic,
professional and social life including where you live, relationships with
family and friends, raising children if you have any, the complexities of whatever
your vocation or profession places upon you, health issues, finances, local,
state and federal rules, laws and politics, the economy and the list goes on.
The more we have and attempt to do, the more complicated and clouded our lives
become. Simplifying our lives contributes significantly to achieving personal
freedom and, ultimately, happiness. Simplifying can be done fairly quickly if
it is undertaken in numerous small incremental steps evaluating what is
important and not important in your life as you progress.
Step 5. Downsizing – If you were fortunate enough
to be born and grow up in the United States, no matter what strata of society
you come from, you have accumulated “STUFF!” Stuff can take several forms. It
can be tangible stuff like furniture, books, CD’s, vinyl records, old clothes,
etc. It can also be mental/psychological/emotional stuff (often referred to as
“baggage”) like lost friendships, painful memories, unrealized hopes, etc. It’s
time to let go of this “stuff” and get out of the “Stuff Warehousing
Business."
Step 6. Economizing – This is a serious and vitally
important step. You have to evaluate your relationship with money, investments,
debt and what you really need, financially, to live free and happy. If you are
in debt you are not free. You will likely be very surprised by the outcome of
this step.
Step 7. Avocations & Vocations – Do what you
love and the money will follow. Maybe you’ve heard this before. Living free is
not about having the highest paying job or career you can have. When you work
for money you’re very inclined to become a “wage slave.” Finding YOUR best
Avocation (as opposed to a vocation or occupation) means discovering something
that you love doing and would do for free except . . . people will actually pay
you. Thus, you can earn the income you need to sustain your Living Free
lifestyle while doing something you really love to do.
Step 8. Relationships – Your relationships
contribute a lot to how you define yourself. Very good relationships are
supportive, encouraging, non-judgmental and collaborative. Relationships that
do not provide these qualities are very often toxic relationships and will
drain you physically, mentally and emotionally - and many times, financially.
This is true of professional and personal - platonic, romantic and familial
relationships. In order for you to be free you have to eliminate all toxic
relationships and develop positive, mutually beneficial, supportive and
collaborative relationships.
Step 9. Making Amends – No one, and this includes
you, goes through life without being hurt and hurting others. Most often these
hurtful events are not done maliciously and often without knowledge that you or
the other party has been harboring these painful feelings. To be truly free you
must first and foremost forgive yourself for being human and making mistakes.
Then you must forgive those who have, in some way, wronged or hurt you. And,
equally important, you must seek to make amends with anyone you may have
knowingly or unknowingly hurt. They may or may not forgive you. If they don’t
forgive you it is their burden to bear. You have made your amends and are free
of any further guilt. You can’t be free and carry lifelong guilt on your
shoulders.
Step 10. Giving – What will you give? You’ve probably
heard that you must give to receive. In Biblical terms it was stated that, “as
ye sow, so shall ye reap.” Giving of yourself, whether financially, other
tangible items such as food/clothes/shelter to someone in need or giving of
your time are all ways of giving. You will gain freedom, happiness and
fulfillment from this simple action.
Step 11. Spirituality – This is not about God or
any specific religious belief system. And this is not some “New Age”
philosophy. This is simply about your connection with nature, the universe and
a greater intelligence and truth then you can comprehend. You may choose to
identify your spirituality by any of various names like God, Jehovah, Yahweh,
Allah, Jesus, Vishnu, Buddha or any of a number of other religious and
spiritual belief systems. You may choose to connect through nature. Even many
atheists display forms of spirituality, though they may not recognize it as
such. How you connect with others and with nature is part of spirituality and
that connection helps make living free possible.
Step 12. Creating Your Life List (aka a Bucket
List) – It’s never too early to create a Life List. Like everyone else, you
were born with a “terminal disease” called “Life.” The vast majority of human
beings don’t know when the end of their lives will actually come. So, why,
then, are you putting off creating a Life List of all the things YOU want to
experience and accomplish for yourself before you leave this world? As
far as we know, we only get one time around in this life on Earth. Life and
everything about it is a miraculous gift and we don't get a dress rehearsal.
So, what are you waiting for? Retirement? It may never come. It’s time to
create your personal Life List and take every opportunity to experience and
complete the items on your Life List - BEGINNING NOW!
These are my 12 Steps for Living Free. There are, of
course, other facets of the human experience that also contribute to our
freedom, happiness, well being and fulfillment, but they can all be
incorporated into one of these twelve steps. I’ve defined and explained these
12 steps in more detail in other posts. The title of each of the 12 steps is a
link to the detailed post on that particular step. I hope they will help you
define living free for your life . . . the Greatest Gift you’ve
been given.
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Saturday, January 26, 2013
Predictable
What is predictable? People!
You can pretty much count on the predictability of people
like you can count on the fact that it will be 12 noon everyday at the same
time in whatever time zone you lives. So, what's wrong with being predictable?
Actually, in most cases, nothing. We can predict when the sun will rise and
fall, the tides will come in and go out, when there will be a new moon, when
the seasons will change and how the vast majority of people will live and react
to specific situations.
Based on the premise that we can predict how the majority of
people will live and react to specific situations, anyone who doesn't fit this
pattern is an enigma. It's easy to understand why individuals who
"choose" not to adhere to these predictable patterns are considered
"non-conformists," "outsiders," and "mavericks."
But, are we really all that different?
Well, based on Maslow's Hierarchy of Needs pyramid, no,
we're not. Here is a simple representation of Maslow's pyramid:
Certainly, at the base of the pyramid all our physiological
needs are pretty much the same. But, by the time we move up to the second step
of the pyramid there are significant differences that start becoming
noticeable. The third step, while it seems that we might all be pretty similar,
harbors even more differences. The fourth step opens up more opportunities for
differences. And, in my opinion, probably a majority of people never achieve
the step of true self-actualization.
Two Fringe Groups
There is the general population in cultures and societies
that aligns very closely with the Hierarchy Pyramid. Then, as I see it. there
are two fringe groups.
One of the fringe groups is composed of folks I like to
refer to as Living Free. It's a very minute percentage of the total population.
This living free concept is, of course, the basis for this blog. The unique
characteristic about this living free group is that, for the most part, they
are non-conformists and mavericks. The only credo is living free and choosing
to live differently than the vast majority of the population. Some individuals
in the group live this way due to a variety of
unfortunate circumstances. However, like the early hunting and gathering
bands, they seek the basics of life and carve out a niche for themselves.
Others in this group are in a position where they could
easily choose to live the stereotypical and predominant lifestyle of their
culture or society. Perhaps they have already been there and have chosen to
abandon that lifestyle for one of personal freedom.
Allow me to make some disclaimers. Some of what I'm saying
is broad generalizations. Some of it may be exaggerated for impact. There is no
one-size fits all. But, I'm far from a radical political thinker. And, let's
not kid ourselves. There is no such thing as total freedom in this world. In
some manner we all are influenced and have to bow to "The Man."
However, in a world that has become so complex, expensive,
time consuming or, maybe it's better to say, all consuming, this group of
individuals choose small, compact, simple and economical lifestyles. Some are
embracing a small, but growing movement toward "Tiny Houses." Others
are living in rural locations in small cabins or refurbished travel trailers.
Still others may have chosen to give up the sticks and bricks homes in the city
or suburbs in favor of a nomadic life, like a turtle, with their house on their
backs, living full-time in various forms of recreational vehicles, vans or even
cars. There are even a few who pack a tent and travel by motorcycle or even
walk.
This group of living free, non-conformists, while often
envied by the masses who stay in "The System," are probably the least
understood. I dare say, this group of people may also be the most content,
fulfilled and happiest in the ways that matter most.
The other fringe group is the "Power Class." These
are the people who, consciously or sub-consciously, claw, kick and bite their
way to the top of the various societal structures purely for the heady feeling
of power and/or to achieve great wealth, regardless of the cost. Of course,
none of them will ever admit that openly. They want everyone to believe that
they are there to "serve" you and me and the "working
class." But, don't let that fool you. They are narcissistic power and
greed driven, easily corruptible individuals who will use anyone and any means
to achieve their own ends. You know who they are. They run our governments,
major government agencies, the military, the financial system, the major
industrial complex and so on.
Of course, to be fair, there are a few people who are not
power hungry, greedy, corruptible narcissists who manage to make it into some
of these lofty positions. But, it's interesting how, unfortunately, sooner or
later, they seem to fall into the pattern. One recent example is Lance
Armstrong. Once a hero, role model and the image of overcoming challenges like
his cancer. Today, an admitted cheater, liar, fraud and abuser of anyone who
got in his way.
Listen to the President(s), listen to the outgoing Secretary
of State, Hillary Clinton when being questioned about her failings and those
she led and her leader said of the four Americans murdered in Libya, "Was
it because of a protest or was it because of guys out for a walk one night who
decided they'd go kill some Americans? What difference at this point does it
make?" That's pure arrogance from someone supposedly charged with the
responsibility for the safety and security of her charges and representing her
country, its integrity and its people.
Back to the Predictable - Greece and Spain
So, what does all this have to do with predictability? In a
word, everything.
Why am I bringing up Greece and Spain? It's simple, really.
People are predictable because they will react in similar fashions in similar
situations. Much of Europe has been extremely liberal in government employment.
The governments are over employed (too many people to do the job), provide
large amounts of vacation, personal time, sick time and other time off, cushy
benefits including, universal healthcare, early retirements and large pensions.
Additionally, they have required this same thing from private sector jobs,
usually through unions.
But, someone has to pay for all this. Their tax structures
and revenues didn't bring in enough to cover it all, especially when the Great
Recession, spawned by the U.S. economy, impacted them. The result has been that
unemployment went up with large numbers of government employees and private
sector employees being laid off. Government employees protested in some violent
demonstrations when the government said they had to raise the retirement age
and apply other necessary changes. The two countries where this has been most
prominent have been Greece and Spain, however, Italy, Ireland, France and
Belgium joined in.
It's really quite simple. We want everything, don't want to
give up anything, BUT don't want to pay any more money in taxes to keep taking.
"Don't cut our wages. Don't cut our cushy hours and vacations. Gimme!
Gimme! Gimme! I don't care how you get the money, that's your problem. Just
gimme more." That is the cry of the masses of people who have relinquished
their freedom (and don't even realize it) in exchange for security and
handouts.
The U.S. is facing precisely the same set of circumstances.
Now, the narcissistic leaders in Congress and the White House want the masses
to believe they are going to solve the problem by supposedly cutting deficit
spending by some minute fraction of the total spending and taxing the
wealthiest part of the population. This is pretty much the same thing as you or
me wracking up a $100,000 credit card debt and only paying the minimum due on
the monthly statement, while continuing to spend at a higher rate each year. It
won't work. So, why is it that a simpleton like me, using basic elementary
school and high school arithmetic can understand this, but the mass of the
population doesn't get it. And worse yet, is it that the narcissists in
Congress and the White House don't get it either (that's very scary) or in the
words of our out-going Secretary of State,"What difference at this point does it make?"
I caught a clip on the news last night about the Pentagon
planning to furlough all their civilian federal employees one day each week
without pay to save 20% of their annual payroll for civilian employees. The
employees are already protesting and it hasn't even been officially announced.
Sounds just like Greece, Spain and the other European countries. How about if
we cut back all the salaries of Congress men and women and their staffs, cut
the president's, vice-president's, cabinet members and all of their staff members
by 20%? How about if we eliminated paid holidays, vacations, sick days,
maternal or paternal maternity leave, personal days and pay for days when the
government closes for bad weather? How about if we pared back their pension
plans increased the amount of time in service to qualify for retirement
pensions and made sure they were on the same healthcare plans as the rest of
the population. By the way, it's the rest of the population who have to work to
generate the money to pay the federal payroll and benefits?
We can, of course, carry this down to state and local
government employees, too. The private sector already knows how this feels, but
they're going to have to bite the bullet more, too. Maybe some jobs will need
to be consolidated in the government sector. Maybe we need to close down some
government departments and agencies that are redundant. Why not sell off all
the surplus government property, buildings, resources and equipment that is
tying up and costing capital.
I'll tell you what will happen. The Occupy Wall Street
protests will look like a Kindergarten recess at an elementary school. The
excuses from the Pentagon civilian employees as to why they can't take cuts are
flying like crazy - I have kids in college (so do private sector parents); I have
a sick spouse, husband, whoever (so do private sector employees); I won't be
able to pay all my bills (so do private sector employees and why are you living
outside your means???); etc., etc. Of course, it doesn't matter that the
civilian counterparts in the private sector have been enduring this for at
least the past five years. It doesn't matter that many of the private sector
folks have lost their pensions, IRA's, 401k's, health insurance plans and even
their jobs - and now they're going to have to pay a "tax that will not be
treated as a tax" penalty if they can't afford to buy private health
insurance.
We'll see work stoppages and work slowdowns. We'll see
government employees going on strike (like Greece and Spain). Sure, it's
against federal law for federal employees to strike against the government, but
since government employees are represented by unions (Only 11.3% of the entire
U.S. workforce is currently members of a union and by far the largest number
are government employees), they will do it anyway. The government won't have
the manpower to arrest the strikers, detention facilities, courts and
prosecutors to try them nor the prisons to incarcerate them for their breach of
federal law. So, it will be a moot point.
It's All Very Predictable
Additionally, let's consider the unfortunate people in New
York, New Jersey, Connecticut and other states severely impacted by Superstorm
Sandy. Their losses are unimaginable. Those unfortunate Superstorm Sandy folks
are now whining, crying and becoming more belligerently vocal because the
federal government hasn't dropped all the myriad of other priorities to give
them money that doesn't even exist. Predictably, it's the same thing that
happened with the Hurricane Katrina victims.
But, is it really the responsibility of the rest of the
citizens, who chose not to live in high risk locations, to provide the funds
for rebuilding these homes and businesses in the same risky location? Consider
how much help the farmers and residents of areas along the large navigable
rivers receive when those rivers flood. They know they're going to flood. They
have to account for that. Most of their assistance comes from their own
resources. How about people who build homes in idyllic mountains and forest
lands where wild fires are regular occurrences?
It simply has no end. And, the sad thing is that, except for
the two fringe groups, no one else seems to get it. If you want freedom, you
have to be responsible and accountable for your own actions. If I do something
stupid, that's my responsibility. If I choose to live a lifestyle I can't
afford and my job is eliminated, it's not my employer's responsibility nor is
it the responsibility of my neighbors or the productive revenue generating
parts of society (which the government is not and suckles off, is never weaned
from and continues to become more and more insatiable).
Predictability! While I don't condemn the majority of the
population who have bought into the system (we've all been sold a bill of goods
by the narcissists), I also cannot feel sorry for them. Just as I've made
choices in my life that were detrimental, so have they. But, I don't look for
them to take responsibility for my choices, right or wrong. Therefore, I
predictably see the world continuing down this predictable road to perdition,
still believing that 2+2=22. They won't understand why they are in pain, why
they are sliding backwards and why, sometime in the future, it will all come
crashing down like a house of cards. Life is predictable.
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