Afford Money Quotes

Being rich is not about how much money you have or how many homes you own; it's the freedom to buy any book you want without looking at the price and wondering if you can afford it.

The reason that the rich were so rich, Vimes reasoned, was because they managed to spend less money. Take boots, for example. He earned thirty-eight dollars a month plus allowances. A really good pair of leather boots cost fifty dollars. But an affordable pair of boots, which were sort of OK for a season or two and then leaked like hell when the cardboard gave out, cost about ten dollars. Those were the kind of boots Vimes always bought, and wore until the soles were so thin that he could tell where he was in Ankh-Morpork on a foggy night by the feel of the cobbles. But the thing was that good boots lasted for years and years. A man who could afford fifty dollars had a pair of boots that'd still be keeping his feet dry in ten years' time, while the poor man who could only afford cheap boots would have spent a hundred dollars on boots in the same time and would still have wet feet. This was the Captain Samuel Vimes 'Boots' theory of socioeconomic unfairness.

You don’t need no gun control, you know what you need? We need some bullet control. Men, we need to control the bullets, that’s right. I think all bullets should cost five thousand dollars… five thousand dollars per bullet… You know why? Cause if a bullet cost five thousand dollars there would be no more innocent bystanders. Yeah! Every time somebody get shut we’d say, ‘Damn, he must have done something ... Shit, he’s got fifty thousand dollars worth of bullets in his ass.’ And people would think before they killed somebody if a bullet cost five thousand dollars. ‘Man I would blow your fucking head off…if I could afford it.’ ‘I’m gonna get me another job, I’m going to start saving some money, and you’re a dead man. You’d better hope I can’t get no bullets on layaway.’ So even if you get shot by a stray bullet, you wouldn't have to go to no doctor to get it taken out. Whoever shot you would take their bullet back, like "I believe you got my property.

Republicans approve of the American farmer, but they are willing to help him go broke. They stand four-square for the American home--but not for housing. They are strong for labor--but they are stronger for restricting labor's rights. They favor minimum wage--the smaller the minimum wage the better. They endorse educational opportunity for all--but they won't spend money for teachers or for schools. They think modern medical care and hospitals are fine--for people who can afford them. They consider electrical power a great blessing--but only when the private power companies get their rake-off. They think American standard of living is a fine thing--so long as it doesn't spread to all the people. And they admire of Government of the United States so much that they would like to buy it.

Morality is a matter of money. Poor people cannot afford to have morals. So they have religion.

Morality is a matter of money. Poor people cannot afford to have morals. So they have religion

Justice is expensive. That is why there is so little of it, and it is reserved for those few with enough money and influence to afford it.

It’s all circling around the same problem of personal liberties,” Walter said. “People came to this country for either money or freedom. If you don’t have money, you cling to your freedoms all the more angrily. Even if smoking kills you, even if you can’t afford to feed your kids, even if your kids are getting shot down by maniacs with assault rifles. You may be poor, but the one thing nobody can take away from you is the freedom to fuck up your life whatever way you want to.

You can only afford to be generous if you actually have some money in the bank to give. In the same way, if your only source of love and meaning is your spouse, then anytime he or she fails you, it will not just cause grief but a psychological cataclysm. If, however, you know something of the work of the Spirit in your life, you have enough love "in the bank" to be generous to your spouse even when you are not getting much affection or kindness at the moment.

My mum and dad had worked incredibly hard to afford me an education.

Too many people are buying things they can't afford, with money that they don't have... to impress people that they don't like!" Nothing to do w/ "books" -- Just like the quote!

I never believed in Santa Claus. None of us kids did. Mom and Dad refused to let us. They couldn't afford expensive presents and they didn't want us to think we weren't as good as other kids who, on Christmas morning, found all sorts of fancy toys under the tree that were supposedly left by Santa Claus. Dad had lost his job at the gypsum, and when Christmas came that year, we had no money at all. On Christmas Eve, Dad took each one of us kids out into the desert night one by one. "Pick out your favorite star", Dad said. "I like that one!" I said. Dad grinned, "that's Venus", he said. He explained to me that planets glowed because reflected light was constant and stars twinkled because their light pulsed. "I like it anyway" I said. "What the hell," Dad said. "It's Christmas. You can have a planet if you want." And he gave me Venus. Venus didn't have any moons or satellites or even a magnetic field, but it did have an atmosphere sort of similar to Earth's, except it was super hot-about 500 degrees or more. "So," Dad said, "when the sun starts to burn out and Earth turns cold, everyone might want to move to Venus to get warm. And they'll have to get permission from your descendants first. We laughed about all the kids who believed in the Santa myth and got nothing for Christmas but a bunch of cheap plastic toys. "Years from now, when all the junk they got is broken and long forgotten," Dad said, "you'll still have your stars.

While it is true that many people simply can't afford to pay more for food, either in money or time or both, many more of us can. After all, just in the last decade or two we've somehow found the time in the day to spend several hours on the internet and the money in the budget not only to pay for broadband service, but to cover a second phone bill and a new monthly bill for television, formerly free. For the majority of Americans, spending more for better food is less a matter of ability than priority. p.187

I can't afford it' shut down your brain. it didn't have to think anymore. besides, it also brings up sadness. a helplessness that leads to despondency and often depression. 'How can I afford it?' opened up the brain. forced it to think and search fro answers. it also opens up possibilities, excitement and dreams and created a stronger mind and dynamic spirit.

Being wealthy isn't just a question of having lots of money. It's a question of what we want. Wealth isn't an absolute, it's relative to desire. Every time we seek something that we can't afford, we can be counted as poor, how much money we may actually have.

Pride is something only folk with money can afford.

but what I have realized over time is that in many ways, money spells freedom. If you learn to control your finances, you won’t find yourself stuck in jobs, places, or relationships that you hate just because you can’t afford to go elsewhere. Learning how to manage your money is one of the most important things you’ll ever do. Being in a good spot financially can open up so many doors. Being in a bad spot can slam them in your face.

Thus two people who cannot afford to play cards for money, sometimes sit down to a quiet game for love.

Where I had felt a victim, I had become a determiner by recognizing I had choices. When considering a purchase, I stopped saying, "I can't afford it," and started saying, "That's not where I want to spend that amount of money.

Honor was a luxury item, like hair pomade and snuff. Its only purpose was to show the world that you could afford to be impractical, that you had enough money to behave in a way that was compatible with some ludicrous code instead of acting out of self-preservation like the rest of humanity.

There is always money for war. You never hear political leaders say they can't go to war because the country can't afford it. They claim not to have money for the poor, homeless and hungry, but war? It's never a problem.

Elinor, for shame!" said Marianne, "money can only give happiness where there is nothing else to give it. Beyond a competence, it can afford no real satisfaction, as far as mere self is concerned.

The diet industry is making a lot of money selling us fad diets, nonfat foods full of chemicals, gym memberships, and pills while we lose a piece of our self-esteem every time we fail another diet or neglect to use the gym membership we could barely afford.

Before our white brothers arrived to make us civilized men,we didn't have any kind of prison. Because of this, we had no delinquents. We had no locks nor keys and therefore among us there were no thieves. When someone was so poor that he couldn't afford a horse, a tent or a blanket, he would, in that case, receive it all as a gift. We were too uncivilized to give great importance to private property. We didn't know any kind of money and consequently, the value of a human being was not determined by his wealth. We had no written laws laid down, no lawyers, no politicians, therefore we were not able to cheat and swindle one another. We were really in bad shape before the white men arrived and I don't know how to explain how we were able to manage without these fundamental things that (so they tell us) are so necessary for a civilized society.

No matter how successful you are, change is always good. There can never be a status quo. When you have no money you can’t afford long-term solutions, only short-term ones. You have to always be upgrading. Otherwise you’re fucked.

RICH: Able to afford all the things and experiences required to fully experience your most authentic life.

I cannot afford to waste my time making money.

I've done lots of jobs. Right now, I'm a hair collector." "That's good", said Ishvar tentatively. "What do you have to do as a hair-collector?" "Collect hair." "And there is money in that?" "Oh very big business. There is a great demand for hair in foreign countries." "What do they do with it? Asked Om skeptical." "Many different things. Mostly they wear it.Sometimes they paint it in different colors-red, yellow, brown, blue. Foreign women enjoy wearing other people's hair. Men also, especially if they are bald. In foreign countries they fear baldness. They are so rich in foreign countries, they can afford to fear all kinds of silly things.

The decor was attractive and strong, but blander than she would have thought his wealth and position afforded him. Caren couldn't see the point of having that much money if all of it led to beige.

Why did her family think pachinko was so terrible? Her father, a traveling salesman, had sold expensive life insurance policies to isolated housewives who couldn't afford them, and Mozasu created spaces where grown men and women could play pinball for money. Both men had made money from chance and fear and loneliness. Every morning, Mozasu and his men tinkered with the machines to fix the outcomes--there could only be a few winners and a lot of losers. And yet we played on, because we had hope that we might be the lucky ones. How could you get angry at the ones who wanted to be in the game? Etsuko had failed in this important way--she had not taught her children to hope, to believe in the perhaps-absurd possibility that they might win. Pachinko was a foolish game, but life was not.

Very many people spend money in ways quite different from those that their natural tastes would enjoin, merely because the respect of their neighbors depends upon their possession of a good car and their ability to give good dinners. As a matter of fact, any man who can obviously afford a car but genuinely prefers travel or a good library will in the end be much more respected than if he behaved exactly like everyone else.

When I am high I couldn’t worry about money if I tried. So I don’t. The money will come from somewhere; I am entitled; God will provide. Credit cards are disastrous, personal checks worse. Unfortunately, for manics anyway, mania is a natural extension of the economy. What with credit cards and bank accounts there is little beyond reach. So I bought twelve snakebite kits, with a sense of urgency and importance. I bought precious stones, elegant and unnecessary furniture, three watches within an hour of one another (in the Rolex rather than Timex class: champagne tastes bubble to the surface, are the surface, in mania), and totally inappropriate sirenlike clothes. During one spree in London I spent several hundred pounds on books having titles or covers that somehow caught my fancy: books on the natural history of the mole, twenty sundry Penguin books because I thought it could be nice if the penguins could form a colony. Once I think I shoplifted a blouse because I could not wait a minute longer for the woman-with-molasses feet in front of me in line. Or maybe I just thought about shoplifting, I don’t remember, I was totally confused. I imagine I must have spent far more than thirty thousand dollars during my two major manic episodes, and God only knows how much more during my frequent milder manias. But then back on lithium and rotating on the planet at the same pace as everyone else, you find your credit is decimated, your mortification complete: mania is not a luxury one can easily afford. It is devastating to have the illness and aggravating to have to pay for medications, blood tests, and psychotherapy. They, at least, are partially deductible. But money spent while manic doesn’t fit into the Internal Revenue Service concept of medical expense or business loss. So after mania, when most depressed, you’re given excellent reason to be even more so.

The reason that the rich were so rich, Vimes reasoned, was because they managed to spend less money. Take boots, for example. He earned thirty-eight dollars a month plus allowances. A really good pair of leather boots cost fifty dollars. But an affordable pair of boots, which were sort of OK for a season or two and then leaked like hell when the cardboard gave out, cost about ten dollars. Those were the kind of boots Vimes always bought, and wore until the soles were so thin that he could tell where he was in Ankh-Morpork on a foggy night by the feel of the cobbles. But the thing was that good boots lasted for years and years. A man who could afford fifty dollars had a pair of boots that’d still be keeping his feet dry in ten years’ time, while a poor man who could only afford cheap boots would have spent a hundred dollars on boots in the same time and would still have wet feet. This was the Captain Samuel Vimes “Boots” theory of socioeconomic unfairness.

Comfortably living below what you can afford, without much desire for more, removes a tremendous amount of social pressure that many people in the modern first world subject themselves to. Nassim Taleb explained: “True success is exiting some rat race to modulate one’s activities for peace of mind.” I like that.

The fact is that the government, like a highwayman, says to a man: Your money, or your life...The government does not, indeed, waylay a man in a lonely place, spring upon him from the road side and, holding a pistol to his head, proceed to rifle his pockets. But the robbery is none the less a robbery on that account; and it is far more dastardly and shameful. The highwayman takes solely upon himself the responsibility, danger, and crime of his own act. He does not pretend that he has any rightful claim to your money, or that he intends to use it for your own benefit. He does not pretend to be anything but a robber...Furthermore, having taken your money, he leaves you as you wish him to do. He does not persist in following you on the road, against your will; assuming to be your rightful 'sovereign,' on account of the 'protection' he affords you.

Before our white brothers arrived to make us civilized men, we didin't have any kind of prison. Because of this, we didn't have any delinquents. Without a prison, there can't be no delinquents. We had no locks nor keys therefore among us there were no thieves. When someone was so poor that he couldn't afford a horse, a tent or a blanket, he would, in that case, receive it all as a gift. We were too uncivilized to give great importance to private property. We didn't know any kind of money and consequently, the value of a human being was not determined by his wealth. We had no written laws laid down, no lawyers, no politicians, therefore we were not able to cheat and swindle one another. We were really in bad shape before the white man arrived and I don't know how to explain how we were able to manage without these fundamental things that (so they tell us) are so necessary for a civilized society.

I... briefly wondered why I kept running into repeat uses of various locations around town. This wasn't the first time I'd dealt with the bad guys choosing to reuse a location different bad guys had used before them. Maybe there was a Villainous Time-share Association. Maybe my life was actually a basic-cable television show, and they couldn't afford to spend money on new sets all the time.

When the accumulation of wealth is no longer of high social importance, there will be great changes in the code of morals. We shall be able to rid ourselves of many of the pseudo-moral principles which have hag-ridden us for two hundred years, by which we have exalted some of the most distasteful of human qualities into the position of the highest virtues. We shall be able to afford to dare to assess the money-motive at its true value. The love of money as a possession — as distinguished from the love of money as a means to the enjoyments and realities of life — will be recognized for what it is, a somewhat disgusting morbidity, one of those semi-criminal, semi-pathological propensities which one hands over with a shudder to the specialists in mental disease.

Never use the terms, “I can’t afford it” or “I can’t do this.” Your subconscious mind takes you at your word and sees to it that you do not have the money or the ability to do what you want to do. Affirm, “I can do all things through the power of my subconscious mind.

If you are lucky enough to have money and a nice house, you can afford to help those who don’t,’ he would tell me. ‘This is what life is all about. To share your good fortune.

They cannot afford to be smart with money.

Tell me about it. Despite all the changes in the twenty-first century, it seems that the rich are still rich and the poor are still poor. There are still countless people in the world who starve every day, and it’s not because they’re anorexic or fasting. It’s because they can’t afford food while the rich waste money all the time on trivial things. Every time I hear about famine, I ask myself if we’ve learned nothing from the past- from the revolutions, all the wars. All they did was ruin thousands of lives. (Danger) Chronia apostraph, anthrice mi achi. (Alexion) What is that? (Danger) It’s Atlantean. Something Acheron says a lot. Roughly translated, it means ‘time moves on, people do not.’ (Alexion)

Christmas is supposed to be this time when everyone is nice to one another and forgives one another and all that, but the true meaning of Christmas is presents. And in the real world, Santa’s not fair. Rich kids get everything and poor kids get secondhand crap their parents bust their asses to afford. It costs money just to sit on Santa’s lap.

The loss of an only child is the worst pain anyone can endure. After all, what do our parents live for? With thee best years of their youth gone by, they don't have any yearnings for comfort or money or fame; all they want is to see us grow up as happy, healthy human being with all the luxuries that they couldn't afford or need. To see years of love,care and upbringing reduce to dust, burnt or burried, takes away everything from a parent.

I can look back and see that I’ve spent much of my life in a cloud of things that have tended to push “being kind” to the periphery. Things like: Anxiety. Fear. Insecurity. Ambition. The mistaken belief that enough accomplishment will rid me of all that anxiety, fear, insecurity, and ambition. The belief that if I can only accrue enough—enough accomplishment, money, fame—my neuroses will disappear. I’ve been in this fog certainly since, at least, my own graduation day. Over the years I’ve felt: Kindness, sure—but first let me finish this semester, this degree, this book; let me succeed at this job, and afford this house, and raise these kids, and then, finally, when all is accomplished, I’ll get started on the kindness. Except it never all gets accomplished. It’s a cycle that can go on … well, forever.

...the poor get poorer, the rich get richer, and the real class divide is between those who can borrow money and those who can’t. Because no matter how much money anyone earns, they still lie awake at the end of the month worrying about money. Everyone looks at what their neighbors have and wonders, ‘How can they afford that?’ because everyone is living beyond their means. So not even really rich people ever feel really rich, because in the end the only thing you can buy is a more expensive version of something you’ve already got. With borrowed money.

She could afford anything, she could give anything, but she could not share a moment of her life with anybody. She was a beautiful and a glamorous diamond with an astronomical price tag, but to a crude reality — she was still a stone, a living stone. Nothing else but a stone in an aesthetic sense.

Kitay’s Sinegard was full of wonders, completely accessible, and crammed with things that belonged to him. Kitay’s Sinegard wasn’t terrifying, because Kitay had money. If he tripped, half the shop owners on the street would help him up, hoping for a handsome tip. If his pocket were cut, he’d go home and get another purse. Kitay could afford to be victimized by the city because he had room to fail.

Don't give your son money. As far as you can afford it, give him horses. No one ever came to grief, except honourable grief, through riding horses. No hour of life is lost that is spent in the saddle. Young men have often been ruined through owning horses, or through backing horses, but never through riding them; unless of course they break their necks, which, taken at a gallop, is a very good death to die.

And a mortgage used to be something you were expected to repay. But now that every other middle-income family has a mortgage for an amount they couldn't possibly save up in their lifetimes, then the bank isn't lending money anymore. It's offering financing. And then homes are no longer homes. They're investments. ...It means that the poor get poorer, the rich get richer, and the real class divide is between those who can borrow money and those who can't. Because no matter how much money anyone earns, they still lie awake at the end of the month worrying about money. Everyone looks at what their neighbors have and wonders, "How can they afford that?" because everyone is living beyond their means. So not even really rich people ever feel really rich, because in the end the only thing you can buy is a more expensive version of something you've already got. With borrowed money.

given that I’m making decisions that involve so much money and so many people, I can’t afford to pretend to know what’s up.

Book buying habits; I can afford to live without food and save the money to a book.

In business, money is either an important thing or it is everything. Monopolists can afford to think about things other than making money; non-monopolists can’t.

He told us that it was important to eat right, exercise, and treat your body as a temple. But he didn't tell us how to get health care services that people with no money could afford. He didn't tell us how we could quickly obtain birth control and other reproductive health services. He didn't recommend any solutions for behavioral or psychiatric care, and for sure some of those broads needed it. He didn't say what options there might be for people who had struggled with substance abuse, sometimes for decades, when they were confronted by old demons on the outside.

It's like the older you get the more you forget that you can change things. Which is stupid because adults have money. Which means you can afford to buy a sledgehammer and break down the room you're stuck in. Kids don't have sledgehammer money ... [sic.]

If you put your politicians up for sale, as the US does (alone in this among industrialized democracies), then someone will buy them--and it won’t be you; you can’t afford them.

Capitalism: let live who can afford to, not simply who wishes to. Life has a price and it belongs only to those who can pay it.

And for a while they were happy in their own manner; they had the animal confidence money affords.

People were running around buying things they couldn’t afford with money they didn’t have to impress people they didn’t even like,

He specified that the only patients to be charged were those who could easily afford it, and that any money they brought in should then be spent treating those without money.

To answer your question as honestly as I can, I've wanted since I was very little to not have to worry about money. I've never been poverty-level poor (I mean, there's been years where I've been officially beneath the poverty line, but that wasn't poverty: that was being a student and living the Student Lifestyle), but I've been in a place where you know you can't afford a better-quality food, where you can't do certain things because of money, and I'd prefer not to have those problems if I can. I sort of have troubles with money in general, with how it determines so much of our lives but with how we all try to ignore it, but I would like to be (and stay) in a place where I can pick up some new comics and games and not worry about how much they cost. This is terrible; you're asking me where I want to be in the future, what I want my life to be like, and the only thing I can tell you is "Man, all I know is I don't want to be POOR.

Let’s call it the scarcity diversion. Here’s the playbook. First, allow elites to hoard a resource like money or land. Second, pretend that arrangement is natural, unavoidable—or better yet, ignore it altogether. Third, attempt to address social problems caused by the resource hoarding only with the scarce resources left over. So instead of making the rich pay all their taxes, for instance, design a welfare state around the paltry budget you are left with when they don’t. Fourth, fail. Fail to drive down the poverty rate. Fail to build more affordable housing. Fifth, claim this is the best we can do. Preface your comments by saying, “In a world of scarce resources…” Blame government programs. Blame capitalism. Blame the other political party. Blame immigrants. Blame anyone you can except those who most deserve it. “Gaslighting” is not too strong a phrase to describe such pretense.

And don't tell me debt is not a big deal. Debt will cut off your legs and laugh at you as you grovel in the dirt begging for mercy. If you don't need it, don't get it. If you can't afford it, don't get it. If you're already in debt, get out quickly. If you think you'll never get out, you're right, you won't.

one reason to have a Total Money Makeover is to build wealth that allows you to have fun. So have some fun! Taking your family, even the extended ones, on a seven-day cruise, buying large diamonds, or even buying a new car are things you can afford to do when you have millions of dollars. You can afford to do these things because when you do them, your money position is hardly even affected. If you like travel, travel. If you like clothes, buy some. I am releasing you to have some fun with your money, because money is to be enjoyed. That guilt-free enjoyment is one of the three reasons to have a Total Money Makeover.

I can’t afford to waste my time making money. —JEAN LOUIS AGASSIZ

A budget tells us what we can't afford, but it doesn't keep us from buying it.

Justice is expensive,” Tharkay said. “That is why there is so little of it, and that reserved for those few with enough money and influence to afford it.

What you can and can’t afford is all in your mind.

She’s my person, my best friend, and working with her would be a dream.” She glances at me. “But she can’t afford to hire me, and I need to make money.

How does paying people more money make you more money? It works like this. The more you pay your workers, the more they spend. Remember, they're not just your workers- they're your consumers, too. The more they spend their extra cash on your products, the more your profits go up. Also, when employees have enough money that they don't have to live in constant fear of bankruptcy, they're able to focus more on their work- and be more productive. With fewer personal problems and less stress hanging over them, they'll lose less time at work, meaning more profits for you. Pay them enough to afford a late model car (i.e. one that works), and they'll rarely be late for work. And knowing that they'll be able to provide a better life for their children will not only give them a more positive attitude, it'll give them hope- and an incentive to do well for the company because the better the company does, the better they'll do. Of course, if you're like most corporations these days- announcing mass layoffs right after posting record profits- then you're already hemorrhaging the trust and confidence of your remaining workforce, and your employees are doing their jobs in a state of fear. Productivity will drop. That will hurt sales. You will suffer. Ask the people at Firestone: Ford has alleged that the tire company fired its longtime union employees, then brought in untrained scab workers who ended up making thousands of defective tires- and 203 dead customers later, Firestone is in the toilet.

If times are tough, your peers and your boss may very well say that you can’t afford to be remarkable. After all, we have to conserve, to play it safe; we don’t have the money to make a mistake. In good times, however, those same people will tell you to relax, take it easy; we can afford to be conservative, to play it safe.

I never advise friends to put money in anything,. said Danny. 'It's a no-win situation - if they make a profit they forget that it was you who recommended it, and if they make a loss they never stop reminding you. My only advise would be not to gamble what you can't afford, and never to risk an amount that might cause you to lose a night's sleep

I was very glad I could afford to say no. With the income from my businesses, I didn’t need money from acting. I never wanted to be in a financially vulnerable position, where I had to take a part I didn’t like.

Do you try to treat cancer sores or the cancer itself? We cannot afford to give pocket money to our children. We cannot afford to eat meat. We cannot afford bread. So your child steals and you turn to him in surprise? You must try to heal the cancer because the sores will keep coming back.

What liberals must conserve is the middle class: the stable family who can afford to enjoy music and theater and take the kids to Europe someday and put money in the collection plate and save for college and keep up the home and be secure against catastrophe. This family has taken big hits in payroll taxes and loss of buying power and a certain suppressed panic about job security.

I liked this rich lifestyle, but I loved the poor lifestyle better. The less money people had, the less greedy they seemed to be. The people who lived around our flocks seemed to always love everyone around them. Even though they aren’t always happy and can’t always afford the bills, they are still glad to be alive.

The job did not pay well or make a big splash in society, nor did it make something one could see or touch, but it had brought her joy. It afforded her a sense of accomplishment when she completed tasks and climbed the ladder, and gave her a sense of reward knowing she was managing her own life with the money she earned.

There are all sorts of families," Tom's grandmother had remarked, and over the following few weeks Tom became part of the Casson family, as Micheal and Sarah and Derek-from-the-camp had done before him. He immediately discovered that being a member of the family was very different from being a welcome friend. If you were a Casson family member, for example, and Eve drifted in from the shed asking, "Food? Any ideas? Or shall we not bother?" then you either joined in the search of the kitchen cupboards or counted the money in the housekeeping jam jar and calculated how many pizzas you could afford. Also, if you were a family member you took care of Rose, helped with homework (Saffron and Sarah were very strict about homework), unloaded the washing machine, learned to fold up Sarah's wheelchair, hunted for car keys, and kept up the hopeful theory that in the event of a crisis Bill Casson would disengage himself from his artistic life in London and rush home to help.

When I die, I hope to go to heaven-- whatever the hell that is-- and I want to be able to afford the price of admission," "Virtue is the price of admission." Jim said haughtily. "That's what I mean, James. So I want to be prepared to claim the greatest virtue of all-- that I was a man who made money. " "Any grafter can make money." "James, you ought to discover some day that words have an exact meaning.

Oh, you get the truck. But you also get pulled over four or five times a month because ain’t no way your Black ass can afford a nice truck like this, right? You get the truck but you get followed around in the jewelry store because you know you probably fitting to rob the place, right? You can get the truck but you gotta deal with white ladies clutching their purses when you walk down the street because Fox News done told them you coming to steal their money and their virtue. You get the truck but then you gotta explain to some trigger-happy cop that no, Mr. Officer, you’re not resisting arrest. You get the truck but then you also get two in the back of the head because you reached for your cell phone,” Ike said. He glanced at Buddy Lee.

Men pretend to be “just a friend” at first, even though they want to sleep with you from day one. Otherwise they wouldn't be spending any time, money or attention on you, because these are limited resources and they need these resources to attract a mate. They can't afford to squander them. So they apply these resources to the female that looks to be their best bet to get laid. But they also know that they can't tell the woman on day one that they want to sleep with her, because she'd think it's creepy. So they play along with the illusion that it's “just a friendship” that “suddenly” developed into more, when the woman finally feels inclined to sleep with the guy “because they have a deep connection.” But that was really his goal from day one.

We, who had no designated safe havens where we could carry our vomit for other people to clean up for us — who were too urgently needed to afford to pause for occasional maintenance, too dignified to succumb to emotional fatigue — not for us the overpaid charlatans disguised as therapists, who would only poke at our scabs and suck our money. No. We, the unbreakable ones, we ourselves were all the therapy that we needed.

Money, it is conventional to argue, is a medium of exchange, which has the advantage of eliminating inefficiencies of barter; a unit of account, which facilitates valuation and calculation; and a store of value, which allows economic transactions to be conducted over long periods as well as geographical distances. To perform all these functions optimally, money has to be available, affordable, durable, fungible, portable and reliable.

Your mom shoulda told you she was just the diseased old slit all the local hobos used as a cum dumpster when they drank away their money and couldn't afford new porno mags.

Money can only give happiness where there is nothing else to give it. Beyond a competence, it can afford no real satisfaction, as far as mere self is concerned.

But I wasn’t about to complain; we could never have afforded a florist of our choice. I wonder what it must be like to have the money to do exactly what you want.

Can you afford to spend money on this?” “Maybe I’m refusing to allow money to hold a tyrannizing position in my life.

Don't buy things you can't afford with money you don't have to impress people you don't like it.

We have the money. We’ve just made choices about how to spend it. Over the years, lawmakers on both sides of the aisle have restricted housing aid to the poor but expanded it to the affluent in the form of tax benefits for homeowners. 57 Today, housing-related tax expenditures far outpace those for housing assistance. In 2008, the year Arleen was evicted from Thirteenth Street, federal expenditures for direct housing assistance totaled less than $40.2 billion, but homeowner tax benefits exceeded $171 billion. That number, $171 billion, was equivalent to the 2008 budgets for the Department of Education, the Department of Veterans Affairs, the Department of Homeland Security, the Department of Justice, and the Department of Agriculture combined. 58 Each year, we spend three times what a universal housing voucher program is estimated to cost (in total ) on homeowner benefits, like the mortgage-interest deduction and the capital-gains exclusion. Most federal housing subsidies benefit families with six-figure incomes. 59 If we are going to spend the bulk of our public dollars on the affluent—at least when it comes to housing—we should own up to that decision and stop repeating the politicians’ canard about one of the richest countries on the planet being unable to afford doing more. If poverty persists in America, it is not for lack of resources.

- Traveling is not always a question of money, but of courage. You spent a great part of your life going around the world like a hippie: what money did you have then? None. You could hardly afford the tickets, and nevertheless I believe they were some of the best years of your life - eating badly, sleeping at railway stations, unable to communicate because of the language, being forced to depend on others just in order to find some shelter to spend the night.

It is precisely because education is so affordable that the labor market expects us to possess so much. Without the subsidies, you would no longer need the education you can no longer afford.

If she had a respectable job being a secretary or something, she'd have an easier time finding childcare. But she was a night worker, which somehow denied her the right to affordable childcare. It made no sense! A night care would be even easier to run - all the babies would be sleeping!

Jay’s mom was a lot of great things that Violet admired, technologically savvy was definitely not one of them. She was one of those people who were loath to move into the twenty-first century and embrace all things modern. She was the only adult woman that Violet knew of who didn’t own a cell phone, and she refused to buckle beneath the pressure to pay good money for high-speed internet, so Jay was forced to plug his secondhand laptop into the phone line and use dial-up. Not because they couldn’t afford such luxuries, but because Ann Heaton wasn’t going down without a fight.

The reason that the rich were so rich, Vimes reasoned, was because they managed to spend less money. Take boots, for example. He earned thirty-eight dollars a month plus allowances. A really good pair of leather boots cost fifty dollars. But an affordable pair of boots, which were sort of okay for a season or two and then leaked like hell when the cardboard gave out, cost about ten dollars. Those were the kind of boots Vimes always bought, and wore until the soles were so thin that he could tell where he was in Ankh-Morpork on a foggy night by the feel of the cobbles. But the thing was that good boots lasted for years and years. A man who could afford fifty dollars had a pair of boots that’d still be keeping his feet dry in ten years’ time, while a poor man who could only afford cheap boots would have spent a hundred dollars on boots in the same time and would still have wet feet. This was the Captain Samuel Vimes ‘Boots’ theory of socio-economic unfairness.

And if we took away Brian's salary at Schwab and your dad's little allowance, how much money would you have working part-time at that non-profit? Would you be able to afford Bermuda or your two-bedroom in SoHo? Are you more of an adult because two men are giving you the illusion of self-sufficiency?

It was a Different Time. People were Friendly. We trusted each other. Hell, you could afford to get mixed up with wild strangers in those days -- without fearing for your life, or your eyes, or your organs, or all of your money, or even getting locked up in prison forever. There was a sense of possibility. People were not so afraid, as they are now. You could run around naked without getting shot. You could check into a roadside motel on the outskirts of Ely or Winnemucca or Elko where you were lost in a midnight rainstorm -- and nobody called the police on you, just to check out your credit and your employment history and your medical records and how many parking tickets you owed in California.

Since business is an exchange of value, with the greatest profits afforded to the businesses that add the most value most additionally – being a net value adder positions us to achieve the greatest ROI.

Having a reserve currency is great while it lasts because it gives a country exceptional borrowing and spending power and significant power over who else in the world gets the money and credit needed to buy and sell internationally. However, having a reserve currency typically sows the seeds of a country ceasing to be a reserve currency country. That is because it allows the country to borrow more than it could otherwise afford to borrow, and the creation of lots of money and credit to service the debt debases the value of the currency and causes the loss of its status as a reserve currency. The loss of its reserve currency status is a terrible thing because having a reserve currency is one of the greatest powers a country can have because it gives the country enormous buying power and geopolitical power.

Sixty-two per cent of Australians believe they cannot afford to buy everything they really need. When we consider that Australia is one of the world's richest countries and that Australians today have incomes three times higher than in 1950, it is remarkable that so many people feel their incomes are inadequate.

This is the shame of the woman whose hand hides her smile because her teeth are so bad, not the grand self-hate that leads some to razors or pills or swan dives off beautiful bridges however tragic that is. This is the shame of seeing yourself, of being ashamed of where you live and what your father’s paycheck lets you eat and wear. This is the shame of the fat and the bald, the unbearable blush of acne, the shame of having no lunch money and pretending you’re not hungry. This is the shame of concealed sickness—diseases too expensive to afford that offer only their cold one-way ticket out. This is the shame of being ashamed, the self-disgust of the cheap wine drunk, the lassitude that makes junk accumulate, the shame that tells you there is another way to live but you are too dumb to find it. This is the real shame, the damned shame, the crying shame, the shame that’s criminal, the shame of knowing words like glory are not in your vocabulary though they litter the Bibles you’re still paying for. This is the shame of not knowing how to read and pretending you do. This is the shame that makes you afraid to leave your house, the shame of food stamps at the supermarket when the clerk shows impatience as you fumble with the change. This is the shame of dirty underwear, the shame of pretending your father works in an office as God intended all men to do. This is the shame of asking friends to let you off in front of the one nice house in the neighborhood and waiting in the shadows until they drive away before walking to the gloom of your house. This is the shame at the end of the mania for owning things, the shame of no heat in winter, the shame of eating cat food, the unholy shame of dreaming of a new house and car and the shame of knowing how cheap such dreams are. © Vern Rutsala

I was so moved that she remembered my birthday that I cried harder than I had in years. When I returned her call, she told me her computer was broken and she couldn't afford to replace it. My heart fell. As I had done so many times before, I went to her rescue. Still on the phone, I went online and bought her a new laptop, top-of-the-line. That was what she had really called for, She thanked me and hung up. I went to Casey, sobbing. Soon afterward, I closed the bank account and asked my mom to not ask me for any more gifts or money. Now my relationship with my mom is very limited, and it's still very painful for me. She continues to occasionally send me bills she can't pay. I respond by telling her that I love her but I cannot pay her bills.

It was the reason neither Florida nor any of her friends could afford health insurance—the industry had nothing to do with providing healthcare; it was designed to extract the maximum amount of money from each person.

Outright speculation is neither illegal, immoral, nor (for most people) fattening to the pocketbook. More than that, some speculation is necessary and unavoidable, for in many common-stock situations there are substantial possibilities of both profit and loss, and the risks therein must be assumed by someone.* There is intelligent speculation as there is intelligent investing. But there are many ways in which speculation may be unintelligent. Of these the foremost are: (1) speculating when you think you are investing; (2) speculating seriously instead of as a pastime, when you lack proper knowledge and skill for it; and (3) risking more money in speculation than you can afford to lose.

It must be nice to be a cat. No bills to pay. No difficult clients. No having to figure out how to say, “Send me my damn money!” in a pleasant way because if you’re rude they won’t hire you again and you can’t afford to lose any work.

If you really wanted it you would figure out a way to get it. If it were that VALUABLE to you, you would make it happen. So it’s not that you can’t afford it. It’s just that you don’t value it enough to do what it would take to get it.

We have discussed the new-car purchase in its various forms for the last several pages. No, you can’t afford a new car unless you are a millionaire and can, therefore, afford to lose thousands of dollars, all in the name of the neat new-car smell. A good used car that is less than three years old is as reliable or more reliable than a new car. A new $28,000 car will lose about $17,000 of value in the first four years you own it. That is almost $100 per week in lost value. To understand what I’m talking about, open your window on your way to work once a week and throw out a $100 bill.

What it mainly revealed was that one of the most insidious of the “hidden injuries of class” in North American society was the denial of the right to do good, to be noble, to pursue any form of value other than money – or, at least, to do it and to gain any financial security or rewards for having done. The passionate hatred of the “liberal elite” among right-wing populists came down, in practice, to the utterly justified resentment towards a class that had sequestered, for its own children, every opportunity to pursue love, truth, beauty, honor, decency, and to be afforded the means to exist while doing so. The endless identification with soldiers (“support our troops!) – that is, with individuals who have, over the years, been reduced to little more than high tech mercenaries enforcing of a global regime of financial capital – lay in the fact that these are almost the only individuals of working class origin in the US who have figured out a way to get paid for pursuing some kind of higher ideal, or at least being able to imagine that’s what they’re doing. Obviously most would prefer to pursue higher ideals in way that did not involve the risk of having their legs blown off. The sense of rage, in fact, stems above all from the knowledge that all such jobs are taken by children of the rich.

I'd think it strange that the boardinghouse attracted both him and me, but that's what cheap places do -- draw in people with no money. An apartment of my own was unthinkable at that time of my life, and even if I'd found an affordable one it wouldn't have satisfied my fundamental need to live in a communal past, or what I imagined the past to be like: a world full of antiques.

We were taking out mortgages we couldn’t afford because they were camouflaged to look as if we had a reasonable chance of paying them back. Banks then changed the bankruptcy laws so that we could not get out of our obligations once the rates changed. Lastly, they sold us back our own mortgages, shifting back to us any of the risk through our money-market accounts and pension funds.

People came to this country for either money or freedom. If you don’t have money, you cling to your freedoms all the more angrily. Even if smoking kills you, even if you can’t afford to feed your kids, even if your kids are getting shot down by maniacs with assault rifles. You may be poor, but the one thing nobody can take away from you is the freedom to fuck up your life whatever way you want to.

Why, this is the world's soul; and just of the same piece Is every flatterer's spirit. Who can call him His friend that dips in the same dish? for, in My knowing, Timon has been this lord's father, And kept his credit with his purse, Supported his estate; nay, Timon's money Has paid his men their wages: he ne'er drinks, But Timon's silver treads upon his lip; And yet — O, see the monstrousness of man When he looks out in an ungrateful shape!— He does deny him, in respect of his, What charitable men afford to beggars.

I told him about my unsuccessful job hunting. He said it was all part of the pattern of economics - economic injustice. 'You take a young white boy. He can go though school and college with a real incentive. He knows he can make good money in any profession when he gets out. But can a Negro - in the South? No, I've seen many make brilliant grades in college. And yet when they come home in the summers to earn a little money, they have to do the most menial work. And even when they graduate it's a long hard pull. Most take postal jobs, or preaching or teaching jobs. This is the cream. What about the others , Mr. Griffin? A man knows no matter how hard he works , he's never going to quite manage...taxes and prices eat up more than he can earn. He can't see how he'll ever have a wife and children. The economic structure just doesn't permit it unless he's prepared to live down in poverty and have his wife work too. That's part of it. Our people aren't educated because they can't afford it or else they know education won't earn them the jobs it would a white men.

There needs to be an intersection of the set of people who wish to go, and the set of people who can afford to go...and that intersection of sets has to be enough to establish a self-sustaining civilisation. My rough guess is that for a half-million dollars, there are enough people that could afford to go and would want to go. But it’s not going to be a vacation jaunt. It’s going to be saving up all your money and selling all your stuff, like when people moved to the early American colonies...even at a million people you’re assuming an incredible amount of productivity per person, because you would need to recreate the entire industrial base on Mars. You would need to mine and refine all of these different materials, in a much more difficult environment than Earth. There would be no trees growing. There would be no oxygen or nitrogen that are just there. No oil.Excluding organic growth, if you could take 100 people at a time, you would need 10,000 trips to get to a million people. But you would also need a lot of cargo to support those people. In fact, your cargo to person ratio is going to be quite high. It would probably be 10 cargo trips for every human trip, so more like 100,000 trips. And we’re talking 100,000 trips of a giant spaceship...If we can establish a Mars colony, we can almost certainly colonise the whole Solar System, because we’ll have created a strong economic forcing function for the improvement of space travel. We’ll go to the moons of Jupiter, at least some of the outer ones for sure, and probably Titan on Saturn, and the asteroids. Once we have that forcing function, and an Earth-to-Mars economy, we’ll cover the whole Solar System. But the key is that we have to make the Mars thing work. If we’re going to have any chance of sending stuff to other star systems, we need to be laser-focused on becoming a multi-planet civilisation. That’s the next step.

Sometimes people ask why I'm so willing to give out #free copies of my books and the answer is pretty simple. Money is not why I write.So why would I keep someone from enjoying that because they can't afford my book? If your in the arts for money your picking the wrong job.

Very many people spend money in ways quite different from those that their natural tastes would enjoin, merely because the respect of their neighbors depends upon their possession of a good car and their ability to give good dinners. As a matter of fact, any man who can obviously afford a car but genuinely prefers travels or a good library will in the end be much more respected than if he behaved exactly like everyone else.

The desires our little family couldn't afford to indulge had never seemed important, only snobbish and silly and somehow misplaced, like Thurston Howell's priorities on Gilligan's Island. Besides, I'd had as much or more money than most kids I'd known in Brooklyn, if somewhat less than the majority of my Manhattan schoolmates at Stuyvesant, so figured I was somewhere in the middle. Yeah, sure, that was it: I was middle class.

Perhaps the deepest indication of our slavery is the monetization of time. It is a phenomenon with roots deeper than our money system, for it depends on the prior quantification of time. An animal or a child has “all the time in the world.” The same was apparently true for Stone Age peoples, who usually had very loose concepts of time and rarely were in a hurry. Primitive languages often lacked tenses, and sometimes lacked even words for “yesterday” or “tomorrow.” The comparative nonchalance primitive people had toward time is still apparent today in rural, more traditional parts of the world. Life moves faster in the big city, where we are always in a hurry because time is scarce. But in the past, we experienced time as abundant. The more monetized society is, the more anxious and hurried its citizens. In parts of the world that are still somewhat outside the money economy, where subsistence farming still exists and where neighbors help each other, the pace of life is slower, less hurried. In rural Mexico, everything is done mañana. A Ladakhi peasant woman interviewed in Helena Norberg-Hodge’s film Ancient Futures sums it all up in describing her city-dwelling sister: “She has a rice cooker, a car, a telephone—all kinds of time-saving devices. Yet when I visit her, she is always so busy we barely have time to talk.” For the animal, child, or hunter-gatherer, time is essentially infinite. Today its monetization has subjected it, like the rest, to scarcity. Time is life. When we experience time as scarce, we experience life as short and poor. If you were born before adult schedules invaded childhood and children were rushed around from activity to activity, then perhaps you still remember the subjective eternity of childhood, the afternoons that stretched on forever, the timeless freedom of life before the tyranny of calendar and clocks. “Clocks,” writes John Zerzan, “make time scarce and life short.” Once quantified, time too could be bought and sold, and the scarcity of all money-linked commodities afflicted time as well. “Time is money,” the saying goes, an identity confirmed by the metaphor “I can’t afford the time.” If the material world

There wasn’t anything Lincoln wanted that he couldn’t afford. What did he really want, anyway? To buy new books when they came out in hardback. To not have to think about how much money was in his wallet when he was ordering dinner. Maybe new sneakers …And there wasn’t anything he wanted to do that he couldn’t make time for. What did he have to mope about, really? What more did he want? Love, he could hear Eve saying. Purpose. Love. Purpose. Those are the things that you can’t plan for. Those are the things that just happen. And what if they don’t happen? Do you spend your whole life pining for them? Waiting to be happy?

An overweight officer, having delivered a batch of children to the home, started telling one of the guards about his heart problem. “You think you want to be a cop, but you don’t, because it kills you,” said the officer, mopping his brow. Then he told of another officer with a lung problem, and one who had cancer, and of others who were stress-sick, and of how none of them earned enough to afford decent doctors. Abdul hadn’t previously thought of policemen as people with hearts and lungs who worried about money or their health. The world seemed replete with people as bad off as himself, and this made him feel less alone.

He believed that the words “I can’t afford it” shut down your brain. It didn’t have to think anymore. “How can I afford it?” opened up the brain and forced it to think and search for answers. But most importantly, he felt the words, “I can’t afford it,” were a lie. And the human spirit knows it. “ The human spirit is very, very powerful,” he would say. “It knows it can do anything.” By having a lazy mind that says, “I can’t afford it,” a war breaks out inside you. Your spirit is angry, and your lazy mind must defend its lie. The spirit is screaming, “Come on. Let’s go to the gym and work out.” And the lazy mind says, “But I’m tired. I worked really hard today.” Or the human spirit says, “I’m sick and tired of being poor. Let’s get out there and get rich.” To which the lazy mind says, “Rich people are greedy. Besides it’s too much bother. It’s not safe. I might lose money. I’m working hard enough as it is. I’ve got too much to do at work anyway. Look at what I have to do tonight. My boss wants it finished by morning.

The idea of luxury, even the word "luxury," was important to Arabella. Luxury meant something that was by definition overpriced, but was so nice, so lovely, in itself that you did not mind, in fact was so lovely that the expensiveness became part of the point, part of the distinction between the people who could not afford a thing and the select few who not only could, but also understood the desirability of paying so much for it. Arabella knew that there were thoughtlessly rich people who could afford everything; she didn't see herself as one of them but instead as one of an elite who both knew what money meant and could afford the things they wanted; and the knowledge of what money meant gave the drama of high prices a special piquancy. She loved expensive things because she knew what their expensiveness meant. She had a complete understanding of the signifiers.

I applaud people for trying to achieve a healthy weight. I don’t question the worthiness or dignity of overweight people any more than I question cancer victims. My criticism is of a societal system that allows and even encourages this problem. I believe, for example, that we are drowning in an ocean of very bad information, too much of it intended to put money into someone else’s pockets. What we really need, then, is a new solution comprised of good information for individual people to use at a price that they can afford.

We're constantly judging and grading other parents, just to make sure that they aren't any better than us. I'm as guilty as anyone. I see some lady hand her kid a Nintendo DS at the supermarket and I instantly downgrade that lady to Shitty Parent status. I feel pressure to live up to a parental ideal that no one probably has ever achieved. I feel pressure to raise a group of human beings that will help America kick the shit out of Finland and South Korea in the world math rankings. I feel pressure to shield my kids from the trillion pages of hentai donkey porn out there on the Internet. I feel pressure to make the insane amounts of money needed for a supposedly 'middle-class' upbringing for the kids, an upbringing that includes a house and college tuition and health care and so many other expenses that you have to be a multimillionaire to afford it. PRESSURE PRESSURE PRESSURE.

If you are lucky enough to have money and a nice house, you can afford to help those who don’t,’ he would tell me.

All that money wasted on another crazy space trip when so many people here on earth can’t afford water, food, or shelter.

The United States spends more than twice as much per capita on health care as other rich capitalist countries —around $9,400 compared to around $3,600—and for that money its citizens can expect lives that are three years shorter. The United States spends more per capita on health care than any other country in the world, but 39 countries have longer life expectancies. [...] Under the current US system, rich, insured patients visit doctors more than they need, running up costs, while poor patients cannot afford even simple, inexpensive treatments and die younger than they should. Doctors spend time that could be used to save lives or treat illness by providing unnecessary, meaningless care. What a tragic waste of physician care.

What, then, should you do? With an excellent hand, you should bet: You lose nothing if your opponent folds, while giving yourself a good chance of winning a big pot if he calls. But with a middling hand, you shouldn't bet: If he has a bad hand, he'll fold, and you'll win the ante, which is what you'd have won anyway by checking; but if he has a good hand, he'll call and win. It's heads he wins, tails you don't. You should check instead, and hope your middling hand wins the ante. What about with a terrible hand? Should you check or bet? The answer is surprising. Checking would be unwise, because the hands will be compared and you will lose. It actually makes more sense to bet with these bad hands, because the only way he might drop out is if you make a bet. Perversely, you are better off betting with awful cards than with mediocre ones, the quintessential (and rational) bluff. There's a second reason for you to bet with terrible cards rather than middling ones: Your opponent will have to call a little more often. Because he knows that your bets are sometimes very weak, he can't afford to fold too easily. That means that when you bet with a good hand, you are more likely to be called, and to win when you are. Because you are bluffing with bad cards, your good hands make more money.

Note to future generations: In our time, are such things as credit cards. Company loans money, you pay back at high interest rate. Is nice for when you do not actually have money to do thing you want to do (for example, buy extravagant cheetah). You may say, safe in your future time: Wouldn’t it be better to simply not do things you can’t afford to do? Easy for you to say.

Experts tout many positive reasons to save money, including being able to afford things like a home, car or holiday, becoming financially independent and being prepared for unforeseen expenses or emergencies. Ultimately, putting money aside for a rainy day will make you feel less stressed, more in control of your finances and all-around happier. Now that's worth saving for!

I’m talking about a production employee who is idle because there is no product to be worked on.” “Yes, that’s always bad,” I say. “Why?” I chuckle. “Isn’t it obvious? Because it’s a waste of money! What are we supposed to do, pay people to do nothing? We can’t afford to have idle time. Our costs are too high to tolerate it. It’s inefficiency, it’s low productivity—no matter how you measure it.” He leans forward as if he’s going to whisper a big secret to me. “Let me tell you something,” he says. “A plant in which everyone is working all the time is very inefficient.

The utility of money changes over time, and it does so in a fairly predictable way: Starting sometime in your twenties, your health very subtly starts to decline, causing a corresponding decline in your ability to enjoy money. Ability to Enjoy Experiences Based on Health Everyone's health declines with age. Wealth, on the other hand, tends to grow over the years as people save up more and more. But worsening health gradually constrains your enjoyment of that wealth as more and more physical activities become impossible to enjoy, no matter how much money you can afford to spend on them.

If you made a list of Hilda’s remarks throughout the day, you’d find three bracketed together at the top—’We can’t afford it’, ‘It’s a great saving’, and ‘I don’t know where the money’s to come from’.

Contemporary American politics also revolve around this contradiction. Democrats want a more equitable society, even if it means raising taxes to fund programmes to help the poor, elderly and infirm. But that infringes on the freedom of individuals to spend their money as they wish. Why should the government force me to buy health insurance if I prefer using the money to put my kids through college? Republicans, on the other hand, want to maximise individual freedom, even if it means that the income gap between rich and poor will grow wider and that many Americans will not be able to afford health care.

For a while now, I have been conscious of a tension in my relationship with you,” Svetlana said. “And I think that’s the reason. It’s because we both make up narratives about our own lives. I think that’s why we decided not to live together next year. Although obviously it’s also why we’re so attracted to each other.” “Everyone makes up narratives about their own lives.” “But not to the same extent. Think about my roommates. Fern, for example. I don’t mean that she doesn’t have an inner life, or that she doesn’t think about the past or make plans for the future. But she doesn’t compulsively rehash everything that happens to her in the form of a story. She’s in my story – I’m not in hers. That makes her and me unequal, but it also gives our relationship a kind of stability, and safeness. We each have our different roles. It’s like an unspoken contract. With you, there’s more instability and tension, because I know you’re making up a story, too, and in our story, I’m just a character.” “I don’t know,” I said. “I still think everyone experiences their own life as a narrative. If you didn’t have some kind of ongoing story in mind, how would you know who you were when you woke up in the morning?” “That’s a weak definition of narrative. That’s saying that narrative is just memory plus causality. But, for us, the narrative has aesthetics, too.” “But I don’t think that’s because of our personalities,” I said. Isn’t it more about how much money our parents have? You and I can afford to pursue some narrative just because it’s interesting. You could go to Belgrade to come to terms with your life before the war, and I could go to Hungary to learn about Ivan. But Fern has to work over the summer.” “...Fern is just an example. Valerie’s parents are engineers, she doesn’t have to work, but she’s still more like Fern than she is like us” “I don’t know,” I said. “I guess it feels elitist to look at it that way.” “Don’t you think you pretending not to be elitist is disingenuous?” Svetlana said. “If you really think about who you are, and what you value?

From there we’d go over to the Friendly Lounge at Tenth and Washington, owned by a guy named John who went by the nickname of Skinny Razor. At first I didn’t know anything about John, but some of the guys from Food Fair pushed a little money on their routes for John. A waitress, say, at a diner would borrow $100 and pay back $12 a week for ten weeks. If she couldn’t afford the $12 one week she’d just pay $2, but she’d still owe the $12 for that week and it would get added on at the end. If it wasn’t paid on time the interest would keep piling up. The $2 part of the debt was called the “vig,” which is short for vigorish. It was the juice. My

Urban landlords quickly realized that piles of money could be made by creating slums: “maximum profits came, not from providing first-class accommodations for those who could well afford them… but from crowded slum accommodations, for those whose pennies were scarcer than the rich man’s pounds.” Beginning in the sixteenth century, slum housing would be reserved not only for outcasts, beggars, and thieves but for a large segment of the population.

The U.S. Department of Housing and Urban Development (HUD) deems a family that is spending more than 30 percent of its income on housing to be “cost burdened,” at risk of having too little money for food, clothing, and other essential expenses. Today there is no state in the Union in which a family that is supported by a full-time, minimum-wage worker can afford a two-bedroom apartment at fair market rent without being cost burdened, according to HUD.

Mexico is a lawless place. I don’t care what the UN says, or what the State Department travel advisories tell you. The fact is that Mexico, as a whole, is a narco-state run by powerful regional cartels, with a hollow and largely irrelevant central government that is nothing more than window-dressing to appease the international community. Freedom is for those who can afford it, law is for sale, and what is fair is determined by who is most powerful. That’s the reality of Mexico. Cancun, Playa, Cabo, Puerto Vallarta- they are all much better than the interior of Mexico, but that is only because their survival depends on a steady flow of tourists with money to burn. To protect that, the government does a good job maintaining the appearance of western-style law and order through the direct threat of massive military intervention. Underneath it all, those places are not much different from the rest of Mexico.

I loved you enough to bug you about where you were going, with whom and what time you would get home. I loved you enough to insist you buy a bike with your own money even though we could afford it. I loved you enough to be silent and let you discover your friend was a creep. I loved you enough to make you return a Milky Way with a bite out of it to the drugstore and confess, “I stole this.” I loved you enough to stand over you for two hours while you cleaned your bedroom, a job that would have taken me 15 minutes. I loved you enough to say, “Yes, you can go to Disney World on Mother’s Day.” I loved you enough to let you see anger, disappointment, disgust and tears in my eyes. I loved you enough not to make excuses for your lack of respect or your bad manners. I loved you enough to admit that I was wrong and ask for your forgiveness. I loved you enough to ignore what every other mother did or said. I loved you enough to let you stumble, fall, hurt and fail. I loved you enough to let you assume the responsibility for your own actions at age 6, 10 or 16. I loved you enough to figure you would lie about the party being chaperoned but forgave you for it—after discovering I was right. I loved you enough to accept you for what you are, not what I wanted you to be. But, most of all, I loved you enough to say no when you hated me for it. That was the hardest part of all.

Why did her family think pachinko was so terrible? Her father, a traveling salesman, had sold expensive life insurance policies to isolated housewives who couldn’t afford them, and Mozasu created spaces where grown men and women could play pinball for money. Both men had made money from chance and fear and loneliness. Every morning, Mozasu and his men tinkered with the machines to fix the outcomes—there could only be a few winners and a lot of losers. And yet we played on, because we had hope that we might be the lucky ones. How could you get angry at the ones who wanted to be in the game? Etsuko had failed in this important way—she had not taught her children to hope, to believe in the perhaps-absurd possibility that they might win. Pachinko was a foolish game, but life was not.

The researchers discovered that money is indeed a major factor in day-to-day happiness. No surprise there. You need to make a certain amount, on average, to be able to afford food, shelter, clothing, entertainment, and the occasional Apple product, but what spun top hats around the country was their finding that, beyond a certain point, your happiness levels off. The happiness that money offers doesn’t keep getting more and more potent—it plateaus. The research showed that a lack of money brings unhappiness, but an overabundance does not have the opposite effect.

Stepan Arkadyevitch had not chosen his political opinions or his views; these political opinions and views had come to him of themselves, just as he did not choose the shapes of his hat and coat, but simply took those that were being worn. And for him, living in a certain society--owing to the need, ordinarily developed at years of discretion, for some degree of mental activity--to have views was just as indispensable as to have a hat. If there was a reason for his preferring liberal to conservative views, which were held also by many of his circle, it arose not from his considering liberalism more rational, but from its being in closer accordance with his manner of life. The liberal party said that in Russia everything is wrong, and certainly Stepan Arkadyevitch had many debts and was decidedly short of money. The liberal party said that marriage is an institution quite out of date, and that it needs reconstruction; and family life certainly afforded Stepan Arkadyevitch little gratification, and forced him into lying and hypocrisy, which was so repulsive to his nature. The liberal party said, or rather allowed it to be understood, that religion is only a curb to keep in check the barbarous classes of the people; and Stepan Arkadyevitch could not get through even a short service without his legs aching from standing up, and could never make out what was the object of all the terrible and high-flown language about another world when life might be so very amusing in this world. And with all this, Stepan Arkadyevitch, who liked a joke, was fond of puzzling a plain man by saying that if he prided himself on his origin, he ought not to stop at Rurik and disown the first founder of his family--the monkey. And so Liberalism had become a habit...Anna Karenina, Tolstoy.

That’s good,” said Ishvar tentatively. “What do you have to do, as a hair-collector?” “Collect hair.” “And there is money in that?” “Oh, very big business. There is a great demand for hair in foreign countries.” “What do they do with it?” asked Om, sceptical. “Many different things. Mostly they wear it. Sometimes they paint it in different colours – red, yellow, brown, blue. Foreign women enjoy wearing other people’s hair. Men also, especially if they are bald. In foreign countries they fear baldness. They are so rich in foreign countries, they can afford to fear all kinds of silly things.

It all must have cost a fortune, guessed Lucy, who had lost track of the actual total sometime around December 18. Oh, sure, it had been great fun for the hour or two it took to open all the presents, but those credit card balances would linger for months. And what was she going to do about the letter? It was from the financial aid office at Chamberlain College advising her that they had reviewed the family’s finances and had cut Elizabeth’s aid package by ten thousand dollars. That meant they had to come up with the money or Elizabeth would have to leave school. She guiltily fingered the diamond studs Bill had surprised her with, saying they were a reward for all the Christmases he was only able to give her a handmade coupon book of promises after they finished buying presents for the kids. It was a lovely gesture, but she knew they couldn’t really afford it. She wasn’t even sure he had work lined up for the winter.

Luxury beliefs’ are the latest status symbol for rich Americans” by Rob Henderson New York Post, August 3, 2022 In the past, upper-class Americans used to display their social status with luxury goods. Today, they do it with luxury beliefs. People care a lot about social status. In fact, research indicates that respect and admiration from our peers are even more important than money for our sense of well-being. ...as trendy clothes and other products become more accessible and affordable, there is increasingly less status attached to luxury goods. The upper classes have found a clever solution to this problem: luxury beliefs. These are ideas and opinions that confer status on the rich at very little cost, while taking a toll on the lower class. ‘Upper-class people don a luxury belief to separate themselves from the lower class’ ... White privilege is the luxury belief that took me the longest to understand, because I grew up around poor whites. Often members of the upper-class claim that racial disparities stem from inherent advantages held by whites. Yet Asian Americans are more educated, have higher earnings and live longer than whites. Affluent whites are the most enthusiastic about the idea of white privilege, yet they are the least likely to incur any costs for promoting that belief. Rather, they raise their social standing by talking about their privilege. In other words, upper-class whites gain status by talking about their high status. When laws are enacted to combat white privilege, it won’t be the privileged whites who are harmed. Poor whites will bear the brunt. ... like with diamond rings or designer clothes of old, upper-class people don a luxury belief to separate themselves from the lower class. These beliefs, in turn, produce real, tangible consequences for disadvantaged people, further widening the divide.

Another example is the modern political order. Ever since the French Revolution, people throughout the world have gradually come to see both equality and individual freedom as fundamental values. Yet the two values contradict each other. Equality can be ensured only by curtailing the freedoms of those who are better off. Guaranteeing that every individual will be free to do as he wishes inevitably short-changes equality. The entire political history of the world since 1789 can be seen as a series of attempts to reconcile this contradiction. Anyone who has read a novel by Charles Dickens knows that the liberal regimes of nineteenth-century Europe gave priority to individual freedom even if it meant throwing insolvent poor families in prison and giving orphans little choice but to join schools for pickpockets. Anyone who has read a novel by Alexander Solzhenitsyn knows how Communism’s egalitarian ideal produced brutal tyrannies that tried to control every aspect of daily life. Contemporary American politics also revolve around this contradiction. Democrats want a more equitable society, even if it means raising taxes to fund programmes to help the poor, elderly and infirm. But that infringes on the freedom of individuals to spend their money as they wish. Why should the government force me to buy health insurance if I prefer using the money to put my kids through college? Republicans, on the other hand, want to maximise individual freedom, even if it means that the income gap between rich and poor will grow wider and that many Americans will not be able to afford health care. Just as medieval culture did not manage to square chivalry with Christianity, so the modern world fails to square liberty with equality. But this is no defect. Such contradictions are an inseparable part of every human culture. In fact, they are culture’s engines, responsible for the creativity and dynamism of our species. Just

With the fate of Roe v. Wade now hanging in the balance, I'm calling for a special 'pro-life tax.' If the fervent prayers of the religious right are answered and abortion is banned, let's take it a step further. All good Christians should legally be required to pony up; share the financial burden of raising an unwanted child. That's right: put your money where your Bible is. I'm not just talking about paying for food and shelter or even a college education. All those who advocate for driving a stake through the heart of a woman's right to choose must help bear the financial burden of that child's upbringing. They must be legally as well as morally bound to provide the child brought into this world at their insistence with decent clothes to wear; a toy to play with; a bicycle to ride -- even if they don't consider these things 'necessities.' Pro-lifers must be required to provide each child with all those things they would consider 'necessary' for their own children. Once the kid is out of the womb, don't wash your hands and declare 'Mission Accomplished!' It doesn't end there. If you insist that every pregnancy be carried to term, then you'd better be willing to pay the freight for the biological parents who can't afford to. And -- like the good Christians that you are -- should do so without complaint.

To put these complicated matters into very simple terms, you create a cycle virtually anytime you borrow money. Buying something you can’t afford means spending more than you make. You’re not just borrowing from your lender; you are borrowing from your future self. Essentially, you are creating a time in the future in which you will need to spend less than you make so you can pay it back. The pattern of borrowing, spending more than you make, and then having to spend less than you make very quickly resembles a cycle. This is as true for a national economy as it is for an individual. Borrowing money sets a mechanical, predictable series of events into motion.

Even when the income disparity is very much greater, people are sticky. Micronesians mostly stay where they were born, even though they are free to live and work in the US without a visa, where the average income is twenty times higher. Niger, next to Nigeria, is not depopulated even though it is six times poorer and there are no border controls between the countries. People like to stay in the communities they were born in, where everything is familiar and easy, and many require a substantial push to migrate – even to another location in the same nation, and even when it would be obviously beneficial. One study in Bangladesh found that a programme that offered subsidies to help rural people migrate to the city for work during the lean season didn’t work, even when workers could make substantially more money through seasonal migration.22 One problem is the lack of affordable housing and other facilities in cities, meaning people end up living illegally in cramped, unregulated spaces or in tents.

Not give—lend! Isn’t that what your people do? You lend money to poor suckers and then charge a million percent interest? That’s all I’m asking for here. You lend me … let’s say, three hundred bucks now, and I’ll pay it back with interest.” “If you can afford to pay back a loan with interest, then why don’t you just lend Sebastian the money?

That was when the Venetians made an important discovery. More money could be made buying and selling salt than producing it. Beginning in 1281, the government paid merchants a subsidy on salt landed in Venice from other areas. As a result, shipping salt to Venice became so profitable that the same merchants could afford to ship other goods at prices that undersold their competitors. Growing fat on the salt subsidy, Venice merchants could afford to send ships to the eastern Mediterranean, where they picked up valuable cargoes of Indian spices and sold them in western Europe at low prices that their non-Venetian competitors could not afford to offer. This meant that the Venetian public was paying extremely high prices for salt, but they did not mind expensive salt if they could dominate the spice trade and be leaders in the grain trade. When grain harvests failed in Italy, the Venetian government would use its salt income to subsidize grain imports from other parts of the Mediterranean and thereby corner the Italian grain market.

Specialization gives the people in your civilization the opportunity to go further in any direction of study than any other human has gone before. It unlocks doctors who can devote their entire lives to curing disease, librarians who can devote their entire lives to ensuring the accumulated knowledge of humanity remains safe and accessible, and writers who, fresh out of school, take the first job they find and devote the most productive years of their lives to writing corporate repair manuals for rental-market time machines that their bosses almost certainly don't even read,* ironically for so little money that they can't possibly afford to go back and fix that one horrible, horrible mistake.

This is because mothers who feel guilty about being separated from their children by their slave wage job try to make it up by charging up debt they can’t afford to buy their kids plastic crap made by child slaves in China. This is an echo of the first Christmas, when the Wise Men gave gifts to the newborn babe that they knew was destined to be sacrificed.

The cost-effectiveness of energy has four dimensions: Affordability: How much money does it cost relative to how much money people have? Reliability: To what extent can it be produced “on demand”—when needed, in as large a quantity as needed? Versatility: How wide a variety of machines can it power? Scalability: How many people can it produce energy for and in how many places?

Is it honestly possible to feel safe and secure in a capitalist society that defines our human value based on what we do and how much we make, rather than who we are? Is it honestly possible to feel safe and secure in a society that bombards us with messages asserting (even aggressing) that in order to be secure in our self or with our place in the world we need to acquire more money, more religion, more objects, more products, more body-altering procedures or more property? Society teaches us how to love and who is worthy of love via the media, commercials and through institutionalized practices such as tax benefits for married couples. Relationships are defined as valuable and potential partners are evaluated as worthy based on how much money is spent on dinner, date nights, vacations, diamonds and wedding arrangements. Flipping to the other extreme and thinking that money doesn’t matter or is unimportant in a relationship can also be damaging, since we live in a society where money is a basic requirement for survival. It’s difficult to show up and thrive in relationships when we can’t feed ourselves, pay the bills or afford basic health care.

People came to this country for either money or freedom. If you don’t have money, you cling to your freedoms all the more angrily. Even if smoking kills you, even if you can’t afford to feed your kids, even if your kids are getting shot down by maniacs with assault rifles. You may be poor, but the one thing nobody can take away from you is the freedom to fuck up your life whatever way you want

Piff and his team of researchers found that the rich are more likely than the poor to cut off other vehicles when driving through intersections. And they’re less likely to stop for pedestrians. They’re more likely to cheat in a game, and more likely to think of greed as good. But money is not to blame for this, Piff suggests. What’s to blame is the comfort that a higher class status affords—the independence, the insularity, the security, the illusion of not needing other people. “While having money doesn’t necessarily make anybody anything,” Piff told New York magazine, “the rich are way more likely to prioritize their own self-interests above the interests of other people. It makes them more likely to exhibit characteristics that we would stereotypically associate with, say, assholes.

Pretty sure I can. You signed the contract. You’re a witness that he owes me this. And before you get high and mighty about it, why didn’t you just use your own money to take out Persia? I mean, it’s kind of your fault he’s in this position in the first place, isn’t it?” “I’d have had money if he hadn’t ‘borrowed’ it from me for a concert ticket he couldn’t afford,” Bas snaps. “You’re not the only one he screwed over.

Man, it was the polar opposite. From the grocery stands and yakitori joints in Japan to the stalls along the hutongs of Beijing, enjoying food was foundational. Dining out was attainable and affordable, a crucial part of daily life. Even in Virginia lower-middle-class Asian families would go out to dinner once a week at a Chinese restaurant. The idea that people with less money could not appreciate better food was a fallacy.

So, uh…” I gesture around the room with my other hand. “Who’s paying for all of this? Because I certainly can’t afford it.” “My father is, actually.” “But your father thinks I’m a demon.” A shy grin steals across August’s face. “It’s true, but I also pointed out that unless he did something substantial to help, you might not be willing to keep quiet about what Will did to your family.” “You blackmailed him?” My brows rise. “I did.” He grins, almost bashful. I squeeze his hand again. “Thank you. I can’t imagine what a difficult conversation that must have been for you.” “I’ll be completely honest, seeing you like that…You looked dead, Myra. I was so angry, it took all my self-control not to throttle the man.” I snort. “I would pay good money to see that.” “Well, I, unlike some people, actually know how to use a broadsword.” “How hard is it to hack and stab? I mean, honestly.

She pulled the shawl closer as a tall, lithe figure cut across the parking lot and joined her at the passenger door. “You’re already famous,” Colby Lane told her, his dark eyes twinkling in his lean, scarred face. “You’ll see yourself on the evening news, if you live long enough to watch it.” He jerked a thumb over his shoulder. “Tate’s on his way right now.” “Unlock this thing and get me out of here!” she squeaked. He chuckled. “Coward.” He unlocked the door and let her climb in. By the time he got behind the wheel and took off, Tate was striding across the parking lot with blood in his eye. Cecily blew him a kiss as Colby gunned the engine down the busy street. “You’re living dangerously tonight,” Colby told her. “He knows where you live,” he added. “He should. He paid for the apartment,” she added in a sharp, hurt tone. She wrapped her arms closer around her. “I don’t want to go home, Colby. Can I stay with you tonight?” She knew, as few other people did, that Colby Lane was still passionately in love with his ex-wife, Maureen. He had nothing to do with other women even two years after his divorce was final. He drank to excess from time to time, but he wasn’t dangerous. Cecily trusted no one more. He’d been a good friend to her, as well as to Tate, over the years. “He won’t like it,” he said. She let out a long breath. “What does it matter now?” she asked wearily. “I’ve burned my bridges.” “I don’t know why that socialite Audrey had to tell you,” he muttered irritably. “It was none of her business.” “Maybe she wants a big diamond engagement ring, and Tate can’t afford it because he’s keeping me,” she said bitterly. He glanced at her rigid profile. “He won’t marry her.” She made a sound deep in her throat. “Why not? She’s got everything…money, power, position and beauty-and a degree from Vassar.” “In psychology,” Colby mused. “She’s been going around with Tate for several months.” “He goes around with a lot of women. He won’t marry any of them.” “Well, he certainly won’t marry me,” she assured him. “I’m white.” “More of a nice, soft tan,” he told her. “You can marry me. I’ll take care of you.” She made a face at him. “You’d call me Maureen in your sleep and I’d lay your head open with the lamp. It would never work.

The more monetized society is, the more anxious and hurried its citizens. In parts of the world that are still somewhat outside the money economy, where subsistence farming still exists and where neighbors help each other, the pace of life is slower, less hurried. In rural Mexico, everything is done mañana. A Ladakhi peasant woman interviewed in Helena Norberg-Hodge's film Ancient Futures sums it all up in describing her city-dwelling sister: "She has a rice cooker, a car, a telephone — all kinds of time-saving devices. Yet when I visit her, she is always so busy we rarely have time to talk." For the animal, child, or hunter-gatherer, time is essentially infinite. Today its monetization has subjected it, like the rest, to scarcity. Time is life. When we experience time as scarce, we experience life as short and poor. If you were born before adult schedules invaded childhood and children were rushed around from activity to activity, then perhaps you still remember the subjective eternity of childhood, the afternoons that stretched on forever, the timeless freedom of life before the tyranny of calendar and clocks. "Clocks," writes John Zerzan, "make time scarce and life short." Once quantified, time too could be bought and sold, and the scarcity of all money-linked commodities afflicted time as well. "Time is money," the saying goes, an identity confirmed by the metaphor "I can't afford the time.

You may well ask: when the bubble finally burst, why did we not let the bankers crash and burn? Why weren't they held accountable for their absurd debts? For two reasons. First because the payment system - the simple means of transferring money from one account to another and on which every transaction relies - is monopolised by the very same bankers who were making the bets. Imagine having gifted your arteries and veins to a gambler. The moment he loses big at the casino, he can blackmail you for anything you have simply by threatening to cut off your circulation. Second, because the financiers' gambles contained deep inside the title deeds to the houses of the majority. A full-scale financial market collapse could therefore lead to mass homelessness and a complete breakdown in the social contract. Don't be surprised that the high and mighty financiers of Wall Street would bother financialising the modest homes of poor people. Having borrowed as much as they could off banks and rich clients in order to place their crazy bets, they craved more since the more they bet, the more they made. So they created more debt from scratch to use as raw materials for more bets. How? By lending to impecunious blue collar worker who dreamed of the security of one day owning their own home. What if these little people could not actually afford their mortgage in the medium term? In contrast to bankers of old, the Jills and the Jacks who actually leant them the money did not care if the repayments were made because they never intended to collect. Instead, having granted the mortgage, they put it into their computerised grinder, chopped it up literally into tiny pieces of debt and repackaged them into one of their labyrinthine derivatives which they would then sell at a profit. By the time the poor homeowner had defaulted and their home was repossessed, the financier who granted the loan in the first place had long since moved on.

Stubb suddenly dropped all advice, and concluded with a peremptory command, "Stick to the boat, Pip, or by the Lord, I won't pick you up if you jump; mind that. We can't afford to lose whales by the likes of you; a whale would sell for thirty times what you would, Pip, in Alabama. Bear that in mind, and don't jump any more." Hereby perhaps Stubb indirectly hinted, that though man loved his fellow, yet man is a money-making animal, which propensity too often interferes with his benevolence.

Incidentally, those who were shocked by Bush the Younger’s shout that we are now “at war” with Osama should have quickly put on their collective thinking caps. Since a nation can only be at war with another nation-state, why did our smoldering if not yet burning bush come up with such a war cry? Think hard. This will count against your final grade. Give up? Well, most insurance companies have a rider that they need not pay for damage done by “an act of war.” Although the men and women around Bush know nothing of war and less of our Constitution, they understand fund-raising. For this wartime exclusion, Hartford Life would soon be breaking open its piggy bank to finance Republicans for years to come. But the mean-spirited Washington Post pointed out that under U.S. case law, only a sovereign nation, not a bunch of radicals, can commit an “act of war.” Good try, G.W. This now means that we the people, with our tax money, will be allowed to bail out the insurance companies, a rare privilege not afforded to just any old generation.

In the present state of the world, not only are many people destitute but the majority of those who are not being haunted by a perfectly reasonable fear that they may become so at any moment. Wage-earners have the constant danger of unemployment; salaried employees know that their firm may go bankrupt or find it necessary to cut down its staff; businessmen, even those who are reputed to be very rich, know that the loss of all their money is by no means improbable. Professional men have a very hard struggle. After making great sacrifices for the education of their sons and daughters, they find that there are not the openings that there used to be for those who have the kinds of skills that their children have acquired. If they are lawyers, they find that people can no longer afford to go to law, although serious injustices remain unremedied; if they are doctors, they find that their formerly lucrative hypochondriac patients can no longer afford to be ill, while many genuine sufferers have to forgo much-needed medical treatment. One finds men and women of university education serving behind the counters in shops, which may save them from destitution, but only at the expense of those who would formerly have been so employed. In all classes, from the lowest to almost the highest, economic fear governs men’s thoughts by day and their dreams at night, making their work nerve-wracking and their leisure unrefreshing. This ever-present terror is, I think, the main cause of the mood of madness which has swept over great parts of the civilized world.

The Christmas I was sixteen, my ma and I were poorer than church mice. My pa died when I was two, taking her heart with him." A smile curved his lips. "She could have remarried for a more comfortable life. But she couldn't bring herself to do it. We were happy, though, her and I. Just when I was getting old enough to do odd jobs, bring in some money to make her life easier, she got sick. I stayed home to nurse her. She had no strength left. But somehow she'd scraped together the last of her red yarn and made me a pair of stockings. My Christmas gift that year." Sensing his thoughts lingered in the past, Louisa brushed a finger over the scrap in her palm. "She died several weeks later." Louise caught her breath, aching for the pain of that young man. "I took a lot of ribbing for wearing red stockings. But I didn't give them up, even when I could afford to. I felt like they kept my ma close. Like she was with me." Tears welled up in Louisa's eyes. One dripped over. He caught the drop on the tip of his finger. "They brought me luck." "That's why you're called Red. I wondered.

Stepan Arkadyevitch had not chosen his political opinions or his views; these political opinions and views had come to him of themselves, just as he did not choose the shapes of his hat and coat, but simply took those that were being worn. And for him, living in a certain society—owing to the need, ordinarily developed at years of discretion, for some degree of mental activity—to have views was just as indispensable as to have a hat. If there was a reason for his preferring liberal to conservative views, which were held also by many of his circle, it arose not from his considering liberalism more rational, but from its being in closer accordance with his manner of life. The liberal party said that in Russia everything is wrong, and certainly Stepan Arkadyevitch had many debts and was decidedly short of money. The liberal party said that marriage is an institution quite out of date, and that it needs reconstruction; and family life certainly afforded Stepan Arkadyevitch little gratification, and forced him into lying and hypocrisy, which was so repulsive to his nature. The liberal party said, or rather allowed it to be understood, that religion is only a curb to keep in check the barbarous classes of the people; and Stepan Arkadyevitch could not get through even a short service without his legs aching from standing up, and could never make out what was the object of all the terrible and high-flown language about another world when life might be so very amusing in this world. And with all this, Stepan Arkadyevitch, who liked a joke, was fond of puzzling a plain man by saying that if he prided himself on his origin, he ought not to stop at Rurik and disown the first founder of his family—the monkey. And so Liberalism had become a habit of Stepan Arkadyevitch's, and he liked his newspaper, as he did his cigar after dinner, for the slight fog it diffused in his brain. He read the leading article, in which it was maintained that it was quite senseless in our day to raise an outcry that radicalism was threatening to swallow up all conservative elements, and that the government ought to take measures to crush the revolutionary hydra; that, on the contrary, "in our opinion the danger lies not in that fantastic revolutionary hydra, but in the obstinacy of traditionalism clogging progress," etc., etc. He read another article, too, a financial one, which alluded to Bentham and Mill, and dropped some innuendoes reflecting on the ministry. With his characteristic quickwittedness he caught the drift of each innuendo, divined whence it came, at whom and on what ground it was aimed, and that afforded him, as it always did, a certain satisfaction. But today that satisfaction was embittered by Matrona Philimonovna's advice and the unsatisfactory state of the household. He read, too, that Count Beist was rumored to have left for Wiesbaden, and that one need have no more gray hair, and of the sale of a light carriage, and of a young person seeking a situation; but these items of information did not give him, as usual, a quiet, ironical gratification. Having finished the paper, a second cup of coffee and a roll and butter, he got up, shaking the crumbs of the roll off his waistcoat; and, squaring his broad chest, he smiled joyously: not because there was anything particularly agreeable in his mind—the joyous smile was evoked by a good digestion.

A brick could be used to show you how to live a richer, fuller, more satisfying life. Don’t you want to have fulfillment and meaning saturating your existence? I can show you how you can achieve this and so much more with just a simple brick. For just $99.99—not even an even hundred bucks, I’ll send you my exclusive life philosophy that’s built around a brick. Man’s used bricks to build houses for centuries. Now let one man, me, show you how a brick can be used to build your life up bigger and stronger than you ever imagined. But act now, because supplies are limited. This amazing offer won’t last forever. You don’t want to wake up in ten years to find yourself divorced, homeless, and missing your testicles because you waited even two hours too long to obtain this information. Become a hero today—save your life. Procrastination is only for the painful things in life. We prolong the boring, but why put off for tomorrow the exciting life you could be living today? If you’re not satisfied with the information I’m providing, I’m willing to offer you a no money back guarantee. That’s right, you read that wrong. If you are not 100% dissatisfied with my product, I’ll give you your money back. For $99.99 I’m offering 99.99%, but you’ve got to be willing to penny up that percentage to 100. Why delay? The life you really want is mine, and I’m willing to give it to you—for a price. That price is a one-time fee of $99.99, which of course everyone can afford—even if they can’t afford it. Homeless people can’t afford it, but they’re the people who need my product the most. Buy my product, or face the fact that in all probability you are going to end up homeless and sexless and unloved and filthy and stinky and probably even disabled, if not physically than certainly mentally. I don’t care if your testicles taste like peanut butter—if you don’t buy my product, even a dog won’t lick your balls you miserable cur. I curse you! God damn it, what are you, slow? Pay me my money so I can show you the path to true wealth. Don’t you want to be rich? Everything takes money—your marriage, your mortgage, and even prostitutes. I can show you the path to prostitution—and it starts by ignoring my pleas to help you. I’m not the bad guy here. I just want to help. You have some serious trust issues, my friend. I have the chance to earn your trust, and all it’s going to cost you is a measly $99.99. Would it help you to trust me if I told you that I trust you? Well, I do. Sure, I trust you. I trust you to make the smart decision for your life and order my product today. Don’t sleep on this decision, because you’ll only wake up in eight hours to find yourself living in a miserable future. And the future indeed looks bleak, my friend. War, famine, children forced to pimp out their parents just to feed the dog. Is this the kind of tomorrow you’d like to live in today? I can show you how to provide enough dog food to feed your grandpa for decades. In the future I’m offering you, your wife isn’t a whore that you sell for a knife swipe of peanut butter because you’re so hungry you actually considered eating your children. Become a hero—and save your kids’ lives. Your wife doesn’t want to spread her legs for strangers. Or maybe she does, and that was a bad example. Still, the principle stands. But you won’t be standing—in the future. Remember, you’ll be confined to a wheelchair. Mushrooms are for pizzas, not clouds, but without me, your life will atom bomb into oblivion. Nobody’s dropping a bomb while I’m around. The only thing I’m dropping is the price. Boom! I just lowered the price for you, just to show you that you are a valued customer. As a VIP, your new price on my product is just $99.96. That’s a savings of over two pennies (three, to be precise). And I’ll even throw in a jar of peanut butter for free. That’s a value of over $.99. But wait, there’s more! If you call within the next ten minutes, I’ll even throw in a blanket free of charge. . .

Billions of dollars, trying unsuccessfully to keep drugs out of the world’s most porous border? One-tenth of the anti-drug budget going into education and treatment, nine-tenths of those billions into interdiction? And not enough money from anywhere going into the root causes of the drug problem itself. And the billions spent keeping drug offenders locked up in prison, the cells now so crowded we have to give early release to murderers. Not to mention the fact that two-thirds of all the “non-drug” offenses in America are committed by people high on dope or alcohol. And our solutions are the same futile non-solutions—build more prisons, hire more police, spend more and more billions of dollars not curing the symptoms while we ignore the disease. Most people in my area who want to kick drugs can’t afford to get into a treatment program unless they have blue-chip health insurance, which most of them don’t. And there’s a six-month-to-two-year waiting list to get a bed in a subsidized treatment program. We’re spending almost $2 billion poisoning cocaine crops and kids over here, while there’s no money at home to help someone who wants to get off drugs. It’s insanity.

When his patients could not afford to pay (for dental services), Dad never denied them. He would discount the cost or set up a payment plan. New York had a lot of talented, starving artists. Most of the artwork in our home Dad traded for crowns and bridges. The barter system worked, just as it had before the money system took over. Now, several of the lovely paintings grace our home in Hawaii. These works of art remind me of my dad’s generosity and his admiration for other people’s gifts. I have passed these lessons of compassion on to my son and eventually will pass on the paintings.

We decided to attend to our community instead of asking our community to attend the church.” His staff started showing up at local community events such as sports contests and town hall meetings. They entered a float in the local Christmas parade. They rented a football field and inaugurated a Free Movie Night on summer Fridays, complete with popcorn machines and a giant screen. They opened a burger joint, which soon became a hangout for local youth; it gives free meals to those who can’t afford to pay. When they found out how difficult it was for immigrants to get a driver’s license, they formed a drivers school and set their fees at half the going rate. My own church in Colorado started a ministry called Hands of the Carpenter, recruiting volunteers to do painting, carpentry, and house repairs for widows and single mothers. Soon they learned of another need and opened Hands Automotive to offer free oil changes, inspections, and car washes to the same constituency. They fund the work by charging normal rates to those who can afford it. I heard from a church in Minneapolis that monitors parking meters. Volunteers patrol the streets, add money to the meters with expired time, and put cards on the windshields that read, “Your meter looked hungry so we fed it. If we can help you in any other way, please give us a call.” In Cincinnati, college students sign up every Christmas to wrap presents at a local mall — ​no charge. “People just could not understand why I would want to wrap their presents,” one wrote me. “I tell them, ‘We just want to show God’s love in a practical way.’ ” In one of the boldest ventures in creative grace, a pastor started a community called Miracle Village in which half the residents are registered sex offenders. Florida’s state laws require sex offenders to live more than a thousand feet from a school, day care center, park, or playground, and some municipalities have lengthened the distance to half a mile and added swimming pools, bus stops, and libraries to the list. As a result, sex offenders, one of the most despised categories of criminals, are pushed out of cities and have few places to live. A pastor named Dick Witherow opened Miracle Village as part of his Matthew 25 Ministries. Staff members closely supervise the residents, many of them on parole, and conduct services in the church at the heart of Miracle Village. The ministry also provides anger-management and Bible study classes.

Money depends on the scarcity of what props it up for its value, but isn’t that also an illusion? Rare and precious metals like diamonds are controlled by blood merchants who modulate their flow to keep the value at an acceptable level. And if gold is so rare, how are there enough gold bars to build a home for a family of two in Fort Knox alone? It doesn’t help that all things are constantly devalued. Before Gutenberg made type movable, only the wealthiest could afford books, and a Bible with tooled leather cover, gold-edged pages, and jewel-encrusted bindings was a symbol of not just piety but status, wealth, and taste. Within a few generations, the rabble were able to follow along in the hymnals from the cheap seats, forcing the wealthy to find another symbol to lord over the hoi polloi. ’Twas ever thus. The battle between the rich man and the poor man is fought on many battlefields, not all of them immediately obvious. Today the wealthy dress in sweatsuits and the homeless have iPhones. People with no discernible income buy flawless knockoff watches with one-letter misspellings to thwart copyright. And then wealthy people buy the same “Rulex” so their six-figure real watches won’t get stolen when they are out at dinner.

Taking on a mortgage to buy a house is the classic definition of “good debt.” But don’t be so sure. The easy availability of mortgage loans tempts far too many into buying houses they don’t need or that are far more expensive than prudent. Shamefully, this overspending is often encouraged by real estate agents and mortgage brokers. If your goal is financial independence, it is also to hold as little debt as possible. This means you’ll seek the least house to meet your needs rather than the most house you can technically afford. Remember, the more house you buy, the greater its cost. Not just in higher mortgage payments, but also in higher real estate taxes, insurance, utilities, maintenance and repairs, landscaping, remodeling, furnishing, and opportunity costs on all the money tied up as you build equity. To name a few. More house also means more stuff to maintain and fill it. The more and greater things you allow in your life, the more of your time, money, and life energy they demand. Houses are an expensive indulgence, not an investment. That’s OK if and when the time for such an indulgence comes. I’ve owned them myself. But don’t let yourself be blinded by the idea that owning one is necessary, always financially sound, and automatically justifies taking on this “good debt.

The godfather’s name is Saul Alinsky. His most famous students are Barack Obama and Hillary Clinton. Hardly anyone recognizes this, but Alinsky and the Alinsky method is the hidden force behind the 2008 economic meltdown. The meltdown was the worst economic crisis since the Great Depression; it was the main cause of median wealth in the United States in the subsequent three years declining nearly 40 percent. While the meltdown is routinely attributed to Wall Street “greed,” its real cause was government and activist pressure on banks and banking agencies—like Fannie Mae and Freddie Mac—to change their lending and loan guarantee practices. Yes, the 2008 crash was actually the result of an Alinskyite scam—actually a series of Alinskyite scams, carried out over many years. Basically the Alinskyites were trying to steal money from the banks and, in the process, force the banks to make loans to people that they had no intention of making loans to. The banks acquiesced, and eventually the whole scheme came crashing down. It was toppled not by greed but by the sober reality that when you loan money to millions of people who cannot afford to pay, those people are very likely to default on those loans. That’s how Alinskyites almost destroyed the U.S. economy a few years ago. If Alinsky had never lived, none of this would have happened.

I think that in general, apart from expert opinion, there is too much respect paid to the opinions of others, both in great matters and in small ones. One should respect public opinion in so far as necessary to avoid starvation and to keep out of prison, but anything that goes beyond this is voluntary submission to an unnecessary tyranny, and is likely to interfere with happiness in all kinds of ways. Take, for example, the matter of expenditure. Very many people spend money in ways quite different from those that their natural tastes would enjoin, merely because they feel that the respect of their neighbours depends upon their possession of a good car and their ability to give good dinners. As a matter of fact, any man who can obviously afford a car but genuinely prefers travel or a good library will in the end be much more respected than if he behaved exactly like every one else. There is of course no point in deliberately flouting public opinion; this is still to be under its domination, though in a topsy-turvy way. But to be genuinely indifferent to it is both a strength and a source of happiness. And a society composed of men and women who do not bow too much to the conventions is a far more interesting society than one in which all behave alike. Where each person’s character is developed individually, differences in type are preserved, and it is worth while to meet new people, because they are not mere replicas of those whom one has met already.

The Terrible People People who have what they want are very fond of telling people who haven't what they want that they really don't want it, And I wish I could afford to gather all such people into a gloomy castle on the Danube and hire half a dozen capable Draculas to haunt it. I don't mind their having a lot of money, and I don't care how they employ it, But I do think that they damn well ought to admit they enjoy it. But no, they insist on being stealthy About the pleasures of being wealthy, And the possession of a handsome annuity Makes them think that to say how hard it is to make both ends meet is their bounden duity. You cannot conceive of an occasion Which will find them without some suitable evasion. Yes indeed, with arguments they are very fecund; Their first point is that money isn't everything, and that they have no money anyhow is their second. Some people's money is merited, And other people's is inherited, But wherever it comes from, They talk about it as if it were something you got pink gums from. Perhaps indeed the possession of wealth is constantly distressing, But I should be quite willing to assume every curse of wealth if I could at the same time assume every blessing. The only incurable troubles of the rich are the troubles that money can't cure, Which is a kind of trouble that is even more troublesome if you are poor. Certainly there are lots of things in life that money won't buy, but it's very funny -- Have you ever tried to buy them without money?

Some have estimated that the pharmaceutical industry overall spends about twice as much on marketing and promotion as it does on research and development. Regardless of how those two figures compare to each other, the fact that they are in the same ballpark gives one pause, and this is worth mulling over in various contexts. For example, when a drug company refuses to let a developing country have affordable access to a new AIDS drug it’s because – the company says – it needs the money from sales to fund research and development on other new AIDS drugs for the future. If R&D is a fraction of the company’s outgoings, and it spends a similar amount on promotion, then this moral and practical argument doesn’t hold water quite so well. The scale of this spend is fascinating in itself, when you put it in the context of what we all expect from evidence-based medicine, which is that people will simply use the best treatment for the patient. Because when you pull away from the industry’s carefully fostered belief that this marketing activity is all completely normal, and stop thinking of drugs as being a consumer product like clothes or cosmetics, you suddenly realise that medicines marketing only exists for one reason. In medicine, brand identities are irrelevant, and there’s a factual, objective answer to whether one drug is the most likely to improve a patient’s pain, suffering and longevity. Marketing, therefore, one might argue, exists for no reason other than to pervert evidence-based decision-making in medicine.

Smokers exist in every kitchen. It kills a tastebud or two but we all die, and no one knows better than those who club the fish, clean the guts from the meat, and serve for your delectation a plate from which all blood has been wiped. We cook despite bad pay and sore backs and inadequate sleeps in apartments we can't afford and we wake up choosing again that most temporary of glories that is made, and then consumed: we know. We all die. Whether it comes after thirty years of hard labor or sixty at a desk, whether we calculate or plan, in the end we have only the choice of what touches the lips before we go: lobster if you like it or cold pizza if you don't, a sip of smoke, a drink, a job, a reckless passion, raw fish, the beguilement of mushrooms, cheese luscious beneath its crown of mold. What sustains in the end are doomed romances, and nicotine, and crappy peanut butter, damn the additives and cholesterol because life is finite and not all nourishment can be measured. When I learned to smoke behind a restaurant, my breath curling toward an inconsolable sky, I learned what it means to live by the tongue, dumb beast, obedient to neither time nor money, past nor future, loyal to a now worth living. I took my cigarette to the filter, and for the first time I appraised my employer back. He claimed to have evolved past fear. He lied. Behind the mask was a damp, scared boy. Fear of toxins, fear of carcinogens, tear of flood and smog and protest and entropy and all that could not be optimized, controlled, bought and held behind glass. Fear fueled a country so intent on perfection that they would give up the world.

The more time I spent in jail, the more I realized that the law isn't rational at all. It's a lottery. What color is your skin? How much money do you have? Who's your lawyer? Who's the judge? Shoplifting PlayStation games was less of an offense than driving with bad number plates. He had committed a crime, but he was not more a criminal than I was. The difference was that he didn't have any friends or family to help him out. He couldn't afford anything but a state attorney. He was going to go stand in the dock, unable to speak or understand English, and everyone in the courtroom was going to assume the worst of him. He was going to go to prison for a while and then be set free with the same nothing he had going in. If I had to guess, he was around thirty-five, forty years old, staring down another thirty-five, forty years of the same.

At first glance, professionalism tries to convince you it’s a neutral word, merely meant to signify a collection of behaviors, clothing, and norms “appropriate” for the workplace. We just ask that everyone be professional, the cis white men will say, smiles on their faces, as if they’re not asking for much. We try to maintain a professional office environment. But never has a word in the English language been so loaded with racism, sexism, heteronormativity, or trans exclusion. Whenever someone is telling you to “be professional,” they’re really saying, “be more like me.” If you’re black, “being professional” can often mean speaking differently, avoiding black cultural references, or not wearing natural hair. If you’re not American, “being professional” can mean abandoning your cultural dress for Western business clothes. If you’re not Christian, “being professional” can mean potentially removing your hijab to fit in, sitting by while your officemates ignore your need for kosher or halal food, sucking up the fact that your office puts up a giant Christmas tree every year. If you’re low-income or working class, “being professional” can mean spending money you don’t have on work clothes—“dressing nicely” for a job that may not pay enough for you to really afford to do so. If you’re a woman, “being professional” can mean navigating a veritable minefield of double standards. Show some skin, but don’t be a slut. Wear heels, but not too high, and not too low, either. Wear form-fitting clothes, but not too form-fitting. We offer maternity leave, but don’t “interrupt your career” by taking it. And if you’re trans like me, “being professional” can mean putting your identity away unless it conforms to dominant gender norms.

The New York Times recently reported that the most expensive schools are paradoxically cheaper for low-income students. Take, for example, a student whose parents earn thirty thousand per year—not a lot of money but not poverty level, either. That student would pay ten thousand for one of the less selective branch campuses of the University of Wisconsin but would pay six thousand at the school’s flagship Madison campus. At Harvard, the student would pay only about thirteen hundred despite tuition of over forty thousand. Of course, kids like me don’t know this. My buddy Nate, a lifelong friend and one of the smartest people I know, wanted to go to the University of Chicago as an undergraduate, but he didn’t apply because he knew he couldn’t afford it. It likely would have cost him considerably less than Ohio State, just as Yale cost considerably less for me than any other school.

So much of what my generation had been promised disintegrated at our touch. Consider the friend, a painter of seascapes, who dreamed of affording waterfront property. On the day the levees broke, the Gulf flooded her studio and painted her walls with costly oils. Consider the friend who worked for six years at a company he hated on the promise of a sabbatical, only to be let go. The friend who complained about family reunions and lost every relative over the age of fifty to a virus. The friend who saved up to invest in a fund and saw her money dissolve like sugar on the tongues of bankers who barely got a scolding from the SEC. The life we'd been promised was a scam, the world a scam, the whole goddamn play a scam and there seemed nothing to do but burn it down as rioters did in Paris, New York, Nairobi—and then creep back through the embers because what other choice did we have?

Sadly, we were going to have to flee. We’d need to find somewhere new, and soon, and that would mean paying for our own security. I went back to my notebooks, started contacting security firms again. Meg and I sat down to work out exactly how much security we could afford, and how much house. Exactly then, while we were revising our budget, word came down: Pa was cutting me off. I recognized the absurdity, a man in his mid-thirties being financially cut off by his father. But Pa wasn’t merely my father, he was my boss, my banker, my comptroller, keeper of the purse strings throughout my adult life. Cutting me off therefore meant firing me, without redundancy pay, and casting me into the void after a lifetime of service. More, after a lifetime of rendering me otherwise unemployable. I felt fatted for the slaughter. Suckled like a veal calf. I’d never asked to be financially dependent on Pa. I’d been forced into this surreal state, this unending Truman Show in which I almost never carried money, never owned a car, never carried a house key, never once ordered anything online, never received a single box from Amazon, almost never traveled on the Underground. (Once, at Eton, on a theater trip.) Sponge, the papers called me. But there’s a big difference between being a sponge and being prohibited from learning independence. After decades of being rigorously and systematically infantilized, I was now abruptly abandoned, and mocked for being immature? For not standing on my own two feet? The question of how to pay for a home and security kept Meg and me awake at nights. We could always spend some of my inheritance from Mummy, we said, but that felt like a last resort. We saw that money as belonging to Archie. And his sibling. It was then that we learned Meg was pregnant.

Television’s greatest appeal is that it is engaging without being at all demanding. One can rest while undergoing stimulation. Receive without giving. It’s the same in all low art that has as goal continued attention and patronage: it’s appealing precisely because it’s at once fun and easy. And the entrenchment of a culture built on Appeal helps explain a dark and curious thing: at a time when there are more decent and good and very good serious fiction writers at work in America than ever before, an American public enjoying unprecedented literacy and disposable income spends the vast bulk of its reading time and book dollar on fiction that is, by any fair standard, trash. Trash fiction is, by design and appeal, most like televised narrative: engaging without being demanding. But trash, in terms of both quality and popularity, is a much more sinister phenomenon. For while television has from its beginnings been openly motivated by — has been about—considerations of mass appeal and L.C.D. and profit, our own history is chock-full of evidence that readers and societies may properly expect important, lasting contributions from a narrative art that understands itself as being about considerations more important than popularity and balance sheets. Entertainers can divert and engage and maybe even console; only artists can transfigure. Today’s trash writers are entertainers working artists’ turf. This in itself is nothing new. But television aesthetics, and television-like economics, have clearly made their unprecedented popularity and reward possible. And there seems to me to be a real danger that not only the forms but the norms of televised art will begin to supplant the standards of all narrative art. This would be a disaster. [...] Even the snottiest young artiste, of course, probably isn’t going to bear personal ill will toward writers of trash; just as, while everybody agrees that prostitution is a bad thing for everyone involved, few are apt to blame prostitutes themselves, or wish them harm. If this seems like a non sequitur, I’m going to claim the analogy is all too apt. A prostitute is someone who, in exchange for money, affords someone else the form and sensation of sexual intimacy without any of the complex emotions or responsibilities that make intimacy between two people a valuable or meaningful human enterprise. The prostitute “gives,” but — demanding nothing of comparable value in return — perverts the giving, helps render what is supposed to be a revelation a transaction. The writer of trash fiction, often with admirable craft, affords his customer a narrative structure and movement, and content that engages the reader — titillates, repulses, excites, transports him — without demanding of him any of the intellectual or spiritual or artistic responses that render verbal intercourse between writer and reader an important or even real activity." - from "Fictional Futures and the Conspicuously Young

...I shall let [Anne] Wallace put the case herself, at what I think is necessary length: 'As travel in general becomes physically easier, faster, and less expensive, more people want and are able to arrive at more destinations with less unpleasant awareness of their travel process. At the same time the availability of an increasing range of options in conveyance, speed, price, and so forth actually encouraged comparisons of these different modes...and so an increasingly positive awareness of process that even permitted semi-nostalgic glances back at the bad old days...Then, too, although local insularity was more and more threatened...people also quite literally became more accustomed to travel and travellers, less fearful of 'foreign' ways, so that they gradually became able to regard travel as an acceptable recreation. Finally, as speeds increased and costs decreased, it simply ceased to be true that the mass of people were confined to that circle of a day's walk: they could afford both the time and the money to travel by various means and for purely recreational purposes...And as walking became a matter of choice, it became a possible positive choice: since the common person need not necessarily be poor. Thus, as awareness of process became regarded as advantageous, 'economic necessity' became only one possible reading (although still sometimes a correct one) in a field of peripatetic meanings that included 'aesthetic choice'.' It sounds a persuasive case. It is certainly possible that something like the shift in consciousness that Wallace describes may have taken place by the 'end' (as conventionally conceived) of the Romantic period, and influenced the spread of pedestrianism in the 1820s and 1830s; even more likely that such a shift was instrumental in shaping the attitudes of Victorian writing in the railway age, and helped generate the apostolic fervour with which writers like Leslie Stephen and Robert Louis Stevenson treated the walking tour. But it fails to account for the rise of pedestrianism as I have narrated it.

Kim was twenty-three, single, on her own, and at a job making $27,000 per year. She had recently started her Total Money Makeover. She was behind on credit cards, not on a budget, and barely making her rent because her spending was out of control. She let her car insurance drop because she “couldn’t afford it.” She did her first budget and two days later was in a car wreck. Since it wasn’t bad, the damage to the other guy’s car was only about $550. As Kim looked at me through panicked tears, that $550 might as well have been $55,000. She hadn’t even started Baby Step One. She was trying to get current, and now she had one more hurdle to clear before she even started. This was a huge emergency. Seven years ago George and Sally were in the same place. They were broke with new babies, and George’s career was sputtering. George and Sally fought and scraped through a Total Money Makeover. Today they are debt-free, even their $85,000 home. They have a $12,000 emergency fund, retirement in Roth IRAs, and even the kids’ college is funded. George has grown personally, his career has blossomed, and he now makes $75,000 per year while Sally stays home with the kids. One day a piece of trash flew out of the back of George’s pickup and hit a car behind him on the interstate. The damage was about $550. I think you can see that George and Sally probably adjusted one month’s budget and paid the repairs, while Kim dealt with her wreck for months. The point is that as you get in better shape, it takes a lot more to rock your world. When the accidents occurred, George’s heart rate didn’t even change, but Kim needed a Valium sandwich to calm down. Those true stories illustrate the fact that as you progress through your Total Money Makeover, the definition of an emergency that is worthy to be covered by the emergency fund changes. As you have better health insurance, disability insurance, more room in your budget, and better cars, you will have fewer things that qualify as emergency-fund emergencies. What used to be a huge, life-altering event will become a mere inconvenience.

There was once a businessman who was sitting by the beach in a small Brazilian village. As he sat, he saw a Brazilian fisherman rowing a small boat toward the shore having caught quite a few big fish. The businessman was impressed and asked the fisherman, “How long does it take you to catch so many fish?” The fisherman replied, “Oh, just a short while.” “Then why don’t you stay longer at sea and catch even more?” The businessman was astonished. “This is enough to feed my whole family,” the fisherman said. The businessman then asked, “So, what do you do for the rest of the day?” The fisherman replied, “Well, I usually wake up early in the morning, go out to sea and catch a few fish, then go back and play with my kids. In the afternoon, I take a nap with my wife, and [when] evening comes, I join my buddies in the village for a drink—we play guitar, sing and dance throughout the night.” The businessman offered a suggestion to the fisherman. “I am a PhD in business management. I could help you to become a more successful person. From now on, you should spend more time at sea and try to catch as many fish as possible. When you have saved enough money, you could buy a bigger boat and catch even more fish. Soon you will be able to afford to buy more boats, set up your own company, your own production plant for canned food and distribution network. By then, you will have moved out of this village and to São Paulo, where you can set up an HQ to manage your other branches.” The fisherman continues, “And after that?” The businessman laughs heartily. “After that, you can live like a king in your own house, and when the time is right, you can go public and float your shares in the Stock Exchange, and you will be rich.” The fisherman asks, “And after that?” The businessman says, “After that, you can finally retire, you can move to a house by the fishing village, wake up early in the morning, catch a few fish, then return home to play with [your] kids, have a nice afternoon nap with your wife, and when evening comes, you can join your buddies for a drink, play the guitar, sing and dance throughout the night!” The fisherman was puzzled. “Isn’t that what I am doing now?

During the ceremony celebrating the unveiling of Chicago’s huge outdoor Picasso sculpture in the plaza across from City Hall, I happened to be standing next to a personal-injury lawyer with whom I was acquainted. As the inaugural speech droned on, I noticed a look of intense concentration on his face, and that his lips were moving. Asked what he was thinking, he answered that he was trying to estimate the amount of money the city was going to have to pay to settle suits involving children who got hurt climbing the sculpture. Was this lawyer lucky, because he could transform everything he saw into a professional problem his skills could master, and thus live in constant flow? Or was he depriving himself of an opportunity to grow by paying attention only to what he was already familiar with, and ignoring the aesthetic, civic, and social dimensions of the event? Perhaps both interpretations are accurate. In the long run, however, looking at the world exclusively from the little window that one’s self affords is always limiting. Even the most highly respected physicist, artist, or politician becomes a hollow bore and ceases to enjoy life if all he can interest himself in is his limited role in the universe.

And these two very old people are the father and mother of Mrs Bucket. Their names are Grandpa George and Grandma Georgina. This is Mr Bucket. This is Mrs Bucket. Mr and Mrs Bucket have a small boy whose name is Charlie Bucket. This is Charlie. How d’you do? And how d’you do? And how d’you do again? He is pleased to meet you. The whole of this family – the six grown-ups (count them) and little Charlie Bucket – live together in a small wooden house on the edge of a great town. The house wasn’t nearly large enough for so many people, and life was extremely uncomfortable for them all. There were only two rooms in the place altogether, and there was only one bed. The bed was given to the four old grandparents because they were so old and tired. They were so tired, they never got out of it. Grandpa Joe and Grandma Josephine on this side, Grandpa George and Grandma Georgina on this side. Mr and Mrs Bucket and little Charlie Bucket slept in the other room, upon mattresses on the floor. In the summertime, this wasn’t too bad, but in the winter, freezing cold draughts blew across the floor all night long, and it was awful. There wasn’t any question of them being able to buy a better house – or even one more bed to sleep in. They were far too poor for that. Mr Bucket was the only person in the family with a job. He worked in a toothpaste factory, where he sat all day long at a bench and screwed the little caps on to the tops of the tubes of toothpaste after the tubes had been filled. But a toothpaste cap-screwer is never paid very much money, and poor Mr Bucket, however hard he worked, and however fast he screwed on the caps, was never able to make enough to buy one half of the things that so large a family needed. There wasn’t even enough money to buy proper food for them all. The only meals they could afford were bread and margarine for breakfast, boiled potatoes and cabbage for lunch, and cabbage soup for supper. Sundays were a bit better. They all looked forward to Sundays because then, although they had exactly the same, everyone was allowed a second helping. The Buckets, of course, didn’t starve, but every one of them – the two old grandfathers, the two old grandmothers, Charlie’s father, Charlie’s mother, and especially little Charlie himself – went about from morning till night with a horrible empty feeling in their tummies. Charlie felt it worst of all. And although his father and mother often went without their own share of lunch or supper so that they could give it to him, it still wasn’t nearly enough for a growing boy. He desperately wanted something more filling and satisfying than cabbage and cabbage soup. The one thing he longed for

Maybe I am a rogue, but I won't be a rogue forever, Rhett. But during these past years -- and even now -- what else could I have done? How else could I have acted? I've felt that I was trying to row a heavily loaded boat in a storm. I've had so much trouble just trying to keep afloat that I couldn't be bothered about things that didn't matter, things I could part with easily and not miss, like good manners and -- well, things like that. I've been too afraid my boat would be swamped and so I've dumped overboard the things that seemed least important." "Pride and honor and truth and virtue and kindliness," he enumerated silkily. "You are right, Scarlett. They aren't important when a boat is sinking. But look around you at your friends. Either they are bringing their boats ashore safely with cargoes intact or they are content to go down with all flags flying." "They are a passel of fools," she said shortly. "There's a time for all things. When I've got plenty of money, I'll be nice as you please, too. Butter won't melt in my mouth. I can afford to be then." "You can afford to be -- but you won't. It's hard to salvage jettisoned cargo and, if it is retrieved, it's usually irreparably damaged. And I fear that when you can afford to fish up the honor and virtue and kindness you've thrown overboard, you'll find they have suffered a sea change and not, I fear, into something rich and strange. . . .

One of the incidental benefits of price sharing and competition is that people don't tend to see themselves as rivals, nor do they develop the kind of hostility that rivalry can bring. For example, much of the labor force and building materials needed to build a Protestant church can be used to build a Catholic church. But if a Protestant congregation is collecting money to build their church, the concern will be how much money they can raise and how much they will need to build the kind of church they want. Construction prices may force them to forego some of their more elaborate plans in order to stay within the limits of what they can afford. But they are unlikely to blame Catholics, even though the competition with them for the same building materials drives prices higher. If, on the contrary, the government built churches and distributed them among the different religious groups, Protestants and Catholics, they would be rivals and neither of them would have any financial incentive to cut their construction plans for the benefit of the other. Instead, each would have an incentive to justify, in the strongest possible way and in favor of their needs, the mobilization of their followers in the political arena, to insist on receiving what they want and to oppose any intention to reduce their plans. . The scarcity of materials and labor would still limit what can be built, but that limit would be imposed politically and seen by both groups as a result of their rivalry.

My Future Self My future self and I become closer and closer as time goes by. I must admit that I neglected and ignored her until she punched me in the gut, grabbed me by the hair and turned my butt around to introduce herself. Well, at least that’s what it felt like every time I left the convalescent hospital after doing skills training for a certification I needed to help me start my residential care business. I was going to be providing specialized, 24/7 residential care and supervising direct care staff for non-verbal, non-ambulatory adult men in diapers! I ran to the Red Cross and took the certified nurse assistant class so I would at least know something about the job I would soon be hiring people to do and to make sure my clients received the best care. The training facility was a Medicaid hospital. I would drive home in tears after seeing what happens when people are not able to afford long-term medical care and the government has to provide that care. But it was seeing all the “young” patients that brought me to tears. And I had thought that only the elderly lived like this in convalescent hospitals…. I am fortunate to have good health but this experience showed me that there is the unexpected. So I drove home each day in tears, promising God out loud, over and over again, that I would take care of my health and take care of my finances. That is how I met my future self. She was like, don’t let this be us girlfriend and stop crying! But, according to studies, we humans have a hard time empathizing with our future selves. Could you even imagine your 30 or 40 year old self when you were in elementary or even high school? It’s like picturing a stranger. This difficulty explains why some people tend to favor short-term or immediate gratification over long-term planning and savings. Take time to picture the life you want to live in 5 years, 10 years, and 40 years, and create an emotional connection to your future self. Visualize the things you enjoy doing now, and think of retirement saving and planning as a way to continue doing those things and even more. However, research shows that people who interacted with their future selves were more willing to improve savings. Just hit me over the head, why don’t you! I do understand that some people can’t even pay attention or aren’t even interested in putting money away for their financial future because they have so much going on and so little to work with that they feel like they can’t even listen to or have a conversation about money. But there are things you’re doing that are not helping your financial position and could be trouble. You could be moving in the wrong direction. The goal is to get out of debt, increase your collateral capacity, use your own money in the most efficient manner and make financial decisions that will move you forward instead of backwards. Also make sure you are getting answers specific to your financial situation instead of blindly guessing! Contact us. We will be happy to help!

sighed. “I can’t say that you weren’t expected.” “I’m just going to be walking around here and taking some measurements. It says here… you own eighty acres? That is one of the most gorgeous mansions I have ever seen,” he rambled on. “It must have cost you millions. I could never afford such a beauty. Well, heck, for that matter I couldn’t afford the millions of dollars in taxes a house like this would assess, let alone such a pricey property. Do you have an accountant?” Zo opened her mouth to respond, but he continued, “For an estate this size, I would definitely have one.” “I do have an accountant,” she cut in, with frustration. “Furthermore, I have invested a lot of money bringing this mansion up to speed. You can see my investment is great.” “Of course, it would be. The fact of the matter is, Mrs. Kane, a lot of people are in over their heads in property. You still have to pay up, or we take the place. Well, I’ll get busy now. Pay no mind to me.” He walked on, taking notes. “Clairrrrre!” Zo called as soon as she entered the house. “Bring your cell phone!” Two worry-filled months went by and many calls were made to lawyers, before Zoey finally picked one that made her feel confident. And then the letter came with the totals and the due date. “There is no way we can pay this, Mom, even if we sold off some of our treasures, because a lot of them are contracted to museums anyway. I am feeling awfully poor all of a sudden, and insecure.” “Yes, and I did some research, thinking I’d be forced to sell. It’s unlikely that anyone else around here can afford this place. It looks like they are going to get it all; they aren’t just charging for this year. What we have here is a value about equal to a little country. And all the new construction sites for housing developments suddenly popping up on this side of the river, does not help. Value is going up.” Zo put her head in her hands. “Ohhh, oh, oh, oh!” “Yeah, bring out the ice-cream and cake. I need comforting,” sighed Claire. The cell phone rang. “Yes, tonight? You guys have become pretty good to us, haven’t you?! You know, Bob, Mom and I thought we were just going to pig out on ice cream and cake. We found out we are losing this estate and are going to be poor again and we are bummed out.” There was a long pause. “No, that’s okay, I understand. Yeah, okay, bye.” “Well?” Zo ask dryly. “He was appropriately sorry, and he got off the phone fast, saying he remembered he had other business to take care of. Do you want to cry? I do…” “I’ll get the cake and dish the ice cream. You make our tea and we’ll cry together.” A pitter patter began to drum on the window. “Rain again. It seems softer though, dear.” “I thought you said this was going to be a softer rain!” It started to pour. “At least this is not a thunder storm… What was that?” “Thunder,” replied Claire, unmoved and resigned. An hour had gone by when there was a rapping at the door. “People rarely use the doorbell, ever notice that?” Zo asked on the way to the door. She opened it to reveal two wet guys holding a pizza, salad, soft drink, and giant chocolate chip cookies in a plastic container. In a plastic

Sacrosanctis was in fact the public face of a corporate conspiracy between the leading men of three powerful European families: the Medici (in the form of Pope Leo); Jakob Fugger, head of the Augsburg banking and mining dynasty and a man often said to have been the richest in human history; and Albert, archbishop of Mainz, a member of the politically influential Hohenzollern dynasty and (not coincidentally) the man to whom Luther mailed the first copy of his Theses. The nature of the agreement between these three was broadly thus: Albert, who was already archbishop of Magdeburg, had been permitted by the pope to become archbishop of Mainz at the same time – which made him the most senior churchman in Germany, and meant he controlled two of the seven electoral votes which determined the identity of the German emperor. (His brother already controlled a third.) Vast fees were due to Rome as a tax on taking office as an archbishop – but Albert could afford these, thanks to a loan from Fugger, who advanced the money on the basis that he would have the Hohenzollern and their electoral votes in his pocket. Albert, for his part, promised Leo he would do all he could to make sure that German Christians bought as many indulgences as possible, partly because his share of the proceeds could repay his debt to Fugger and partly so that funds would flow rapidly to Leo in Rome for the completion of St Peter’s. For the parties involved this was a neat arrangement by which they all got what they wanted – so long as the faithful did their part and kept pumping money into pardons.

she feels lucky to have a job, but she is pretty blunt about what it is like to work at Walmart: she hates it. She’s worked at the local Walmart for nine years now, spending long hours on her feet waiting on customers and wrestling heavy merchandise around the store. But that’s not the part that galls her. Last year, management told the employees that they would get a significant raise. While driving to work or sorting laundry, Gina thought about how she could spend that extra money. Do some repairs around the house. Or set aside a few dollars in case of an emergency. Or help her sons, because “that’s what moms do.” And just before drifting off to sleep, she’d think about how she hadn’t had any new clothes in years. Maybe, just maybe. For weeks, she smiled at the notion. She thought about how Walmart was finally going to show some sign of respect for the work she and her coworkers did. She rolled the phrase over in her mind: “significant raise.” She imagined what that might mean. Maybe $2.00 more an hour? Or $2.50? That could add up to $80 a week, even $100. The thought was delicious. Then the day arrived when she received the letter informing her of the raise: 21 cents an hour. A whopping 21 cents. For a grand total of $1.68 a day, $8.40 a week. Gina described holding the letter and looking at it and feeling like it was “a spit in the face.” As she talked about the minuscule raise, her voice filled with anger. Anger, tinged with fear. Walmart could dump all over her, but she knew she would take it. She still needed this job. They could treat her like dirt, and she would still have to show up. And that’s exactly what they did. In 2015, Walmart made $14.69 billion in profits, and Walmart’s investors pocketed $10.4 billion from dividends and share repurchases—and Gina got 21 cents an hour more. This isn’t a story of shared sacrifice. It’s not a story about a company that is struggling to keep its doors open in tough times. This isn’t a small business that can’t afford generous raises. Just the opposite: this is a fabulously wealthy company making big bucks off the Ginas of the world. There are seven members of the Walton family, Walmart’s major shareholders, on the Forbes list of the country’s four hundred richest people, and together these seven Waltons have as much wealth as about 130 million other Americans. Seven people—not enough to fill the lineup of a softball team—and they have more money than 40 percent of our nation’s population put together. Walmart routinely squeezes its workers, not because it has to, but because it can. The idea that when the company does well, the employees do well, too, clearly doesn’t apply to giants like this one. Walmart is the largest employer in the country. More than a million and a half Americans are working to make this corporation among the most profitable in the world. Meanwhile, Gina points out that at her store, “almost all the young people are on food stamps.” And it’s not just her store. Across the country, Walmart pays such low wages that many of its employees rely on food stamps, rent assistance, Medicaid, and a mix of other government benefits, just to stay out of poverty. The

Danae and the God of Gold. — Whence arises this excessive impatience in our day which turns men into criminals even in circumstances which would be more likely to bring about the contrary tendency? What induces one man to use false weights, another to set his house on fire after having insured it for more than its value, a third to take part in counterfeiting, while three-fourths of our upper classes indulge in legalised fraud, and suffer from the pangs of conscience that follow speculation and dealings on the Stock Exchange: what gives rise to all this? It is not real want, — for their existence is by no means precarious; perhaps they have even enough to eat and drink without worrying, — but they are urged on day and night by a terrible impatience at seeing their wealth pile up so slowly, and by an equally terrible longing and love for these heaps of gold. In this impatience and love, however, we see re-appear once more that fanaticism of the desire for power which was stimulated in former times by the belief that we were in the possession of truth, a fanaticism which bore such beautiful names that we could dare to be inhuman with a good conscience (burning Jews, heretics, and good books, and exterminating entire cultures superior to ours, such as those of Peru and Mexico). The means of this desire for power are changed in our day, but the same volcano is still smouldering, impatience and intemperate love call for their victims, and what was once done “for the love of God” is now done for the love of money, i.e. for the love of that which at present affords us the highest feeling of power and a good conscience.

A second element in the creation of commercial value is scarcity, the separation of people from whatever they might want or need. In artificial environments, where humans are separated from the sources of their survival, everything obtains a condition of relative scarcity and therefore value. There is the old story of the native living on a Pacific island, relaxing in a house on the beach, picking fruit from the tree and spearing fish in the water. A businessman arrives on the island, buys all the land, cuts down the trees and builds a factory. Then he hires the native to work in it for money so that someday the native can afford canned fruit and fish from the mainland, a nice little cinder-block house near the beach with a view of the water, and weekends off to enjoy it. The moment people move off land which has directly supported them, the necessities of life are removed from individual control. The things people could formerly produce for their survival must now be paid for. You may be living on the exact spot where a fruit tree once fed people. Now the fruit comes from five hundred miles away and costs thirty-five cents apiece. It is in the separation that the opportunity for profit resides. When the basic necessities are not scarce—in those places where food is still wild and abundant, for example—economic value can only be applied to new items. Candy bars, bottled or chemical milk, canned tuna, electrical appliances and CocaCola have all been intensively marketed in countries new to the market system. Because these products hadn’t existed in those places before, they are automatically relatively scarce and potentially valuable.

When the time comes, & I hope it comes soon, to bury this era of moral rot & the defiling of our communal, social, & democratic norms, the perfect epitaph for the gravestone of this age of unreason should be Iowa Senator Chuck Grassley's already infamous quote: "I think not having the estate tax recognizes the people that are investing... as opposed to those that are just spending every darn penny they have, whether it’s on booze or women or movies.” Grassley's vision of America, quite frankly, is one I do not recognize. I thought the heart of this great nation was not limited to the ranks of the plutocrats who are whisked through life in chauffeured cars & private jets, whose often inherited riches are passed along to children, many of whom no sacrifice or service is asked. I do not begrudge wealth, but it must come with a humility that money never is completely free of luck. And more importantly, wealth can never be a measure of worth. I have seen the waitress working the overnight shift at a diner to give her children a better life, & yes maybe even take them to a movie once in awhile - and in her, I see America. I have seen the public school teachers spending extra time with students who need help & who get no extra pay for their efforts, & in them I see America. I have seen parents sitting around kitchen tables with stacks of pressing bills & wondering if they can afford a Christmas gift for their children, & in them I see America. I have seen the young diplomat in a distant foreign capital & the young soldier in a battlefield foxhole, & in them I see America. I have seen the brilliant graduates of the best law schools who forgo the riches of a corporate firm for the often thankless slog of a district attorney or public defender's office, & in them I see America. I have seen the librarian reshelving books, the firefighter, police officer, & paramedic in service in trying times, the social worker helping the elderly & infirm, the youth sports coaches, the PTA presidents, & in them I see America. I have seen the immigrants working a cash register at a gas station or trimming hedges in the frost of an early fall morning, or driving a cab through rush hour traffic to make better lives for their families, & in them I see America. I have seen the science students unlocking the mysteries of life late at night in university laboratories for little or no pay, & in them I see America. I have seen the families struggling with a cancer diagnosis, or dementia in a parent or spouse. Amid the struggles of mortality & dignity, in them I see America. These, & so many other Americans, have every bit as much claim to a government working for them as the lobbyists & moneyed classes. And yet, the power brokers in Washington today seem deaf to these voices. It is a national disgrace of historic proportions. And finally, what is so wrong about those who must worry about the cost of a drink with friends, or a date, or a little entertainment, to rephrase Senator Grassley's demeaning phrasings? Those who can't afford not to worry about food, shelter, healthcare, education for their children, & all the other costs of modern life, surely they too deserve to be able to spend some of their “darn pennies” on the simple joys of life. Never mind that almost every reputable economist has called this tax bill a sham of handouts for the rich at the expense of the vast majority of Americans & the future economic health of this nation. Never mind that it is filled with loopholes written by lobbyists. Never mind that the wealthiest already speak with the loudest voices in Washington, & always have. Grassley’s comments open a window to the soul of the current national Republican Party & it it is not pretty. This is not a view of America that I think President Ronald Reagan let alone President Dwight Eisenhower or Teddy Roosevelt would have recognized. This is unadulterated cynicism & a version of top-down class warfare run amok. ~Facebook 12/4/17

Niobe earned the ire of the gods by bragging about her seven lovely daughters and seven “handsome sons—whom the easily offended Olympians soon slaughtered for her impertinence. Tantalus, Niobe’s father, killed his own son and served him at a royal banquet. As punishment, Tantalus had to stand for all eternity up to his neck in a river, with a branch loaded with apples dangling above his nose. Whenever he tried to eat or drink, however, the fruit would be blown away beyond his grasp or the water would recede. Still, while elusiveness and loss tortured Tantalus and Niobe, it is actually a surfeit of their namesake elements that has decimated central Africa. There’s a good chance you have tantalum or niobium in your pocket right now. Like their periodic table neighbors, both are dense, heat-resistant, noncorrosive metals that hold a charge well—qualities that make them vital for compact cell phones. In the mid-1990s cell phone designers started demanding both metals, especially tantalum, from the world’s largest supplier, the Democratic Republic of Congo, then called Zaire. Congo sits next to Rwanda in central Africa, and most of us probably remember the Rwandan butchery of the 1990s. But none of us likely remembers the day in 1996 when the ousted Rwandan government of ethnic Hutus spilled into Congo seeking “refuge. At the time it seemed just to extend the Rwandan conflict a few miles west, but in retrospect it was a brush fire blown right into a decade of accumulated racial kindling. Eventually, nine countries and two hundred ethnic tribes, each with its own ancient alliances and unsettled grudges, were warring in the dense jungles. Nonetheless, if only major armies had been involved, the Congo conflict likely would have petered out. Larger than Alaska and dense as Brazil, Congo is even less accessible than either by roads, meaning it’s not ideal for waging a protracted war. Plus, poor villagers can’t afford to go off and fight unless there’s money at stake. Enter tantalum, niobium, and cellular technology. Now, I don’t mean to impute direct blame. Clearly, cell phones didn’t cause the war—hatred and grudges did. But just as clearly, the infusion of cash perpetuated the brawl. Congo has 60 percent of the world’s supply of the two metals, which blend together in the ground in a mineral called coltan. Once cell phones caught on—sales rose from virtually zero in 1991 to more than a billion by 2001—the West’s hunger proved as strong as Tantalus’s, and coltan’s price grew tenfold. People purchasing ore for cell phone makers didn’t ask and didn’t care where the coltan came from, and Congolese miners had no idea what the mineral was used for, knowing only that white people paid for it and that they could use the profits to support their favorite militias. Oddly, tantalum and niobium proved so noxious because coltan was so democratic. Unlike the days when crooked Belgians ran Congo’s diamond and gold mines, no conglomerates controlled coltan, and no backhoes and dump trucks were necessary to mine it. Any commoner with a shovel and a good back could dig up whole pounds of the stuff in creek beds (it looks like thick mud). In just hours, a farmer could earn twenty times what his neighbor did all year, and as profits swelled, men abandoned their farms for prospecting. This upset Congo’s already shaky food supply, and people began hunting gorillas for meat, virtually wiping them out, as if they were so many buffalo. But gorilla deaths were nothing compared to the human atrocities. It’s not a good thing when money pours into a country with no government.