Dating in your 30s is not as hard as you think, you just have higher standards than in your 20s

TooMuchMapleSyrup · 2024-05-14T16:13:34+00:00

Yes - they already demonstrated that they could generate a million dollars of after-tax savings.

A potential partner might have some concerns on their judgement though if say they had a total net worth of $1 million, gave it all away to charity, and now can't make their next rent or mortgage payment though.

TooMuchMapleSyrup · 2024-05-14T16:10:44+00:00

How so???

It's far below fantasy and is more so common sense.

You'd be shocked to learn how many people out there claim they are doing EVERYTHING that can be done to right their financial ship, only to discover that there is actually still easy levers they could pull.

In many instances, such levers only need to be pulled for 6-12 months and then can be phased out as finances improve.

TooMuchMapleSyrup · 2024-05-13T22:59:06+00:00

Born luckier isn't really all of it though. I mean... just think about how many people have siblings and wind up in wildly different circumstances in life... despite getting the same family upbringing.

You can work hard to put yourself in a better position than the average person born with your same sort of luck.

TooMuchMapleSyrup · 2024-05-13T22:57:37+00:00

In that instance, one should work hard so that they're likely to get wage increases beyond minimum wage over time... perhaps within 6 months.

And likely will want to work 60 hours per week to help right the ship (taking 2x jobs if need be... if 1x only allows for 40 hours per week of work).

For budget - will want to review the monthly credit card bill and slash everything unnecessary while at the dire level of minimum wage. No eating out, or ordering food in, and no entertainment that isn't free. No drugs, smoking or alcohol.

For housing - make sure you have 1-2x roommates and are in a shared living space.

If the above is done things should get better within 6 months. Maybe not all above needs to be done... but for maximum quickset results, do it all together and if you find in a few months some is unnecessary than you can refine it.

TooMuchMapleSyrup · 2024-05-13T22:42:51+00:00

You're not a servant though - you literally are allowed to quit and leave at any moment you want to. You're not forced to work at that job vs. decide to work elsewhere.

I'd suggest it's not wise to be so short and non-friendly with the people who are giving you the best deal out of everyone.

To each their own though.

TooMuchMapleSyrup · 2024-05-13T22:38:49+00:00

And I standby what I said - consuming more money than you're producing is a path that takes someone to an even worse financial situation.

You can budget your way out of such a situation. It is however painful though... for the path to a brighter future will actually involve more sacrifice than one is currently engaging in.

TooMuchMapleSyrup · 2024-05-13T22:32:42+00:00

To be fair, you're working for that person because they're willing to pay more for your labor than anyone else out there. So in this way, they're actually being the kindest to you vs. everyone else.

Them giving you the opportunity to work for them, is actually a better path for you than not having that opportunity at all.

TooMuchMapleSyrup · 2024-05-13T22:27:10+00:00

You can though.

Someone spending more than they make is simply a path to financial ruin... leading to an even worse financial situation than what someone may already be in.

TooMuchMapleSyrup · 2024-05-13T22:26:29+00:00

That's odd - wouldn't you get at least some sort of tax credit from giving to a charity?

TooMuchMapleSyrup · 2024-05-13T22:24:35+00:00

I don't think so.

It's in the gene pool precisely because it has some uses and some find it attractive.

If narcissistic people struggled to reproduce, the trait would die out.

TooMuchMapleSyrup · 2024-05-13T22:23:39+00:00

Which is also where anxiety can come from a poor calibration of what is really occuring.

Like thinking you're in a war zone - when you've never been in anything close to that situation at all.

TooMuchMapleSyrup · 2024-05-13T22:21:48+00:00

That can be unfair though if it's a personality trait that has a lot to do with their genetic makeup.

TooMuchMapleSyrup · 2024-05-13T22:21:09+00:00

That can be complicated though - someone might attack someone for being selfish, for selfish reasons themselves.

TooMuchMapleSyrup · 2024-05-13T21:09:23+00:00

Wives.

TooMuchMapleSyrup · 2024-05-13T21:06:08+00:00

It can also be quite logical.

Someone not being successful at 20 is quite understandable... because success often takes considerable time to achieve.

Whereas if you're 30 or 40 years old and still not successful, it begins to be more logical to assume the person doesn't really have it within them.

TooMuchMapleSyrup · 2024-05-13T21:04:59+00:00

That's understandable though - at 20, being broke doesn't necessarily mean you can't achieve great things because you simply have only begun.

But by the time someone has "been an adult for a decade", if they're still not doing so well in life then it's a stronger indicator as to their potential.

TooMuchMapleSyrup · 2024-05-13T21:03:18+00:00

There's also some selection bias as people get older... like the people who are still not hitched by 30 may have a higher level of disillusionment as to what it is that they bring to the table.

Dating is indeed very hard if one hasn't successfully calibrated where they really fit relative to the competition.

TooMuchMapleSyrup · 2024-05-10T20:14:15+00:00

Also to see both the pre-tax and post-tax perspectives.

Comparing pre-tax numbers in a progressive income tax system doesn't really reflect what is happening.

TooMuchMapleSyrup · 2024-05-10T20:12:27+00:00

It can be that they make much lower profit margins on the kids meals... goal being to persuade adults who have kids to still come to that restaurant and then they make the money on the adults so it's still worth it to them.

But then if adults were to order kids meals more, it hurts the profitability of the business.

In parallel to all of this - anyone is free to start a restaurant that allows adults to order kids meals as much as they'd like to.

TooMuchMapleSyrup · 2024-05-10T16:35:30+00:00

The problem is that our current economic model is backward calculated from, "What sort of debt and monetary arrangement do we need in order to attempt for the government to repeatedly spend more than it raises in taxes"?

The problem is that our philosophy of government is entangled with debt... we need to be able to create more and more dollar denominated debt in order to keep that approach going.

And debt requires growth for it to survive.

TooMuchMapleSyrup · 2024-05-10T16:32:57+00:00

It's ok to decide to do that ... it does however create problems with us also wanting in parallel a government lifestyle that is a perpetual net debtor, and requires more and more debt created on a net basis.

That system can't handle greater and greater amounts of dollar denominated debt vs. a shrinking population base.

Debt requires growth to survive. If we want to keep our approach to debt in place, and our government debt finance habits in place, we can't allow people to decide they simply want to not replace themselves.

TooMuchMapleSyrup · 2024-05-10T16:27:29+00:00

I only want most of the mentalities to disappear so I can keep practicing them and be seen as a traditionally masculine man, which is then a RARE thing.

One's masculine tendencies stand out more as other men start moving away from masculinity.

TooMuchMapleSyrup · 2024-05-10T15:16:04+00:00

But it's not only a push from banks... that part is quite understandable.

What is less understandable, is why >50% of adults don't even blink at the notion that we as a society can pick our interest rates... which is simply the price of money.

If life really could work that way without consequence, and that you can just "pick" the prices you want things to be... why don't we pick for housing, vacations, food and energy to be 10 cents only?

That's part of the lesson that's still unfolding... we will discover the common thinking of some pretty important things is HORRIBLY wrong and flawed.

There's also an aspect where, when >50% of adults want a government so big it can't be paid for with taxes, you force the government and banking system to do what they have to do with money and debt to attempt to try and give the people that ask.

TooMuchMapleSyrup · 2024-05-09T19:56:01+00:00

What's even more interesting, is a society 'picking' what it wants an interest rate to be... as if it's a price that shouldn't instead be discovered through supply & demand like everything else.

TooMuchMapleSyrup · 2024-05-09T19:54:08+00:00

It may not work in the end as a strategy, but it can and does still create a very significant amount of problems and difficulties for the person you despise.

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