Don't Complain About Being Broke When You're 100% in Debt

Being 100% in Debt

Fact: you can save money, and purchase a house with cash.  Fact: you can save money, and purchase a car with cash.  Fact: you can save money, and furnish your entire house with cash.  Fact: you do not need to move out of your parents house... EVER.  Fact: you do not need to buy a car every 3 years.  Fact: you do not need the latest iphone.  Fact: you do not need a credit card.  Fact: you do not need to go into debt or take out a loan... EVER.

I bet you never hear that.  I bet you only see or hear people say what the "American Dream"™ is.  The truth is the "American Dream"™ has been overtaken and redefined by corporate america. I bet you only hear, that living in a house and taking out a mortgage is "normal".

Imagine if noone had a mortgage?  We wouldn't have had a housing bubble to burst.  Imagine if all notes on homes were carried by the owner of the house, without any bank interruption.  Instead of being upside down in a house with outrageous interest rates, you'd be in a much better house, that you'd take legal possession of from day one, with a very low interest rate, if any.

But, people buy into the lie that is the current Consumer Economy™ and think that they have to put their neck on the chopping block and live the Lifestyle.  What's worse, is that people buy into this lie and then complain when they figure out that they cannot afford it.

You have only yourself to blame:

• when you buy a car every 3 years. 
• when you take out a loan to buy a house
• when you take out loans to purchase major appliances
• when you take out a loan to furnish your house
• when you buy the latest iPhone
• when you buy the latest video game
• when you buy the latest laptop
• when you buy the latest fashion
• when you eat out daily
• when you buy ready made food
• when you waste water and electricity
• when you do not help less fortunate than yourself

The US is not in a recovery.  The government is feeding you a line to make sure you stay in line, purchasing.  The government is  feeding you a line, to make sure you vote them back into office.  The government is feeding you a line, to make sure you vote republican / democrat.  The government is feeding you a line, to make sure you don't revolt at them unconstitutionally sending troops into a country's civil war.  The government is controlled by wallstreet and you are being fed line after line to believe in the government.

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Attention to Detail

God is in the Details

One of the severe drawbacks of working paycheck to paycheck is a tendency to not pay attention to details. First, what is living paycheck to paycheck? Paycheck to paycheck means: you are in debt, including a house or car note; you do not have 10 months of expenses in cash on hand; you are one financial crisis away from bankruptcy. The real important concept then is what are the details?

Someone that does pay attention to detail would not take someone's word for granted. A detailed oriented person measure twice and cuts once. They would research everything and make a plan before doing something. We've been led to believe that such a person should be looked down upon. They have made words for such people: nerd; anal retentive; meticulous; worry wart; spoil sport. The is all to get you, the idiot, to stay away from detail and detailed oriented people, and stay stupid.

So what ware the details:

• taking out a loan for anything
• failure to read a loan agreement
• taking a non-liable vaccine, i.e. a vaccine that if damages you, you cannot sue the pharmaceutical company
• voting for a referendum to raise your own taxes, without first understanding that America pays more taxes than any country, except for a very select few
• continuously buying into and voting in a 2 party system
• not holding anyone accountable for their actions - kids, spouses, ministers, politicians, bosses, police
• eating food that is junk [understand that junk food is included in food that is junk, i.e. food saturated with sugars, refined food byproducts and salt]
  
• contributing to your own degenerative diseases by over consumption or ingesting non-health inducing foods
  
• voting to pay for another entire nation's debts [which actually goes into the pockets of big corporations]
• not planning your retirement, nor your heirs' future

To think you came up with the idea that you have no time or that detailed oriented people are no fun, by yourself, is the height of ignorance. Think for a second about all the movies, t.v. shows and news broadcasts that have hammered into your brain, "you have no time" or " he is so anal about the smallest things." Even advertisers jump on the bandwagon with, "you have no time to microwave that dinner, buy this new pre-microwaved dinner, pop open the top to a hot meal ready to serve now." Think back, would your grandpa be caught dead saying, "oh I never have time." He'd say instead, "idle hands are the devil's playground," meaning there is too much time in the day, try to stay busy, or the devil will get you in trouble. And, he'd say "the devil is in the details," meaning pay attention to the details or you will end up making a deal to end up in hell.

I often had friends who told me they had no time for this and that. I would often look at their schedule and find 40% of their time spent on frivolous, non-productive endeavors. They were so busy doing nothing. And, they clinged to this trash time for dear life. Or, worse, they would take on responsibilities at work, which netted them no cudos, no extra pay and no recognition. Instead of them standing up to their boss, or simply not volunteering for extra crap work, they would consider it their duty to do so, and not sit down for one second and realize the details of the matter. Even worse than that, were the friends I had were professionals, owning their own business, who'd engage in minor tasks that did nothing for the overall project and then miss opportunities to generate more income. They would complain about how lackluster their income was, but when I pointed out their missed opportunities they'd ignore it.