The Post-Boomer Future of Investing

The following article talks about investing.  There are no guarantees in investing.  If you follow this advice you will likely lose everything you have in life including your wife and your dog.  Consult a licensed investment professional before making any investment decision.

A good buddy of mine, Matt Baldoni, was telling me about his investment strategy.  Given the $2 trillion CARES act and latest round of money printing, he was convinced to reallocate his investment portfolio into precious metals and precious metals mining companies.  He believed the new $2 trillion in printed money (and lord knows how much when you consider the M2 money supply and other MS derivations) would lead to inflation and wanted to invest in vehicles that traditionally were hedges against inflation.

I didn't disagree with him.  I too have a position in precious metals (as well as crypto-currency) as a hedge against inflation, even economic collapse.  But I advised him to reconsider investing in the stock market if he really wanted to hedge against inflation because - bar a true economic collapse - the stock market is a natural hedge against inflation and has some other interesting traits that going forward in the post-boomer economy will make it a mandatory part of any post-boomer's retirement planning.

The most obvious reason is that the stock market (at least as we speak) is off 30% from it's peak.  This right now doesn't guarantee future positive returns, but it is much cheaper than it was before and likely (though not guaranteed) will prove to be another "dip" people in the future will lament they didn't take advantage off.  I know people like my friend see the Fed further diluting their currency and have a natural impulse to purchase precious metals, but this is like "Burger Mondays" at your local happy house where a luxury gourmet $13 burger is going for $9.  On price alone, you might want to consider throwing a couple bucks into the stock market.

But this logical reason to invest in the stock market is one of simple price, not necessarily an argument of using it as a hedge against inflation.  And here we need to understand a couple things about inflation and the nature of the stock market to see why the future of investing has changed and has huge ramifications to future generation's retirement planning.

First, what is inflation?

Most people look at the price of a gallon of milk at the grocery store or price of clothes at Wal-Mart.  They see cheap consumer goods and they think inflation is under control.  And the government's official inflation measure - the Consumer Price Index - bears this out.  Inflation has been in control (more or less) since the 1980s and we Americans have not suffered any bouts of major inflation or hyperinflation.

But this measure of inflation is folly because it fails to consider one key and important thing - the average person's personal budget.

It's very nice that the CPI includes 80,000 items in a "basket of goods" that keeps a pulse on prices in the economy.  But these are individual items, many of which people don't buy and when you consider them in the personal budget, do not account for people's largest expenses.  And the largest expenses in your average person's budget are usually:

Rent/mortgage (housing)
Health care
Tuition (if going to college or had gone to college)
Transportation (cars)

And if you're smart enough to be planning for retirement

Investments (in the form of stock prices)

The price of these things have skyrocketed and have consequently wreaked utter havoc on people's standards of living (just ask any Millennial about what they pay in rent).  And since they account for the lion's share of any person's budget, we as Americans already are and have suffered great bouts of inflation.  It's just instead of the price of a flat panel TV or a gallon of milk, it's in our car payments, health premiums, tuition bill, and rent payments that have gone up.

The question is why did the price of those things go up and not a flat panel TV or a gallon of milk. And while cheap foreign labor and a dreadfully boring discussion about "the velocity of money" addresses some of that, it's more our banking system that has caused those large and important budget items to increase more than what the CPI typically covers.

Take for example the stock market.  This is not to bring politics into the discussion, but in an attempt to fight off The Great Recession President Obama quadrupled the money supply.  We are not going to Monday morning quarterback his decision, but the fact remains he did. And while The Great Recession was indeed a horrific recession, we inevitably got out of it, things returned to normal, some would say even great as unemployment dropped below 4% under Trump's successive administration.  But what also happened is the stock market also quadrupled and housing prices tripled (depending on which areas you want to measure), which behooves the question:

Did the value of American houses really increase threefold in a decade's time?
Did the productive economic capacity of the US economy (as measured by the value of the stock market) really go up 4 times that amount in a decade???

The answer is of course not.  Economic growth didn't quadruple.  We as a people did not become 3-4 times more productive.  But we did print off 4 times more money.  And over time, that money found its way into the stock market and housing prices.

The catalyst by which this was done was our banking system.

President Obama quadrupled the money supply.  Trump I think has doubled it since.  And no matter who got this newly minted money - be it a welfare sponge single mom, a defense contractor, or a simple federal employee - it always ends up in the bank (often times direct deposit).  Banks make their money by lending out depositor's money, and they usually lend it out on items people can't afford to pay cash for.  And surprise surprise, it's those same 5 major items that have gone up in price on the average person's budget:

Housing (mortgages)
Cars (auto loans)
Tuition (student loans)
Health care (usually this is afforded through credit card spending to provide the funds for health expenses)

and

The stock market (as US companies have borrowed trillions to repurchase their shares).

Again, the value of your home didn't go up 400%
The value of your health care coverage didn't go up 400%
The quality of cars didn't increase 300%.
American companies didn't increase their future profits 4 fold.
And the value of a college degree CERTAINLY HAS NOT INCREASED 400%.

But our money supply sure has and so the price of these things increased correspondingly.

This presents all Americans a paradox about investing.  Since every politician since Nixon has increased the national debt (bar Bill Clinton) and more recently we've decided to print off trillions of dollars to finance it, it is no longer the true, underlying economic value of a house, a degree, rent, or a share of stock that drives asset prices today as much as it is how much money we're going to print.  And whereas traditionally investors would look at a company's balance sheet, a rental property's Schedule E or the starting salary of a college degree to assess whether they were worthwhile investments, these traditional metrics are almost moot.  Worse, it's not like you have a choice to "invest" in these things.  You need a place to live and are thus either compelled to buy a house or rent.  YOu need transportation and are going to be forced forever to have a car as a major expense on your personal budget.  You need to garner some kind of skill, no matter what the local university will rape you for in the price of tuition.  You need to put your money SOMEWHERE if it's going to have a shot at compounding exponentially to retire before you're 70, even if the profits the underlying investment pay is paltry.  And so what printing off money to pay for deficit spending has done to retirement is make Americans, much like Germans did in the Weimar republic, buy assets regardless of their underlying and fundamental value as merely a place for their money NOT to lose purchasing power. And we're talking purchasing power in terms of living expenses, rent, transportation, education, health insurance, etc.  Not minor and petty things like the cost of a flat panel TV or a gallon of milk.

And thus why my friend Matt Baldoni should consider at least diversifying some of his investments into the stock market.

Because unlike college tuition, health insurance, and transportation, the stock market (and one could argue housing) has an advantage over all those other things - it's the productive assets of the United States, and thus holds the future productive value of the US economy.

Most college degrees today are worthless and pay no divdends and offer no profits into the future.
Cars are a depreciating asset that most vain Americans pay top dollar for to drive while it's "new" while further crippling their personal finances.
And health insurance (though quite necessary) is to get you back to square one, not an investment that allows you to retire in a Floridian condo.

But the stock market is merely owning a share of the factories, buildings, technologies, machines, and networks that produces and is going to produce all our future economy value.  And not only a share in the future productive value of the economy, but one that is naturally hedged against inflation because a widget today will be sold at inflation-adjusted prices as a widget tomorrow, thus given stocks an inherent hedge against inflation.

This obviously doesn't mean the stock market can't collapse, corporations won't go bankrupt, or that bubbles won't occur in the future.  But it does mean that companies (or at least those you can invest in the stock market) and their underlying productive assets do at least hold future value in the fact they produce things of value (unlike say a liberal arts college) and those things are inherently hedge against inflation. And while the stock market will continue to have its ups and downs, if we triple the money supply, over the long-haul you can likely expect over time a tripling of the stock market.  Not because the stock market is a good investment.  It's not.  It's just proven in the past to be a good long term hedge against inflation.

There is no guarantee with investing in the stock market or any market for that matter.  And we could all lose all of our money tomorrow for unforeseen circumstances.  But with the government printing off money to paper over all our self-inflicted problems, that money has to go somewhere.  And since it isn't showing up in the CPI, but instead in our rents, 401k's, tuition bills, and health bills, perhaps you may want to consider diversifying some of your portfolio into stocks that both provide these things to our economy and have a natural hedge built into them against inflation.
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Good Morning Coronachan #16

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"The Only Thing They Have in Life is Their Politics"

This is an excerpt from the book "How Not to Become a Millennial."  It focuses on how - absent careers, economic success, family, or genuine accomplishments in life - many Millennials only have their politics to give them point, purpose, and meaning.  This phenomenon is then termed the "Millennial Political Religion" where things such as feminism, environmentalism, veganism, pacifism, and regular ole socialism become substitutes for traditional religion or other spiritual things that gave one purpose and agency in life.

The conclusion is not good because without anything else to live for in life, these Millennials (and other people who only have politics as a value in life) force their politics on the rest of society because (in short) to create something of value takes effort, sacrifice, toil and rigor, and it's much easier to lord, crusade and virtue signal your politics over society.

You can find the book, and much more interesting philosophical/political observations here.

"Politics is the Last Refuge of Scoundrels

With nothing left to live for, all one has left is their beliefs. And this is the interesting situation/paradox that at least a plurality of Millennials find themselves in today. It’s interesting because in technicality the solution would be to return to school, but this time for an employable degree or trade. But one can completely forgive the Millennials for being a little reluctant to go to college yet again.

“Yes, we know the 13 YEARS of K-12 education we forced you to take didn’t teach you any employable skills. And yes, we know that the additional 4 years of college we more-or-less forced you to take also taught you no skills AND put you into crippling levels of debt. BUT TRUST US THIS TIME! If you go back to school JUST ONE MORE TIME and get a degree in STEM, THEN you’ll get everything we promised you since the Clinton Administration!”

So even though returning to school for a legitimate degree is the correct course of action, as far as the Millennials are/were concerned there was no hope. There was nothing left to do. All hope was lost. So all they had left was the political beliefs their teachers and professors told them to have.

Unfortunately, beliefs (especially political ones) have no value and serve no purpose. They don’t put food on the table. They don’t pay the bills. They don’t prompt you to return to school and study something worthwhile. And they make you powerless to solve your own problems because they take the responsibility to do so out of your hands and outsource it to a “god,” a “government,” an “ideology,” or just plain “luck.”

Worse, the particular political belief system Millennials were programmed with has an “auto-immune” type of virus in it that prevents them from acknowledging their past mistakes and salvaging what they can of their future. Core to this is victimhood politics which is prevalent throughout most left-flavored political ideologies. So if you’re a victim and everything is out of your control and you are completely helpless to stop it, then…

It’s not your fault you majored in “Translesbian Greek Sculpture Diversity Studies.”
It’s not your fault you spent $200,000 attending an overpriced liberal arts college.
It’s not your fault you didn’t learn to code or do well at math.
It’s not your fault you spent your student loans on an expensive flat.
it’s not your fault you had 4 illegitimate children.

It’s the (fill in the blank)_________________.

1. White people’s fault
2. Male’s/patriarchy’s fault
3. My parents’ fault
4. The Corporation’s
5. CIS Gendered people’s fault
6. Republican’s fault
7. Reagan, Bush, GW, Trump’s fault
8. Christian’s fault
9. Capitalist’s fault
10. The Jew’s fault
11. The Russians
12. Aliens
13. Roving Bands of Monkeys Named “Steve’s” fault
14. Whoever your professor and teachers told you it was fault

Criticisms of leftist politics aside, this is the real damage being caused by the victimhood/AIDS like aspect of Millennial politics. The Millennial political religion is programmed completely and entirely around protecting their ego, abdicating them of responsibility, and protecting their feelings, thus making them immune to any constructive criticism. This in turn prevents them from ever identifying their problems, solving them, turning their lives around, and actually attaining success and happiness in what remains of their life. Thus, while their Millennial politics are indeed sweet-tasting lies, these lies damn them to a life of failure, financial strife, and misery.

Insanity

About the only thing worse is the consequential mental pain Millennials suffer as the sweet tasting lies of their political religions never translate to success in the real world. In their minds and according to their religious ideology, it can’t possibly be them. The problem cannot possibly lay with them. It has to be other people. And as the years pass by, with death rapidly approaching, they will become more and more desperate to achieve success as long as it does not violate their religion or place blame on them.

Some might double down and get Master’s degrees in the same worthless field (as it wasn’t the type of degree. It was that they didn’t have enough education). Some will try MLM or other get-rich-quick schemes. Some will wander in the desert of part time, non-profit work, teaching English overseas, perhaps volunteering all in the hopes of *finally* landing that law firm job they went $300k into debt for. Some will join dog rescue shelters or some other form or agency substitution. And some will white-collar-panhandle as they set up “Go Fund Me” accounts to pursue whatever bogus charity-career they create. Long as they don’t have to work, math, STEM, code, or toil. And certainly as long as they don’t have to admit they were wrong.

None of this will work since it is not based in reality, and the process will repeat itself again. Just this time with less sand in the hour glass and increasingly desperate (and doomed-to-fail) options on the table. Alas, most Millennials will die thinking they were a victim, they were oppressed, and it was never in their power to do anything about it. Many will waste billions in calories of energy hating and seething against other groups of people, ideologies, or other scapegoats they erroneously hold accountable for their mistakes. In short they will lead angry, hate-filled, jealous, unsuccessful, and ultimately confused lives. Again, I cannot think of a more tortured, miserable life.

A Generation of Ugly People

But we are not done yet tallying the pain your average Millennial has suffered or will suffer in the future. Because while the Millennial political religion has handicapped them in their professional life, like all religions it influences everything in their lives. And by “influences” I mean “completely ruins.” And by “everything,” I do mean “everything.”

Take for example physical beauty.

Today beauty is verboten by modern Millennial politics. Beauty is a social construct. It really doesn’t exist. Matter of fact, “big is beautiful,” “everyone is beautiful,” and “beauty is on the inside.” And if you disagree, or dare to hold onto those outdated traditional beauty standards, then you’re a sexist, a bigot, and you should be fired from your job. Alas, your average Millennial today gets to look at a never-ending line of morbidly obese women, Soy Boys, effeminate men, boorish women, man buns, and nose-pierced diabetes candidates. They get to look at women wearing baggy cargo pants and men with incredibly dainty and well-manicured fingers. Women who belch and can’t wait to prove how masculine they are. And men who spend more time coiffing their hair than at the gym. The sexes are an affront to the human eye that neither inspires a man to break out in song nor a woman to blush. But it does induce all of us to vomit.

Now consider the long term costs and consequences of living in a physically ugly generation. Why bother? Why get out of bed in the morning? Arguably the most important and fun thing in life is ruined! Men have no incentive to hit the gym, work hard, or become a provider because why would you want to have sex with a loud, tatted-up, obese, masculine woman? And women have no reason to stay thin, eat right, dress feminine, or be sweet because why would you want to attract some neck-bearded NEET who’s living at home with his parents? Beauty is the fuel that powers the human race as it invokes sex which inevitably prompts family formation. But without it Millennials have decayed into an amorphous, androgynous, obese, nose-pierced, tattoo-laden, physically-uninspiring generation. Thanks to their political religion, the one thing that inspired humanity in the past to sing, dance, create, innovate, build, love, and bring forth everything that was ultimately good in life has now been degraded to ”meh.” And Millennials get to sleep in this boring, tapioca bed.

Politics > Love

Also along the lines of beauty – dating, or more specifically, love. Having a physically ugly dating pool is doing nobody in the Millennial generation any favors. But do you have to make it overly-complicated with politics too?

Apparently so, because that’s what the Millennial political ideology demands of its followers.

Just like being “Lutheran” or “Catholic,” “Muslim” or “Jewish” was a vital pre-requisite to dating in the past, having the correct politics is just as vital (and stupid) today. Most Millennial women will simply not date anybody who is not a leftist. If you are not a feminist, if you liked Ronald Reagan, if you don’t believe in X, or you’re foolish enough to believe in Y, well, then you are a close-minded bigot, a sexist, a misogynist, and no woman will want to have anything to do with you.

But there is a drawback. This forces everybody to date based on politics and not whether you actually like the damn person. It puts your politics ahead of the individual. When in reality it is actually possible to meet somebody who does not share your politics and….(GASP) they’re still perfectly fine to date! This irrationality shows just how fervent Millennials are about their political religion. How little else matters to them. How little else they have in life when politics is the only thing that matters even if there’s a person they’re viscerally, sexually, and chemically attracted to standing right in front of them. It’s more indicative of a cult than it is any kind of noble, intelligent ideology. And sadly, this means millions of genuinely happy love lives that could have been never were because some rat bastards dared vote Romney in 2008.

They’re Even Coming for Our Fun

And finally fun. Specifically, 1980’s movies.

You Millennials may not believe this, but there was a time in American history where movies were made to be…entertaining. I know this may shock you as now nearly all forms of movies and entertainment have to be political. But there was a time, way back in the olden days that movies were just made to be fun.

Back to the Future
Die Hard
Ghost Busters
Top Gun
The Goonies
The Princess Bride
Planes, Trains, and Automobiles
Midnight Run
Ferris Bueller’s Day Off
Caddy Shack
Raiders of the Lost Ark
The Blues Brothers
Weekend at Bernies
Dirty Rotten Scoundrels

All of them, and more, were originally made to entertain the audience and make them happy. They weren’t there to lecture. They weren’t there to sermonize. People already had a hard enough week at work that they didn’t need to be proselytized about “the wage gap” or “racism.” The real world sucked enough that people made havens where they could escape to, and the movies were one of them.

Not anymore. Not, at least, according to the dictates of the new Millennial religion. Because now everything

every movie
every show
every online streaming special
every comic book
every cartoon
every book
every song
every painting
every sculpture

absolutely everything has to have politics in it because, once again, that’s all the Millennials have. That’s all they have to celebrate. That’s all they have to cherish.

So now the lead role must be a feminist. The supporting actor better be a Latino, not an actual good actor. We better change the sex/race of the love interest because we don’t have enough of that sex/race combination. Are there enough gay/lesbian characters even if the plot doesn’t call for it? And let’s make sure to throw in a moral or political sermon that the audience never asked for. Alas, even Millennials’ recreation and entertainment, their actual fun in life has been ruined with their politics.

Leave No Stone Unturned

We can go on. There is no rock unturned in the life of a Millennial that is not influenced, tainted, and ultimately ruined by politics:

When you go shopping you have Target using obese models to promote obesity.
When you want a razor you have Gillette reminding you masculinity is toxic.
When you want a cup of coffee you have Starbucks “wanting to have a conversation about race.”
You can’t let your kid eat McDonald’s because you’re vegan and your political religion is more important than your child’s childhood.
You can’t just major in Engineering. You need to take all these BS diversity classes.
You can’t go to work without being forced to take “sensitivity” training.
You can’t be a stay at home parent because your career is the most important thing in life.
You can’t just be depressed or have a bad day, you have a mental illness and need drugs.
You can’t ask out a girl to a war flick because she might be a pacifist.
You can’t have Speedy Gonzales because it might offend some Latino.
You can’t just be a boring ole straight person, choose from one of these popular 48 genders.

Matter of fact, you can’t be yourself at all without first viewing yourself through the lens of race, gender, and sex as commanded by your religion.

You can’t even have passionate, rip-your-clothes-off sex without signing a god damn consent form.

Everything in Millennials’ lives,

ABSOLUTELY E-V-E-R-Y-T-H-I-N-G,

has been ruined by the politics they were programmed to have.

Therefore, put yourself in the mind of a Millennial one last time. With your past wasted, your future destroyed, and no fun allowed, the only thing you’re allowed to have is whatever good things exist in the present. Unfortunately, the whole point of Millennial’s political religion is - in a very “Harrison Bergeron” like way - to lower standards so low that nobody feels bad about themselves, nor sees themselves for the failures they are. Consequently, also in a very Harrison Bergeron like way, this means Millennials can’t enjoy anything good, beautiful, or excellent in their lives.

No success, no achievement, no accomplishment, no victory.

No hot spouse, no beautiful children, no successful career, no financial success, nothing superior to what others might have.

No happiness, no serenity, no peace, no calm.

Nothing beautiful, fun, enjoyable, or even forbidden.

Anything and everything is at minimum lessened, if not outright dictated, directed, measured, allowed, and judged by their cultish Orwellian political religion. And with this political religion at the core of Millennials’ beliefs, they are doomed to a life of failure, pain, misery, confusion, taxes, debt, slavery, frustration, and worst of all, mediocrity. All with salt added to this wound in the form of madness as they waste their lives failing to figure out why their lives suck so much.

You may find what the Nazis did to their human experiments evil and horrific, and you absolutely should. But at least they had the good graces to inevitably kill most of their test subjects, ending their misery. The same cannot be said for the social scientists who seemingly were perfectly fine with torturing an entire generation forever just to advance some pet theories.

Do not mock the Millennials. Pity them.

Good Morning Coronachan #14

Tune in today at 930AM CST for the live broadcast!

Your Race Has No Value

This is an excerpt from the book "How Not to Become a Millennial."

"Whatever has been said about gender can be equally said of race because it’s the exact same racket and the exact same philosophy.  Only the trait is different.  Just as there are many women who use their gender to claim victimhood status, there are many people who use their race to do the same.  And just as there are many women who falsely derive value from their gender, there are many people who falsely derive value from their race.  This is understandable because both women and minorities are heavily lobbied by various political interests to view themselves as victims, as well as place intrinsic value in their gender/race.  But since neither of these strategies/choices are based in reality, they by definition violate The Reality Principle, and are thus doomed to fail.

But more importantly, since these strategies/choices are identical, the results are going to be the exact same as women who try to leverage favor out of society using their gender.  Misery, failure, anger, and a wasted life.  But whereas the female version of this translates into “age, poverty, divorce, debt, spinsterdom, and cats,” the consequences for people who pull of the same racket with race are just as dire, though with their own cultural flair.

Take for example education.

Just as Women’s Studies is a bogus field solely created to pander to women whose only value is their gender, various “Cultural Studies” degrees are created to pander to race just the same. 

“African-American Studies”
“Chicano-American Studies”
“Middle Eastern Studies”
“Asian American Studies,”
Etc.

All of these fields are just as bogus and just as worthless. 

However, there is an added “Uncle Tom” sort of hypocrisy to these degrees.  Most of these degrees presumably are intended to be of benefit and help to the various types of races they study.  Chicano American studies programs would logically be of benefit to Latinos and Chicanos.  Asian American studies should do the same, but for Asians.  And African American studies should do the same for blacks.

But do they really?

Like a Women’s Studies degree these degrees only harm those who major in them.  They have absolutely no economic or employment value.  They actually deter people from hiring you in that you are more prone to file a lawsuit or complain.  And like any other degree they will at least set you back $75,000 and four years of your youth.  But the real betrayal comes from the people who sold you these degrees.  The professors themselves who are presumably of your same race and by the definition of the degree should have your best interests at heart.  In reality these professors are just hucksters selling you a worthless piece of paper for that $75,000 + four years of your life.  If any “African American Studies” or “Latino American Studies” professor was honest they would warn you never to get a degree in such worthless fields and instead major in Accounting or Actuarial Science.  Perhaps studying these fields for free at your local library or online.  But they would never recommend you blow $75,000 on such crap.  Still, these professors value their own financial advancement over your best interests and, thusly, have no problem capitalizing off of your delusion that race has value.

Another example is race being used by Corporate America as a brand name.

An amazing amount of infrastructure has gone into programming Millennials with their political religion.  But within that overarching political religion there are sub-religions tailored to individual groups.  Women have their feminism and women’s empowerment.  Environmentalists have their environmentalism.  Health nuts have their organic and fair trade foods.  And races have their racial justice/political causes.  And if you think about it the schools, colleges, government, and certainly the democrat party have spent trillions over the decades making sure you have these political ideologies, even identities. 

But don’t think Corporate America hasn’t noticed.

Just as the federal government spent trillions building the US interstate system, we have also spent trillions establishing a quasi-national political religion of socialism, feminism, pacifism, environmentalism, social justice, organic/free trade, etc.  And just as corporations take advantage of the US interstate system to transport and sell their goods, they are also taking advantage of that political infrastructure the Millennials have been programmed with.  And so instead of selling you on the merits of a product like its price or its quality, Corporate America instead panders to the identity politics/religion you’ve been programmed to have because it gives you false value.

Thus, when you sell a woman’s razor, you don’t just sell a razor.  You explain how it’s going to cure women’s cancer and attach a pink ribbon to it…and charge an extra $3 over the men’s razor.

When you sell a cup of coffee, you don’t just give people their morning cup of Joe.  You write “let’s have a conversation about race” on it like Starbucks did to show you how “woke” and “down with the cause” the multi-billion dollar company is.

Target doesn’t give one flying shit about fat women. But they do care about the billions of dollars they have in their pockets.  Thus why you see nothing but plus-size models in their advertisements.

And Nike is “totally down with the struggle” as it has hired Colin Kapernick to be its new spokesmodel for their Air Force 1 shoes.  Showing minority young men they understand you.  They’re with you….just as long as you spend the $155.99 to buy their shoes.

This disgusting level of corporate virtue signaling should not only annoy everybody, but it should downright piss off minorities for its blatant pandering.  Taking issues, that are of no light matter, and issues you may care deeply about, and trivially capitalizing off of them for profit is an insult.  And when you take a look at what corporations are really trying to do via their sanctimonious virtue signaling, it’s nothing but simple marketing.  They don’t care about your cause.  They care about the money you will spend if they say they’re down with your cause.  Like your “Asian American Studies” professors, they will tell you whatever you want to hear, just as long as you give them your money.

Unfortunately, this marketing works.  Women fork over all their money to become “strong, independent, empowered, bankrupt, women” in college.  Snobby, elitist, upper income liberals pay $7 per cup of organic coffee so they can imagine they’re helping “the poor brown people” overseas and aren’t racist.  Rich white dudes buy Teslas thinking they’re saving the environment and it will consequently get them laid.  Obese people shop at Target thinking they’re promoting diabetes “body positivity.”  And young minority men must have thought they were really sticking it to the man, because the Kapernick Air Force 1’s sold out in just one day…netting Nike aka “The Man” at least a cool $1 billion in sales.  Imagine if all that money went to STEM degrees instead.

And then there is the psychological toll that obsessing about race takes.

Larry Gossett is an individual I like to highlight because so much can be learned from this man.  He is black, a current city council member of Seattle, and former member of the Seattle chapter of the Black Panthers.  And while he has a long and lengthy career in civil rights, he is most famous for claiming that spraying Seattle sidewalks free of human feces could be racist as it would remind elderly black people of when they were sprayed with firehoses in the 60’s and 70’s protests.

This man is 74 years old.  He has at most another 10 years left in him.  And his entire life has been nothing but obsessing and fretting about race.  So much so he has lost all connection with reality and now sees race and racism in everything.  And in having race infect and infest everything in his life, he has in fact ruined his life.

When he wakes up in the morning it is guaranteed he wonders if adding cream to his coffee doesn’t have some racial undertones of white men mixing races with black women.

When talking about the physics of “black holes” he probably actually thinks there’s an element of racism in the vernacular. 

The word “niggardly” perhaps angers him greatly even though it has nothing to do with race.

And one truly wonders while his kids were opening Christmas gifts or he was having a romantic dinner with his wife if he let his obsession with race take away from those precious experiences with drifting thoughts of racism.

This isn’t to say that you should tolerate genuine racism or true injustice.  Nor is it to say you shouldn’t work towards the ideal of a racism-free world.  But in putting your race first and foremost in life, you will ruin your life in the process.  All one has to do is look at your average Women’s Studies professor or your committed Baby Boomer feminist.  Do any of them look happy?  Do you not see the anger in all of their faces?  Do you not see how obsessing over their gender made their life not only miserable, but pointless?  When Mr. Gossett dies he will have suffered the same fate.  A life where he let “whitey” live rent free in his brain for 75 years.  No matter how much your teachers and professors pressure you, do not put the trait of race at the core of your being.  At least have the self-respect and wisdom to avoid the fate of Mr. Gossett.

We could go on with other examples, but the larger point is this - just like gender, there are corporate, political, and educational interests that want your money, your vote, and your tuition dollars.  And they will gladly lie to you based on your race to get those things, even if it destroys your life.  Big Education will gladly sell you $200,000 in debt for a master’s degree in a field that has no value.  Corporations will placate you and tell you whatever you want to hear about how oppressed you are and that they’re so pro-diversity it hurts…as long as you spend the $29.95 on their “Diversity Awareness Special Edition Blender.”  And the democrat party has absolutely no problems enslaving entire races of Americans through victimhood politics, keeping them dead last in society, as long as you give them your vote in exchange for them to tell you “it’s somebody else’s fault.”

Therefore, young people of any race need to ask the same two questions women needed to ask themselves.  One philosophical, the other practical.

Philosophically, does your race have any intrinsic value?  Does the color of your skin mean anything?  Additionally, does your race determine your destination?  Are you pigeonholed in life because of the color of your parents?  Or would you like to be judged by the caliber of your character and your abilities?  Would you like your actions, not your traits, to determine your success and destination in life?

And practically, where has pursuing race either as a value or a racket gotten people in the past?  Unless you’re a professional huckster like Jesse Jackson or a rich politician like Barack Obama, your rank and file minority individual cannot make a living at “race.”  You’re much better off becoming an engineer, a doctor, or an accountant.  And even if you were to have a modicum of success making a profession in “race,” it’s likely to consume you like Mr. Gossett, ruining your life in the process.

Life’s too short to piss it away on obsessing about your plumbing or your melanin levels.  It’s too short to utter the words “as a Native-American female I just feel that…” Do not let your race, your gender, or any other trait limit your life.  View yourself as an individual."
______________________

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"Coromance"

"Coromance - When a girl you've developed an online relationship thru skype or zoom during the pandemic flakes and ghosts on you when it comes time for your first real-world date."

Though we discuss it at a bit more length in this podcast, I thought it would be good to make a short note to all you boys out there developing "coromances" through Skype or Zoom.

Do understand that when the "all clear is given" that VAST majority of these women will refuse to meet you in real life.  Oh they may agree to a date.  Oh, they may agree to a time.  But they will flake on you at the last minute. 

Please have the experience and self-respect to expect this to happen in the future.  Do not get your hopes up that you will meet in meatspace and go on to have a long last and fruitful relationship.  You are being used for attention because they are bored.

You may now continue on with your regularly scheduled quarantining.

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The Case to Bring Back Dowries

Focus, if you will, solely on the financial and economic.

Forget principles, morality, ethics, and philosophy and merely focus on transactional economics.  Labor, money.  Time, cash.  A pure accounting of labor committed, versus labor received.

And what you will realize is that nearly every man today has a right to demand a dowry.

If you don't know (or never knew) what a dowry was, it was a payment the father usually made to his would-be son in law to take his daughter off his hands and care for her into the future.  This was based on the premise that women did not work, would likely bear children, would stay home to rear said children, and would in a purely accounting sense be a financial liability to the family, earning no income.  And so, the would-be husband would be entitled, if not required, to some kind of financial recompense to take the financial liability of a woman off the hands of her father.

Fast forward 300 years later and I ask a very simple question;

How is it any different today?

If there was a time young women were not a financial liability, but an asset, it was the boomers and Gen X'ers.  These women were workers, they were employed, and they did take care of themselves.  But today's generation of young women (who are also at the age of marriage) do not present young male suitors a similar financial proposition or condition.  Matter of fact, most young women today are horrifically bad financial liabilities, and any young man who commits to them risks tanking his own finances.

This isn't primarily due to young women not working.  They most certainly do, and at labor force participation rates higher than any generation of women past.  But the financial liability nature of most young women today is due to student loans and the education scam that destroys their finances.  Young women, too cowardly to commit to a real degree like STEM, are lured too easily to go $120,000 in debt for worthless liberal arts degrees that offer them no employability.  Worse, the indoctrination they receive in college weaponizes them against men, instead of making them partners and lovers in life to help one another.  And with the repeated indoctrination that women should NEVER rely on a man, the end result is not only often a girl who is a financial risk, but is a girl no man wants.  Endebted, talentless, unemployable, and ideologically programmed to be against men, marriage, family, and love. Even women trained in STEM, who are imminently employable, are often times indoctrinated to be antagonistic towards men, increasing the risk of divorce, adding a huge legal risk to a financial one as well.

Traditionally, logically, and "accountingly," such a proposition would require some kind of financial compensation for the legal and financial risks of committing to a modern day western woman.  And today, young men (or any man) is well within his rights to demand such a modern-day dowry.  But since most boomer and Gen X fathers have no money (and are likely financially compromised through matrimony as well), demanding a dowry today is moot.  No father today is going to pay a "dowry."  Besides, you're asking to marry his "pwesschiouss wittle pwinccessss" and "nothings too good for daddy's little princess."  Thus demanding such a dowry is going to be a non-starter.

This leaves us at an impasse.

Most men simply cannot afford to take on that risk, and even with a dowry the non-financial risks are just as costly and daunting as the financial ones.  Yes at the same time, men are biologically programmed, nay, compelled to want to get married and have kids. And so what is likely going to happen is what's been happening for quite some time now - men are balking.  They're going to punt.

The increase in cohabitation and the abandonment of marriage is a sign of men waking up and eschewing the legal and financial risks marriage presents to them.  Simply punting on marriage and family formation, postponing them until men have their personal finances together is another consequence of this.  Men abandoning it altogether and women opting to start their own family through IVF is a third.  And such marriage-avoidant behavior will continue as the internet educates men about the unacceptable legal and financial risks marriage presents to them (or, frankly, they just saw their dad get butchered in divorce court).

And so what we've seen this past 20 years, certainly the past 10 will continue.  With no "theoretical dowries" and marriage being such a bad deal, more and more men will simply leave the marriage market because they can't afford it.  What relationships show promise will end up in co-habitation, but nothing as traditional as "till death do us part" - most again ending after a few years.  Young men, who typically have precarious finances themselves, will choose Maslow's hierarchy of needs of food, clothing, and shelter to survive, rather than risk their ability to feed themselves on a family that has a 50% chance of ending in divorce.  And there is seemingly no signs of the training women receive to not need a man abating.  Women have, are currently, and will be further programmed to "never rely on a man," viewing them once again as adversaries, making them less feminine overall and therefore less desirable to men.

What I don't think most people realize about marriage, particularly women, is that the price of  marriage has been so skewed, so inflated these past couple generations, it's more costly than men's biological-hardwiring is strong.  And whereas you may think you have a monopoly on this product of marriage/family/love, the empirical data is showing men are punting.  Porn, NEET-dom, lack of exercise, video games, the decrease in marriage, or just confirmed bachelors, men are indeed leaving the traditional marriage market.  It's not what they want to do, but what they're forced to do.  Unfortunately, for any trade to happen in economics, both parties need to be better off after the transaction.  You need to consider whether the price you're demanding can be willingly afforded (or afforded at all) by the counterparty.  And given all the risks associated with marriage, as well as the financial, psychological, emotional, even political risks women are bringing to the table these days, it's doubtful even dowries will convince men to return to the bargaining table.
_______________________

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Millennials: The Largest Sociological Disaster in US History

An excerpt from the book "How Not to Become a Millennial."  Would make for some great quarantine reading while you're all cooped up over the weekend.

"Whether you realize it or not, we are all witness to the final and concluding days of the largest social experiment in the history of America.  Not only in terms of the number of test subjects involved, nor the decades of time it took to conduct, nor the complete scope of the experiment, but in terms of what this experiment boldly set out to do – prove that humans knew better than nature.

On one side of this experimental debate is 2 million years of human existence, honed by trial and error, wars fought, mistakes made, and untold amounts of pain, suffering, toil, and strife.  But after 2 million years and 100 billion human lives we derived the cultural norms, golden rules, and codified laws that culminated into the “conventional wisdom” that governs humanity today.

On the other side we have 50 years of the “social sciences” and the still-living “social scientists” who work within them.  In a mere half a century, .0025% of the time humans have existed on the planet, these

“professors,”
“doctors,”
“politicians,”
“philosophers,”
“fellows,”
“adjuncts,”
“researchers,”
“grad students,” and
“social scientists”

 with their

“theories and hypotheses”
“studies and research papers”
“experiments and tests”

thought they knew better than human nature.  That humans had the cognitive ability to not only master the physical sciences such as physics, medicine, biology and chemistry, but master and understand the infinite and unquantifiable social inter-workings between human beings themselves.  That, yes, you could study physics and inevitably land a man on the moon, or virology and inevitably cure a disease, but we can also study the human mind and humanity itself, solving all social ills such as politics, war, crime, discrimination, oppression, tyranny, poverty, even bullying.  And if we can just unlock these hidden secrets from the social “sciences,” these social “scientists” can usher in what nobody else in history could.

Utopia.

And so these social scientists set out about 50 years ago to unlock the secrets and algorithms of humanity.  They’d study politics, economics, sociology, religion, history, government, linguistics, communications, and sexuality.  They’d study psychology, psychiatry, philosophy, women’s studies, the human mind, and people’s genders.  They’d study Latino-cultures, Afro-cultures, Anglo-cultures, Asian-cultures, Aboriginal-cultures, and “international relations.”  And they’d study zoology, anthropology, marriage studies, familial studies, early childhood development, education, and special education.  Every possible angle, aspect, inch, and trait of humanity they would study.  And soon, after decades of time and billions of hours of research, an impressive body of work started to form.  Hypotheses were tested, theories established, and ultimately these social studies codified into official disciplines of academic research.  The social scientists were so close to unlocking the secret to utopia they could taste it.  They just needed a test subject to prove they were right.  A human guinea pig to turn into an ubermensch.  Preferably, an entire generation to truly usher in utopia on a nationwide scale, ultimately validating the social sciences, as well as themselves.

Thankfully, this ideal test subject was already in the making and at the ideal time too.  By the 1980’s the social sciences had evolved into a formalized study just itching for its first legitimate test subject.  Also, it really wasn’t until the 1980’s that significant government money would flood into academia, making these experiments financially possible anyway.  But most importantly, by the 1980’s the perfect test subject was already being born – the echo boom.  They were called the “echo boom” because they were “echo babies” of their parents – the Baby Boomers.  Consequently, like the Boomers, they too would become a large, pronounced, and distinguishably different generation from others.  But they would also become a social scientist’s dream-come-true as they would all be born into the same economic, political, and sociological environment.

You combine these four traits:

- a codified, maturing academic study whose theories needed to be tested
- adequate funding
- an entirely distinguishable test-subject generation being born
- all happening at that same time

and you had the perfect storm to finally and conclusively test all of the social sciences.  You had the ability to see if the billions of human hours and trillions of government dollars were wasted or invested.  You even had the chance to witness the utopia we were promised being born.  And the generation that was going to make this all possible, the generation of human test subjects who would usher us into this utopian world would be the echo-boomers.

AKA…

the Millennials."

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How Men, and Only Men, Can End Poverty in a Generation

I will be as clear and blunt as I possibly can so there is no confusion.

I have found a way to end poverty.

And not in some convoluted, complex way that involves a ton of government money, agencies, and socialism.  Nor in some pie-in-the-sky social worker/liberal arts major way that relies on foolish and childish idealism.

No, I have found an easy, affordable, even unstoppable way to end the majority of poverty, and in a generation no less.  It just relies on the responsibility of men.

The way this idea can stop poverty is because in a very 300-like manner it targets poverty at a choke point.  It puts an end to it before it can happen.  And therefore since the poverty never occurs, we can spend a fraction of the time and money preventing poverty from happening, instead of addressing it (in a much more costly manner) when it does.  We just need to target and prevent the number one cause of poverty and prevent it from happening, and that number one cause is unaffordable and unwanted children.

Though politically unpopular, the fact still remains that children (specifically unaffordable/bastard/non-nuclear family/unwanted ones) are the number one cause of poverty.  They directly increase the denominator in all measures of wealth by increasing the "capita" in all per capita measures.  They cost $250,000 to raise (whether it's you or the taxpayer footing the bill).  But the real cause of poverty is that it diverts a ton of time and effort on the part of the unprepared parents, who now have to rear children they can't afford instead of invest in themselves professionally and educationally to the point they would have otherwise been able to raise children outside of poverty.  This not only condemns children to (and is the cause of most) poverty, but is what keeps entire families poor - unaffordable children.  And no matter how politically incorrect it is to point out this harsh truth, it's infinitely more humane than bringing millions of unwanted/unaffordable children up in poverty and broken homes.

Now I have no delusions of society, the government, or the general population growing a spine, becoming adult, and having these come to Jesus talks about the real and underlying causes of poverty.  Too many government workers, politicians, social workers, and employees within the welfare state depend on impoverished children and their families for a living.  The Democrat party alone needs broken homes, poverty, and unwanted/unaffordable children in order to stay in power and survive.  And lets be perfectly honest, some truly vile and selfish women have no problems bringing children into broken, impoverished homes for attention, revenge, child-hostage-love, and a government check.  Many, if not the majority of the population are too vested in childhood poverty and poverty in general to give it up.  They profit off of it too much.

But here is where the brilliance of this idea comes in.

Because whereas in a democracy we have more or less made it clear through our voting that we prefer to make it a right to bring children into this world - even at the expense of the taxpayer - whether we can afford it or not, it is also because we're a democracy that certain rights are enshrined to the individual.  And just as gun lovers covet their precious 2nd amendment right to own guns, so too and to equal measure do women/feminists covet their reproductive rights.  It is their body, their choice.  Women are the final arbiters of whether or not a zygote makes it past the finish line.  And it is women who determine whether a child is born into this world (no matter how much cost it may saddle the taxpayers with). 

But just as much as women love their reproductive rights, by law and principles men too should have the same rights.  And though a male pill is still yet to be developed, there is one reproductive right men have that women don't - vasectomies.  And the vasectomy is the ultimate trump card in this poker game of reproductive rights.

As mentioned before, vasectomies are the 300 Greeks at Thermopylae because it prevents poverty in the form of unwanted/unaffordable children from even happening.  Sperm never reaches the egg, thus a zygote is never formed, thus rendering a woman's right to determine whether she aborts the baby or births it moot.  There is no child.

This not only stops poverty dead in its tracks, but bypasses all the pain, agony, costs, and mental anguish men and women go through when it comes to unwanted pregnancies, custody battles, abort/bring to term, etc.  There are no dead beat dads, baby mama's, baby daddy's, and lets not forget the trillions of dollars taxpayers would save not only in direct costs, but lower crime, educational costs, and government baby sitting cost as well.  And whereas a lifetime of child support can easily run into the 100's of thousands, a vasectomy on the cheap can cost around $500.  $3,000 if you want to be real spendy.  Men will rarely find an investment with a higher rate of return.

The trick, though, is how do you get all men to get a vasectomy?  And the answer is simple - we just take a lesson from the feminists, democrats, leftists, and activists who support reproductive rights.  You start a "raising awareness campaign."

Just as (in general) the political left has spent billions over the years "educating" and "raising awareness" for women about their reproductive rights, a similar measure should go into educating men about "vasectomies."  I would also argue (just as the left does) that there should be taxpayer money available to pay for men's vasectomies since the left clamors for the same treatment of women and abortions/birth control.  You put up enough billboard advertisements, run enough ads on Facebook, and make it a mandatory part of K-12 sex ed, and we can prevent poverty from ever happening, by stopping it at its source - the sperm.  And just like a vaccine for measles or Tetanus is standard, so too would be vasectomies for men. 

But before you start jumping down my throat, claiming forcing men to have vasectomies is tyrannical, you are missing the main selling point of this idea.  Nobody is claiming all young men would be forced to have vasectomies.  The benefits of having a vasectomy are so huge, if properly educated and informed, nearly every man would voluntarily be getting one.  It really is the "raising awareness" aspect that stands between us today and a poverty-free world tomorrow.  But also since "reproductive rights" are so holy and sacrosanct among women, there's not a damn thing in the world the government, leftists, feminists, or social workers can do to stop men from getting vasectomies (and thus taking away these varied leftists' fiefdoms).  It is the free will, the free choice men have to get a vasectomy without the permission of the government, the state, feminists or anybody else that makes this idea so effective and feasible.  It is 100% in men's control to not only shore up and protect their finances by inoculating them against unwanted children and "oops" pregnancies, but by consequence stopping poverty dead in its tracks.

The only real problem is the incredible ignorance that is out there when it comes to men getting vasectomies.  I've had many readers think I had my balls cut off when I said I had a vasectomy.  Men also think there's no way to have children ever again when you can have sperm directly extracted, a vasectomy reversed, or just store some sperm at a sperm bank (all of which are infinitely cheaper than an unwanted child).  I've even been accused of promoting eugenics in "preventing the black man from breeding," when it's quite the opposite - preventing you from breeding NOW so you don't destroy your life, so that at a later point in time you can have a child THEN when it won't damn you to a lifetime of crippling poverty.  But whatever misunderstandings the general male population has of vasectomies today, with the proper education, information, or simply sharing this idea with fellow men, it is in men's best personal financial interests to prevent unwanted pregnancies, which in turn is also in society's best interests in eliminating poverty.

Naturally, there will be howls and screams from people vested in the poverty of others as see their fiefdoms threatened by a generation of men getting vasectomies.  Women who looked to spermjacking or baby daddies as a means to make a living, are going to be very upset and frustrated. I am very curious to see how feminists would react when men demand equal "choice" and reproductive rights as they've championed for women.  And mark my words, no doubt about it.  Various political forces will enact laws to prevent men to get vasectomies on a scale I'm imagining.

But these political forces aside, it's moot.  Men today have the right to get a vasectomy.  It's of incredible benefit to men as it's in their direct personal financial interests.  It's in the benefit of future, theoretical would-be children as they would be raised in stable homes, and not poverty.  And it would achieve something humanity and economists have failed to achieve these past 2 million years - end poverty.  It's so compelling I may go full leftist and start a non-profit to help "raise awareness" about the benefits of vasectomies, even raise funds to help out particularly poor men to make sure they don't have kids they can't afford.  But regardless of how we achieve this, the larger point is it's in men's hands and men's hands only.  Feminists, women, democrats, the government, socialists, have all failed to end childhood poverty, because, truthfully, they don't want to end it.  They profit off of it.  We now have the ability to end it in a single generation.  I sincerely hope you research and investigate getting a vasectomy.
_______________________

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