I had to make some arrangements with someone. I’ll leave it unmentioned who, but it’s a person with whom I am entangled in a financial way for the time being, which is awkward since she doesn’t look at money the way I do. Also, I had to add her to my bank account as a payee, from one bank to a different bank, which I figured out was a matter of business I should resolve by going into the branch and speaking with a human, the old-fashioned way. There is a history of these things getting FUBAR’d, it used to be mildly aggravating, then it got humorous, then it got tedious — THEN, it happened a few more times and I’m just tired of it.
Well, yeah, of course the cashier can’t help with something like that, so I was sent off to wait for a banker. And wait I did; not exactly brimming with exuberant optimism or high spirits at the beginning of it, I was left to pickle for awhile, long enough for my weekend errand schedule to get rearranged a bit, which is frustrating in itself on a Saturday. I picked the wrong branch, and maybe I picked the wrong forum as well. Two bankers, tied up with two customers. On and on it went, sit and sit I did. Sit, and listen to the endlessly repeating dialogue with the young couple-with-baby trying to explore their options now that they’d found they couldn’t open a checking account. Ugh. This was aggravation on steroids, because you had to feel for the baby and the parents, plus the banker was handling it completely the wrong way. The old “Let’s make this a compassionate conversation by making it forty-five minutes long, and about two or three minutes of useful stuff.” What were the takeaways. Well, there’s the possibility that the outstanding matter might be cleared up, and you’re legally entitled to get a free credit report by doing blah blah blah.
It turned out I wasn’t waiting for the end of this, because another banker eventually freed up. And then didn’t help very much. But, sitting there, mulling over how people think about money, and how they are encouraged to think about it when they’re at what we might call the “scratching and clawing” phase of life, I had time to think about something: We really do not do much to encourage the insolvent to become solvent. You hear a fair amount about people of all ages being encouraged to “go back to school,” that’s about as close as the advice ever comes to what would seem to me to be most needed: Find ways to improve your value.
What is it that you’re doing, if anything at all, to make this economy go? Is there a gap between whatever that is, and your true potential? How do you translate that gap into action? That’s the bulls-eye; “maybe you should think about going back to school” approaches it, but doesn’t hit very close to the mark at all. And that’s about as close as we ever seem to come.
“You’re legally entitled to get a copy of your credit report as long as it’s just once a year” doesn’t hit the hay bale. It doesn’t even land inside the same archery range.
And here’s my gripe: What’s the opposite? “Oh well, there’s more to life than making money!” That one…THAT one…we hear all the freakin’ flippin’ time. And I’m entirely unsure about why that is. Who says this? Who listens to it? Who believes it? Oh sure, it’s true in the strictest, most technical sense. But my point is, so what? There’s a lot more to life than picking your nose, which isn’t easy, but people manage to get that done don’t they? There’s more to life than saving a baby trapped in a burning house, but if someone is put in the position of having to try for it, you’d want them to succeed wouldn’t you? Well, wouldn’t you?
I hate this phrase with the passion and radiant heat of a thousand suns. It’s just stupid. It envisions conflict within the act of simply generating an income or making a profit. As far as crass generalizations go, it would be much more correct to envision service to one’s fellow man within such things.
“More to life than making money” is the polar opposite of what young people need to hear. It’s just a turnkey solution phrase we say, not because it works, but because that’s what old people have always said to young people. It’s like “clean your plate”; common sense should immediately tell you this is a recipe for getting fat and staying fat, and maybe the advice should be “lock it up in clean Tupperware when you aren’t hungry anymore.” We read and listen to stories every single day, about so-and-so in these dire straits because the IRS ruled on such-and-such a matter in such-and-such a way…or, his wife has such-and-such a health drama going on and it isn’t covered. Alright then, we live in an age in which fortune is fickle. And the fickle fortune, is the fortune of basic survival. This has always been the case; in fact, looking at it from a long view, we happen to be the generation that has it the easiest, and we still haven’t reached the point where there are any guarantees.
The conclusion to all this is: If you’re in that thing that I described up above as “what we might call the ‘scratching and clawing’ phase of life” — SCRATCH. And CLAW. Maybe, if all it takes to wipe out our illusory solvency is a routine physical that finds a malignant lump or a brain cloud, we should act like it. Go to school if that’s how you can maximize your income. Learn a new trade. Get this job, quit that job, job-hop like a little jitterbug if you have to, whatever it takes.
This is all just an extension of that other thing it seems like young people aren’t being told anymore: If you’re going to play, play to win. And, you have to play. Have kids, but be married and able to support the kids before you have the kids. And be able to support the marriage before you have the marriage. Have good ideas, implement all of the very best ones, and make sure you get your cut whenever you implement a good idea. If you lose, find a way to make your ideas better, and better, and better still, until you win. Then keep winning until you’re obscenely rich, teach those kids of yours how to do the same, feel no guilt and sleep well.
That is the advice we should be hearing more often. The truth is, though, we’re not hearing that, we’re hearing the “more to life than making money” nonsense. And we’re hearing it because we’re embroiled in a culture war, between those who accept that we live in a universe of cause-and-effect, and those who reject this. And those who reject it, are winning. These are the “you didn’t build that” people, the people who think all good things and all disasters are spontaneous, and there’s nothing for us to do about any of it, in prospect or in retrospect. You’ve heard Patton’s quote “I wouldn’t give a hoot and hell for a man who lost and laughed”; these are the losers-and-laughers who are winning. The paradox is obvious, don’t ask me to explain it, it’s their way — they lose at everything except arguments about whether it’s good to lose. They will always win, culturally. Their way is so much easier. That’s why it is so important that every person who desires success, learns to think with autonomy, as an individual.
It truly is a conspiracy to keep the masses poor, discouraged, malnourished, dispirited, apathetic and stupid.