Financially Independent Quotes

America is the greatest engine of innovation that has ever existed, and it can't be duplicated anytime soon, because it is the product of a multitude of factors: extreme freedom of thought, an emphasis on independent thinking, a steady immigration of new minds, a risk-taking culture with no stigma attached to trying and failing, a noncorrupt bureaucracy, and financial markets and a venture capital system that are unrivaled at taking new ideas and turning them into global products.

There are many things money can buy, but the most valuable of all is freedom. Freedom to do what you want and to work for whom you respect.

See you just don’t understand women the way I do J.D. They want it all: a career apple martinis financial independence great shoes but at the same time—and this they’ll never admit—they are drawn to patriarchal men who are dominant and controlling. That’s the essence of the Darcy complex. He may be an asshole but he’s an asshole that gets the girl in the end.

Financially independent people are happier than those in their same income/age cohort who are not financially secure.

Be financially independent, be intellectually attractive, be spiritually excellent, be emotionally exclusive.

You own the things you own and they in turn own you.

It’s not hard. Stop thinking about what your money can buy. Start thinking about what your money can earn. And then think about what the money it earns can earn.

Book your life choices in advance the same way you would book flights, car rentals, hotels, and excursions. Figure out early on in your career whether you intend to be financially independent or marry a rich man, join the ranks of the professional elite or be the stay-at- home type, postpone having children or find part-time employment. Then fasten your seat belt and sit tight as you watch your trajectory veer off course.

Grit, persistence, adaptability, financial literacy, interview skills, human relationships, conversation, communication, managing technology, navigating conflicts, preparing healthy food, physical fitness, resilience, self-regulation, time management, basic psychology and mental health practices, arts, and music—all of these would help students and also make school seem much more relevant. Our fixation on college readiness leads our high school curricula toward purely academic subjects and away from life skills. The purpose of education should be to enable a citizen to live a good, positive, socially productive life independent of work.

How can well-educated, high-income people be so naive about money? Because being a well-educated, high-income earner does not automatically translate into financial independence. It takes planning and sacrificing.

For instance, why do we still work eight hours a day, 50 weeks a year, when we're twice as productive as we were 50 years ago?

Look again at those people around you. For most, debt is simply a part of life. But it doesn’t have to be for you. You weren’t born to be a slave.

I had wasted my life in the pursuit of a career, romance, financial independence and the best heels in town when it seems I could have done more for my self esteem with a .38 calibre handgun

Woman must be financially independent to be free in love

A parable: The Monk and the Minister Two close boyhood friends grow up and go their separate ways. One becomes a humble monk, the other a rich and powerful minister to the king. Years later they meet. As they catch up, the portly minister (in his fine robes) takes pity on the thin and shabby monk. Seeking to help, he says: “You know, if you could learn to cater to the king, you wouldn’t have to live on rice and beans.” To which the monk replies: “If you could learn to live on rice and beans, you wouldn’t have to cater to the king.” Most all of us fall somewhere between the two. As for me, it is better to be closer to the monk.

I may not have owned a Mercedes, but I owned my freedom. Freedom to choose when to leave a job and freedom from worry when the choice wasn’t mine.

I learned what education was expected to do for an individual. Before going there I had a good deal of the then rather prevalent idea among our people that to secure an education meant to have a good, easy time, free from all necessity for manual labor. At Hampton I not only learned that it was not a disgrace to labor, but learned to love labor, not alone for its financial value, but for labor’s own sake and for the independence and self-reliance which the ability to do something which the world wants done brings. At that institution I got my first taste of what it meant to live a life of unselfishness, my first knowledge of the fact that the happiest individuals are those who do the most to make others useful and happy.

Here’s the simple formula: Spend less than you earn—invest the surplus—avoid debt

To make a real independent film where the filmmaker is in charge creatively, one must sacrifice personal, financial, and physical well-being.

Stop thinking about what your money can buy. Start thinking about what your money can earn.

You need to be intellectually attractive, financially independent and emotionally available before getting married.

Joy is not a “done” to-do list; rather, it’s the ability to appreciate and savor the simplicity of each day’s routine. To not feel that you need a vacation from your life. To know that you’re living as close to your ideal as possible, every single day.

We live in a patriarchal world—a system that aids and abets inequality. In this system that has gatekept financial information and tools from marginalized groups, it is an act of protest to be financially independent. It is an act of protest to overcome negative beliefs about money in order to save, pay off debt, invest, and find fulfilling work. It is an act of protest to prioritize rest instead of hustle, abundance rather than scarcity, and generosity in place of stockpiling. In a world that actively works to keep us playing small, it is an act of protest to be stable, content, and powerful.

Fantasizing about an impossibly idealized kind of love they’d seen an actor perform on-screen. Yet, all their real-world efforts were extremely pragmatic, often sacrificing the love they fantasized about as a price for earning status, security, and financial freedom.

Avoid fiscally irresponsible people and certainly don't marry one.

If you have debt, you're not a free person. You're explicitly owned by your debt and implicitly owned by the creditor.

But I'd missed the truism that every sale in the world won't save you as much money as simply not buying anything.

Charlie Munger once said “I did not intend to get rich. I just wanted to get independent.” We can leave aside rich, but independence has always been my personal financial goal.

Simple is good. Simple is easier. Simple is more profitable.

Teach your children the power of independence and responsibility; it’s a priceless legacy of wealth.

if you’re not financially independent, you will spend an increasing amount of your time and energy worrying about your socioeconomic future.

American capitalism replaced some of the old colonial capitalisms in the countries that began their independent life. But it knows that this is transitory and that there is no real security for its financial speculation in these new territories. The octopus cannot there apply its suckers firmly. The claw of the imperial eagle is trimmed. Colonialism is dead or is dying a natural death in all these places.

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.

But the simple truth is this: the more complex an investment is, the less likely it is to be profitable. Index funds outperform actively managed funds in large part simply because actively managed funds require expensive active managers. Not only are they prone to making investing mistakes, their fees are a continual performance drag on the portfolio.

To paraphrase Einstein, you can't solve your problems with the same mindset that created them.

What will your legacy be--what you owned or who you were?

Epictetus, a Greek philosopher, once wrote, “Circumstances do not make the man. They merely reveal him to himself.

Perception trumps reality. People react to what they think is occurring, which isn’t necessarily the same thing as what’s truly happening.

Many have jeopardized their own pursuit of wealth or financial independence for the allusion of looking wealthy instead of being wealthy.

We have left behind the rosy agrarian rhetoric and slaveholding reality of Jeffersonian democracy and reside in the bustling world of trade, industry, stock markets, and banks that Hamilton envisioned. (Hamilton’s staunch abolitionism formed an integral feature of this economic vision.) He has also emerged as the uncontested visionary in anticipating the shape and powers of the federal government. At a time when Jefferson and Madison celebrated legislative power as the purest expression of the popular will, Hamilton argued for a dynamic executive branch and an independent judiciary, along with a professional military, a central bank, and an advanced financial system. Today, we are indisputably the heirs to Hamilton’s America, and to repudiate his legacy is, in many ways, to repudiate the modern world.

Even if you are financially independent and never have to concern yourself with money, it is still best to wait to shower your woman with jewelry or pay her bills until after you have had sex with her so you have formed a sexual relationship already.

Being satisfied with the little we have; academically, spiritually, financially, ecumenically or otherwise will prevent a lot of problems from coming to us, and our dependence in our abilities and talents will go as far as bringing us satisfaction in life.

Law firms can create environments for abusive relationships. This is especially true if an attorney has no self-direction, has no independent means of financial support, and has massive student loan indebtedness. You've basically made yourself an indentured servant.

At Hampton I not only learned that it was not a disgrace to labour, but learned to love labour, not alone for its financial value, but for labour’s own sake and for the independence and self-reliance which the ability to do something which the world wants done brings. At that institution I got my first taste of what it meant to live a life of unselfishness, my first knowledge of the fact that the happiest individuals are those who do the most to make others useful and happy.

Support POC-owned business. Economic exploitation is one of the cornerstones of racial oppression. You can help preserve financial independence for people of color by working with and spending your money with POC businesses.

A wealthy person who never had to rely on help and resources from his community is leading a privileged life that falls way outside more than a million years of human experience. Financial independence can lead to isolation, and isolation can put people at a greatly increased risk of depression and suicide. This might be a fair trade for a generally wealthier society- but a trade it is.

There is a fundamental difference between the financial enterprise and political machinations of an organized religion versus a mass of independent unaffiliated believers, philosophers, and mystics who do not support any organized religion.

Because of the way society sets them up, women never again experience the need to develop independence - until some crisis in later life explodes their complacency, showing them how sadly helpless and undeveloped they've allowed themselves to be.

in the future, one of the milestones by which you measure your financial success will be not just now many zeroes you can add to your net worth, but whether you can structure your affairs in a way that enables you to realize full individual autonomy and independence.

The question you need to answer is what you want to do with your life given that you don't have the time to do everything? Do you want to spend most of your life paying off the interest of a 30-year mortgage and working so you can fill increasingly bigger houses with increasingly more stuff while being stuck in your daily commute in increasingly nicer cars? Or are you prepared to give up the stuff so that you can do whatever you want, whenever, and wherever, within reason? What will your legacy be--what you owned or who you were?

Another reason I’m intrigued with the hanged of Salem, especially the women, is that a number of them aroused suspicion in the first place because they were financially independent, or sharp-tongued, or kept to themselves. In other words, they were killed off for living the same sort of life I live right now but with longer skirts and fewer cable channels.

Try saving and investing 50% of your income. With no debt, this is perfectly doable.

Imagination is more important than facts. —ALBERT EINSTEIN

Wisdom comes from experience. Experience is often a result of lack of wisdom.” —Terry Pratchett

Waste no time. Debt is a crisis that needs immediate attention. If you are currently in debt, paying it off is your top priority. Nothing else is more important.

As individuals we only have one obligation to society: To ensure we, and our children, are not a burden to others.

Money can buy many things, but nothing more valuable than your freedom.

Perfectionism can also emerge from the need to be independent very early in our lives because our parents may have struggled financially, physically, or emotionally.

Inflation certainly played a role. Using the CPI (consumer price index), what cost $1 in 1970 took $6.19 to buy in 2014. A six-fold increase.

The question you need to answer is what you want to do with your life given that you don't have the time to do everything?

Women are told we’re risk averse, but we’re not. We’re just risk aware.

When you can live on 4% of your investments per year, you are financially independent.

The world will become a much better place when more women prosper financially and are financially independent, including you!

No man can afford to be completely honest until he is financially independent.

Bonds are in our portfolio to provide a deflation hedge. Deflation is one of the two big macro risks to your money. Inflation is the other and we hedge against that with our stocks.

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!

By building wealth to the point where you can be financially independent, you create a situation where you can choose what you want to do. That’s the most luxurious thing that money can buy.

It’s a big beautiful world out there. Money is a small part of it. But F-You Money buys you the freedom, resources and time to explore it on your own terms. Retired or not. Enjoy your journey.

Everybody makes money when the market is rising. But what determines whether it will make you wealthy or leave you bleeding on the side of the road is what you do during the times it is collapsing.

If you intend to achieve financial freedom, you are going to have to think differently. It starts by recognizing that debt should not be considered normal. It should be recognized as the vicious, pernicious destroyer of wealth-building potential it truly is. It has no place in your financial life.

The free enterprise concept inherent in the economic model of capitalism should mean common people, or lower and middle class wage-earners, have greater potential to rise up and gain financial independence. In reality, however, free enterprise all too often leads to an almost total lack of government regulation that in turn allows the global elite to run amuck in Gordon Gecko-style financial coups.

Here are a few key guidelines to consider: Spend less than you earn—invest the surplus—avoid debt. Do simply this and you’ll wind up rich. Not just in money. Carrying debt is as appealing as being covered with leeches and has much the same effect. Take out your sharpest knife and start scraping the little bloodsuckers off. If your lifestyle matches—or god forbid exceeds—your income, you are no more than a gilded slave. Avoid fiscally irresponsible people. Never marry one or otherwise give him or her access to your money. Avoid investment advisors. Too many have only their own interests at heart. By the time you know enough to pick a good one, you know enough to handle your finances yourself. It’s your money and no one will care for it better than you. You own the things you own and they in turn own you. Money can buy many things, but nothing more valuable than your freedom. Life choices are not always about the money, but you should always be clear about the financial impact of the choices you make.

Walkers easily travel three miles by foot. Drivers get in their cars to get from one side of the parking lot to the other. Neither quite understand why the other is so crazy, when it's so easy to do things their way.

Health is thus a condition of well-being and an ability to appreciate life. It's not necessarily optimizing or conforming to a set of measurable quantities like life expectancy or blood pressure, nor is it removing all symptoms using drugs. Health is the presence of something positive, rather than the absence of something negative.

The reign of Mazarin is over, but that of the financiers is begun. They have the money; your majesty will not often see much of it. To live under the paw of these hungry wolves is hard for a man who reckoned upon independence.

Residing in the house are Peter and Susan Pevensie, husband and wife, who are financially independent and who say they retired early to write novels. Their only child, Edward, is homeschooled, and they have a dog named Lucy. More

Three things saved us: Our unwavering 50% savings rate. Avoiding debt. We’ve never even had a car payment. Finally embracing the indexing lessons Jack Bogle—the founder of The Vanguard Group and the inventor of index funds—perfected 40 years ago.

Once 4% of your assets can cover your expenses, consider yourself financially independent. Put another way, financial independence = 25x your annual expenses. That is, if you are living on $20,000 you have reached financial independence with $500,000 invested.

The Three Considerations You’ll want to consider: In what stage of your investing life are you? The Wealth Accumulation Stage or the Wealth Preservation Stage? Or perhaps a blend of the two? What level of risk do you find acceptable? Is your investment horizon long-term or short-term?

following the playbook of strongmen such as Viktor Orban, Vladimir Putin, and Recep Tayyip Erdogan, who silenced the press not by imposing censorship but by imposing financial pressure on independent news organizations to either force them out of business or into the hands of friendly owners.47

The whole edifice of modern financial theory is, as described earlier, founded on a few simplifying assumptions. It presumes that homo economicus is rational and self-interested. Wrong, suggests the experience of the irrational, mob-psychology bubble and burst of the 1990's. A further assumption: that price variations follow the bell curve. Wrong, suggests the by-now widely accepted research of me and many others since the 1960's. And now the next assumption wobble: that price variations are what statisticians call i.i.d., independently and identically distributed-like the coin game with each toss unaffected by the last. Evidence for short-term dependence has already been mounting. And now comes the increasingly accepted but still confusing evidence of long-term dependence.

Governments love a little inflation. They can add money to the system, keep the economy humming and not have to raise taxes or cut spending to do it. In fact, it is sometimes called “the hidden tax” because it erodes the buying power of our currency. It also allows debtors, like the government, to pay back their creditors with “cheaper dollars.

So we pour in data from the past to fuel the decision-making mechanisms created by our models, be they linear or nonlinear. But therein lies the logician's trap: past data from real life constitute a sequence of events rather than a set of independent observations, which is what the laws of probability demand.[...]Even though many economic and financial variables fall into distributions that approximate a bell curve, the picture is never perfect.[...]It is in those outliers and imperfections that the wildness lurks.

Just as in other aspects of your life, setting financial goals is a tried-and-true way to reach those goals.

Before you decide to use kicking techniques on the street ask yourself this question: ‘Am I Bruce Lee?’ If the answer is ‘no’ keep your feet on the ground.

Watson replied with these wonderful words: “If you want to be successful faster, you must double your rate of failure. Success lies on the far side of failure.

Whenever you are faced with a risky situation, ask yourself this question, What is the worst possible thing that could happen if I go ahead?

Ralph Waldo Emerson wrote, “Make a habit throughout your life of doing the things you fear. If you do the thing you fear, the death of fear is certain.

Everything you want is on the other side of fear.” — Jack Canfield

In other words, money is paid and gas is burned to make one's possessions as comfortable temperature-wise as the inhabitants

Complexity, therefore, results in flexibility. Increasing complexity always increases capability and adaptability.

The real problem is not how much we earn; it's how much we waste, perhaps to demonstrate our supposed wealth, when we spend it.

Doing something that is considered very difficult at least once in your life is highly recommended.

DEAR LADIES: Go to school, work hard, become something in life ,Marriage isn't a Guarantee & REALIZE that a Man isn't a Financial Breakthrough

Don't buy on credit. This habit, more than any other, will eventually guarantee your financial independence, no matter what your income.

Over time, stress hormones from multitasking can damage memory centers in the brain. Focus on one task at a time for better efficiency and memory.

Wisdom comes from experience. Experience is often a result of lack of wisdom. A

Complete financial independence for women - my dream.

Simplicity is the keynote of all true elegance.” —Coco Chanel

Financial independence is not about making more money, but using your ability and position to enhance the lives and success of others.

Think a little differently from the herd and see things they can’t or won’t.

When you buy a bigger house, another luxury car, or a fancy boat, you are showing people that you used to have money.

You should not invest a single cent without completely understanding the total initial cost, ongoing costs, and expected profits.

THE FIRST SECRET of self-made millionaires is simple: Dream Big Dreams!

if no changes were necessary for you to achieve financial independence, you'd already be there.

In the simplest terms: When you buy stock you are buying a part ownership in a company. When you buy bonds you are loaning money to a company or government agency.

When you earn your freedom, make decisions wisely in order to pursue economic and social success in the long run.

The lines between need and want are continually and intentionally blurred.

Ironically, a crash at the beginning of your investing life is a gift. In fact, any pullback in stock prices is a gift while you are in the process of accumulating your wealth.

Retirement Systemisation: the whole point of being financially free is that you don’t actually need to do any work

But Dad,” my little girl once said to me, “I know money is important. I just don’t want to spend my life thinking about it.

They want you confused, compliant, and consuming. But wealth is built by people who think, plan, and act with conviction.

Sometimes the only way to win is to step outside the system—and build your own.

Dreams are built on discipline, not dopamine.

You cannot bring about prosperity by discouraging thrift. You cannot strengthen the weak by weakening the strong. You cannot help the wage earner by pulling down the wage payer. You cannot further the brotherhood of man by encouraging class hatred. You cannot help the poor by destroying the rich. You cannot keep out of trouble by spending more than you earn. You cannot build character and courage by taking away man’s initiative and independence. You cannot help men permanently by doing for them what they could and should do for themselves.

Real estate is attractive because it leads people closer to financial independence—the ability to live life on one’s own terms, rather than simply earning enough to pay bills and survive.

Personal finance is a means to an end—living a rich and fulfilling life. It is not hard. It is not complicated. I write this to share simple truths I've learned from some very wise people.

Will you do whatever is necessary to remain attentive to creating a different money mindset, or will you be content to let time get away from you, along with your dreams of financial independence?

There are pervasive and powerful marketing forces at work seeking to obscure the idea that such a choice exists. We are relentlessly bombarded with messages telling us that we absolutely need the latest trinket and that we simply must have the most fashionable of currently trending trash. We’re told that if you don’t have the money, no problem. That’s what credit cards and payday loans are for.

Et que faudrait-il faire ? Chercher un protecteur puissant, prendre un patron, Et comme un lierre obscur qui circonvient un tronc Et s'en fait un tuteur en lui léchant l'écorce, Grimper par ruse au lieu de s'élever par force ? Non, merci ! Dédier, comme tous ils le font, Des vers aux financiers ? se changer en bouffon Dans l'espoir vil de voir, aux lèvres d'un ministre, Naître un sourire, enfin, qui ne soit pas sinistre ? Non, merci ! Déjeuner, chaque jour, d'un crapaud ? Avoir un ventre usé par la marche ? une peau Qui plus vite, à l'endroit des genoux, devient sale ? Exécuter des tours de souplesse dorsale ?... Non, merci ! D'une main flatter la chèvre au cou Cependant que, de l'autre, on arrose le chou, Et donneur de séné par désir de rhubarbe, Avoir son encensoir, toujours, dans quelque barbe ? Non, merci ! Se pousser de giron en giron, Devenir un petit grand homme dans un rond, Et naviguer, avec des madrigaux pour rames, Et dans ses voiles des soupirs de vieilles dames ? Non, merci ! Chez le bon éditeur de Sercy Faire éditer ses vers en payant ? Non, merci ! S'aller faire nommer pape par les conciles Que dans des cabarets tiennent des imbéciles ? Non, merci ! Travailler à se construire un nom Sur un sonnet, au lieu d'en faire d'autres ? Non, Merci ! Ne découvrir du talent qu'aux mazettes ? Être terrorisé par de vagues gazettes, Et se dire sans cesse : "Oh ! pourvu que je sois Dans les petits papiers du Mercure François" ?... Non, merci ! Calculer, avoir peur, être blême, Préférer faire une visite qu'un poème, Rédiger des placets, se faire présenter ? Non, merci ! non, merci ! non, merci ! Mais... chanter, Rêver, rire, passer, être seul, être libre, Avoir l'œil qui regarde bien, la voix qui vibre, Mettre, quand il vous plaît, son feutre de travers, Pour un oui, pour un non, se battre, - ou faire un vers ! Travailler sans souci de gloire ou de fortune, À tel voyage, auquel on pense, dans la lune ! N'écrire jamais rien qui de soi ne sortît, Et modeste d'ailleurs, se dire : mon petit, Sois satisfait des fleurs, des fruits, même des feuilles, Si c'est dans ton jardin à toi que tu les cueilles ! Puis, s'il advient d'un peu triompher, par hasard, Ne pas être obligé d'en rien rendre à César, Vis-à-vis de soi-même en garder le mérite, Bref, dédaignant d'être le lierre parasite, Lors même qu'on n'est pas le chêne ou le tilleul, Ne pas monter bien haut, peut-être, mais tout seul !

When interest rates rise, bond prices fall. When interest rates fall, bond prices rise. In either case, if you hold a bond to the end of its term you will, barring default, get exactly what you paid for it.

this case it's sensible to develop a skill to just before the point that it begins to require maintenance, continued practice--beyond this point, replacing skill and time with capital assets makes more sense.

You know, if you could learn to cater to the king, you wouldn’t have to live on rice and beans.” To which the monk replies: “If you could learn to live on rice and beans, you wouldn’t have to cater to the king.

People with more money than time buy $3,000 road racing bicycles with ultralight carbon frames to shave two pounds off the bike, regardless of the fact that they themselves are probably at least 10 pounds overweight.

Living rather ascetically, travelling third-class when he was alone, with the cheapest wine, and good care of his clothes, and penalizing himself for any extravagances, he maintained a qualified financial independence.

Any connection with nature and most connections with technology are lost. There's a belief that nature is irrelevant and that anything can be solved using the current methods--now technology; previously magic or praying.

Bogle’s brilliance, for us investors, was to shift the ownership of his new company to the mutual funds it operates. Since we investors own those funds, through our ownership of shares in them, we in effect own Vanguard.

Real wealth is derived from a blend of financial and social capital. Social capital? While it is vital to our everyday lives (and happiness), the concept of social capital remains something of a mystery to most Americans.

For people in this group, money isn’t the most important thing about their work. Their independence, the freedom to do things their way, and being respected as experts in their field are much more important than mere money.

Not surprisingly Wells places the City of London—the international center of banking culture—and its financial credit as responsible for knitting together world economic life over the previous hundred years. With these innovations in communications and finance, but also with the frustrations and wars inherent (so he says) in the existence of independent national states and sovereignties, came about the gradual dawning of the idea of the World-State.

I was thoroughly fed up with the system. I had followed the rules for all these years, but there was no way I could stay in the system and do what I wanted to do. The whole reason why the organization of Gion Kobu had been systematized in the first place was to ensure the dignity and financial independence of the women who worked there. Yet the strictures of the Inoue School kept us subservient to its authority. There was no room for any sort of autonomy.

The mass education in high schools reflects the mass production of the real world. The teaching style has one teacher (supervisor) lecturing (leading) 20-25 students (workers) sitting in rows, much like a manager and his employees.

Since money is the single most powerful tool we have for navigating this complex world we’ve created, understanding it is critical. If you choose to master it, money becomes a wonderful servant. If you don’t, it will surely master you.

Don't mention that you also happen to manage a six-figure portfolio to your "voluntary simplicity" friends and don't mention that you only have one bedroom to your investment friends unless you're prepared for the resulting discussion.

Many profit-driven corporate strategies are based on fashion, planned obsolescence, unneeded upgrades, and masterful emotional manipulation --marketing--causing people to continuously replace goods which are still in good working order.

Life choices are not always about the money, but you should always be clear about the financial impact of the choices you make. Sound investing is not complicated. Save a portion of every dollar you earn or that otherwise comes your way.

If your interest rate is... Less than 3%, pay it off slowly and route the money to your investments instead. Between 3-5%, do whatever feels most comfortable: Either put the money to debt payment or investments. More than 5%, pay it off ASAP.

A woman’s true independence does not lie in her paycheck or her ability to provide for herself financially. Note, it’s okay if a paycheck is what she wants. But her true independence lies in her finally realizing her ultimate sensual calling.

The more the ego seeks to secure every possible liberty, independence, superiority, and freedom from obligations, the deeper does it fall into the slavery of objective facts. The subject's freedom of mind is chained to an ignominious financial dependence, his unconcernedness of action suffers now and again, a distressing collapse in the face of public opinion, his moral superiority gets swamped in inferior relationships, and his desire to dominate ends in a pitiful craving to be loved.

Using your wealth to purchase other people’s loyalty is a game as old as humanity itself. Rich men use their wealth to attract women, unscrupulous employers use material incentives and disincentives to manipulate their workers, and wealthy countries like the USA use their national wealth to keep their citizens loyal to the cause of aggressive and genocidal Imperialism. But historical longevity and common practice don’t make the manipulation or exploitation morally or ethically right. Organized religions are inherently POLITICAL organizations. There is a fundamental difference between the financial enterprise and political machinations of an organized religion versus a mass of independent unaffiliated believers, philosophers, and mystics who do not support any organized religion. Christianity and Islam are known as proselytizing religions because they make an organized and systemic effort to gain converts, and they often provide services, products, or employment to attract converts. Judaism, Hinduism, and Buddhism show far less zeal about gaining converts, which is why you almost never hear about Jewish, Hindu, or Buddhist missionaries. Modern medical and nursing schools usually teach their students the moral principle that the provision of medical services should never be used as a means to proselytize or promote a religion, but that does not deter many Christian health care providers from doing exactly that. Most of the medical and charitable organizations based in Christian countries are fronts for Christian proselytizing activities.

Sound investing is not complicated. Save a portion of every dollar you earn or that otherwise comes your way. The greater the percent of your income you save and invest, the sooner you’ll have F-You Money. Try saving and investing 50% of your income. With no debt, this is perfectly doable. The beauty of a high savings rate is twofold: You learn to live on less even as you have more to invest. The stock market is a powerful wealth-building tool and you should be investing in it. But realize the market and the value of your shares will sometimes drop dramatically. This is absolutely normal and to be expected. When it happens, ignore the drops and buy more shares. This will be much, much harder than you think. People all around you will panic. The news media will be screaming Sell, Sell, Sell! Nobody can predict when these drops will happen, even though the media is filled with those who claim they can. They are delusional, trying to sell you something or both. Ignore them. When you can live on 4% of your investments per year, you are financially independent.

The lines between need and want are continually and intentionally blurred. Years ago, a pal of mine had bought a new video camera. It was the best of the best and he was filming every moment of his young son’s life. In a burst of enthusiasm he said: “You know, Jim, you just can’t raise a child properly without one of these!” Ah, no. Actually you can. In fact, billions of children have been raised over the course of human history without ever having been videotaped. And horrific as it may sound, many still are today. Including my own.

Most people who run Freedom Businesses do so in order to achieve (or get closer to achieving) their ideal lifestyle, myself included. I wanted to be financially secure, location independent, well-connected, and in a position to be constantly trying and learning new things.

You are totally independent. Being financially secure is truly a life-enhancer; it sweetly oils the wheels of life. But remember: to talk of money, the excess of it or the lack of it, is vulgar to the extreme. One either boasts or whines, and neither makes for good conversation

Mother Nature convincingly suggests that those who stay scared and run with the herd are more likely to stay alive. As investors around you behave irrationally and the news describes a miasma that will last for years, it’s easy to lose sight of your well-laid plans. It’s tempting to join the herd…

Nothing can take the place of persistence. Talent will not; nothing is more common than unsuccessful men with talent. Genius will not; unrewarded genius is almost a proverb. Education will not; the world is full of educated derelicts. Persistence and determination alone are omnipotent. —CALVIN COOLIDGE

Less than a decade after the explosion of the first atom bomb the megamachine had expanded to a point where it began to dominate key areas of the whole economy of the United States: its system of control reached beyond the airfields, the rocket sites, the bomb factories, the universities, to a hundred other related areas, tying the once separate and independent enterprises to a central organization whose irrational and humanly subversive policies ensured the still further expansion of the megamachine. Financial subventions, research grants, educational subsidies, all worked unceasingly for the 'Life, Prosperity, Health' of the new rulers, headed by Goliaths in brass armor bellowing threats of defiance and destruction at the entire world. In a short time, the original military-industrial-scientific elite became the supreme Pentagon of Power, for it incorporated likewise both the bureaucratic and the educational establishments.

The independent growth of state business was caused by a conflict with the financially powerful forces of the time, with the bourgeoisie which went the way of private investment, shunned all state intervention, and refused active financial participation in what appeared to be an “unproductive” enterprise. Thus the Jews were the only part of the population willing to finance the state’s beginnings and to tie their destinies to its further development. With their credit and international connections, they were in an excellent position to help the nation-state to establish itself among the biggest enterprises and employers of the time.9

The financial press called it an ‘everything rally’. It went on for more than a decade. With shares in companies skyrocketing independently of whether the companies themselves turned a profit or not, the wealthy got immensely wealthier in their sleep. Then came the pandemic, giving the everything rally another almighty boost.

You are always self-employed. You are always the president of your own personal services corporation, no matter where you might be working at the moment. When you see yourself as self-employed, you develop the entrepreneur mentality. The mentality of the highly independent, self-responsible, self-starting individual. Instead of waiting for things to happen, you make things happen. You see yourself as the boss of your own life. You see yourself as completely in charge of your physical health, your financial well-being, your career, your relationships, your home, your car, and every element of your existence. This is the mindset of the truly excellent person.

As you renew your mental dimension, you reinforce your personal management (Habit 3). As you plan, you force your mind to recognize high leverage Quadrant II activities, priority goals, and activities to maximize the use of your time and energy, and you organize and execute your activities around your priorities. As you become involved in continuing education, you increase your knowledge base and you increase your options. Your economic security does not lie in your job; it lies in your own power to produce—to think, to learn, to create, to adapt. That’s true financial independence. It’s not having wealth; it’s having the power to produce wealth. It’s intrinsic.

In order to have more control in my life, in order to have the freedom to live in alignment with my goals and values, and in order to be able to walk away from situations that did not serve me, I needed to be financially free. I realised it wasn't wrong to care about or be ‘focused on’ money. Money affects every aspect of our lives. It affects our life expectancy, our health outcomes, our access to better resources. It affects our stress and mental health, our relationships with our families, partners and children. It affects our ability to enjoy our day-to-day activities, but, more importantly, it affects our freedom, our choices and what control we have over our lives.

Being independently wealthy is every bit as much about limiting needs as it is about how much money you have. It has less to do with how much you earn—high-income earners often go broke while low-income earners get there—than what you value. Money can buy many things, none of which is more important than your financial independence. Here’s

Too often in our modern culture, children are perceived as “nice to have” if you’ve got the time and the money and are prepared to suspend, or maybe even sacrifice, your career. Young couples today perceive the blessing of children not in relation to their true purpose, but rather in relation to their “quasi purpose” of financial independence.

When interest rates rise, bond prices fall. When interest rates fall, bond prices rise. In either case, if you hold a bond to the end of its term you will, barring default, get exactly what you paid for it. Stage 6 As you’ve likely guessed, the length of the term of a bond is our third risk factor and it also helps determine the interest rate paid.

I guess I'm a "single aristocrat" (dokushin kizoku). This is a category of people in their thirties who have a decent income, but are not obligated to spend it all on family. Usually a man in his thirties or forties would have a family, house, and loan. But we single aristocrats don't. So we spend all our money on hobbies. If I get married, I can't continue this life, unless my future wife is an otaku girl. If she's an otaku and a working woman, we can share space and save money, and thus have more money to spend on hobbies. I have no admiration for the regular "salary-man" (white collar corporate employee) life. I don't want to fully support a woman financially. I like independent women. I'm going to continue my hobby-centered lifestyle no matter what. --Yanai Jun

While you were in school, you got a report card once a quarter. A financial statement is your report card once you leave school. The problem is that since most people have not been trained to read financial statements or trained in how to keep a personal financial statement, they have no idea how they are doing once they leave school. Many people have failing marks on their personal financial statements but think they are doing well because they have a high-paying job and a nice home. Unfortunately, if I were handing out the grades, anyone who was not financially independent by age 45 would receive a failing grade. It is not that I want to be cruel. I just want people to wake up and maybe do a few things differently, before they run out of their most important asset—time.

Thus, by 1888 it had become evident that a national cooperative movement could not succeed in America, at least not in the absence of sustained, massive and violent attack on the wage-system, far more massive and well-organized than the Knights’ movement had been. As Henry Sharpe said, what they were doing was not realistic. Small workshops with little capital and obsolete machinery in an age of rapid industrialization; insufficient institution-building to give financial and material support to co-ops; enslavement to the market at a time when competitors would stop at nothing to suppress working-class moves toward independence. Especially with the weak leadership of Terence Powderly and the mass desertion of former Knights after 1886, as they lost strike after strike, the great dream of building a national cooperative economy was effectively over.

John [Adams] supposed there were two reasons why the British had gone after John Hancock. First, they wanted to make an example out of him, showing what would happen to anyone, no matter how rich, who dared to defy the new Townshend Act. Second, John Hancock was the biggest financial support of men like Samuel Adams and the Sons of Liberty. In fact, John Adams was reasonably sure that Sam Adams had no money whatsoever and that John Hancock was paying all his bills.

Though Wilder blamed her family’s departure from Kansas on “blasted politicians” ordering white squatters to vacate Osage lands, no such edict was issued over Rutland Township during the Ingallses’ tenure there. Quite the reverse is true: only white intruders in what was known as the Cherokee Strip of Oklahoma were removed to make way for the displaced Osages arriving from Kansas. (Wilder mistakenly believed that her family’s cabin was located forty—rather than the actual fourteen—miles from Independence, an error that placed the fictional Ingalls family in the area affected by the removal order.) Rather, Charles Ingalls’s decision to abandon his claim was almost certainly financial, for Gustaf Gustafson did indeed default on his mortgage. The exception: Unlike their fictional counterparts, the historical Ingalls family’s decision to leave Wisconsin and settle in Kansas was not a straightforward one. Instead it was the eventual result of a series of land transactions that began in the spring of 1868, when Charles Ingalls sold his Wisconsin property to Gustaf Gustafson and shortly thereafter purchased 80 acres in Chariton County, Missouri, sight unseen. No one has been able to pinpoint with any certainty when (or even whether) the Ingalls family actually resided on that land; a scanty paper trail makes it appear that they actually zigzagged from Kansas to Missouri and back again between May of 1868 and February of 1870. What is certain is that by late February of 1870 Charles Ingalls had returned the title to his Chariton County acreage to the Missouri land dealer, and so for simplicity’s sake I have chosen to follow Laura Ingalls Wilder’s lead, contradicting history by streamlining events to more closely mirror the opening chapter of Little House on the Prairie, and setting this novel in 1870, a year in which the Ingalls family’s presence in Kansas is firmly documented.

We can learn to think in this same way. Again, let’s use VTSAX in exploring this idea. Suppose yesterday you said, “Mmm. This idea of owning VTSAX makes sense to me. I’m gonna get me some.” And having said that, you sent Vanguard a check for $10,000. At yesterday’s close the price of VTSAX was $53.67. Your $10,000 bought you 186.3238308 shares. If VTSAX shares are trading at $56 per share a week from now, you might say, “Mmm. My $10,000 is now worth $10,434. Yippee. Mr. Collins sure is smart.

Other victims of neurotic dependency are battered wives. The fact that they are so often financially dependent upon the men who beat them makes for a vicious kind of entrapment. It's emotional dependency, though that puts a double lock on the trap. "There's a kind of panic that many women have about being able to make it in any way other than being dependent on their husbands (...) They've been taught their whole lives that they can't. It's a conditioning process." In situations in which they have no effect on their environments, animals begin to give up. (...) the same thing happens to humans. Stay long enough in a situation in which you feel you have no control, and you will simply stop responding. It's called learned helplessness. (...) Having been "shaped" to believe there is nothing she can do about the situation, the battered wife goes on being battered.Only after she begins to disengage from her belief in her own helplessness can she break out of the vicious cycle of dependency and its brutal effect on her life.

A staunch determinist might argue that between a magazine in a democratic country applying financial pressure to its contributors to make them exude what is required by the so-called reading public—between this and the more direct pressure which a police state brings to bear in order to make the author round out his novel with a suitable political message, it may be argued that between the two pressures there is only a difference of degree; but this is not so for the simple reason that there are many different periodicals and philosophies in a free country but only one government in a dictatorship. It is a difference in quality. If I, an American writer, decide to write an unconventional novel about, say, a happy atheist, an independent Bostonian, who marries a beautiful Negro girl, also an atheist, has lots of children, cute little agnostics, and lives a happy, good, and gentle life to the age of 106, when he blissfully dies in his sleep — it is quite possible that despite your brilliant talent, Mr. Nabokov, we feel [in such cases we don't think, we feel] that no American publisher could risk bringing out such a book simply because no bookseller would want to handle it. This is a publisher's opinion, and everybody has the right to have an opinion. Nobody would exile me to the wilds of Alaska for having my happy atheist published after all by some shady experimental firm; and on the other hand, authors in America are never ordered by the government to produce magnificent novels about the joys of free enterprise and of morning prayers.

those carrying out the vision of the anointed. Families who wish to be independent financially and to make their own decisions about their lives are of little interest or use to those who are seeking to impose their superior wisdom and virtue on other people. Earning their own money makes these families unlikely candidates for third-party direction and wishing to retain what they have earned threatens to deprive the anointed of the money needed to distribute as largess to others who would thus become subject to their direction.

How exactly did the Dutch win the trust of the financial system? Firstly, they were sticklers about repaying their loans on time and in full, making the extension of credit less risky for lenders. Secondly, their country’s judicial system enjoyed independence and protected private rights – in particular private property rights. Capital trickles away from dictatorial states that fail to defend private individuals and their property. Instead, it flows into states upholding the rule of law and private property. Imagine that you are the

This kind of deception seems like it would be obvious, but it usually begins very gradually and increases in frequency and severity over time. It leads to anxiety, depression and confusion. Victims eventually question their ‘version’ of reality. When they no longer trust their own perceptions, they rely on the manipulator to define reality and can no longer function independently. Having rendered the victim completely helpless and lacking any self-confidence, the manipulator is able to exercise total domination and get whatever it is they want, whether it is a feeling of superiority, financial control or sexual benefits.

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.

In fact, war itself could become a commodity, just like opium. In 1821 the Greeks rebelled against the Ottoman empire. The uprising aroused great sympathy in liberal and romantic circles in Britain - Lord Byron, the poet, even went to Greece to fight alongside the insurgents. But London financiers saw an opportunity as well. They proposed to the rebel leaders the issue of tradable Greek Rebellion Bonds on the London stock exchange. The Greeks would promise to repay the bonds, plus interest, if and when they won their independence. Private investors bought bonds to make a profit, or out of sympathy for the Greek cause, or both. The value of Greek Rebellion Bonds rose and fell on the London stock exchange in tempo with military successes and failures on the battlefields of Hellas. The Turks gradually gained the upper hand. With a rebel defeat imminent, the bondholders faced the prospect of losing their trousers. The bondholders' interest was the national interest, so the British organised an international fleet that, in 1827, sank the main Ottoman flotilla in the Battle of Navarino. After centuries of subjugation, Greece was finally free. But freedom came with a huge debt that the new country had no way of repaying. The Greek economy was mortgaged to British creditors for decades to come.

OK, but what do I do about the debt I have? While the mantra here is “avoid debt at all costs,” if you already have it, it is worth considering if paying it off ahead of schedule is the best use of your capital. In today’s environment, here’s my rough guideline: If your interest rate is... Less than 3%, pay it off slowly and route the money to your investments instead. Between 3-5%, do whatever feels most comfortable: Either put the money to debt payment or investments. More than 5%, pay it off ASAP. But this is just looking at the numbers. There is a lot to be said for focusing on just getting it out of your life and moving on. Especially if keeping your debt under control has been a problem for you.

It was a hugely significant moment: with one stroke of the pen, in return for a relatively modest payment of Rs2.6 million,* and Clive’s cynical promise on behalf of the Company to govern ‘agreeably to the rules of Mahomed and the law of the Empire’, the Emperor agreed to recognise all the Company’s conquests and hand over to it financial control of all north-eastern India. Henceforth, 250 East India Company clerks backed by the military force of 20,000 Indian sepoys would now run the finances of India’s three richest provinces, effectively ending independent government in Bengal for 200 years. For a stock market-listed company with profit as its main raison d’être, this was a transformative, revolutionary moment.

In the 1980s and 1990s, Venezuela’s Petróleos de Venezuela S.A. (widely known by its acronym, PDVSA), was one of the world’s most politically independent and well-managed national oil companies. In the early 2000s, President Hugo Chávez stripped PDVSA of its independent authority and replaced its top officials with loyal followers. He then placed PDVSA in charge of administering a new set of social programs, closely tied to his political machine. By 2004, two-thirds of PDVSA’s budget went to social programs, not petroleum-related activities. As its social programs grew, PDVSA’s transparency fell. After 2003, its financial disclosures dropped sharply, and independent observers found its activities increasingly difficult to monitor.73

The proletariat has not succeeded in negating itself as such - the century and a half since Marx has made that clear. The proletariat has failed to negate itself qua class and thereby abolish class society per se. Perhaps this is because the proletariat never was a class, as had been supposed - because only the bourgeoisie was a true Class, and therefore the only one capable of negating itself as such. For it has indeed negated itself, along with capital, and so generated a classless society, albeit one which has nothing to do with the classless society that was supposed to arise from a revolution and from a negation of the proletariat as such. As for the proletariat, it has simply disappeared - vanished along with the class struggle itself. There can be no doubt that had capitalism developed in accordance with its own contradictory logic, it would have been defeated by the proletariat. In an ideal sense, Marx's analysis is still irreproachable. But Marx simply did not foresee that it would be possible for capital, in the face of the imminent threat to its existence, to transpoliticize itself, as it were: to launch itself into an orbit beyond the relations of production and political contradictions, to make itself autonomous in a free-floating, ecstatic and haphazard form, and thus to totalize the world in its own image. Capital (if it may still be so called) has barred the way of political economy and the law of value; it is in this sense that it has successfully escaped its own end. Henceforward it can function independently of its own former aims, and absolutely without reference to any aims whatsoever. The inaugural event of this mutation was undoubtedly the Great Crash of 1929; the stockmarket crisis of 1987 was merely an aftershock.

Pope showed that a writer, if he were sufficiently good, and had sufficient business acumen, did not need a patron or employer. This new model of authorship made some uncomfortable. Writing for money sounded mercenary and generally unrespectable. The old culture of aristocratic patronage might, in a way, have been a surer guarantee of literary integrity and independence.69 If Hume had any worries on this score, he never confessed them. The tone of ‘My Own Life’ was one of unabashed pride in his own financial success. Hume positively trumpeted the fact that the money he received from his booksellers ‘much exceeded any thing formerly known in England’, and that it made him not just independent but also opulent.70 Another role model may have been Voltaire, who, while not averse to the patronage of the great, was a very capable marketer of his own works. The young Hume would 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.

Values come from the heart and are immutable at the moment. Yes, they may change tomorrow, a month from now, or a year from now. But at this moment, your signature values are something you feel so strongly about; they can’t be changed or compromised. In fact, they determine how happy you are at any moment in your life. And the word signature means that you have a hierarchy (a prioritized list) of values that are yours and yours alone. The only way you can find joy in life and in your career is to know what your signature values are and then to work hard living harmoniously with them. For instance, if you value health and are not healthy physically or emotionally, you can’t be happy. If you value financial independence and are broke, you can’t be happy. If you value a loving relationship and you are in a toxic and unhealthy one, you can’t be happy. If you value peace of mind but experience constant stress, you can’t be happy.

Even the cinema stories of fabulous Hollywood are loaded. One has only to listen to the cheers of an African audience as Hollywood’s heroes slaughter red Indians or Asiatics to understand the effectiveness of this weapon. For, in the developing continents, where the colonialist heritage has left a vast majority still illiterate, even the smallest child gets the message contained in the blood and thunder stories emanating from California. And along with murder and the Wild West goes an incessant barrage of anti-socialist propaganda, in which the trade union man, the revolutionary, or the man of dark skin is generally cast as the villain, while the policeman, the gum-shoe, the Federal agent — in a word, the CIA — type spy is ever the hero. Here, truly, is the ideological under-belly of those political murders which so often use local people as their instruments. While Hollywood takes care of fiction, the enormous monopoly press, together with the outflow of slick, clever, expensive magazines, attends to what it chooses to call ‘news. Within separate countries, one or two news agencies control the news handouts, so that a deadly uniformity is achieved, regardless of the number of separate newspapers or magazines; while internationally, the financial preponderance of the United States is felt more and more through its foreign correspondents and offices abroad, as well as through its influence over inter-national capitalist journalism. Under this guise, a flood of anti-liberation propaganda emanates from the capital cities of the West, directed against China, Vietnam, Indonesia, Algeria, Ghana and all countries which hack out their own independent path to freedom. Prejudice is rife. For example, wherever there is armed struggle against the forces of reaction, the nationalists are referred to as rebels, terrorists, or frequently ‘communist terrorists'!

Europe’s war against debtor countries was turning into class war, which always ends up being waged on the political battlefield. One financial analyst noted that the money raised for putting up islands and public buildings, ports and the water system for sale “will barely put a dint in Greece’s now-unpayable public debt.” Creditors simply hoped to take as much as they could, in the absence of public protests to stop the selloffs. That is why bankers resort to anti-democratic methods in opposing any political power independent of creditor interests. The aim is to centralize financial policy in the hands of “technocrats” drawn from the banking sector – not only Lucas Papademos in Greece, but also Mario Monti in Italy almost simultaneously (as described in the next chapter). The fear is that democratically elected officials will act “irresponsibly,” that is, in the interests of the economy at large rather than catering to the demands of banks and bondholders. The

otherwise the remainder of this book would be a trackless waste. The mayhem of the 1790s tends naturally to focus on France and its Revolution, but there is an equally strong argument for seeing a Europe-wide failure in this period which more broadly promoted irresponsibility and chaotic aggression. In the short time since the glory days of helping the United States gain independence, France had collapsed as a great power – demoralized, humiliated and financially broken down – and this had provided a peculiar and unaccustomed space for Austria and Prussia to muck about in without fear of French vengeance. Indeed one of the motors of the French Revolution was a new sense of national rather than merely dynastic humiliation: that the Grande Nation’s borders were being mocked by countries who would have previously shown much greater respect – most egregiously the Prussian invasion of the Dutch Republic in 1787 and the Habsburg crushing of revolution in the Austrian Netherlands in 1790. Joseph

When I started my marketing company, I fell into the same trap most entrepreneurs do in the early stages of their business. Desperate for sales I created page after page on my website, offering everything and anything from logo design and email marketing to Google AdWords and SEO. It was only when I stripped all of this noise away and focused almost exclusively on Google AdWords and PPC marketing that things started to happen for me. It was easier to rank my website on Google because the whole website was optimised around specific niche keywords. It was easier to close customers, because they wanted professional PPC services and I could demonstrate with little effort that I was a PPC specialist. In most cases I didn't even need to demonstrate this point because 5 seconds spent on my website would tell the client that my whole business was Google AdWords PPC. By making it look like the only thing I specialised in was PPC consultancy, I cornered the market in every channel my services were advertised.   But

Compare, for example, seventeenth century writers with those of the eighteenth. What a difference in tone and gait! The former, under a veneer of servility, have the most noble and proud stance… They do not pretend to reign. They merely stand at their place, recognize the place of a superior power beyond, give themselves completely to their writing task, dismiss the temptation of advertising and demonstrate their professional dedication. On the other hand, look at the Voltaire, Diderot and the like: they open well the era of intellectuals, writing stooges as they are, courtiers of princes they flatter and despise at the same time—something they are forced to do as they want to usurp their power… Their courtier nature reveals in everything they do… The whole eighteenth century, both spiritual and plain on a scoundrel background, is libertine, and already pornographic: such is the start of literary mercantilism; people of letters make money out of their writings, pretend to financial independence, and they write garbage to flatter the opinion of their public.

They’re sound theories,” Benjamin replied. “And they let me both steal a bite from your ices and feed you a few spoonfuls of my own.” She had to glance away lest he see her smile. “I was distracted, else you should not have gotten away with such outrageous behavior. I know what you’re doing, though.” “I’m glad somebody knows what I’m about, because I seem to have lost my own grasp of it entirely.” He smiled at her, an open, charming smile that had Maggie’s insides fluttering around like the birds flitting from branch to branch above them. “You’re making it seem as if we’re enamored of one another.” She kept her eyes on the horses before them, because an honest smile from Benjamin Portmaine was enough to steal her few remaining wits. “I am enamored of you.” He slowed the horses to let a landau lumber on ahead of them. “You’re gorgeous, passionate, intelligent, and independent—also a financial genius. I’m the man who proposed to you earlier this week, if you’ll recall.” “Must you remind me?” “Frequently, until you comprehend that I did not ask out of anything other than an honest desire to make you my countess.” She

Firstly, the Azerbaijanian struggle for a measure of autonomy and self-government is genuine and is locally inspired. The facts of history and existing conditions show that Azerbaijan has always been struggling to overthrow the feudal conditions imposed upon it (and upon the rest of Iran) by corrupt Iranian Governments. Secondly, the extent of Russian interference appeared to be negligible. In our travels we saw few Russian troops, and in Kurdistan we saw none at all. The leaders of the Azerbaijanian Government are not Russians but Azerbaijanians, and with few exceptions their sole aim seems to be the recovery and improvement and economic reform of Azerbaijan. There may be some Russian influence by indirect means, but I would suggest that it is less than our own influence in Iran which we exercise by direct control of ministers, political parties, state financiers, and by petty bribery. As for Kurdish Independence. The Kurds ask for an independence of their own making, not an independence sponsored by the British Government. Like the Azerbaijanians the Kurds are seeking real autonomy, and more than that, self-determination. Our present scheme to take them over and use them as a balancing factor in the political affairs of the Middle East is a reflection upon the honest of our intentions, and a direct blow at the spirit of all good men.

The traditional Roman wedding was a splendid affair designed to dramatize the bride’s transfer from the protection of her father’s household gods to those of her husband. Originally, this literally meant that she passed from the authority of her father to her husband, but at the end of the Republic women achieved a greater degree of independence, and the bride remained formally in the care of a guardian from her blood family. In the event of financial and other disagreements, this meant that her interests were more easily protected. Divorce was easy, frequent and often consensual, although husbands were obliged to repay their wives’ dowries. The bride was dressed at home in a white tunic, gathered by a special belt which her husband would later have to untie. Over this she wore a flame-colored veil. Her hair was carefully dressed with pads of artificial hair into six tufts and held together by ribbons. The groom went to her father’s house and, taking her right hand in his, confirmed his vow of fidelity. An animal (usually a ewe or a pig) was sacrificed in the atrium or a nearby shrine and an Augur was appointed to examine the entrails and declare the auspices favorable. The couple exchanged vows after this and the marriage was complete. A wedding banquet, attended by the two families, concluded with a ritual attempt to drag the bride from her mother’s arms in a pretended abduction. A procession was then formed which led the bride to her husband’s house, holding the symbols of housewifely duty, a spindle and distaff. She took the hand of a child whose parents were living, while another child, waving a hawthorn torch, walked in front to clear the way. All those in the procession laughed and made obscene jokes at the happy couple’s expense. When the bride arrived at her new home, she smeared the front door with oil and lard and decorated it with strands of wool. Her husband, who had already arrived, was waiting inside and asked for her praenomen or first name. Because Roman women did not have one and were called only by their family name, she replied in a set phrase: “Wherever you are Caius, I will be Caia.” She was then lifted over the threshold. The husband undid the girdle of his wife’s tunic, at which point the guests discreetly withdrew. On the following morning she dressed in the traditional costume of married women and made a sacrifice to her new household gods. By the late Republic this complicated ritual had lost its appeal for sophisticated Romans and could be replaced by a much simpler ceremony, much as today many people marry in a registry office. The man asked the woman if she wished to become the mistress of a household (materfamilias), to which she answered yes. In turn, she asked him if he wished to become paterfamilias, and on his saying he did the couple became husband and wife.

How lonely am I ? I am 21 year old. I wake up get ready for college. I go to the Car stop where I have a bunch of accquaintances whom I go to college with. If I'm unfortunately late to the stop, I miss the Car . But the accquaintances rarely halt the car for me. I have to phone and ask them to halt the car. In the car I don't sit beside anyone because the people I like don't like me and vice versa. I get down at college. Attend all the boring classes. I want to skip a class and enjoy with friends but I rarely do so because I don't have friends and the ones I have don't hang out with me. I often look at people around and wonder how everyone has friends and are cared for. And also wonder why I am never cared for and why I am not a priority to anyone. I reach home and rest for few minutes before my mom knocks on my door. I expect her to ask about my day. But she never does. Sometimes I blurt it out because I want to talk to people. I have a different relationship with my dad. He thinks I don't respect him and that I am an arrogant and self centered brat. I am tired of explaining him that I'm not. I am just opinionated. I gave up. Neither my parents nor my sis or bro ask me about my life and rarely share theirs. I do have a best friend who always messages and phones when she has something to say. That would mostly be about his girlfriend . But at times even though I try not to message him of my life. I do. I message him about how lonely I am. I always wanted a guy or a girl best friend. But he or she rarely talk to me. The girl who talk are extremely repulsive or very creepy. And I have a girl who made me believe that I was special for her.She was the only person who made me feel that way. I knew and still know that she is just toying with me. Yet I hope that's not true. I want to be happy and experience things like every normal person. But it seems impossible. And I am tired of being lonely. I once messaged a popular quoran. I complimented him answers and he replied. When I asked him if I can message him and asked him to be my friend he saw the message and chose not to reply. A reply, even a rejection is better than getting ignored. A humble request to people on Quora. For those who advertise to message them regarding any issue should stop doing that if they can't even reply. And for those who follow them. Don't blindly believe people on Quora or IRL Everyone has a mask. I feel very depressed at times and I want to consult a doctor. But I am not financially independent. My family doesn't take me seriously when I tell them I want to visit a doctor. And this is my lonely life. I just wish I had some body who cared for me and to stand by me. I don't know if that is possible. I stared to hate myself. If this continues on maybe I'll be drowning in the river of self hate and depreciation. Still I have hope. Hope is the only thing I have. I want my life to change. If you read the complete answer then, THANKS for your patience. People don't have that these days.

His great concern had to do with the fact that private fortunes were significantly outpacing investments in public services like schools, parks, and safety net programs. The process tends to begin gradually before accelerating under its own momentum. As people accumulate more money, they become less dependent on public goods and, in turn, less interested in supporting them. If they get their way, through tax breaks and other means, personal fortunes grow while public goods are allowed to deteriorate. As public housing, public education, and public transportation become poorer, they become increasingly, then almost exclusively, used only by the poor themselves.[6] People then begin to denigrate the public sector altogether, as if it were rotten at the root and not something the rich had found it in their interest to destroy. The rich and the poor soon unite in their animosity toward public goods—the rich because they are made to pay for things they don’t need and the poor because what they need has become shabby and broken. Things collectively shared, especially if they are shared across class and racial divides, come to be seen as lesser. In America, a clear marker of poverty is one’s reliance on public services, and a clear marker of affluence is one’s degree of distance from them. Enough money brings “financial independence,” which tellingly does not signal independence from work but from the public sector. There was a time when Americans wished to be free of bosses. Now we wish to be free of bus drivers. We wish for the freedom to withdraw from the wider community and sequester ourselves in a more exclusive one, pulling further and further away from the poor until the world they inhabit becomes utterly unrecognizable to us.[7]

Those women who fought the original battles suffer more than most. Hated and opposed when originally pushing down the barriers, they now often have to face contempt from a society which takes for granted their achievements. At a recent party I witnessed one such woman being challenged by a young man who had no sense of feminism's history or her involvement in it. 'Do you really call yourself a feminist?' he asked belligerently. 'Yes,' she answered rather wistfully, 'I'd still call myself that.' 'But what on earth does it mean?' he continued. 'I mean, is there really any need for it? Isn't it just part of the way we are, part of our unconscious?' It was a difficult and poignant moment for me, because it encapsulated both sides of my relationship with feminism. I greatly respected the woman for what she had achieved and deplored the man's lack of respect for why she had placed herself as she did. In such circumstances, no wonder she dug her heels in. This continuing lack of credibility and acceptance explains why feminists react badly when the fundamental tenets of the movement are challenged. But when I began to examine feminist ideas critically and challenge the idea that nothing had changed, I too met with resistance. There is a real reluctance to submit feminism's fundamental assumptions to an audit to see just how relevant they are to changing realities. The problem is that, by and large, I also agreed with what the man at that party said. Somewhere along the line something remarkable has happened. Individual feminists still meet with resistance and problems, but feminism as a movement has been extraordinarily successful; it has sunk into our unconscious. Our contemporary social world — and the way the sexes interact in it — is radically different from the one in which modern feminism emerged. Many of feminism's original objectives have been met, including the principle of equal pay for equal work, and the possibility of financial independence. Girls now are growing up in a world radically different from the one described by the early feminists. Feminism no longer has to be reiterated but simply breathed.

During the Russia-NATO Council session in Bucharest in April 2008, Putin called Ukraine “a complex state formation. If the NATO issue is added there,” he said, “along with other problems, this may bring Ukraine to the verge of existence as a sovereign state.” Later during the same summit, in a discussion with U.S. President George Bush, Putin said that Ukraine was “not a real country.” This is clearly light-years away from the “common principles” laid down in the Founding Act, signed by Russia and the members of NATO in 1997, in which Russia had recognized the inherent right of all countries “to choose the means to ensure their own security.” Putin’s declaration was a scarcely veiled threat that Russia would intervene if Ukraine decided to join NATO. Doubts on Ukraine’s viability as a sovereign state were expressed on many occasions by leading Russians. On March 16, 2009, the Kremlin ideologue Gleb Pavlovsky wrote in the Russkiy Zhurnal, a Russian online magazine of which he is the owner, an article titled: “Will Ukraine Lose Its Sovereignty?” This article was followed four days later by an interview with Sergey Karaganov, the éminence grise of the Russian foreign policy community and head of the Presidium of the Council on Foreign and Defense Policy. This article had the title: “No One Needs Monsters. Desovereignization of Ukraine.” Karaganov depicted Ukraine as a failed state that was in a process of “passive desovereignization.” The process was, however, not only “passive.” Karaganov warned that “Russia will not want to see absolutely ungovernable territories close by.” Yuriy Shcherbak, former Ukrainian ambassador to the United States, wrote in response: “In military language it is called the ideological-propagandistic support of the future operation on capturing the territory of a sovereign state.” In fact, Russian politicians continued to denounce Ukraine as an “artificial” country that had no right to exist. At the height of the financial crisis Valery Fadeyev, editor of the political journal Ekspert, wrote: “Ukraine is cheap, we can buy it.” It sounded less aggressive, almost as a joke, but it expressed the same contempt for Russia’s neighbor and its status as an independent, sovereign state [239―40].

Liberal anticulture rests on three pillars: first, the wholesale conquest of nature, which consequently makes nature into an independent object requiring salvation by the notional elimination of humanity; second, a new experience of time as a pastless present in which the future is a foreign land; and third, an order that renders place fungible and bereft of definitional meaning. These three cornerstones of human experience—nature, time and place—form the basis of culture, and liberalism’s success is premised upon their uprooting and replacement with facsimiles that bear the same names. The advance of this anticulture takes two primary forms. Anticulture is the consequence of a regime of standardizing law replacing widely observed informal norms that come to be discarded as forms of oppression; and it is the simultaneous consequence of a universal and homogenous market, resulting in a monoculture that, like its agricultural analogue, colonizes and destroys actual cultures rooted in experience, history, and place. These two visages of the liberal anticulture thus free us from other specific people and embedded relationships, replacing custom with abstract and depersonalized law, liberating us from personal obligations and debts, replacing what have come to be perceived as burdens on our individual autonomous freedom with pervasive legal threat and generalized financial indebtedness. In the effort to secure the radical autonomy of individuals, liberal law and the liberal market replace actual culture with an encompassing anticulture. This anticulture is the arena of our liberty—yet increasingly, it is rightly perceived as the locus of our bondage and even a threat to our continued existence. The simultaneous heady joy and gnawing anxieties of a liberated humanity, shorn of the compass of tradition and inheritance that were the hallmarks of embedded culture, are indicators of liberalism’s waxing success and accumulating failure. The paradox is our growing belief that we are thralls to the very sources of our liberation—pervasive legal surveillance and control of people alongside technological control of nature. As the empire of liberty grows, the reality of liberty recedes. The anticulture of liberalism—supposedly the source of our liberation—accelerates liberalism’s success and demise.

The enemy won some points at the very beginning. On both of the two days preceding his remarks about Worth, Hitchcock notes that American deserters had been shot while crossing the Rio Grande. Probably they were just bored with army rations but there was some thought that they might be responding to a proclamation of General Ampudia’s which spies had been able to circulate in camp. Noting the number of Irish, French, and Polish immigrants in the American force, Ampudia had summoned them to assert a common Catholicism, come across the river, cease “to defend a robbery and usurpation which, be assured, the civilized nations of Europe look upon with the utmost indignation,” and settle down on a generous land bounty. Some of them did so, and the St. Patrick Battalion of American deserters was eventually formed, fought splendidly throughout the war, and was decimated in the campaign for Mexico City — after which its survivors were executed in daily batches.… This earliest shooting of deserters as they swam the Rio Grande, an unwelcome reminder that war has ugly aspects, at once produced an agitation. As soon as word of it reached Washington, the National Intelligencer led the Whig press into a sustained howl about tyranny. In the House J. Q. Adams rose to resolve the court-martial of every officer or soldier who should order the killing of a soldier without trial and an inquiry into the reasons for desertion. He was voted down but thereafter there were deserters in every Whig speech on the conduct of the war, and Calm Observer wrote to all party papers that such brutality would make discipline impossible. But a struggling magazine which had been founded the previous September in the interest of sports got on a sound financial footing at last. The National Police Gazette began to publish lists of deserters from the army, and the War Department bought up big editions to distribute among the troops. Taylor sat in his field works writing prose. Ampudia’s patrols reconnoitered the camp and occasionally perpetrated an annoyance. Taylor badly needed the Texas Rangers, a mobile force formed for frontier service in the Texas War of Independence and celebrated ever since. It was not yet available to him, however, and he was content to send out a few scouts now and then. So Colonel Truman Cross, the assistant quartermaster general, did not return from one of his daily rides. He was still absent twelve days later, and Lieutenant Porter, who went looking for him with ten men, ran into some Mexican foragers and got killed.

Obama is also directing the U.S. government to invest billions of dollars in solar and wind energy. In addition, he is using bailout leverage to compel the Detroit auto companies to build small, “green” cars, even though no one in the government has investigated whether consumers are interested in buying small, “green” cars—the Obama administration just believes they should. All these measures, Obama recognizes, are expensive. The cap and trade legislation is estimated to impose an $850 billion burden on the private sector; together with other related measures, the environmental tab will exceed $1 trillion. This would undoubtedly impose a significant financial burden on an already-stressed economy. These measures are billed as necessary to combat global warming. Yet no one really knows if the globe is warming significantly or not, and no one really knows if human beings are the cause of the warming or not. For years people went along with Al Gore’s claim that “the earth has a fever,” a claim illustrated by misleading images of glaciers disappearing, oceans swelling, famines arising, and skies darkening. Apocalypse now! Now we know that the main body of data that provided the basis for these claims appears to have been faked. The Climategate scandal showed that scientists associated with the Intergovernmental Panel on Climate Change were quite willing to manipulate and even suppress data that did not conform to their ideological commitment to global warming.3 The fakers insist that even if you discount the fakery, the data still show.... But who’s in the mood to listen to them now? Independent scientists who have reviewed the facts say that average global temperatures have risen by around 1.3 degrees Fahrenheit in the past 100 years. Lots of things could have caused that. Besides, if you project further back, the record shows quite a bit of variation: periods of warming, followed by periods of cooling. There was a Medieval Warm Period around 1000 A.D., and a Little Ice Age that occurred several hundred years later. In the past century, the earth warmed slightly from 1900 to 1940, then cooled slightly until the late 1970s, and has resumed warming slightly since then. How about in the past decade or so? Well, if you count from 1998, the earth has cooled in the past dozen years. But the statistic is misleading, since 1998 was an especially hot year. If you count from 1999, the earth has warmed in the intervening period. This statistic is equally misleading, because 1999 was a cool year. This doesn’t mean that temperature change is in the eye of the beholder. It means, in the words of Roy Spencer, former senior scientist for climate studies at NASA, that “all this temperature variability on a wide range of time scales reveals that just about the only thing constant in climate is change.”4

Marx discovered the significance of economic power; and it is understandable that he exaggerated its status. He and the Marxists see economic power everywhere. Their argument runs: he who has the money has the power; for if necessary, he can buy guns and even gangsters. But this is a roundabout argument. In fact, it contains an admission that the man who has the gun has the power. And if he who has the gun becomes aware of this, then it may not be long until he has both the gun and the money. But under an unrestrained capitalism, Marx’s argument applies, to some extent; for a rule which develops institutions for the control of guns and gangsters but not of the power of money is liable to come under the influence of this power. In such a state, an uncontrolled gangsterism of wealth may rule. But Marx himself, I think, would have been the first to admit that this is not true of all states; that there have been times in history when, for example, all exploitation was looting, directly based upon the power of the mailed fist. And to-day there will be few to support the naïve view that the ‘progress of history’ has once and for all put an end to these more direct ways of exploiting men, and that, once formal freedom has been achieved, it is impossible for us to fall again under the sway of such primitive forms of exploitation. These considerations would be sufficient for refuting the dogmatic doctrine that economic power is more fundamental than physical power, or the power of the state. But there are other considerations as well. As has been rightly emphasized by various writers (among them Bertrand Russell and Walter Lippmann25), it is only the active intervention of the state—the protection of property by laws backed by physical sanctions—which makes of wealth a potential source of power; for without this intervention, a man would soon be without his wealth. Economic power is therefore entirely dependent on political and physical power. Russell gives historical examples which illustrate this dependence, and sometimes even helplessness, of wealth: ‘Economic power within the state,’ he writes26, ‘although ultimately derived from law and public opinion, easily acquires a certain independence. It can influence law by corruption and public opinion by propaganda. It can put politicians under obligations which interfere with their freedom. It can threaten to cause a financial crisis. But there are very definite limits to what it can achieve. Cæsar was helped to power by his creditors, who saw no hope of repayment except through his success; but when he had succeeded he was powerful enough to defy them. Charles V borrowed from the Fuggers the money required to buy the position of Emperor, but when he had become Emperor he snapped his fingers at them and they lost what they had lent.’ The dogma that economic power is at the root of all evil must be discarded. Its place must be taken by an understanding of the dangers of any form of uncontrolled power. Money as such is not particularly dangerous. It becomes dangerous only if it can buy power, either directly, or by enslaving the economically weak who must sell themselves in order to live.

Mrs Anne Jellicoe (1823-80) believed that a woman’s real emancipation lay in her right to work and consequent financial independence.

Independence Financial independence means that you don’t need to work to finance your lifestyle. In other words, you choose to work. You work because you want to, not because you have to.

The university’s retreat from public benefits damaged their independence as institutions. It damaged their intellectual ability to see over the horizon to the next economy and society and not just adapt to the current one. The retreat damaged their financial solvency, as it undermined the case for public good provision on which public universities depended to offer high-quality education on a mass scale. The public university could not be heard arguing that it absolutely had to offer mass quality. What good were the educated masses in a tech age when all the valuable workers could fit onto the Google bus?

An increase in cash flow generally translates into significant increases in consumption. Is it any wonder that only a small portion of Americans are financially independent?

You will never become financially independent without purchasing investments that appreciate without income realization.

No matter how much you love Nigeria, you can't help the country if you fail to help yourself and one of the best ways to help yourself is to be financially independent. With that, you own your thought process and decision-making capability which widen the scope of the problem at hand and proffers possible lasting solutions.

The general path to FIRE is to save 50 to 70 percent of your income, invest those savings in low-fee stock index funds, and retire in roughly ten years.

absolutely unstoppable.

You are the average of the five people you spend the most time with.