You accept that you have no agency? Sigh…I have limited agency…I don’t know exactly in what spheres/domains…so I still make plans and goals and make educated/reasonable/calculated efforts… because I never know what will work or what won’t, but I set myself up for success without being too hard on myself if I don’t achieve whatContinue reading “A friend asks, and I respond, about my perception regarding self determination, having agency, in light of this new book by Sapolsky, Ph.D. … “Determined: Life without free will”.”
Tag Archives: plans
What work wants from you and what you want from work are often not even close, and sometimes they’re diametrically opposite.
There should be no secrets, no hidden agendas, no mind reading necessary. Just because you have the skills and the experience, and a workplace has an open position, does not automatically mean that you are a good match. For the long term, do not contort yourself, your needs, and your goals to allow you toContinue reading “What work wants from you and what you want from work are often not even close, and sometimes they’re diametrically opposite.”
WE HAVE BEEN TOLD DRAMATICALLY INCOMPLETE, IF NOT INCORRECT, INFORMATION ALL THESE YEARS. IN ORDER TO RETIRE COMFORTABLY, WE DO NOT NEED TO SAVE, THEN INVEST, JUST 10-20% OF OUR PRE-TAX INCOME DURING OUR 30-40 YEARS OF EMPLOYMENT. WE REALLY NEED TO SAVE AND INVEST 75% OF OUR INCOME FOR THE FIRST 10 OR 15 YEARS WHEN WE START MAKING MONEY (“Ma, I’m moving back into the basement!). THIS AMOUNT IS INVESTED INTO A PRE-TAX, LOW COST S&P INDEX FUND UNTIL WE RETIRE. I CALL THIS FRONT-LOADING OUR SAVINGS AND INVESTMENTS.
What we actually SAVE, even if our cost of living is much less when we retire, will not be even close to what we need in order to retire for the typical 20-30 years of retirement. We need the additional money brought in by LONG-TERM INVESTMENTS. During our working years, we will be adding fundsContinue reading “WE HAVE BEEN TOLD DRAMATICALLY INCOMPLETE, IF NOT INCORRECT, INFORMATION ALL THESE YEARS. IN ORDER TO RETIRE COMFORTABLY, WE DO NOT NEED TO SAVE, THEN INVEST, JUST 10-20% OF OUR PRE-TAX INCOME DURING OUR 30-40 YEARS OF EMPLOYMENT. WE REALLY NEED TO SAVE AND INVEST 75% OF OUR INCOME FOR THE FIRST 10 OR 15 YEARS WHEN WE START MAKING MONEY (“Ma, I’m moving back into the basement!). THIS AMOUNT IS INVESTED INTO A PRE-TAX, LOW COST S&P INDEX FUND UNTIL WE RETIRE. I CALL THIS FRONT-LOADING OUR SAVINGS AND INVESTMENTS.”