The Future of FI-RE
In the near future, readers of the personal finance phenomenon
known as FI-RE will require more than “buy and hold VTSAX.” The following is
what comes to mind when we project 3-10 years into the future. Joining the government
in censorship won’t help for long. There have been people bailing from the United
States since before the FI-RE movement began. There were a few people known as
post-modernists in college who read 19th century history and
philosophy. The thinking was the U.S. is Weimar and what follows the U.S. just
has to be better. That means efforts to repair the U.S. are DOA.
Dealing with inflation
The U.S. Federal Reserve stated inflation is at 6.8%.
Critics of the Federal Reserve state inflation is 15%-20%.
Choosing to buy less expensive groceries, electronics, and
appliances is an idea now. But after you’ve done that, then what?
Advocates of crypto say the $USD is losing value to explain
short-term crypto profits.
Not all stocks will put up market beating and inflation
beating numbers.
Crypto
The main thing about crypto is defi. You can lend your
crypto and safely earn yields up to 20%. Yields in the 100’s of percent are
very risky.
Bitcoin is just ten years old. The BowTied Bull reminds us
we are still early to crypto. The Bull tells us to buy crypto and put it on our
digital wallets and leave it til 2030-2035.
Plenty of marketers claim privacy is assured with certain
cryptocurrencies and related products. My response is probably not for long.
What stops the government and mega tech corporations from
monitoring everything we do?
NOTHING.
For all human history, when currencies collapse,
alternatives are preferred. Look at Robert T Kiyosaki’s experience buying gold
in Vietnam.
Self-education
The masses are increasingly becoming convinced that traditional
education isn’t worth it. Everyone knows people who’ll never be able to repay
their student loans.
There are millions of info products. From memes to quotes to
short videos to blogs, there’s a lot of how-to information available to anyone.
Note how many of the financial blockbuster best sellers
don’t pack a lot of useful info in their books. Note the techniques used to
keep non-elite authors from selling millions of books. Several bad reviews
making false claims or creating any type of doubt about the product derail
sales all the time.
I won’t tell lots of stories, but I will just say: well-credentialled
crook. Theres no one to help you. You must be smart. Go to your grifter church
or civic organization for help and look like a fool. You’ll look like a pawn in a BIG grifter
game.
Lawlessness
People getting away with rioting. People taking bribes while
simultaneously receiving a hefty paycheck. Professionals grifting off contributions
intended to help the most vulnerable in society. Police informing property
owners they have to allow homeless people on their property.
All real in the U.S.A. Watch for (pseudo pseudo pseudo)
influencers to target me and patriots everywhere for thinking outside the box.
Watch them use strawmen and hackers and the network of ninny wahmen.
Pseudo pseudo pseudo? Yes, I first heard that from a dunce visiting
Newberg, OR from Portland, OR, in 2008. Basically a very large security company
said, “Forget books, eat your peas and tell the locals to shut up and tell them
they don’t know shit.”
More recently an alleged conservative Christian passively
aggressively bitched about a FI-RE group on alt social media.
For profit companies have been allowed to lie and utilize
loopholes increasingly since I was a kid. Education isn’t much help for the
wage slave. Politicians can’t fix things because there are so many zips in the
wires. There’s big money in putting down opposition before it organizes. Case in
point CR@PSU.
Look at the doctrines of many student organizations from
churches to student leadership and etc. Grifter junior mafia assholes have
terrible beliefs and dogmas. They are told and they tell others feel good pop
psychology platitudes as if they erase intent.
Security
As the sharpest individuals accumulate wealth, they need to
protect it. Security isn’t free. People need guards, alarms, cameras, guns,
safe rooms, nano ledgers, anti-virus software, specialized newsletters that
somehow provide information lawyers and legacy news can’t provide. Mentioning
guns bring lawless cone-serned crazies out from under their rocks.
There are a lot of types of security for each individual need.
Gap between tech/med and everything else
Technology and medical stocks have tended to blow away all
else in the stock market. Having said that, watch for scams. Technology and
medical companies tend to provide better salaries and benefits than 70% of all
employers.
Maintaining finances while virtually homeless
What happens if you decide to travel for a long period of
time? What happens if you lose your job and crash at a friend’s house? Dufus
sharks will smell the blood and attempt to suck it all out. They’ll say, “We
understand. But we don’t know what you’re doing.” Reading law books and forums
could be an idea. I think minimizing possessions and bills and seeing the world
is a great idea. But this goal brings well-credentialled crooks.
Metaverse
If people have VR headsets on all day, why should *we* “invest”
in infrastructure and education? A new dog-and-pony-show will emerge along with
hundreds of other lesser do-and-pony shows: is it right to be in the Metaverse
all day? If you wanna be a moral sounding busy body, there’s a ripe grift. One
could even get into various crimes against VR users.
The technology isn’t 100% here. Ready Player One and Ready
Player Two level tech aren’t available at this time.
Job displacement due to technology
A person needs to be FI before he/she reaches 65.
Anons and their blue checkmark critics
Being anonymous heads off many online and offline problems. Being
that it’s a good solution, grifters bitch. Doxing is huge business.
Private towns and cities
This is just a matter of time. Cities can and do go broke. Then
wealthy person buys it and runs it. Read The Sovereign Individual.
Political Right will win meme wars but will have
victories stolen
Libertarians and conservatives tend to win the meme war,
while progressives can hardly make a pithy meme. Yet, official conservative
organizations distance themselves from people who don’t know “who is actually
to be served.” Plus, conservatives and libertarians in my home state should be
used to stolen elections. But they strive to have “good attitudes” and want to
volunteer to punish people the elites see as a threat.
Political grifters will make promises and excuses and lo and
behold the situation worsens.
Remote employment and its critics
People are increasingly working remotely. Dave Ramsey says
its not as good as being there.
Let’s look at the pro’s of working at home or at the
vacation home:
-
No fighting traffic.
-
You can eat at home.
-
No time lost commuting.
-
Less cash is needed for nice clothes.
-
Less risk of divorce due to “hot” coworkers.
-
No daycare expense for kids.
-
Privacy (but for how long?)
Past as prologue (HUGE clues from the past)
The number one thing about using past as prologue is, every
grifter, virtue signaler, spindoctor and people trying to penetrate the ranks
of the elite will say (if not demand) that history not be a guide.
Let me tell you a true story. If you tell this story, expect
reprisal from kingpins.
In 1984, I had a political job. The representative I worked
for (contracted to) essentially told me he wanted to work for The Federal
Reserve and the LDS church. Politics was not/ is not what people thought/ think.
Previously, on a trip to D.C., an aide told me lobbyists would
pay to hold Congressmen’s piss pot and seek favor. The will of the people in
the district doesn’t even matter.
Looking at the history of Weimar Germany and especially The
Roman Empire is very useful, regardless of what the woke mob and their cucked buddies
dictate to us via the “qualified” opinions of influencers and pundits.
What were you told in your youth about the future? What did
Alex Jones say about the future in 2007? What did technology titans say about
the future when you were a kid? What did scientific futurists say about the
future? What did grifter CCINO demand you and I say about our levels of
prosperity in the future? Who wrote which capitalist manifesto and then
scrubbed it off the Internet?
Who’s record seems the best?
Dumbing us down
Public schools offer a lot of filler instruction that just
helps the house. The outcome is for the student to go to college and learn
basic academic skills there. But that doesn’t always happen.
There is a large divide between people with high IQs and low
IQs. People with bad or outdated information tend to make real bad decisions. People
who listen to legacy media get gaslighted and then are prone to make very bad
decisions. Low IQs listen to advertisements and act like they’ve got some
guaranteed wins lined up.
There have been recent headlines about medical schools and
engineering schools dumbing down their curriculum. When I was young, the
Teacher’s Union was blamed for demanding easier duties which included not
teaching difficult subjects to brats.
Give us donations and we still won’t hear you
This has been the story in Oregon for most of the last 40
years. Look the national GOP not understanding Trump’s popularity. A similar
situation occurred when pop icon Michael Jackson married supermodel Brooke
Shields. Mikey didn’t know what to do.
“Deaf donations” are common outside of politics. Look at
churches and charities. Look at pressure groups and civil rights organizations.
There are organizations that have been relentlessly fighting x for so long, but
the problem just gets worse.
UBI/UBL
Universal Basic Income was floated during the 2020
primaries. Silicon Valley and interested parties elsewhere touted the idea
because of increasing homelessness and the threats of automation and AI.
(Trump vowed to help homeless veterans but while in office
said homelessness is a state and local issue.)
A Universal Basic Living allowance was floated by the
BowTied Bull. UBL would be an allowance for people with low incomes to help
with keeping a roof over their heads and food on the table.
Sales practices will get worse
One Summer while in college, I sold cars. One manager during
a sales meeting said, “Every sucker is gonna lose his wad anyway, make him blow
it here!!”
I believe its going to get worse. How about this? “That
young man may be broke now, but we can get his future income and future assets
and make his employer and landlord’s lives miserable. Now, in 2021-22 they can angle for his sperm too.
Doxxing will become more common (like kidnapping and
extortion)
Driving an expensive sports car or living in a mansion makes
you a target for serious crime. Being at a meeting practically anywhere can get
you doxed, defamed, and on various lists.
For years, I’ve considered writing a book for College
Republicans. I recently decided against it, because of the threat of doxing, crime,
and authorized but unwanted attention is too great of a threat.
You can be anonymous online. Screw the critics and the non-judgemental
pop-psychology peddling (Leftist) idiots.
Legalized grifts
Local kingpins, well-credentialled crooks or whatever you
want to call them know the law and legal loopholes. They can publicly say one
thing and behind the scenes be a bottom fishing org.
The Two Great Diamonds
Former banker and current consultant Aaron Clarey says,
“Sanity is the future of wealth.” Just as important is self-esteem. The two are
connected and related. I once drew the friendly fire of a country
comedian (doubtlessly a Bush-bot) who said in the middle of his routine
self-esteem isn’t important.
It may not be important to the elites. But it certainly is
to individuals pursuing FI-RE.
Other great diamonds are beautiful and virtuous women.
Another great diamond might be healthy sperm.
What the post-modernists wanted over a hundred years ago is
here. What you choose to tell your tribe about it matters. If you ignore all
investing besides VOO and VTSAX I feel your tribe swore an allegiance unnecessarily.
Sure, find a recently minted cuck and use him as a battering
ram. Why is the guy who sold out and drank the commie cool-aid a person to
emulate?
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