Financial Constraints Quotes

There are uses to adversity, and they don’t reveal themselves until tested. Whether it’s serious illness, financial hardship, or the simple constraint of parents who speak limited English, difficulty can tap unsuspected strengths. It doesn’t always, of course: I’ve seen life beat people down until they can’t get up. But I have never had to face anything that could overwhelm the native optimism and stubborn perseverance I was blessed with.

So, how many generations of Indebted need to suffer – even as the civilized trappings multiply and abound on all sides, with an ever-increasing proportion of those material follies out of their financial reach? How many, before we all collectively stop and say, “Aaii! That’s enough! No more suffering, please! No more hunger, no more war, no more inequity!” Well, as far as I can see, there are never enough generations. We just scrabble on, and on, devouring all within reach, including our own kind, as if it was nothing more than the undeniable expression of some natural law, and as such subject to no moral context, no ethical constraint – despite the ubiquitous and disingenuous blathering over-invocation of those two grand notions.

good engineers know how to apply constraints to help achieve their goals. Time constraints on engineers fuel creativity and resourcefulness. Financial constraints and the blatant physical constraints hinging on the laws of nature are also common, coupled with an unpredictable constraint—namely, human behavior.

Meanwhile, bank executives bristled—sometimes privately, but often in the press—at any suggestion that they had in any way screwed up, or should be subject to any constraints when it came to running their business. This last bit of chutzpah was most pronounced in the two savviest operators on Wall Street, Lloyd Blankfein of Goldman Sachs and Jamie Dimon of JPMorgan Chase, both of whom insisted that their institutions had avoided the poor management decisions that plagued other banks and neither needed nor wanted government assistance. These claims were true only if you ignored the fact that the solvency of both outfits depended entirely on the ability of the Treasury and the Fed to keep the rest of the financial system afloat, as well as the fact that Goldman in particular had been one of the biggest peddlers of subprime-based derivatives—and had dumped them onto less sophisticated customers right before the bottom fell out.

No one likes to admit being mistaken but, under the incentives and constraints of profit and loss, there is often no choice but to reverse course before financial losses threaten bankruptcy. In politics, however, the costs of the government’s mistakes are often paid by the taxpayers, while the costs of admitting mistakes are paid by elected officials.

Dr. Zackson’s is a licensed clinical psychologist in Greenwich, CT and New York City, and her practice is in a private, confidential, therapeutic setting. She has modeled her practice in the style of an ‘old-time’ family practitioner, with the goal of getting to know you beyond presenting issue taking into account family, work, and financial constraints. She will customize therapy to best suit your needs, and will ultimately help you to become your own therapist by learning how to better deal with the challenges that come up in your life. Services:- * Therapy Trauma * Therapy social anxiety * Therapy Depression * Therapy for anxiety * Therapist Nyc Judith zackson * Psychologist Nyc Judith zackson * Psychologist Greenwich * Therapist Greenwich

Theoretical models encompass a wide range of assumptions about domestic public debt. The overwhelming majority of models simply assume that debt is always honored. These include models in which deficit policy is irrelevant due to Ricardian equivalence.7 (Ricardian equivalence is basically the proposition that when a government cuts taxes by issuing debt, the public does not spend any of its higher after-tax income because it realizes it will need to save to pay taxes later.) Models in which debt is always honored include those in which domestic public debt is a key input in price level determination through the government’s budget constraint and models in which generations overlap

It is critical to recognize that we live in an increasingly complex world - biologically, socially, politically, technologically, you name it - that holds many inherent contradictions. In the middle of this complex world are we humans, who have a natural tendency to seek coherence in what we see, feel, think, and do. When we experience conflict, this tendency intensifies. Conflict is essentially a contradiction, an incompatibility, oppositely directed forces, and a difference that triggers tension. When we encounter conflict, within the field of forces that constitute it, the natural human tendency is to reduce that tension by seeking coherence through simplification. Research shows that this tendency toward simplification becomes even more intensified when we are under stress, threat, time constraints, fatigue, and various other conditions all absolutely typical of conflict. So what is the big idea? It is NOT that coherence is bad and complexity is good. Coherence seeking is simply a necessary and functional process that helps us interpret and respond to our world efficiently and (hopefully) effectively. And complexity in extremes is a nightmare - think of Mogadishu, Somalia, in the 1990s or the financial crisis of 2009 or Times Square during rush hour on a Friday afternoon. On the other hand, too much coherence can be just as pathological: for example, the collapse of the nuances and contradictions inherent in any conflict situation into simple 'us versus them' terms, or a deep commitment to a rigid understanding of conflicts based on past sentiments and obsolete information. Either extreme - overwhelming complexity or oversimplified coherence - is problematic. But in difficult, long-term conflicts, the tide pulls fiercely toward simplification of complex realities. This is what we must content with.

In this sense, therefore, inasmuch as we have access to neither the beautiful nor the ugly, and are incapable of judging, we are condemned to indifference. Beyond this indifference, however, another kind of fascination emerges, a fascination which replaces aesthetic pleasure. For, once liberated from their respective constraints, the beautiful and the ugly, in a sense, multiply: they become more beautiful than beautiful, more ugly than ugly. Thus painting currently cultivates, if not ugliness exactly - which remains an aesthetic value - then the uglier-than-ugly (the 'bad', the 'worse', kitsch), an ugliness raised to the second power because it is liberated from any relationship with its opposite. Once freed from the 'true' Mondrian, we are at liberty to 'out-Mondrian Mondrian'; freed from the true naifs, we can paint in a way that is 'more naif than naif', and so on. And once freed from reality, we can produce the 'realer than real' - hyperrealism. It was in fact with hyperrealism and pop art that everything began, that everyday life was raised to the ironic power of photographic realism. Today this escalation has caught up every form of art, every style; and all, without discrimination, have entered the transaesthetic world of simulation. There is a parallel to this escalation in the art market itself. Here too, because an end has been put to any deference to the law of value, to the logic of commodities, everything has become 'more expensive than expensive' - expensive, as it were, squared. Prices are exorbitant - the bidding has gone through the roof. Just as the abandonment of all aesthetic ground rules provokes a kind of brush fire of aesthetic values, so the loss of all reference to the laws of exchange means that the market hurtles into unrestrained speculation. The frenzy, the folly, the sheer excess are the same. The promotional ignition of art is directly linked to the impossibility of all aesthetic evaluation. In the absence of value judgements, value goes up in flames. And it goes up in a sort of ecstasy. There are two art markets today. One is still regulated by a hierarchy of values, even if these are already of a speculative kind. The other resembles nothing so much as floating and uncontrollable capital in the financial market: it is pure speculation, movement for movement's sake, with no apparent purpose other than to defy the law of value. This second art market has much in common with poker or potlatch - it is a kind of space opera in the hyperspace of value. Should we be scandalized? No. There is nothing immoral here. Just as present-day art is beyond beautiful and ugly, the market, for its part, is beyond good and evil.

Many models are constructed to account for regularly observed phenomena. By design, their direct implications are consistent with reality. But others are built up from first principles, using the profession’s preferred building blocks. They may be mathematically elegant and match up well with the prevailing modeling conventions of the day. However, this does not make them necessarily more useful, especially when their conclusions have a tenuous relationship with reality. Macroeconomists have been particularly prone to this problem. In recent decades they have put considerable effort into developing macro models that require sophisticated mathematical tools, populated by fully rational, infinitely lived individuals solving complicated dynamic optimization problems under uncertainty. These are models that are “microfounded,” in the profession’s parlance: The macro-level implications are derived from the behavior of individuals, rather than simply postulated. This is a good thing, in principle. For example, aggregate saving behavior derives from the optimization problem in which a representative consumer maximizes his consumption while adhering to a lifetime (intertemporal) budget constraint.† Keynesian models, by contrast, take a shortcut, assuming a fixed relationship between saving and national income. However, these models shed limited light on the classical questions of macroeconomics: Why are there economic booms and recessions? What generates unemployment? What roles can fiscal and monetary policy play in stabilizing the economy? In trying to render their models tractable, economists neglected many important aspects of the real world. In particular, they assumed away imperfections and frictions in markets for labor, capital, and goods. The ups and downs of the economy were ascribed to exogenous and vague “shocks” to technology and consumer preferences. The unemployed weren’t looking for jobs they couldn’t find; they represented a worker’s optimal trade-off between leisure and labor. Perhaps unsurprisingly, these models were poor forecasters of major macroeconomic variables such as inflation and growth.8 As long as the economy hummed along at a steady clip and unemployment was low, these shortcomings were not particularly evident. But their failures become more apparent and costly in the aftermath of the financial crisis of 2008–9. These newfangled models simply could not explain the magnitude and duration of the recession that followed. They needed, at the very least, to incorporate more realism about financial-market imperfections. Traditional Keynesian models, despite their lack of microfoundations, could explain how economies can get stuck with high unemployment and seemed more relevant than ever. Yet the advocates of the new models were reluctant to give up on them—not because these models did a better job of tracking reality, but because they were what models were supposed to look like. Their modeling strategy trumped the realism of conclusions. Economists’ attachment to particular modeling conventions—rational, forward-looking individuals, well-functioning markets, and so on—often leads them to overlook obvious conflicts with the world around them.

The success of these projects and others like them is thanks to developers. The millions of programmers across the world who use, develop, improve, document, and rely upon open source are the main reason it’s relevant, and the main reason it continues to grow. In return for this support, open source has set those developers free from traditional procurement. Forever. Financial constraints that once served as a barrier to entry in software not only throttled the rate and pace of innovation in the industry, they ensured that organizational developers were a subservient class at best, a cost center at worst. With the rise of open source, however, developers could for the first time assemble an infrastructure from the same pieces that industry titans like Google used to build their businesses  —  only at no cost, without seeking permission from anyone. For the first time, developers could route around traditional procurement with ease. With usage thus effectively decoupled from commercial licensing, patterns of technology adoption began to shift.

Soft ones are malleable or amenable, can be adjusted or bent even if only with substantial effort. Hard ones are fixed, impermeable, inviolable. Hard constraints capture the central tenet of a mental model; neglecting them means giving up on the very model itself. So, when the frame is financial accounting, not accepting the constraint of basic arithmetic—that two plus two equals four—is dumping a hard constraint. By discarding it, one essentially discards the frame itself.

The MMT claim that sovereign government is not financially constrained is often distorted into a claim that governments do or can ‘spend without limit’, which is not the case. There are self-imposed procedural constraints, explained in the following few paragraphs, and governments also face real resource constraints, an important point that MMT economists have continuously emphasized

The Kindle Press Release Kindle was the first product offered by the digital media group, and it, along with several AWS products, was among the first at Amazon to be created using the press release approach. Kindle was a breakthrough in multiple dimensions. It used an E Ink display. The customer could shop for, buy, and download books directly from the device—no need to connect to a PC or to Wi-Fi. Kindle offered more e-books than any other device or service available at the time and the price was lower. Today, that set of features sounds absolutely standard. In 2007, it was pioneering. But Kindle had not started out that way. In the early stages of its development—before we got started on the press release approach and when we were still using PowerPoint and Excel—we had not described a device that could do all these things from the customer perspective. We had focused on the technology challenges, business constraints, sales and financial projections, and marketing opportunities. We were working forward, trying to invent a product that would be good for Amazon, the company, not the customer. When we wrote a Kindle press release and started working backwards, everything changed. We focused instead on what would be great for customers. An excellent screen for a great reading experience. An ordering process that would make buying and downloading books easy. A huge selection of titles. Low prices. We would never have had the breakthroughs necessary to achieve that customer experience were it not for the press release process, which forced the team to invent multiple solutions to customer problems. (We tell the whole Kindle story in chapter seven.)

The usual place to stand is in the existing set of constraints, issues, and opportunities that confront the organization…. Using this approach, managers typically conduct a financial and organizational analysis, identify what opportunities and threats exist, what strengths and weaknesses the organization has, and then formulate a strategy that is intended to exploit the opportunities and minimize or eliminate the threats…. The boat is patched but it is still the same boat and most likely will only continue on the old course at about the same velocity or a little faster…. Our recommended approach is to stand in a future that is not directly derived from present conditions and circumstances…. Although the future is informed by the past, it is as “past-free” as possible…. When I say the future is “past-free,” I mean that the future should not be an extrapolation, extension, or modification of the past.

Enron. One: The firm endorsed Enron’s asset-light strategy. In a 1997 edition of the Quarterly, consultants wrote that “Enron was not distinctive at building and operating power stations, but it didn’t matter; these skills could be contracted out. Rather, it was good at negotiating contracts, financing, and government guarantee—precisely the skills that distinguished successful players.” Two: The firm endorsed Enron’s “loose-tight” culture. Or, more precisely, McKinsey endorsed Enron’s use of a term that came straight out of In Search of Excellence. In a 1998 Quarterly, the consultants peripherally praised Enron’s culture of “[allowing executives] to make decisions without seeking constant approval from above; a clear link between daily activities and business results (even if not a P&L); something new to work on as often as possible.” Three: The firm endorsed Enron’s use of off–balance-sheet financing. In that same 1997 Quarterly, the consultants wrote that “the deployment of off–balance-sheet funds using institutional investment money fostered [Enron’s] securitization skills and granted it access to capital at below the hurdle rates of major oil companies.” McKinsey heavyweight Lowell Bryan—godfather of the firm’s financial institutions practice—put it another way: “Securitization’s potential is great because it removes capital and balance sheets as constraints on growth.” Four: The firm endorsed Enron’s approach to “atomization.” In a 2001 Quarterly, the consultants wrote: “Enron has built a reputation as one of the world’s most innovative companies by attacking and atomizing traditional industry structures—first in natural gas and later in such diverse businesses as electric power, Internet bandwidth, and pulp and paper. In each case, Enron focused on the business sliver of intermediation while avoiding the incumbency problems created by a large asset base and vertical integration.

In countries where individuals contribute to the costs of medical care, access problems were more likely to result from financial constraints.

Despite all the challenges facing higher education in America, from mounting student debt to grade inflation and erratic standards, our system is rightly the world's envy, and not just because our most revered universities remain on the cutting edge of research and attract talent from around the globe. We also have a plenitude and variety of settings for learning that are unrivaled. In light of that, the process of applying to college should and could be about ecstatically rummaging through those possibilities and feeling energized, even elated, by them. But for too many students, it's not, and financial constraints aren't the only reason. Failures of boldness and imagination by both students and parents bear some blame. The information is all out there. You just have to look.

The 9/11 Commission warned that Al Qaeda "could... scheme to wield weapons of unprecedented destructive power in the largest cities of the United States." Future attacks could impose enormous costs on the entire economy. Having used up the surplus that the country enjoyed as part of the Cold War peace dividend, the U.S. government is in a weakened financial position to respond to another major terrorist attack, and its position will be damaged further by the large budget gaps and growing dependence on foreign capital projected for the future. As the historian Paul Kennedy wrote in his book The Rise and Fall of Great Powers, too many decisions made in Washington today "bring merely short-term advantage but long-term disadvantage." The absence of a sound, long-term financial strategy could bring about a deterioration that, in his words, "leads to the downward spiral of slower growth, heavier taxes, deepening domestic splits over spending priorities and a weakening capacity to bear the burdens of defense." Decades of success in mobilizing enormous sums of money to fight large wars and meet other government needs have led Americans to believe that ample funds will be readily available in the event of a future war, terrorist attack, or other emergency. But that can no longer be assumed. Budget constraints could limit the availability or raise the cost of resources to deal with new emergencies. If government debt continues to pile up, deficits rise to stratospheric levels, and heave dependence on foreign capital grows, borrowing the money needed will be very costly. [Alexander] Hamilton understood the risks of such a precarious situation. After suffering through financial shortages, lack of adequate food and weapons, desertions, and collapsing morale during the Revolution, he considered the risk that the government would have difficulty in assembling funds to defend itself all too real. If America remains on its dangerous financial course, Hamilton's gift to the nation - the blessing of sound finances - will be squandered. The U.S. government had no higher obligation that to protect the security of its citizens. Doing so becomes increasingly difficult if its finances are unsound. While the nature of this new brand of warfare, the war on terrorism, remains uncharted, there is much to be gained if our leaders look to the experiences of the past for guidance in responding to the challenges of the future. The willingness of the American people and their leaders to ensure that the nation's finances remain sound in the face of these new challenges - sacrificing parochial interests for the common good - is the price we must pay to preserve the nation's security and thus the liberties that Hamilton and his generation bequeathed us.

As the producer states gradually forced the major oil companies to share with them more of the profits from oil, increasing quantities of sterling and dollars flowed to the Middle East. To maintain the balance of payments and the viability of the international financial system, Britain and the United States needed a mechanism for these currency flows to be returned. [...] The purchase of most goods, whether consumable materials like food and clothing or more durable items such as cars or industrial machinery, sooner or later reaches a limit where, in practical terms, no more of the commodity can be used and further acquisition is impossible to justify. Given the enormous size of oil revenues, and the relatively small populations and widespread poverty of many of the countries beginning to accumulate them, ordinary goods could not be purchased at a rate that would go far to balance the flow of dollars (and many could be bought from third countries, like Germany and Japan – purchases that would not improve the dollar problem). Weapons, on the other hand, could be purchased to be stored up rather than used, and came with their own forms of justification. Under the appropriate doctrines of security, ever-larger acquisitions could be rationalised on the grounds that they would make the need to use them less likely. Certain weapons, such as US fighter aircraft, were becoming so technically complex by the 1960s that a single item might cost over $10 million, offering a particularly compact vehicle for recycling dollars. Arms, therefore, could be purchased in quantities unlimited by any practical need or capacity to consume. As petrodollars flowed increasingly to the Middle East, the sale of expensive weaponry provided a unique apparatus for recycling those dollars – one that could expand without any normal commercial constraint.

1. A Rich Life means you can spend extravagantly on the things you love as long as you cut costs mercilessly on the things you don’t. 2. Focus on the Big Wins—the five to ten things that get you disproportionate results, including automating your savings and investing, finding a job you love, and negotiating your salary. Get the Big Wins right and you can order as many lattes as you want. 3. Investing should be very boring—and very profitable—over the long term. I get more excited eating tacos than checking my investment returns. 4. There’s a limit to how much you can cut, but no limit to how much you can earn. I have readers who earn $50,000/year and ones who earn $750,000/year. They both buy the same loaves of bread. Controlling spending is important, but your earnings become super-linear. 5. Your friends and family will have lots of “tips” once you begin your financial journey. Listen politely, then stick to the program. 6. Build a collection of “spending frameworks” to use when deciding on buying something. Most people default to restrictive rules (“I need to cut back on eating out . . .”), but you can flip it and decide what you’ll always spend on, like my book-buying rule: If you’re thinking about buying a book, just buy it. Don’t waste even five seconds debating it. Applying even one new idea from a book is worth it. (Like this one.) 7. Beware of the endless search for “advanced” tips. So many people seek out high-level answers to avoid the real, hard work of improving step by step. It’s easier to dream about winning the Boston Marathon than to go out for a ten-minute jog every morning. Sometimes the most advanced thing you can do is the basics, consistently. 8. You’re in control. This isn’t a Disney movie and nobody’s coming to rescue you. Fortunately, you can take control of your finances and build your Rich Life. 9. Part of creating your Rich Life is the willingness to be unapologetically different. Once money isn’t a primary constraint, you’ll have the freedom to design your own Rich Life, which will almost certainly be different from the average person’s. Embrace it. This is the fun part! 10. Live life outside the spreadsheet. Once you automate your money using the system in this book, you’ll see that the most important part of a Rich Life is outside the spreadsheet—it involves relationships, new experiences, and giving back. You earned it.

The Most Dangerous Enemy We Face Is Neither Poverty Nor Financial Constraints As We Call It But IGNORANCE!

According to Terry, when it comes to decision making, we ought to view our emotions as occupying one seat on our personal board of directors. Other spots on the board might be held by ethical considerations, our personal ambitions, our obligations to others, financial or logistical constraints, and so on. Ideally, these board members will work together to help us make careful, informed choices about how we conduct our lives. In this metaphor, emotions have a vote, though it's rarely a deciding one. And they definitely don't chair the board.

when it comes to decision making, we ought to view our emotions as occupying one seat on our personal board of directors. Other spots on the board might be held by ethical considerations, our personal ambitions, our obligations to others, financial or logistical constraints, and so on. Ideally, these board members will work together to help us make careful, informed choices about how we conduct our lives. In this metaphor, emotions have a vote, though it’s rarely a deciding one. And they definitely don’t chair the board.

Significantly expanding our collective investment in fighting poverty will cost something. How much it will cost is not a trivial affair. But I would have more patience for concerns about the cost of ending family homelessness if we weren’t spending billions of dollars each year on homeowner tax subsidies, just as I could better stomach concerns over the purported financial burden of establishing a living wage if our largest corporations weren’t pocketing billions each year through tax avoidance. The scarcity mindset shrinks and contorts poverty abolitionism, forcing it to operate within fictitious fiscal constraints.

But Kindle had not started out that way. In the early stages of its development—before we got started on the press release approach and when we were still using PowerPoint and Excel—we had not described a device that could do all these things from the customer perspective. We had focused on the technology challenges, business constraints, sales and financial projections, and marketing opportunities. We were working forward, trying to invent a product that would be good for Amazon, the company, not the customer. When we wrote a Kindle press release and started working backwards, everything changed. We focused instead on what would be great for customers. An excellent screen for a great reading experience. An ordering process that would make buying and downloading books easy. A huge selection of titles. Low prices. We would never have had the breakthroughs necessary to achieve that customer experience were it not for the press release process, which forced the team to invent multiple solutions to customer problems.

By the time Star died, the Mozarts had been forced by financial constraints to leave their beloved Domgasse rooms and move to smaller apartments outside the town center. Their new lodging was on Landstrasse, not far from St. Marx Cemetery, where Mozart would be buried. While planning my journey to Vienna I dreamed of a little pilgrimage I would make, walking somber and peaceful and wistful, from the graveyard to the site of these lodgings. Here I would sneak about the grounds, or if the current owner was home and seemed kind, I would ask whether I might walk in the garden. I was sure that after all my thinking and imagining about Star’s funeral, I would somehow intuit which tiny patch of garden was the likely gravesite of Mozart’s starling.

Veblen’s overall evolutionary framework was one that stressed the cumulative and path-dependent nature of institutional change, the role of new technology in bringing about institutional change (by changing the underlying, habitual ways of living and thinking), and the predominantly “pecuniary” character of the existing set of American institutions (that is, expressing the “business” values of pecuniary success and individual gain by money making, to the virtual exclusion of all other values). For Veblen, as for other institutionalists, institutions were more than merely constraints on individual action, but embodied generally accepted ways of thinking and behaving, and worked to mold the preferences and values of individuals brought up under their sway. Within this framework, Veblen developed his analyses of “conspicuous consumption” and consumption norms; the effect of corporate finance on the ownership and control of firms; the role of intangible property and the ability to capitalize intangibles; business and financial strategies for profit making, salesmanship and advertising; the emergence of a specialist managerial class; business fluctuations; and many other topics (Veblen 1899; 1904).

With investment levels so high and already being misallocated on a massive scale, the central government might have preferred higher consumption. But China’s myriad institutional constraints, which we will discuss in more detail later in the chapter, meant that consumption could not have grown quickly enough except through a surge in household borrowing. Unsurprisingly, given what the Chinese leadership had just seen occur in the United States, there was no interest in a similar experience. That is why the government chose to focus on boosting investment. The most straightforward response to the global financial crisis was a massive boost in infrastructure and housing investment to offset the decline in foreign spending. This simultaneously magnified China’s long-standing imbalances while shifting them inward. China was able to sustain growth even as its current account surplus fell at the cost of a nearly unprecedented surge in Chinese indebtedness. Unproductive investments have failed to pay for themselves.2 The danger is that the Chinese government, having reached the limits of its ability to generate rapid growth through debt-funded investment, will once again attempt to shift the costs of its economic model to the rest of the world through trade surpluses and financial outflows. The only way to prevent this is to rebalance the Chinese economy so that household consumption is prioritized over investment. That means reversing all of the existing mechanisms transferring purchasing power from Chinese workers and retirees to companies and the government—reforms at least as dramatic and politically difficult as the reforms implemented by Deng Xiaoping beginning in 1978. Unfortunately for China, the choices of the past few decades have become politically entrenched. It is easy for an antidemocratic authoritarian regime to suppress workers’ rights and shift spending power from consumers to large companies. Stalin did it, after all. The problem is that years of state-sponsored income concentration creates a potent group of “vested interests”—Premier Li Keqiang’s preferred term—that will fiercely resist any reforms that would shift spending power back to consumers. Any successful adjustment

For higher-class parents, children are 'projects'. They have tightly scheduled lives & coordinated activities; high-income parents spend significant time & energy thinking about how to fulfill their kids' 'potentials.' For the working class & poor, Lareau argues, parenting is more about 'the accomplishment of natural growth'. Top priorities in these families are safety & health. [...] This is partly because lower-income parents experience hardships in their adult lives & want to shield their children from having to deal with tight schedules & overwork in their childhoods. In any case, financial constraints prevent them from approaching parenting as projects.

Naturally, payment networks want to prevent fraudulent transactions, banks want to avoid bad loans, airlines want to avoid hijackings, and companies want to avoid hiring ineffective or untrustworthy people. From their point of view, the cost of a missed business opportunity is low, but the cost of a bad loan or a problematic employee is much higher, so it is natural for organizations to want to be cautious. If in doubt, they are better off saying no. However, as algorithmic decision-making becomes more widespread, someone who has (accurately or falsely) been labeled as risky by some algorithm may suffer a large number of those “no” decisions. Systematically being excluded from jobs, air travel, insurance coverage, property rental, financial services, and other key aspects of society is such a large constraint of the individual’s freedom that it has been called “algorithmic prison” [82]. In countries that respect human rights, the criminal justice system presumes innocence until proven guilty; on the other hand, automated systems can systematically and arbitrarily exclude a person from participating in society without any proof of guilt, and with little chance of appeal.

There must be financial constraints, but not spiritual ones.

Freedom should lead us to a new journey that we could not take before due to financial constraints and other life responsibilities.

Freedom should not be confused with the end of the journey. It should lead us to a new journey that we could not take before due to financial constraints and other life responsibilities.

I have come to realize that a person’s relationship with their career is no different than their relationship with their spouse. You wake up together. You go to sleep together. You live together. It is possible to stay in a relationship that is based on convenience, financial security, or necessity, as opposed to genuine passion or love. But chances are that if the relationship is not built on genuine passion and love, it will have some difficulty at some point in time. Chances are it will fall apart at some point in time. And even if you manage to make it work, it just doesn’t feel good every day to wake up and go to sleep with someone or something you are simply not passionate about. The other thing I have come to realize is perhaps even more important. They say that people are afraid to fail. The proverbial “they”. I don’t know who “they” are, but they say it… People are afraid to fail. Or so it goes. But I disagree. People may think they are afraid to fail. But they are not afraid of failure per se. They are actually only afraid that other people will see that they have failed. They are afraid of what other will think of their failure. People will take incredible chances when there is no risk of others witnessing their failure. It’s why people dance and sing in the shower. It is the fear of what others will think of their failure that leads to constraints. Despair. Even suicide. In my career, I have seen multiple friends and clients give up, I am certain, out of a perceived shame of what they must have thought others were thinking of their failures... But it is an objective, outright, and utterly useless hindrance. A hindrance to success. There is nothing constructive about it. It is a reflex to overcome.... Flukes aside, success requires total dedication.

For example, they have accepted without question the so-called household budget analogy, which suggests that currency-issuing governments, like households, face financial constraints and thus must limit their spending or face sanctions from private bond markets.

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