Incoming Baby Quotes

Incoming!" yelled Poseidon. They shifted-as much as they could in the cramped space-and Rocky landed in their midst. "This is not a baby," Hades noticed "I think it's a rock." He was observant that way.

If you're like most members of the Baby Boom generation, you decided somewhere along the line, probably after about four margaritas, to have children. This was inevitable. Mother Nature, in her infinite wisdom, has instilled within each of us a powerful biological instinct to reproduce; this is her way of assuring that the human race, come what may, will never have any disposable income.

I think it's terrible the way people don't share things in this country. I think it's a heartless government that will let one baby be born owning a big piece of the country, the way I was born, and let another baby be born without owning anything. The least a government could do, it seems to me, is to divide things up fairly among the babies.

There is, though, a strong link between income and number of babies per woman.

President Nixon presented a bill providing for a modest basic income, calling it “the most significant piece of social legislation in our nation’s history.” According to Nixon, the baby boomers would do two things deemed impossible by earlier generations. Besides putting a man on the moon (which had happened the month before), their generation would also, finally, eradicate poverty.

Money increases happiness only when it lifts people out of poverty to about $50,000 a year in income.

Baby Steps: Step 1: $1,000 in an emergency fund. Step 2: Pay off all debt except the house utilizing the debt snowball. Step 3: Three to six months of savings in a fully-funded emergency fund. Step 4: Invest 15% of your household income into Roth IRAs and pre-tax retirement plans. Step 5: College Funding (i.e. 529 plan). Step 6: Pay off your home early. Step 7: Build wealth and give.

The Nestlé Até Você a Bordo (‘Nestlé Takes You Onboard’) boat is described on Nestlé’s website as a ‘floating supermarket’. Its mission is to sail up the Amazon stopping at remote villages and encampments, reaching a potential 800,000 low-income tribal people. The crew of the Nestlé ship hand out free ‘starter packs’ of ice cream, baby milk, milkshakes and chocolate bars to people who have never seen or eaten processed food before.

Baby Step Four: Invest 15 Percent of Your Income in Retirement Those of you concerned about retirement are relieved we have finally gotten to this step. Those who have been living in denial are wondering what all the fuss is about. Baby Step Four is time to get really serious about your wealth building.

The gap between white and black education, income, and mortality rates is as wide today as it was forty years ago.6 If you look into a hospital nursery and see a black infant and a white infant, you can predict which baby will die first, which one will make a higher income and have better education, just by the color of the baby’s skin. There is no area in American society (education, incarceration, income, preaching, and so on) where racial disparity isn’t operating.7 Martin Luther King Jr. could not have known how we would abuse his hope that we will not be judged by skin color but by character.8 King said nothing about blindness being a virtue. Jesus never praised blindness; on a notable occasions he healed it. When whites claim, “I am color-blind in my dealings with others,” it’s usually an indication of our ignorance of how we have been thoroughly indoctrinated into race. It’s like saying, “I am sinless,” meaning, “My sin is so dominant in this society that it just seems normal.” A first step is to name our whiteness. As James Baldwin said in The Fire Next Time, “Whatever white people do not know about Negroes reveals, precisely and inexorably, what they do not know about themselves.”9

The benefits of good nutrition may be particularly strong for two sets of people who do not decide what they eat: unborn babies and young children. In fact, there may well be an S-shaped relationship between their parent’s income and the eventual income of these children, caused by childhood nutrition. That is because a child who got the proper nutrients in utero or during early childhood will earn more money every year of his or her life: This adds up to large benefits over a lifetime. For example, the study of the long-term effect of deworming children in Kenya, mentioned above, concluded that being dewormed for two years instead of one (and hence being better nourished for two years instead of one) would lead to a lifetime income gain of $3,269 USD PPP. Small differences in investments in childhood nutrition (in Kenya, deworming costs $1.36 USD PPP per year; in India, a packet of iodized salt sells for $0.62 USD PPP; in Indonesia, fortified fish sauce costs $7 USD PPP per year) make a huge difference later on.

The average household income in America is right around $50,000 per year, according to the Census Bureau. Joe and Suzy Average would invest $7,500 (15 percent) per year or $625 per month. If you make $50,000 per year and have no payments except the house mortgage and live on a budget, can you invest $625 per month? Follow me here. If Joe and Suzy invest $625 per month with no match into Roth IRAs from age thirty to age seventy, they will have $7,588,545 tax-FREE! That is almost $8 million. What if I’m half-wrong? What if you end up with only $4 million? What if I’m six times wrong? Sure beats the 97 out of 100 sixty-five-year-olds who can’t write a check for $600! I would submit to you that Joe and Suzy are well below average. Why? In our example they started at the average household income in America, and in forty years of work never got a raise. They saved 15 percent of income and never increased it by one dollar. There is no excuse to retire without financial dignity in the United States today. Most of you will have well over $2 million pass through your hands in your working lifetime, so do something about catching some of that money. Gayle asked me one day if it was too late for her to start saving. Gayle wasn’t twenty-seven like Joe and Suzy. She was fifty-seven years old, but with her attitude you would have thought this lady was 107. Harold Fisher had a much better outlook at age one hundred than Gayle did at age fifty-seven. Life had dealt her some blows and had knocked most of the hope out of her. A Total Money Makeover is not a magic show. You start where you are, and you do the steps. These steps work if you are twenty-seven or fifty-seven, and they don’t change. Gayle might be starting the retirement investing step at sixty that Joe and Suzy start at thirty years old. Gayle was unwise to enter her sixties without an emergency fund and with credit-card debt and a car payment. She, like all of us, couldn’t save when she has debt and no umbrella for when it rains. Would it have been better for Gayle to start when she was twenty-seven or even forty-seven? Obviously. But once she was done with the pity party, she still needed to start with Baby Step One and follow The Total Money Makeover step-by-step to put herself in the best position possible.

Immigrants who had never failed to repay a debt, because they had never been given a loan, often had surprisingly high thin-file FICO scores. Thus a Jamaican baby nurse or Mexican strawberry picker with an income of $14,000 looking to borrow three-quarters of a million dollars, when filtered through the models at Moody’s and S&P, became suddenly more useful, from a credit-rigging point of view. They might actually improve the perceived quality of the pool of loans and increase the percentage that could be declared triple-A. The Mexican harvested strawberries; Wall Street harvested his FICO score.

Money doesn’t make the cut. People who make more than $5 million a year are not appreciably happier than those who make $100,000 a year, the Journal of Happiness Studies found. Money increases happiness only when it lifts people out of poverty to about $50,000 a year in income. Past that, wealth and happiness part ways. This suggests something practical and relieving: Help your children get into a profession that can at least make around $50,000 a year. They don’t have to be millionaires to be thrilled with the life you prepare them for. After their basic needs are met, they just need some close friends and relatives. And sometimes even siblings, as the following story attests.

But there is a dark and deadly side to this fascination with comfort and convenience. Among the developed nations, every 5 seconds the life of an unborn child is snuffed out through abortion.[1] The reason usually given? “We’re just not ready to have a baby now.” Translated into plain English, this means that having the baby would be too inconvenient. If a new human life should happen to get in the way of our career and income goals, school schedules or marriage plans, the first choice is ruthless and simple: kill it. Nothing is allowed to get in the way of feeling good. Abortion is one of the most shocking, yet entirely logical, extensions of this obsession with comfort, convenience and luxury.

Page 548: We can imagine no recommendation for using the government to manipulate fertility that does not have dangers. But this highlights the problem: The United States already has policies that inadvertently social-engineer who has babies, and it is encouraging the wrong women. If the United States did as much to encourage high-IQ women to have babies as it now does to encourage low-IQ women, it would rightly be described as engaging in aggressive manipulation of fertility. The technically precise description of America's fertility policy is that it subsidizes births among poor women, who are also disproportionately at the low end of the intelligence distribution. We urge generally that these policies, represented by the extensive network of cash and services for low-income women who have babies, be ended.

Unfortunately, the critics of economics have had a tendency to discuss the whole structure as a tissue of misconceptions. It is a critique that fails. The strength of economics is its considerable, if far from complete, understanding of the flows and comparative advantages that underlie trade, jobs, capital and incomes, and the logic of optimising behaviour, all backed by glittering accomplishment in mathematics. That makes it a powerful analytical instrument, so that just a few misconceptions – such as a failure to understand the informal economy or resource depletion – have leverage: like a baby monkey at the controls of a Ferrari, they can turn it into an instrument with extraordinarily destructive potential. If it were a tissue of errors, it would not be dangerous: it is its 90 percent brilliance which makes it so.

Chronic stress in infancy and early childhood has been identified as a major contributor to adult health problems. In 2009, Jack Shonkoff and colleagues published a major review in the Journal of the American Medical Association that stated that "adult disease prevention begins with reducing early toxic stress." Considering the state of American's health, this is something we should take quite seriously. A recent report from the Institute of Medicine (2013) noted the following: "For many years, Americans have been dying at younger ages than people in almost all other high-income countries. This disadvantage has been getting worse for three decades, especially among women. Not only are their lives shorter, but Americans also have a longstanding pattern of poorer health that is strikingly consistent and pervasive over the life course." One way we can improve the health of the next generation is to challenge the hegemony of the cry-it-out advocates. We need to stand by the others we serve as they make the decision to defy cultural norms and respond to their babies. The health of the next generation depends on it.

At this point in your Total Money Makeover, you are debt-free except for the house, and you have three to six months of expenses ($10,000+/–) saved for emergencies. At this point in your Total Money Makeover, you are putting 15 percent of your income into retirement savings and you are investing for your kid’s college education with firm goals in sight on both. You are now one of the top 5 to 10 percent of Americans because you have some wealth, have a plan, and are under control. At this point in your Total Money Makeover, you are in grave danger! You are in danger of settling for “Good Enough.” You are at the eighteen-mile mark of a marathon, and now that it is time to reach for the really big gold ring, the final two Baby Steps could seem out of your reach. Let me assure you that many have been at this point. Some have stopped and regretted it; others have stayed gazelle-intense long enough to finish the race. The latter have looked and seen just one major hurdle left, after which they can walk with pride among the ultra-fit who call themselves financial marathoners. They can count themselves among the elite who have finished The Total Money Makeover.

suggest funding college, or at least the first step of college, with an Educational Savings Account (ESA), funded in a growth-stock mutual fund. The Educational Savings Account, nicknamed the Education IRA, grows tax-free when used for higher education. If you invest $2,000 a year from birth to age eighteen in prepaid tuition, that would purchase about $72,000 in tuition, but through an ESA in mutual funds averaging 12 percent, you would have $126,000 tax-free. The ESA currently allows you to invest $2,000 per year, per child, if your household income is under $220,000 per year. If you start investing early, your child can go to virtually any college if you save $166.67 per month ($2,000/year). For most of you, Baby Step Five is handled if you start an ESA fully funded and your child is under eight. If your children are older, or you have aspirations of expensive schools, graduate school, or PhD programs that you pay for, you will have to save more than the ESA will allow. I would still start with the ESA if the income limits don’t keep you out. Start with the ESA because you can invest it anywhere, in any fund or any mix of funds, and change it at will. It is the most flexible, and you have the most control.

This book is for you. Getting the “most possible lifetime” dollars from Social Security is likely a significant objective of yours. Saving taxes in retirement is likely a worthy ambition. Nobody wants to pay more taxes than they have to. Perhaps leaving a legacy might be another goal. Certainly coordinating your Social Security benefits with your investment and other income to combat 20-25 years of inflation is of prime importance.

The progressives pose as the champions not only of fairness and social justice but also of compassion. They are the ones who insist on our obligation to those from whom we have allegedly stolen. Let’s leave aside for the moment whether they are right about the theft. What we do know for sure is that progressives assert there has been a theft. They further acknowledge that they are among the beneficiaries of it. Based on this, they would seem to have a clear obligation to return the stolen goods that they are currently enjoying. We might expect, from this analysis, to discover that progressives are the most generous people in America. We can anticipate that they contribute the highest portion of their incomes and time to help their wronged and less fortunate fellow men and women. The truth, however, is that progressives are the least generous people in America. I saw this personally with Obama, who unceasingly declares that “we are our brother’s keeper” even as he refuses to help his own half brother, George, who lives in a hut in the Huruma slum of Nairobi. I met George in early 2012 when I interviewed him for my film 2016: Obama’s America. A few months after that, when I was back in America, George called me from Kenya to ask me to give him $1,000 because his baby son was sick. Surprised, I asked him, “Why are you calling me? Isn’t there someone else you can call?” He said, “No.” So I sent him the money. I guess on that occasion it was I, not Obama, who proved to be his brother’s keeper. And besides George, the president has other relatives in dire need—his aunt Hawa Auma, for example, sells charcoal on the roadside in rural Kenya, and desperately needs money to get her rotting teeth fixed. Although Obama is aware of their plight, he refuses to help them.

What would you have me do, Hunter?” He lifted his shoulders. “I don’t know. Keep him?” Her lips parted. “Keep him? You think I can simply keep him? Just like that?” “Sure.” “And I suppose you think that’s possible because I am, after all, a woman?” “Well, yes.” He tried to keep the exasperation from his voice, but didn’t quite manage it. “And just how, exactly, would I do that?” She jerked her arm out of his grasp. “I’d have to quit my job in order to take care of him. And if I did that, I’d have no source of income. Then he and I would both end up living in this mess.” He shook his head. “Not if you got married.” Her eyes widened. “Got married? To whom?” “I don’t know. I’m sure I could find you somebody.” She narrowed her eyes. “Well, I don’t want a husband, Hunter. Because husbands don’t much like it when their wives have ambitions and earn wages.” “But don’t you see, that’s the whole point.” Grabbing a bandanna from his pocket, he swiped it across the back of his neck. “You wouldn’t have to earn wages. Once you married, your husband could take care of you, and you, in turn, could take care of the baby.

Earth is not heaven. It was never meant to be. No new car, new house, new living room furniture, new kitchen appliances, new clothes, new hair, new baby, new vacation, new job, new income, new husband, or new anything will ever satisfy us, because we were not made for the things of this world.

senior housing facilities are a way to own income-producing real estate that is also tied to what I call a “demographic inevitability”: a wave of 76 million baby boomers who are aging and will require the use of these facilities.

Studies about our brains “on poverty” show that lack of resources negatively affect our cognition, stress levels, and decision-making. Recently, a landmark study even suggested that giving poor mothers a cash stipend during the first year of their babies’ lives literally improves their children’s cognitive development. And we know from research that higher incomes are correlated with higher well-being (there’s debate around the threshold this stops, but the point still stands). So, when someone says, “Well, money can’t buy you happiness,” you think, Umm, wanna bet, motherfucker?! Because not only does money provide you with your basic human needs such as safety and healthy food, but also it gives you the ability to rest, to nourish your body and mind, and to leave bad situations. Money can buy stability and choice, and that is happiness.

Demographic Segmentation Demographics are quantifiable statistics of a group of people, such as age, gender, marital status, income, and education level. Say you were developing an app for moms to easily share photos of their babies with friends and family. You could describe your target customers demographically as women 20 to 40 years old who have one or more children under the age of three. If you are targeting businesses, you'll use firmographics instead; these are to organizations what demographics are to people, and include traits such as company size and industry.

Since the baby boomer generation, the middle-income group has grown smaller with each successive generation

What does it actually mean to be free? Are you truly free if you are unable to go to a doctor when you are sick, or face financial bankruptcy when you leave the hospital? Are you truly free if you cannot afford the prescription drugs you need to stay alive? Are you truly free when you spend half of your limited income on housing, and are forced to borrow money from a payday lender at 200 percent interest rates? Are you truly free if you are seventy years old and have to continue working because you lack a pension or enough money to retire? Are you truly free if you are unable to attend college or a trade school because your family lacks the income? Are you truly free if you are forced to work sixty or eighty hours a week because you can’t find a job that pays a living wage? Are you truly free if you are a mother or father with a newborn baby but you are forced to go back to work immediately after the birth because you lack paid family leave? Are you truly free if you are a small business owner or family farmer who is driven out of the marketplace by the monopolistic practices of big business? Are you truly free if you are a veteran who put your life on the line to defend this country, and now sleep out on the streets?

What American Healthcare Can Learn from Italy: Three Lessons It’s easy. First, learn to live like Italians. Eat their famous Mediterranean diet, drink alcohol regularly but in moderation, use feet instead of cars, stop packing pistols and dropping drugs. Second, flatten out the class structure. Shrink the gap between high and low incomes, raise pensions and minimum wages to subsistence level, fix the tax structure to favor the ninety-nine percent. And why not redistribute lifestyle too? Give working stiffs the same freedom to have kids (maternity leave), convalesce (sick leave), and relax (proper vacations) as the rich. Finally, give everybody access to health care. Not just insurance, but actual doctors, medications, and hospitals. As I write, the future of the Affordable Care Act is uncertain, but surely the country will not fall into the abyss that came before. Once they’ve had a taste of what it’s like not to be one heart attack away from bankruptcy, Americans won’t turn back the clock. Even what is lately being called Medicare for All, considered to be on the fringe left a decade ago and slammed as “socialized medicine,” is now supported by a majority of Americans, according to some polls. In practice, there’s little hope for Italian lessons one and two—the United States is making only baby steps toward improving its lifestyle, and its income inequality is worse every year. But the third lesson is more feasible. Like Italy, we can provide universal access to treatment and medications with minimal point-of-service payments and with prices kept down by government negotiation. Financial arrangements could be single-payer like Medicare or use private insurance companies as intermediaries like Switzerland, without copying the full Italian model of doctors on government salaries. Despite the death by a thousand cuts currently being inflicted on the Affordable Care Act, I am convinced that Americans will no longer stand for leaving vast numbers of the population uninsured, or denying medical coverage to people whose only sin is to be sick. The health care genie can’t be put back in the bottle.

Almost every religious tradition has rules about sex, so it is easy to understand why so many people assume that women in some religions give birth to more children. But the link between religion and the number of babies per woman is often overstated. There is, though, a strong link between income and number of babies per woman.

Again, why anyone with a steady and enormous income would choose to live in Dresberg was beyond him, save for the worthless politicians holed up in the Innerchord, making pointless laws and eating baby animals. Rich people always ate tiny meat.

Willow wondered if it caused resentment: these confident, educated incomers, buying up the nice houses, subtly changing the character of the place. She’d always thought Shetlanders were certain enough of their own culture, hospitable enough, not to mind too much, but now she wasn’t so sure. Wouldn’t it feel like an invasion? She left her bag where it was and wandered down. The baby was sitting in a bouncy chair. He was soft-skinned and content, with downy hair and serious eyes. Willow had seen him the day of his birth and had been so jealous of Rosie that for the first time she’d understood how women could steal newborns from a hospital ward. ‘What did you decide to call him in the end?’ ‘Michael,’ John said. ‘We thought he looked like a Michael.’ Willow drank tea and listened to the couple chat. They offered her a meal, but she made do with a bannock and a slice of cheese and some home-made ginger biscuits. Soon she’d had enough of their company. She said she’d go up to her room; there was no need for them to show her, if it was the same as last time. It was jealousy again that sent her away. She knew that even if Perez had welcomed the news of her pregnancy, they would never have this sort of relationship: tender, calm, unflustered. There would always be something to come between them. Work, or Cassie, or Fran Hunter’s ghost. Her child would never live up to Cassie, in Perez’s mind, and she would never live up to Fran. In the room, she wondered if she should call Perez to find out how the interview with Magnie Riddell had gone. On any previous investigation she would have done that, or she’d have gone round to see him late in the

You know nothing about farming. Do you know how expensive the start-up will be for that?” “Well, thank God I’m a single man with an expendable income that I can fuck around with. Moooooo-ve over . . . the cows are coming, baby.

There is a clear pattern at play: once a name catches on among high-income, highly educated parents, it starts working its way down the socioeconomic ladder. Amber and Heather started out as high-end names, as did Stephanie and Brittany. For every high-end baby named Stephanie or Brittany, another five lower-income girls received those names within ten years.

What kind of parent is most likely to give a child such a distinctively black name? The data offer a clear answer: an unmarried, low-income, undereducated teenage mother from a black neighborhood who has a distinctively black name herself. In Fryer’s view, giving a child a superblack name is a black parent’s signal of solidarity with the community. “If I start naming my kid Madison,” he says, “you might think, ‘Oh, you want to go live across the railroad tracks, don’t you?’” If black kids who study calculus and ballet are thought to be “acting white,” Fryer says, then mothers who call their babies Shanice are simply “acting black.

Studies about our brains “on poverty” show that lack of resources negatively affect our cognition, stress levels, and decision-making. Recently, a landmark study even suggested that giving poor mothers a cash stipend during the first year of their babies’ lives literally improves their children’s cognitive development. And we know from research that higher incomes are correlated with higher well-being (there’s debate around the threshold this stops, but the point still stands).

Pro-choicers have convinced the public that legalized abortions are an act of mercy toward low-income mothers. They argue that government-funded abortions need to be more accessible to the poor. However, this kind of argument defies all reason, if you really think about it. The whole idea that poverty is an acceptable reason for the murder of unborn babies has had a devastating impact on the African-American community.

Condoize them for me, and I’d have income for

Unless younger generations remove the Boomers from power soon, the next quarter century will be even worse than the last one—a parade of missed opportunities and bad choices. The poor choices the Boomers have already made and the results they engendered are reflected in this book’s charts, snapshots of the decades of Boomer power. In the charts, lines that should have been going steadily up (like median income) have flattened and sometimes plunged, while lines that should be going down (like debt and obesity rates) have been going up, trends that will continue absent dramatic change. There aren’t many excuses for these failures, only explanations, and they all point the same way, as they have for years.

Where to find the borrowers with high FICO scores? Here the Wall Street bond trading desks exploited another blind spot in the rating agencies’ models. Apparently the agencies didn’t grasp the difference between a “thin-file” FICO score and a “thick-file” FICO score. A thin-file FICO score implied, as it sounds, a short credit history. The file was thin because the borrower hadn’t done much borrowing. Immigrants who had never failed to repay a debt, because they had never been given a loan, often had surprisingly high thin-file FICO scores. Thus a Jamaican baby nurse or Mexican strawberry picker with an income of $14,000 looking to borrow three-quarters of a million dollars, when filtered through the models at Moody’s and S&P, became suddenly more useful, from a credit-rigging point of view. They might actually improve the perceived quality of the pool of loans and increase the percentage that could be declared triple-A. The Mexican harvested strawberries; Wall Street harvested his FICO score.

The winning value proposition for nutritious baby food is that which combines a great-tasting product, in a locally appropriate food form, with added convenience for the mother, under an aspirational brand. For this, as we will see next, even low- income people are ready to pay a price.

Millions of women and girls spend hours walking miles each day, carrying their body weight in water, food or firewood on their heads, often with a baby strapped to their back—and all for no pay. But this gendered division of paid and unpaid work is prevalent in every society, albeit sometimes less visibly so. And since work in the core economy is unpaid, it is routinely undervalued and exploited, generating lifelong inequalities in social standing, job opportunities, income and power between women and men.

An exhaustive analysis recently studied Google data on searches initiated in both the most and least prosperous counties in the country (ranked according to an index that includes income and education). The study revealed that the searches most correlated with prosperity include digital cameras, baby joggers, Skype, and foreign travel. By contrast, the searches most correlated with deprivation included health problems; weight loss; guns; video games; and the Antichrist, hell, and the Rapture.

By the age of four, a child of professionals would have heard 32 million more words than a child on welfare. This 'thirty-million word gap' appears to have a huge impact in the child's development. 'With few exceptions, the more parents talked to their children, the faster the children's vocabularies were growing and the higher the children's IQ test scores at age three and later,' Hart and Risley wrote. They continued to follow the children until they were nine years old and found that the number of words young children heard seemed to have a substantial impact on their brain development, IQ, and school performance. Later research has confirmed their findings, as well as their conclusion that by school age poor children are often so far behind that it is difficult for them to catch up. Moreover, many of the words low-income children heard were stern ones of scolding, while professional parents praised their children at every opportunity. Children on welfare heard two words of discouragement for every encouraging one, while children of professionals received six encouraging words for every discouraging one. As David Olds and many other researchers have found, it's not that poor families are averse to talking to their babies or to praising them...By and large, parents of every background love their kids, want them to succeed, and are happy to help them thrive. The problem is that struggling single moms living in poverty are stressed and busy, don't realize that talking to a baby is critical, and often are accustomed to a parenting style that is authoritarian.

Judge Jefferson was still a sick man, and his deputy continued to be called upon to fill his place. Pettigrew travelled the length and breadth of Markshire. He passed from draughty town halls, where inaudible witnesses competed vainly with the roar of traffic outside, to stuffy police-courts loud with the clamour of imprisoned stray dogs. Daily he was called upon to solve the insoluble, to divine the truth between competing perjuries, to apportion derisory incomes among innumerable creditors, or to discover what had caused two stationary cars, each hugging its proper side of the road, to smash each other to pieces in the middle of the highway. He found time in the intervals to order the adoption of dozens of babies. He enjoyed himself immensely.

Four days after the baby came, Belt Buckle called and told Pam and Ned that their application had been approved. Pam had two evictions on her record, was a convicted felon, and received welfare. Ned had an outstanding warrant, no verifiable income, and a long record that included three evictions, felony drug convictions, and several misdemeanors like reckless driving and carrying a concealed weapon. They had five daughters. But they were white.

In a study in 1995, Betty Hart and Todd Risley of the University of Kansas found that children in professional families heard on average 2,100 words an hour. Working-class kids heard 1,200; those whose families lived on welfare heard only 600. By the age of three, a doctor’s or lawyer’s child has probably heard 30m more words than a poor child has. Well-off parents talk to their school-age children for three more hours each week than low-income parents, according to Meredith Phillips of the University of California, Los Angeles. They put their toddlers and babies in stimulating places such as parks and churches for four-and-a-half more hours. And highly educated mothers are better at giving their children the right kind of stimulation for their age, according to Ariel Kalil of the University of Chicago. To simplify, they play with their toddlers more and organise their teenagers.

Indeed, self-focus would become a primary motivation of the Boomers’ neoliberal reforms after 1980, where retention of income took precedence over its partial redistribution and investment for social purposes.

Incoming call: Adam Reynolds. I let those words fill my vision for a moment. Not because I intend to make him wait; it’s simply that for a second I freeze. Blake’s dad is a wolf, and I feel very much like the rabbit. The last time Adam and I talked, it didn’t turn out particularly well. But right now, the CEO of Cyclone—and the man who, incidentally, still thinks I’m dating his son—is calling me. What can I do? I hit accept. He appears on the screen: messy pepper-gray hair and beard scruff in need of a shave. His gaze fixes on mine. “Tina.” His voice is just a little hoarse. He clears his throat and sniffs. “Is Blake there?” “No.” “Good.” He frowns. “Look. Blake’s a little distant right now. Is something going on with him?” Something is obviously going on between them, but even I can’t tell what it is, and I suspect I know about as much as anyone on the planet except these two. I shake my head. “I’m not talking to you about Blake.” “Yeah.” He blows out a breath. “Probably just as well that you’re loyal to him. I just…” He pauses, tapping his fingers against his cheek. “It’s not that,” I interject. “It’s just that you’re an…” I choke back the word I’d been planning to put in that blank. Last time was bad enough. “You’re a little intense,” I finish. For a moment, he stares at me. Then, ever so slowly, he smiles. “Don’t start holding out on me now. I’m an asshole.” My surprise must show, because he shrugs a shoulder. “I’ve never claimed otherwise.” I suspect this is as close as Adam Reynolds will ever come to apologizing for his behavior in that restaurant. “Blake thinks you’re not an asshole.” “Blake,” Mr. Reynolds says with a roll of his eyes, “is a ridiculously good kid. There’s a reason I’m a little protective of him. I’m always afraid people will take advantage.” I don’t say anything. A little protective is what he is? Despite my silence, he sighs and waves his hand. “Good point,” he mutters in response to the thing I didn’t say. “It hasn’t happened yet, and God knows if he were as naïve as I really feared, it would have by now. Of all the women he could have had, he did choose you.” I think this is intended as a compliment. “Still,” his dad continues. “I worry. Is everything okay with him?” I have the distinct impression that even though Blake has never said so, most of his problems lie with this man. Somehow. Some way. “This is a conversation you should have with Blake.” He puts his fingers to the bridge of his nose. “Fuck.” He doesn’t move for a few moments. And then—of all things—he sniffles. Unconvincingly. “Mr. Reynolds, are you fake crying to try to get my sympathy?” The hand lowers. He glowers at me—obviously dry-eyed. “Fuck me,” he says. “First, call me Adam. Mr. Reynolds makes me sound like some bullshit old fart. Second, I don’t fucking cry. I especially don’t fake cry. Emotional manipulation is for morons who don’t have the strength of will to get people on their side with reason. I have a cold.” “Aw. Poor baby. You should get some rest.” I incline my head toward him, and then widen my eyes. “Oh, wait. I forgot. You can’t.” He shakes his head, but he’s smiling. “Yeah, yeah. My kid has good taste. I’m fucking things up for you. I hope it won’t be too much of a disturbance.” “You know.” I swallow. “I think Blake gave you the wrong impression about us.” “What, that he’s into you more than you’re into him? I got that from him.” I swallow. “That you need to be convinced? That he’s going to end up convincing you, no matter what you’re telling yourself right now? I let out a breath. “Exactly.” Adam points a finger at me. “That’s what I thought. My money’s on my boy. But hey, don’t tell me what’s going on. Who needs details? Surely not his own father. I’m not invasive.” “Right. Calling me in the middle of the night when Blake’s not around isn’t invasive at all.

Millennials have starkly different expectations. More than 7 in 10 (72%) Millennials do not expect Social Security to be their main source of retirement income. In fact, 42% of Millennials think they will get no retirement income from Social Security at all, as do 35% of Generation Xers. While around 1 in 5 Baby Boomers (22%) say they are already retired, most are not, and their expectations about Social Security are mixed.

In his book The Retirement Myth, Craig S. Karpel writes: “I visited the headquarters of a major national pension consulting firm and met with a managing director who specializes in designing lush retirement plans for top management. When I asked her what people who don’t have corner offices will be able to expect in the way of pension income, she said with a confident smile, ‘The Silver Bullet’. “What, I asked, is ‘The Silver Bullet?’” “She shrugged and said, ‘If baby boomers discover they don’t have enough money to live on when they’re older, they can always blow their brains out.’” Karpel goes on to explain the difference between the old defined-benefit retirement plans and the new 401(k) plans that are riskier. It is not a pretty picture for most people working today. And that is just for retirement. Add medical fees and long-term nursing-home care and the picture is frightening.

Most modern reformers are merely bottomless sceptics, and have no basis on which to rebuild; and it is well that such reformers should realise that there is something they cannot reform. You can put down the mighty from their seat; you can turn the world upside down, and there is much to be said for the view that it may then be the right way up. But you cannot create a world in which the baby carries the mother. You cannot create a world in which the mother has not authority over the baby. You can waste your time in trying, by giving votes to babies or proclaiming a republic of infants in arms. You can say, as an educationist said the other day, that small children should “criticise, question authority and suspend their judgment.” I do not know why he did not go on to say that they should earn their own living, pay income tax to the state, and die in battle for the fatherland; for the proposal evidently is that children shall have no childhood.

Money increases happiness only when it lifts people out of poverty to about $50,000 a year in income. Past that, wealth and happiness part ways. This suggests something practical and relieving: Help your children get into a profession that can at least make around $50,000 a year. They don’t have to be millionaires to be thrilled with the life you prepare them for. After their basic needs are met, they just need some close friends and relatives. And sometimes even siblings,

Many of us juggle multiple life factors including businesses to run, work to go to, children to take care of, our physical bodies to tend to, homes and cars that need maintenance, friends and family to keep up with, groups and communities to stay active with, emails to respond to and an online presence to maintain. Not to mention the time needed for self-care, exercise, play, personal growth, meditation practice, shows to binge or simple quiet time in nature. Economic times have also changed. For many, a single income is barely enough to support a single person, let alone a family. As I enumerate all of these life factors, I’m actually surprised anyone has time for even one securely attached relationship. Secure attachment takes time, both to establish and to maintain. Research shows that it takes babies up to seven months for their attachment to their caregivers to become securely established, and for adults, a securely attached romantic relationship takes approximately two years to really solidify.60 So, while you might feel an instant resonance or connection with someone, building an actual relationship based on trust, seeing each other in multiple contexts, deeply understanding each other and relating in securely attached ways requires time.