Friday, April 26, 2013

Endgame, Pt. 2

To win a game, you need to know the rules.  Unfortunately, education in America does not focus on the importance of financial matters and thus very few people know the rules of the money game.  Without that strong institutionalized schooling, I came to a radically different conclusion of the role finances play in our day to day lives than the current mainstream standard.  Here is what I'm supposed to do, which is all in all not terribly unreasonable: go to college, find a job, save for retirement, settle down, retire at 65.

But here is how I saw it: go to college and get a good GPA to show your future employers that without parent supervision, you have the drive and competence to complete a lot of classes you have no interest taking.  Then give the majority of the next forty years, also known as your best and most productive years, doing something you may or may not hate working for someone else.  The grand payoff?  10-20 years max of easy living out your twilight years, each year getting progressively more restrictive and less fun.

This makes no sense.

You are giving away your freedom when you can most enjoy it.  In return, you get your freedom when you no longer can.  Sounds like society gamed you good.  How to flip it?  Scale back until the only money you spend is on home cooked meals, utilities, and housing.  Take the rest of your money and learn to invest, which really is buying (or lending money to) the means of production.  This essentially moves you up the food chain.  Whereas before you were consuming from those big bad corporations that were forcing shitty products down your throat, now you can own them.

Now when you pull out a dollar, you don't see money.  You see a seed that can grow into anything you want.  Why would you ever sell that seed when you can plant it and grow your own orchard?