Self Income Quotes

When you work on something that only has the capacity to make you 5 dollars, it does not matter how much harder you work – the most you will make is 5 dollars.

Every job from the heart is, ultimately, of equal value. The nurse injects the syringe; the writer slides the pen; the farmer plows the dirt; the comedian draws the laughter. Monetary income is the perfect deceiver of a man's true worth.

Love the earth and sun and animals, Despise riches, give alms to everyone that asks, Stand up for the stupid and crazy, Devote your income and labor to others... And your very flesh shall be a great poem.

Happiness does not come in large incomes or the most exotic home, it comes in small doses of a great self esteem which can be built upon the strengths of an individual.

The surgeons' market is imaginary, since there is nothing wrong with women's faces or bodies that social change won't cure; so the surgeons depend for their income on warping female self-perception and multiplying female self-hatred.

Forget about willpower. It's time for why-power. Your choices are only meaningful when you connect them to your desires and dreams. The wisest and most motivating choices are the ones aligned with that which you identify as your purpose, your core self, and your highest values. You've got to want something, and know why you want it, or you'll end up giving up too easily.

What sense would it make to classify a man as handicapped because he is in a wheelchair today, if he is expected to be walking again in a month, and competing in track meets before the year is out? Yet Americans are generally given 'class' labels on the basis of their transient location in the income stream. If most Americans do not stay in the same broad income bracket for even a decade, their repeatedly changing 'class' makes class itself a nebulous concept. Yet the intelligentsia are habituated, if not addicted, to seeing the world in class terms.

Things might have been different if she hadn't been able to drift; if she'd had to concentrate on her next meal, instead of dwelling on all the injuries she felt we'd done her. An unearned income encourages self-pity in those already prone to it.

Invest three percent of your income in yourself (self-development) in order to guarantee your future.

The self-centered man will always expect nothing but praise. He will hope and expect all incoming criticism to be mere self-projection from the critic because when you're self-centered, self-projection is all you can imagine one can do.

An unearned income encourages self-pity in those already prone to it.

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.

And do you know what “the world” is to me? Shall I show it to you in my mirror? This world: a monster of energy, without beginning, without end; a firm, iron magnitude of force that does not grow bigger or smaller, that does not expend itself but only transforms itself; as a whole, of unalterable size, a household without expenses or losses, but likewise without increase or income; enclosed by “nothingness” as by a boundary; not something blurry or wasted, not something endlessly extended, but set in a definite space as a definite force, and not a space that might be “empty” here or there, but rather as force throughout, as a play of forces and waves of forces, at the same time one and many, increasing here and at the same time decreasing there; a sea of forces flowing and rushing together, eternally changing, eternally flooding back, with tremendous years of recurrence, with an ebb and a flood of its forms; out of the simplest forms striving toward the most complex, out of the stillest, most rigid, coldest forms striving toward the hottest, most turbulent, most self-contradictory, and then again returning home to the simple out of this abundance, out of the play of contradictions back to the joy of concord, still affirming itself in this uniformity of its courses and its years, blessing itself as that which must return eternally, as a becoming that knows no satiety, no disgust, no weariness: this, my Dionysian world of the eternally self- creating, the eternally self-destroying, this mystery world of the twofold voluptuous delight, my “beyond good and evil,” without goal, unless the joy of the circle is itself a goal; without will, unless a ring feels good will toward itself— do you want a name for this world? A solution for all of its riddles? A light for you, too, you best-concealed, strongest, most intrepid, most midnightly men?— This world is the will to power—and nothing besides! And you yourselves are also this will to power—and nothing besides!

In addition, if a person makes the error of identifying self with his work (rather than with the internal virtues that make the work possible), if self-esteem is tied primarily to accomplishments, success, income, or being a good family provider, the danger is that economic circumstances beyond the individual’s control may lead to the failure of the business or the loss of a job, flinging him into depression or acute demoralization.

The self-esteem one acquires and a well-earned feeling of one's strength are the only consolation in this world. Income, after all, most brutes have that.

Women are one-half of the world’s people; they do two-thirds of the world’s work; they earn one-tenth of the world’s income; they own one one-hundredth of the world’s property.

Incoming Text: Bert will be so disappointed. He had down that Canon would eat you alive by last night. Note to self: Never bet against Bert.

You religious men who boast so much that you live on charity including what the poor manage to scrape together out of their meagre income - how can you justify your actions? How can your moral conscience be clear when you acknowledge that in no way do you contribute to the society that is maintaining you, day after day? In your self complacent conceit, you denigrate and harshly condemn, those who, with their sweat and hard work, provide you with a life fit for a king. What is the reason you spend your lives living comfortably in some ashram or isolated monastery when life only makes sense if it is experienced with your fellow brothers and sisters by showing compassion to them? It is easy and simple enough to spend your lives meditating in the Himalayas being irritated by nothing and no one if not the occasional goat, rather than placing yourselves in the midst of your fellow men and living an ordinary life of toil as they do. Do not delude yourselves, because what you refer to as a state of internal peace represents nothing but the personal satisfaction of the conscious ego that is admiring and adoring itself..

Due to my self-employment, I had to report my income every few months. Earning $50 extra could make my co-pay at day care go up by the same amount. Sometimes it meant losing my childcare grant altogether. There was no incentive or opportunity to save money. The system kept me locked down, scraping the bottom of the barrel, without a plan to climb out of it.

My mind still clung to the image of my wife. A thought crossed my mind: I didn't even know if she were still alive. I knew only one thing-which I have learned well by now: Love goes very far beyond the physical person of the beloved. It finds its deepest meaning in his spiritual being, his inner self. Whether or not he is actually present, whether or not he is still alive at all, ceases somehow to be of importance. I did not know whether my wife was alive, and I had no menas of finding out (during all my prison life there was no outgoing or incoming mail); but at that moment it ceased to matter. There was no need for me to know; nothing could touch the strength of my love, my thought, and the image of my beloved. Had I known then that my wife was dead, I think that I would still have given myself, undisturbed by that knowledge, to the contemplation of her image, and that my mental conversations with her would have been just as vivid and just as stisfying. 'Set me like a seal upon thy heart, love is as strong as death.

Men with lower self-esteem tend to select women who are less physically attractive and women with lower self-esteem tend to select mates who are lower income earners

That girls should not marry for money we are all agreed. A lady who can sell herself for a title or an estate, for an income or a set of family diamonds, treats herself as a farmer treats his sheep and oxen — makes hardly more of herself, of her own inner self, in which are comprised a mind and soul, than the poor wretch of her own sex who earns her bread in the lowest stage of degradation. But a title, and an estate, and an income, are matters which will weigh in the balance with all Eve’s daughters — as they do with all Adam’s sons. Pride of place, and the power of living well in front of the world’s eye, are dear to us all; — are, doubtless, intended to be dear. Only in acknowledging so much, let us remember that there are prices at which these good things may be too costly.

Whoever we are, we find ourselves, through self-observation, possessed of a certain small number of typical ways of reacting to the manifold impressions of incoming life. These mechanical reactions govern us.

Because the state uses violence to achieve its ends, and there is no rational end to the use of violence, states grow until they destroy civilized interactions through the corruption of money, contracts, honesty, family and self-reliance. No state in history has ever been contained. It’s only taken a little more than a century for the US – founded on the idea of limited government, to break the bonds of the constitution, institute the income tax, take control of the money supply and the educational system and begin its catastrophic expansion.

Factor in the fact that factories should only hire people they make themselves, I believe, and you can see why I want to be self-employed and own a factory. This would mean I’d have thousands of clones of myself working for me. Think about it. I’ll increase my income thousands of times over, but I’ll only be paying tax for one person. 


Make no mistake, the privatization of prisons is less about unburdening taxpayers than it is about providing bankrupt communities with sources of income and especially about providing corporations with a captured population available for unpaid labor.

low-income parents find themselves having to do this immensely difficult thing: they have to tell hteir kids to listen to them and yet also send them the message “don’t be like me.” It is difficult to exercise authority under these conditions. To have one’s parenting practices be unintelligible, unacknowledged, deemed less worthy, is a profound form of attack on the self, especially when being a parent is a central part of one’s identity.

When you've prepared, practiced, studied, and consistently put in the required effort, sooner or later you'll be presented with your own moment of truth. In that moment, you will define who you are and who you are becoming. It is in those moments where growth and improvement live--when we either step forward or shrink back, when we climb to the top of the podium and seize the medal or we continue to applaud sullenly from the crowd for others' victories.

The subjective emotion we feel is the brain’s best predictive guess that explains the [incoming] interoceptive information at a whole bunch of hierarchical levels,” said Seth. “It’s not just cognition looking down at physiology and interpreting it.

Similarly, though the United States is one of the world’s richest economies by per capita income, it ranks only around seventeenth in reported life satisfaction. It is superseded not only by the likely candidates of Finland, Norway, and Sweden, which all rank above the United States but also by less likely candidates such as Costa Rica and the Dominican Republic. Indeed, one might surmise that it is health and longevity rather than income that give the biggest boost to reported life satisfaction. Since good health and longevity can be achieved at per capita income levels well below those of the United States, so too can life satisfaction. One marketing expert put it this way, with only slight exaggeration: Basic Survival goods are cheap, whereas narcissistic self-stimulation and social-display products are expensive. Living doesn’t cost much, but showing off does.

Don't panic. Midway through writing a novel, I have regularly experienced moments of bowel-curdling terror, as I contemplate the drivel on the screen before me and see beyond it, in quick succession, the derisive reviews, the friends' embarrassment, the failing career, the dwindling income, the repossessed house, the divorce . . . Working doggedly on through crises like these, however, has always got me there in the end. Leaving the desk for a while can help. Talking the problem through can help me recall what I was trying to achieve before I got stuck. Going for a long walk almost always gets me thinking about my manuscript in a slightly new way. And if all else fails, there's prayer. St Francis de Sales, the patron saint of writers, has often helped me out in a crisis. If you want to spread your net more widely, you could try appealing to Calliope, the muse of epic poetry, too.

It is not the economy that determines your income, it is your own personal development

Remember this rule: INCOME RARELY EXCEEDS PERSONAL DEVELOPMENT. That’s why all of us must subject ourselves to self-examination.

One of the keys to happiness, experts tell us, is autonomy in one’s life – the luxury of being able to decide your own destiny and achieve the fulfilment of self-realisation. It is no coincidence that the region that is consistently judged to have the highest levels of well-being and life quality, and the happiest, most fulfilled people, also has the greatest equality of educational opportunity and, according to a London School of Economics study comparing the incomes of fathers and sons over thirty years, among the very highest levels of social mobility in the world. The four main Nordic countries occupied the top four places on the list.

All varieties of the producers' policy are advocated on the ground of their alleged ability to raise the party members' standard of living. Protectionism and economic self-sufficiency, labor union pressure and compulsion, labor legislation, minimum wage rates, public spending, credit expansion, subsidies, and other makeshifts are always recommended by their advocates as the most suitable or the only means to increase the real income of the people for whose votes they canvass. Every contemporary statesman or politician invariably tells his voters: My program will make you as affluent as conditions may permit, while my adversaries' program will bring you want and misery.

Season late, day late, sun just down, and the sky Cold gunmetal but with a wash of live rose, and she, From water the color of sky except where Her motion has fractured it to shivering splinters of silver, Rises. Stands on the raw grass. Against The new-curdling night of spruces, nakedness Glimmers and, at bosom and flank, drips With fluent silver. The man, Some ten strokes out, but now hanging Motionless in the gunmetal water, feet Cold with the coldness of depth, all History dissolving from him, is Nothing but an eye. Is an eye only. Sees The body that is marked by his use, and Time's, Rise, and in the abrupt and unsustaining element of air, Sway, lean, grapple the pond-bank. Sees How, with that posture of female awkwardness that is, And is the stab of, suddenly perceived grace, breasts bulge down in The pure curve of their weight and buttocks Moon up and, in swelling unity, Are silver and glimmer. Then The body is erect, she is herself, whatever Self she may be, and with an end of the towel grasped in each hand, Slowly draws it back and forth across back and buttocks, but With face lifted toward the high sky, where The over-wash of rose color now fails. Fails, though no star Yet throbs there. The towel, forgotten, Does not move now. The gaze Remains fixed on the sky. The body, Profiled against the darkness of spruces, seems To draw to itself, and condense in its whiteness, what light In the sky yet lingers or, from The metallic and abstract severity of water, lifts. The body, With the towel now trailing loose from one hand, is A white stalk from which the face flowers gravely toward the high sky. This moment is non-sequential and absolute, and admits Of no definition, for it Subsumes all other, and sequential, moments, by which Definition might be possible. The woman, Face yet raised, wraps, With a motion as though standing in sleep, The towel about her body, under her breasts, and, Holding it there hieratic as lost Egypt and erect, Moves up the path that, stair-steep, winds Into the clamber and tangle of growth. Beyond The lattice of dusk-dripping leaves, whiteness Dimly glimmers, goes. Glimmers and is gone, and the man, Suspended in his darkling medium, stares Upward where, though not visible, he knows She moves, and in his heart he cries out that, if only He had such strength, he would put his hand forth And maintain it over her to guard, in all Her out-goings and in-comings, from whatever Inclemency of sky or slur of the world's weather Might ever be. In his heart he cries out. Above Height of the spruce-night and heave of the far mountain, he sees The first star pulse into being. It gleams there. I do not know what promise it makes him.

Take a piece of paper and a pen, and write down everything you aren’t happy with. Write down, very specifically, every single problem you face. If you are struggling with finances, you need a very clear picture of what’s wrong. Write down every debt, every bill, every asset, and every bit of income. If you are struggling with self-image, write down exactly what you dislike about yourself. If it is anxiety, write down everything that bothers or upsets you.

2017 study found that the ideology of America as a fair meritocracy led to more self-doubt and behavioral problems among low-income black and brown sixth graders because, as one teacher said, “they blame themselves for problems they can’t control.

When there are earnings, you have to be on a look out of where you will spend your earnings. And when the expenses come your way, you have to be strong that the evidence to repay the debts has come. Income is a resposibility and expense is the means to clear off the responsibility.

Steve Scott, a friend of mine, consistently makes $30–60K in passive income each month from his books, so there’s definitely a way to make a living off of only book revenue if that’s your goal. Self-published authors are currently making more than the big 5 published authors combined!

Government as we now know it in the USA and other economically advanced countries is so manifestly horrifying, so corrupt, counterproductive, and outright vicious, that one might well wonder how it continues to enjoy so much popular legitimacy and to be perceived so widely as not only tolerable but indispensable. The answer, in overwhelming part, may be reduced to a two-part formula: bribes and bamboozlement (classically "bread and circuses"). Under the former rubric falls the vast array of government "benefits" and goodies of all sorts, from corporate subsidies and privileges to professional grants and contracts to welfare payments and health care for low-income people and other members of the lumpenproletariat. Under the latter rubric fall such measures as the government schools, the government's lapdog news media, and the government's collaboration with the producers of professional sporting events and Hollywood films. Seen as a semi-integrated whole, these measures give current governments a strong hold on the public's allegiance and instill in the masses and the elites alike a deep fear of anything that seriously threatens the status quo.

Summary of the Rich Habits Promises: I WILL form good daily habits and follow these good daily habits each and every day. I WILL set goals for each day, for each month, for each year and for the long-term; I WILL focus on my goals each and every day. I WILL engage in self-improvement each and every day. I WILL devote part of each and every day in caring for my health. I WILL devote part of each and every day to forming lifelong relationships. I WILL live each and every day in a state of moderation. I WILL accomplish my daily tasks each and every day; I will adopt a “DO IT NOW” mindset. I WILL engage in rich thinking each and every day. I WILL save ten percent of my gross income every paycheck. I WILL control my thoughts and emotions each and every day.

The most realistic distinction between the investor and the speculator is found in their attitude toward stock-market movements. The speculator’s primary interest lies in anticipating and profiting from market fluctuations. The investor’s primary interest lies in acquiring and holding suitable securities at suitable prices. Market movements are important to him in a practical sense, because they alternately create low price levels at which he would be wise to buy and high price levels at which he certainly should refrain from buying and probably would be wise to sell. It is far from certain that the typical investor should regularly hold off buying until low market levels appear, because this may involve a long wait, very likely the loss of income, and the possible missing of investment opportunities. On the whole it may be better for the investor to do his stock buying whenever he has money to put in stocks, except when the general market level is much higher than can be justified by well-established standards of value. If he wants to be shrewd he can look for the ever-present bargain opportunities in individual securities. Aside from forecasting the movements of the general market, much effort and ability are directed on Wall Street toward selecting stocks or industrial groups that in matter of price will “do better” than the rest over a fairly short period in the future. Logical as this endeavor may seem, we do not believe it is suited to the needs or temperament of the true investor—particularly since he would be competing with a large number of stock-market traders and first-class financial analysts who are trying to do the same thing. As in all other activities that emphasize price movements first and underlying values second, the work of many intelligent minds constantly engaged in this field tends to be self-neutralizing and self-defeating over the years. The investor with a portfolio of sound stocks should expect their prices to fluctuate and should neither be concerned by sizable declines nor become excited by sizable advances. He should always remember that market quotations are there for his convenience, either to be taken advantage of or to be ignored. He should never buy a stock because it has gone up or sell one because it has gone down. He would not be far wrong if this motto read more simply: “Never buy a stock immediately after a substantial rise or sell one immediately after a substantial drop.” An

Living in low-income neighborhoods, I've seen sexual health campaigns aimed at slut-shaming us into celibacy. They talk about things like self-esteem and value and all the usual abstinence arguments. They assume that our bodies are a gift that we should bestow selectively on others, rather than the one thing that can never be anything but our own. Even if we do share it, it is ours irrevocably. These are the bodies that hold the brains we're supposed to shut off all day at work, the same bodies that aren't important enough to heal. These are the bodies that come with the genitalia that we should be so protective of? I really don't understand the logic. You can't tell us that our brains and labor and emotions are worth next to nothing and then expect us to get all full of intrinsic worth when it comes to our genitals. Either we're cheap or we're not. Make up your fucking mind.

As it is not a settled question, you must clear your mind of the fancy with which we all begin as children, that the institutions under which we live, including our legal ways of distributing income and allowing people to own things, are natural, like the weather. They are not. Because they exist everywhere in our little world, we take it for granted that they have always existed and must always exist, and that they are self-acting. That is a dangerous mistake. They are in fact transient makeshifts; and many of them would not be obeyed, even by well-meaning people, if there were not a policeman within call and a prison within reach. They are being changed continually by Parliament, because we are never satisfied with them.... At the elections some candidates get votes by promising to make new laws or to get rid of old ones, and others by promising to keep things just as they are. This is impossible. Things will not stay as they are. Changes that nobody ever believed possible take place in a few generations. Children nowadays think that spending nine years in school, oldage and widows’ pensions, votes for women, and short-skirted ladies in Parliament or pleading in barristers’ wigs in the courts are part of the order of Nature, and always were and ever shall be; but their great-grandmothers would have set down anyone who told them that such things were coming as mad, and anyone who wanted them to come as wicked.

When you allow your entire life to be based around your source of income, you are allowing your entire life to crumble at the loss of that source.

An unearned income encourages self-pity in those already prone to it. The

we tend to restrict gratitude to material blessings, but this restriction doesn’t allow gratitude to infuse our self-concept and identity. We know what it feels like to be grateful for our house and income, but we don’t tend to feel grateful for our reputation or for being perceived as witty, talented, or cool. We feel gratitude for stuff, but rarely for the self.

It is only if the primary or only reason you do what you do is to make money that you will envy every random person who made or makes a lot of money (or money that exceeds what you made or make).

Look, this island is an attempt to re-create a natural environment from the past. To make an isolated world where extinct creatures roam freely. Correct?” “Yes.” “But from my point of view, such an undertaking is impossible. The mathematics are so self-evident that they don’t need to be calculated. It’s rather like my asking you whether, on a billion dollars in income, you had to pay tax. You wouldn’t need to pull out your calculator to check. You’d know tax was owed. And, similarly, I know overwhelmingly that one cannot successfully duplicate nature in this way, or hope to isolate it.

If we wanted to be serious about evidence, we might compare where blacks stood a hundred years after the end of slavery with where they stood after 30 years of the liberal welfare state. In other words, we could compare hard evidence on “the legacy of slavery” with hard evidence on the legacy of liberals. Despite the grand myth that black economic progress began or accelerated with the passage of the civil rights laws and “war on poverty” programs of the 1960s, the cold fact is that the poverty rate among blacks fell from 87 percent in 1940 to 47 percent by 1960. This was before any of those programs began. Over the next 20 years, the poverty rate among blacks fell another 18 percentage points, compared to the 40-point drop in the previous 20 years. This was the continuation of a previous economic trend, at a slower rate of progress, not the economic grand deliverance proclaimed by liberals and self-serving black “leaders.” Nearly a hundred years of the supposed “legacy of slavery” found most black children [78%] being raised in two-parent families in 1960. But thirty years after the liberal welfare state found the great majority of black children being raised by a single parent [66%]. Public housing projects in the first half of the 20th century were clean, safe places, where people slept outside on hot summer nights, when they were too poor to afford air conditioning. That was before admissions standards for public housing projects were lowered or abandoned, in the euphoria of liberal non-judgmental notions. And it was before the toxic message of victimhood was spread by liberals. We all know what hell holes public housing has become in our times. The same toxic message produced similar social results among lower-income people in England, despite an absence of a “legacy of slavery” there. If we are to go by evidence of social retrogression, liberals have wreaked more havoc on blacks than the supposed “legacy of slavery” they talk about.

We are creators in the process of our own evolution. In this way, we are gods in our own universe. Self evolving gods, learning and expanding and interacting with a perpetual stream of incoming data

And it’s not about me being a ‘dude’ ”—the word came out a touch pained—“but about you still being a grad student. And your yearly income.” For a moment she hesitated, wondering if she should be offended. Was Adam being his well-known ass self? Was he patronizing her? Did he think she was poor? Then she remembered that she was, in fact, poor, and that he probably made five times as much as her.

In his history, Rich People’s Movements: Grassroots Campaigns to Untax the One Percent, Martin notes that the passage of the income tax in 1913 was regarded as calamitous by many wealthy citizens, setting off a century-long tug-of-war in which they fought repeatedly to repeal or roll back progressive forms of taxation. Over the next century, wealthy conservatives developed many sophisticated and appealing ways to wrap their antitax views in public-spirited rationales. As they waged this battle, they rarely mentioned self-interest, but they consistently opposed high taxes that fell most heavily on themselves.

We said it should be enough to cover three to six months of expenses, but should you go with three months or six months? If you think about the purpose of this fund, it will help you determine what is right for you. The purpose of the fund is to absorb risk, so the more risky your situation, the greater the emergency fund you should have. For example, if you earn straight commission or are self-employed, you should use the six-months rule. If you are single or you are a one-income married household, you should use the six-months rule because a job loss in your situation is a 100 percent cut in household income.

...this midlevel cultural-capital audience is not as far from the average white pop critic as we might have expected. We usually make middling incomes or worse, and while most have university degrees, our expertise is usually more self-taught than PhD-certified, a pattern believed would produce an anxious, fact-hoarding intellectual style in contrast with the relaxed mastery of a fully legitimated cultural elite.

Hence the uselessness of logic: no one ever convinced anybody by logic; and even logicians use logic only as a source of income. To convince a man, you must appeal to his self-interest, his desires, his will.

So," she said. All it was was no wheels on Profane, the boy a born pedestrian. Under his own power which was also power over her. Then what was she doing: declaring herself a dependent? As if here were the heart's authentic income-tax form, tortuous enough, mucked up with enough polysyllabic words to take her all of twenty-two years to figure out. At least that long: for surely it was complicated, being a duty you could rightfully avoid with none of fancy's Feds ever to worry about tracking you down on it, but. That "but." If you did take the trouble, even any first step, it meant stacking income against output; and who knew what embarrassments, exposés of self that might drag you into? Strange the places these things can happen in. Stranger that they ever do happen. She headed for the phone. It was in use. But she could wait.

We don’t even know that we’re dealing with one of these masters of Darkness until we become physically ill, lose our friends, our jobs, our incomes, our fertile years, and eventually even our self-esteem and dignity.

If you want to have Christ-like character, then you just develop the habits that Christ had,” one of Saddleback’s course manuals reads. “All of us are simply a bundle of habits….Our goal is to help you replace some bad habits with some good habits that will help you grow in Christ’s likeness.” Every Saddleback member is asked to sign a “maturity covenant card” promising to adhere to three habits: daily quiet time for reflection and prayer, tithing 10 percent of their income, and membership in a small group. Giving everyone new habits has become a focus of the church. “Once we do that, the responsibility for spiritual growth is no longer with me, it’s with you. We’ve given you a recipe,” Warren told me. “We don’t have to guide you, because you’re guiding yourself. These habits become a new self-identity, and, at that point, we just need to support you and get out of your way.

1. Start thy purse to fattening 2. Control thy expenditures 3. Make thy gold multiply 4. Guard thy treasures from loss 5. Make of thy dwelling a profitable investment 6. Insure a future income 7. Increase thy ability to earn

Since 1979 the middle 40% of households in the United States have seen only a 14% rise in their real income, while the poorest 20% have seen a 12% decline, and the richest 1%, a 185% increase. Globally, the share of income received by labour relative to capital has declined. These figures are symptomatic of the unsurprising fact that capital usually returns mostly to its owners. So globally, the ‘middle’ classes might be better off allying with the poor ones.

While passive parents often enjoy their children, have fun with them, and make them feel special, the children sense that their parents aren’t really there for them in any essential way. In fact, these parents are famous for turning a blind eye to family situations that are harmful to their children, leaving their kids to fend for themselves. When the mother is the passive parent, she may stay with a partner who demeans or abuses her children because she doesn’t have an independent income. Such mothers often numb themselves to what’s going on around them. For example, one mother later referred to her husband’s violent attacks on their children with the mild statement “Daddy could be tough sometimes.

Optimists Optimism is normal, but some fortunate people are more optimistic than the rest of us. If you are genetically endowed with an optimistic bias, you hardly need to be told that you are a lucky person—you already feel fortunate. An optimistic attitude is largely inherited, and it is part of a general disposition for well-being, which may also include a preference for seeing the bright side of everything. If you were allowed one wish for your child, seriously consider wishing him or her optimism. Optimists are normally cheerful and happy, and therefore popular; they are resilient in adapting to failures and hardships, their chances of clinical depression are reduced, their immune system is stronger, they take better care of their health, they feel healthier than others and are in fact likely to live longer. A study of people who exaggerate their expected life span beyond actuarial predictions showed that they work longer hours, are more optimistic about their future income, are more likely to remarry after divorce (the classic “triumph of hope over experience”), and are more prone to bet on individual stocks. Of course, the blessings of optimism are offered only to individuals who are only mildly biased and who are able to “accentuate the positive” without losing track of reality. Optimistic individuals play a disproportionate role in shaping our lives. Their decisions make a difference; they are the inventors, the entrepreneurs, the political and military leaders—not average people. They got to where they are by seeking challenges and taking risks. They are talented and they have been lucky, almost certainly luckier than they acknowledge. They are probably optimistic by temperament; a survey of founders of small businesses concluded that entrepreneurs are more sanguine than midlevel managers about life in general. Their experiences of success have confirmed their faith in their judgment and in their ability to control events. Their self-confidence is reinforced by the admiration of others. This reasoning leads to a hypothesis: the people who have the greatest influence on the lives of others are likely to be optimistic and overconfident, and to take more risks than they realize.

What’s the alternative to this state of affairs? Bennett suggests that his typical man see his sixteen free hours as a “day within a day,” explaining, “during those sixteen hours he is free; he is not a wage-earner; he is not preoccupied with monetary cares; he is just as good as a man with a private income.” Accordingly, the typical man should instead use this time as an aristocrat would: to perform rigorous self-improvement—a task that, according to Bennett, involves, primarily, reading great literature and poetry.

As far back as 1969, black males who came from homes where there were newspapers, magazines, and library cards had the same incomes as whites from similar homes and with the same number of years of schooling.82 In the 1970s, black husband-and-wife families outside the South earned as much as white husband-and-wife families outside the South.83 By 1981, for the country as a whole, black husband-and-wife families where both were college educated and both working earned slightly more than white families of the same description.

Among other strategies, he set up a “charitable lead trust” that enabled him to pass on his estate to his sons without inheritance taxes, so long as the sons donated the accruing interest on the principal to charity for twenty years. To maximize their self-interest, in other words, the Koch boys were compelled to be charitable. Tax avoidance was thus the original impetus for the Koch brothers’ extraordinary philanthropy. As David Koch later explained, “So for 20 years, I had to give away all that income, and I sort of got into it.

If you follow these simple truths, you will gain control over your financial future, and probably be able to accumulate millions and millions of dollars. These truths are not just about money, but about self discipline and the proof of love between yourself and your family. While I have gleaned these truths from the wisdom of the Jewish people, they will work for anyone in any setting regardless of religious background or income level. This is the oldest financial system in history and the only one that has survived the test of time.

But once again, there is some disappointing news, as the income of the median or typical American household is down since 2000, and unless wage gains are very strong in the next few years, this country essentially will have gone twenty years with wage stagnation or near wage stagnation for median earners.

Just as ancient tyrants gave the people bread and circuses, in exchanged for their loyalty, so visions can acquire a tyrannical sway over people’s minds by offering them an exalted sense of themselves in exchange for their loyalty to the vision through all the vicissitudes of facts to the contrary. This self-exaltation can take on many forms on many issues. Whether the particular issue is crime, automobile safety, income statistics, military defense, or overpopulation theories, the one consistency among them is that the conclusions reached exalt those who share the vision over the great unwashed who do not.

One might think that economic inequality leads to self-correction in democracies, as the public becomes alarmed or outraged by income gaps and institutes taxes or other policies to take from the rich or give to the poor. But this doesn’t happen often. Researchers have found that instead, in countries around the world, the accumulation of wealth also often leads to accumulation of political power that is then harnessed to multiply that wealth. Indeed, that’s what we’re seeing in America. Our political system responds to large donors, so politicians create benefits for the rich, who then reward the politicians who created them.

Although per capita income doubled during the half-century, not all sectors of society shared equally in this abundance. While both rich and poor enjoyed rising incomes, their inequality of wealth widened significantly. As the population began to move from farm to city, farmers increasingly specialized in the production of crops for the market rather than for home consumption. The manufacture of cloth, clothing, leather goods, tools, and other products shifted from home to shop and from shop to factory. In the process many women experienced a change in roles from producers to consumers with a consequent transition in status. Some craftsmen suffered debasement of their skills as the division of labor and power-driven machinery eroded the traditional handicraft methods of production and transformed them from self-employed artisans to wage laborers. The resulting potential for class conflict threatened the social fabric of this brave new republic.

Lasting happiness,’ Julian wrote, ‘comes from the size of our impact, not the extent of our income. Real fulfillment is a product of the value we create and the contribution we make, not of the car we drive or the house we buy. And I’ve learned that self-worth is more important than net worth. But I think you know that already.

Needless to say, the anointed much prefer to quote family and household statistics on income, claiming “economic stagnation,” the “disappearance of the middle class,” and miscellaneous other rhetorical catastrophes. “For all but the top 20 percent,” an op-ed column in the New York Times said, “income has stagnated.” Moreover, this alleged fact was “widely acknowledged” by “politicians, economists and sociologists.”72 That so many such people echoed the same refrain—without bothering to check readily available census data to the contrary—says more about them than about income. Moreover, not all such use of household or family income data can be attributed to statistical naivete.

Babylon became the wealthiest city of the ancient world because its citizens were the richest people of their time. They appreciated the value of money. They practiced sound financial principles in acquiring money, keeping money and making their money earn more money. They provided for themselves what we all desire . . . incomes for the future.

[Studies have found] that the typical entrepreneur earns less monetary compensation than her employee counterpart. Why then do so many entrepreneurs willingly engage in what is inherently risky activity? Because the additional psychic rewards—being one’s own boss, pride in self-accomplishment, and so forth—make the entrepreneurial endeavor worthwhile even if the entrepreneur does not gain the mega-prize. This, in turn, helps explain why entrepreneurs have a comparative advantage relative to large companies in attempting to discover and commercialize breakthrough innovations. Because a not insignificant portion of the entrepreneur’s “income” from her activity is psychic, the entrepreneur is the low-cost provider of radical innovation.

People do some crazy things with money. But no one is crazy. Here’s the thing: People from different generations, raised by different parents who earned different incomes and held different values, in different parts of the world, born into different economies, experiencing different job markets with different incentives and different degrees of luck, learn very different lessons. Everyone has their own unique experience with how the world works. And what you’ve experienced is more compelling than what you learn second-hand. So all of us—you, me, everyone—go through life anchored to a set of views about how money works that vary wildly from person to person. What seems crazy to you might make sense to me. Housel, Morgan. The Psychology of Money (p. 17). Kindle Edition.

There's no "get rich quick." There's no "overnight success." However, this doesn't mean that when you decide to start a business that you're just starting. You could start making new money tomorrow. I was fishing with my son and taught him that you can't catch a fish unless your line is in the water. A truth my dad once taught me. You may have spent years learning a skill or creating a product or service that you just simply haven't thought to monetize. Like leaving a fishing pole on the ground along side the river, but not having your line in the water yet. All you need to create a new stream of income is to make something consumable and offer it at a price that someone will pay. If you're not making offers, you're not making money. Get your line in the water!

It is, in fact, much like a coastline, and like a coastline its exact orientation in space and time ebbs and flows. At the moment the threshold is crossed, at the moment when self-organization occurs, the new living system enters a state of dynamic equilibrium. From that point on, the self-organized system retains an elegant sensitivity to that threshold point; it exists just on the balanced side of that threshold and so constantly monitors any incoming energy flows that touch it, for each incoming energy flow causes the system to move slightly too close to the line again—a process that can cause it to lose organization entirely if allowed to go too far. As that occurs, the system analyzes the nature of the flow it has encountered and crafts a response to it which will restore the balance point.

Deferral of gratification may be an effect, not a cause. Just because some children were more effective than others at distracting themselves from [the marshmallow in the famous Marshmallow Test] doesn't mean this capacity was responsible for the impressive results found ten years later. Instead, both of these things may have been due to something about their home environment. If that's true, there's no reason to believe that enhancing children's ability to defer gratification would be beneficial: It was just a marker, not a cause. By way of analogy, teenagers who visit ski resorts over winter break probably have a superior record of being admitted to the Ivy League. Should we therefore hire consultants to teach low-income children how to ski in order to improve the odds that colleges will accept them?

Washington is an example of the citizen-politician who goes to the capital of his state or nation, serves a few terms, and returns to civilian life – just as the Founding Fathers practiced and intended. Sadly, this has been almost completely disregarded by the pervasive career politicians of later generations. The current practice of politicians is to gain elected government positions and then refuse to honor voluntary term limits, thus obtaining lifetime security and prestige, exemption from laws legislated on others, and inappropriate padding of personal income through gifts from lobbyists, self-initiated increases in benefits, and lifetime pensions. Their lifestyles would shock and embarrass a selfless man like George Washington, who served eight years as commander in chief, accepting only expense reimbursements as his compensation. (See the stories on Haym Salomon and Dave Roever similar examples). On

De facto segregation, we tell ourselves, has various causes. when African Americans moved into a neighborhood like Ferguson, a few racially prejudiced white families decided to leave, and then as the number of black families grew, the neighborhood deteriorated, and "white flight" followed. Real estate agents steered whites away from black neighborhoods, and blacks away from white ones. Banks discriminated with "redlining," refusing to give mortgages to African Americans or extracting unusually severe terms from them with subprime loans. African Americans haven't generally gotten the educations that would enable them to earn sufficient incomes to live in white suburbs, and, as a result, many remain concentrated in urban neighborhoods. Besides, black families prefer to live with one another. All this has some truth, but it remains a small part of the truth, submerged by a far more important one: until the last quarter of the twentieth century, racially explicit policies of federal, state, and local governments defined where whites and African Americans should live. Today's residential segregation in the North, South, Midwest, and West is not the unintended consequence of individual choices and of otherwise well-meaning law or regulation but of unhidden public policy that explicitly segregated every metropolitan area in the United States. The policy was so systematic and forceful that its effects endure to the present time. Without our government's purposeful imposition of racial segregation, the other causes - private prejudice, white flight, real estate steering, bank redlining, income differences, and self-segregation - still would have existed but with far less opportunity for expression. Segregation by intentional government action is not de facto. Rather, it is what courts call de jure: segregation by law and public policy.

You may feel like your future is slipping from your grasp, that if you don’t rush now to greet your dreams you might lose out on them, but please wait. If you are coming from an unsupportive environment with regards to your sexual orientation, the best thing to do is to establish your independence. Make sure you have a support network of loving and loyal friends. Make sure you have somewhere to live. Make sure you have an income to sustain you. Place a premium on your life. Always, always place a premium on your life. When all these elements have been configured and your psychic compass is at the ready, go forth in the knowledge that you’ve created a self-preserving future for yourself. Go forth in the knowledge that you have a safe space to call home. Go forth in the knowledge that not only are you kicking ass but you are kicking ass on a major scale. Go forth in the knowledge that not only are you winning at life but you have already won.

Aomame knew that he worked for a corporation connected with oil. He was a specialist on capital investment in a number of Middle Eastern countries. According to the information she had been given, he was one of the more capable men in the field. She could see it in the way he carried himself. He came from a good family, earned a sizable income, and drove a new Jaguar. After a pampered childhood, he had gone to study abroad, spoke good English and French, and exuded self-confidence. He was the type who could not bear to be told what to do, or to be criticized, especially if the criticism came from a woman. He had no difficulty bossing others around, though, and cracking a few of his wife’s ribs with a golf club was no problem at all. As far as he was concerned, the world revolved around him, and without him the earth didn’t move at all. He could become furious—violently angry—if anyone interfered with what he was doing or contradicted him in any way.

In a market economy, a main determinant of social standing is participation in the labor market and the associated willingness to 'self-commodify' (e.g., Esping-Andersen 1999), the latter term nicely emphasizing how market economies render all forms of worth, even self-worth, a function of market valuation. When individuals fail to self-commodify, they fall outside the most fundamental institutions of the society, thereby reducing them to nonentities and social ciphers. This is why a mere transfer of income to the underclass... is inconsequential in relieving feelings of social exclusion. If anything, such a transfer only draws attention to the initial failure to self-commodify. although a class map also embodies distinctions of social standing among those who have an enduring commitment to the labor market, the social divide between the underclass and all other classes looms especially large because it captures this fundamental insider-outsider distinction.

The Gini coefficient, devised by the Italian sociologist Corrado Gini in 1912, is a measure of income or wealth disparity in a population. It is usually expressed as a fraction between 0 and 1, and it seems easy to understand, because 0 is the coefficient if everyone owned an equal amount, while 1 would obtain if one person owned everything and everyone else nothing. In our real world of the mid-twenty-first century, countries with a low Gini coefficient, like the social democracies, are generally a bit below 0.3, while highly unequal countries are a bit above 0.6. The US, China, and many other countries have seen their Gini coefficients shoot up in the neoliberal era, from 0.3 or 0.4 up to 0.5 or 0.6, this with barely a squeak from the people losing the most in this increase in inequality, and indeed many of those harmed often vote for politicians who will increase their relative impoverishment. Thus the power of hegemony: we may be poor but at least we’re patriots! At least we’re self-reliant and we can take care of ourselves, and so on, right into an early grave, as the average lifetimes of the poorer citizens in these countries are much shorter than those of the wealthy citizens. And average lifetimes overall are therefore decreasing for the first time since the eighteenth century. Don’t think that the Gini coefficient alone will describe the situation, however; this would be succumbing to monocausotaxophilia, the love of single ideas that explain everything, one of humanity’s most common cognitive errors. The

Kraus asks the question of Freudian analysis: What would be enough? At what point would talking about one’s problems for x hours a week, be sufficient to bring one to a state of “normalcy”? The genius of Freudianism, Kraus writes, is not the creation of a cure, but of a disease—the universal, if intermittent, human sentiment that “something is not right,” elaborated into a state whose parameters, definitions, and prescriptions are controlled by a self-selecting group of “experts,” who can never be proved wrong. It was said that the genius of the Listerine campaign was attributable to the creation not of mouthwash, but of halitosis. Kraus indicts Freud for the creation of the nondisease of dissatisfaction. (See also the famous “malaise” of Jimmy Carter, which, like Oscar Wilde’s Pea Soup Fogs, didn’t exist ’til someone began describing it.) To consider a general dissatisfaction with one’s life, or with life in general as a political rather than a personal, moral problem, is to exercise or invite manipulation. The fortune teller, the “life coach,” the Spiritual Advisor, these earn their living from applying nonspecific, nonspecifiable “remedies” to nonspecifiable discomforts.The sufferers of such, in medicine, are called “the worried well,” and provide the bulk of income and consume the bulk of time of most physicians. It was the genius of the Obama campaign to exploit them politically. The antecedent of his campaign has been called Roosevelt’s New Deal, but it could, more accurately, be identified as The Music Man.

Forcing new loans upon the bankrupt on condition that they shrink their income is nothing short of cruel and unusual punishment. Greece was never bailed out. With their ‘rescue’ loan and their troika of bailiffs enthusiastically slashing incomes, the EU and IMF effectively condemned Greece to a modern version of the Dickensian debtors’ prison and then threw away the key. Debtors’ prisons were ultimately abandoned because, despite their cruelty, they neither deterred the accumulation of new bad debts nor helped creditors get their money back. For capitalism to advance in the nineteenth century, the absurd notion that all debts are sacred had to be ditched and replaced with the notion of limited liability. After all, if all debts are guaranteed, why should lenders lend responsibly? And why should some debts carry a higher interest rate than other debts, reflecting the higher risk of going bad? Bankruptcy and debt write-downs became for capitalism what hell had always been for Christian dogma – unpleasant yet essential – but curiously bankruptcy-denial was revived in the twenty-first century to deal with the Greek state’s insolvency. Why? Did the EU and the IMF not realize what they were doing? They knew exactly what they were doing. Despite their meticulous propaganda, in which they insisted that they were trying to save Greece, to grant the Greek people a second chance, to help reform Greece’s chronically crooked state and so on, the world’s most powerful institutions and governments were under no illusions. […] Banks restructure the debt of stressed corporations every day, not out of philanthropy but out of enlightened self-interest. But the problem was that, now that we had accepted the EU–IMF bailout, we were no longer dealing with banks but with politicians who had lied to their parliaments to convince them to relieve the banks of Greece’s debt and take it on themselves. A debt restructuring would require them to go back to their parliaments and confess their earlier sin, something they would never do voluntarily, fearful of the repercussions. The only alternative was to continue the pretence by giving the Greek government another wad of money with which to pretend to meet its debt repayments to the EU and the IMF: a second bailout.

We cannot pick and choose whom among the oppressed it is convenient to support. We must stand with all the oppressed or none of the oppressed. This is a global fight for life against corporate tyranny. We will win only when we see the struggle of working people in Greece, Spain, and Egypt as our own struggle. This will mean a huge reordering of our world, one that turns away from the primacy of profit to full employment and unionized workplaces, inexpensive and modernized mass transit, especially in impoverished communities, universal single-payer health care and a banning of for-profit health care corporations. The minimum wage must be at least $15 an hour and a weekly income of $500 provided to the unemployed, the disabled, stay-at-home parents, the elderly, and those unable to work. Anti-union laws, like the Taft-Hartley Act, and trade agreements such as NAFTA, will be abolished. All Americans will be granted a pension in old age. A parent will receive two years of paid maternity leave, as well as shorter work weeks with no loss in pay and benefits. The Patriot Act and Section 1021 of the National Defense Authorization Act, which permits the military to be used to crush domestic unrest, as well as government spying on citizens, will end. Mass incarceration will be dismantled. Global warming will become a national and global emergency. We will divert our energy and resources to saving the planet through public investment in renewable energy and end our reliance on fossil fuels. Public utilities, including the railroads, energy companies, the arms industry, and banks, will be nationalized. Government funding for the arts, education, and public broadcasting will create places where creativity, self-expression, and voices of dissent can be heard and seen. We will terminate our nuclear weapons programs and build a nuclear-free world. We will demilitarize our police, meaning that police will no longer carry weapons when they patrol our streets but instead, as in Great Britain, rely on specialized armed units that have to be authorized case by case to use lethal force. There will be training and rehabilitation programs for the poor and those in our prisons, along with the abolition of the death penalty. We will grant full citizenship to undocumented workers. There will be a moratorium on foreclosures and bank repossessions. Education will be free from day care to university. All student debt will be forgiven. Mental health care, especially for those now caged in our prisons, will be available. Our empire will be dismantled. Our soldiers and marines will come home.

...a UBI is not a salve for a world of technological unemployment, or a powerful antipoverty measure, or a form of social dividend, or a way to boost the earnings of the working poor. Rather, it is all those things and more: a paradigmatic shift that would free people from having to do more work that they did not want to do at all. A UBI would, in essence, lop off the bottom of the psychologist Abraham Maslow's 'hierarchy of needs', where air, food, water, and shelter reside, with self-transcendence up at the other end. A UBI would give people the economic bandwidth to do what they wanted with their lives... Let the robots do the dirty work. Let the people do what they want.

Here’s a Reader’s Digest version of my approach. I select mutual funds that have had a good track record of winning for more than five years, preferably for more than ten years. I don’t look at their one-year or three-year track records because I think long term. I spread my retirement, investing evenly across four types of funds. Growth and Income funds get 25 percent of my investment. (They are sometimes called Large Cap or Blue Chip funds.) Growth funds get 25 percent of my investment. (They are sometimes called Mid Cap or Equity funds; an S&P Index fund would also qualify.) International funds get 25 percent of my investment. (They are sometimes called Foreign or Overseas funds.) Aggressive Growth funds get the last 25 percent of my investment. (They are sometimes called Small Cap or Emerging Market funds.) For a full discussion of what mutual funds are and why I use this mix, go to daveramsey.com and visit MyTotalMoneyMakeover.com. The invested 15 percent of your income should take advantage of all the matching and tax advantages available to you. Again, our purpose here is not to teach the detailed differences in every retirement plan out there (see my other materials for that), but let me give you some guidelines on where to invest first. Always start where you have a match. When your company will give you free money, take it. If your 401(k) matches the first 3 percent, the 3 percent you put in will be the first 3 percent of your 15 percent invested. If you don’t have a match, or after you have invested through the match, you should next fund Roth IRAs. The Roth IRA will allow you to invest up to $5,000 per year, per person. There are some limitations as to income and situation, but most people can invest in a Roth IRA. The Roth grows tax-FREE. If you invest $3,000 per year from age thirty-five to age sixty-five, and your mutual funds average 12 percent, you will have $873,000 tax-FREE at age sixty-five. You have invested only $90,000 (30 years x 3,000); the rest is growth, and you pay no taxes. The Roth IRA is a very important tool in virtually anyone’s Total Money Makeover. Start with any match you can get, and then fully fund Roth IRAs. Be sure the total you are putting in is 15 percent of your total household gross income. If not, go back to 401(k)s, 403(b)s, 457s, or SEPPs (for the self-employed), and invest enough so that the total invested is 15 percent of your gross annual pay. Example: Household Income $81,000 Husband $45,000 Wife $36,000 Husband’s 401(k) matches first 3%. 3% of 45,000 ($1,350) goes into the 401(k). Two Roth IRAs are next, totaling $10,000. The goal is 15% of 81,000, which is $12,150. You have $11,350 going in. So you bump the husband’s 401(k) to 5%, making the total invested $12,250.

In America, straightforward talk about class inequality is all but impossible, indeed taboo. Political appeals to the economic self-interest of ordinary voters, as distinct from their wealthy compatriots, court instant branding and disfigurement in the press as divisive “economic populism” or even “class warfare.”39 On the other hand, divisive political appeals composed in a different register, sometimes called “cultural populism,” enlist voters’ self-concept in place of their self-interest; appealing, in other words, to who they are and are not, rather than to what they require and why. Thus, the policies of the 1980s radically redistributed income upward. Then, with “economic populism” shooed from the public arena, “cultural populism” fielded something akin to a marching band. It had a simple melody about the need to enrich the “investing” classes (said to “create jobs”), and an encoded percussion: “culture wars”; “welfare mothers”; “underclass”; “race-and-IQ”; “black-on-black crime”; “criminal gene”; on and on.40 Halfway through the decade, as the band played on, a huge economic revolution from above had got well under way. The poorest 40 percent of American families were sharing 15.5 percent of household income, while the share of the richest 20 percent of families had risen to a record 43.7 percent, and the trend appeared to be (and has turned out to be) more and more of the same.41 The

But beyond a basic minimum, the relationship between income and happiness is slight. Research bears out Maslow’s analysis that the higher needs are love and belonging, esteem and self-actualisation. The most significant determinants of happiness are strong and rewarding personal relationships, a sense of belonging to a community, being valued by others and living a meaningful life. These are precisely the things in which religion specialises: sanctifying marriage, etching family life with the charisma of holiness, creating and sustaining strong communities in which people are valued for what they are, not for what they earn or own, and providing a framework within which our lives take on meaning, purpose, even blessedness.

This kind of parenting was typical in much of Asia—and among Asian immigrant parents living in the United States. Contrary to the stereotype, it did not necessarily make children miserable. In fact, children raised in this way in the United States tended not only to do better in school but to actually enjoy reading and school more than their Caucasian peers enrolled in the same schools. While American parents gave their kids placemats with numbers on them and called it a day, Asian parents taught their children to add before they could read. They did it systematically and directly, say, from six-thirty to seven each night, with a workbook—not organically, the way many American parents preferred their children to learn math. The coach parent did not necessarily have to earn a lot of money or be highly educated. Nor did a coach parent have to be Asian, needless to say. The research showed that European-American parents who acted more like coaches tended to raise smarter kids, too. Parents who read to their children weekly or daily when they were young raised children who scored twenty-five points higher on PISA by the time they were fifteen years old. That was almost a full year of learning. More affluent parents were more likely to read to their children almost everywhere, but even among families within the same socioeconomic group, parents who read to their children tended to raise kids who scored fourteen points higher on PISA. By contrast, parents who regularly played with alphabet toys with their young children saw no such benefit. And at least one high-impact form of parental involvement did not actually involve kids or schools at all: If parents simply read for pleasure at home on their own, their children were more likely to enjoy reading, too. That pattern held fast across very different countries and different levels of family income. Kids could see what parents valued, and it mattered more than what parents said. Only four in ten parents in the PISA survey regularly read at home for enjoyment. What if they knew that this one change—which they might even vaguely enjoy—would help their children become better readers themselves? What if schools, instead of pleading with parents to donate time, muffins, or money, loaned books and magazines to parents and urged them to read on their own and talk about what they’d read in order to help their kids? The evidence suggested that every parent could do things that helped create strong readers and thinkers, once they knew what those things were. Parents could go too far with the drills and practice in academics, just as they could in sports, and many, many Korean parents did go too far. The opposite was also true. A coddled, moon bounce of a childhood could lead to young adults who had never experienced failure or developed self-control or endurance—experiences that mattered as much or more than academic skills. The evidence suggested that many American parents treated their children as if they were delicate flowers. In one Columbia University study, 85 percent of American parents surveyed said that they thought they needed to praise their children’s intelligence in order to assure them they were smart. However, the actual research on praise suggested the opposite was true. Praise that was vague, insincere, or excessive tended to discourage kids from working hard and trying new things. It had a toxic effect, the opposite of what parents intended. To work, praise had to be specific, authentic, and rare. Yet the same culture of self-esteem boosting extended to many U.S. classrooms.

When I started in real estate, despite high ambition, I was constrained by the same 24 hours as everyone else. My early success came from a grueling schedule, long hours, and the high price of near burn-out. In self-defense, I devised a system that featured direct marketing in place of traditional prospecting plus a highly effective team, with all the non-rainmaker tasks delegated to them. This took me to the top of the profession, twice #1 in RE/MAX worldwide in commissions earned, and 15 years as one of the top agents—working less hours than most. While an active agent, I consistently sold over 500 homes a year, even while starting and developing a second business, training and coaching more millionaire agents than any other coach. Without the inspiration of Dan Kennedy’s direct marketing methods and his extraordinary, extreme time-management philosophy, these achievements simply would not have been possible. LEVERAGING yourself, by media in place of manual labor, and with other people is very intimidating to most real estate agents and to most small businesspeople. It frankly is not easy to get right, but it is the quantum leap that uniquely and simultaneously lifts income and supports a great lifestyle. —CRAIG PROCTOR, CRAIGPROCTOR.COM

LIKE IT OR NOT, SOCIAL media has fundamentally changed the ways in which nearly everybody conducts their friendships,276 but more so for women than for men.277 Social media is more important to women in part because it can accommodate the expressions of affection and self-revelation that often characterize female friendships. These empathetic expressions contrast with the norm for man-to-man friendships, which by and large can exist without the intimate confessions women so often make to one another. The increasing scarcity of women’s disposable time has helped spawn the mushrooming of social media. Even in dual-income households where the husband sincerely tries to shoulder a fair share of domestic burdens, the “second shift” of housekeeper/mother duties is still more often than not borne by the wife. Consequently, women in the twenty-first century have reincarnated themselves as quintessential multitaskers. Social media provides critical tools for women who manage the domestic front and the job front but who still wish to maintain important friendships. As Facebook honcho Sheryl Sandberg notes, women do the majority of the sharing on Facebook. Whereas men generally use social media for research and status boosting, “the social world is led by women,” according to Sandberg.278

It is one of the great beauties of our system, that a working-man may raise himself into the power and position of a master by his own exertions and behaviour; that, in fact, every one who rules himself to decency and sobriety of conduct, and attention to his duties, comes over to our ranks; it may not be always as a master, but as an over-looker, a cashier, a book-keeper, a clerk, one on the side of authority and order.' 'You consider all who are unsuccessful in raising themselves in the world, from whatever cause, as your enemies, then, if I under-stand you rightly,' said Margaret' in a clear, cold voice. 'As their own enemies, certainly,' said he, quickly, not a little piqued by the haughty disapproval her form of expression and tone of speaking implied. But, in a moment, his straightforward honesty made him feel that his words were but a poor and quibbling answer to what she had said; and, be she as scornful as she liked, it was a duty he owed to himself to explain, as truly as he could, what he did mean. Yet it was very difficult to separate her interpretation, and keep it distinct from his meaning. He could best have illustrated what he wanted to say by telling them something of his own life; but was it not too personal a subject to speak about to strangers? Still, it was the simple straightforward way of explaining his meaning; so, putting aside the touch of shyness that brought a momentary flush of colour into his dark cheek, he said: 'I am not speaking without book. Sixteen years ago, my father died under very miserable circumstances. I was taken from school, and had to become a man (as well as I could) in a few days. I had such a mother as few are blest with; a woman of strong power, and firm resolve. We went into a small country town, where living was cheaper than in Milton, and where I got employment in a draper's shop (a capital place, by the way, for obtaining a knowledge of goods). Week by week our income came to fifteen shillings, out of which three people had to be kept. My mother managed so that I put by three out of these fifteen shillings regularly. This made the beginning; this taught me self-denial. Now that I am able to afford my mother such comforts as her age, rather than her own wish, requires, I thank her silently on each occasion for the early training she gave me. Now when I feel that in my own case it is no good luck, nor merit, nor talent,—but simply the habits of life which taught me to despise indulgences not thoroughly earned,—indeed, never to think twice about them,—I believe that this suffering, which Miss Hale says is impressed on the countenances of the people of Milton, is but the natural punishment of dishonestly-enjoyed pleasure, at some former period of their lives. I do not look on self-indulgent, sensual people as worthy of my hatred; I simply look upon them with contempt for their poorness of character.

Fast-forward nearly a hundred years, and Prufrock’s protest is enshrined in high school syllabi, where it’s dutifully memorized, then quickly forgotten, by teens increasingly skilled at shaping their own online and offline personae. These students inhabit a world in which status, income, and self-esteem depend more than ever on the ability to meet the demands of the Culture of Personality. The pressure to entertain, to sell ourselves, and never to be visibly anxious keeps ratcheting up. The number of Americans who considered themselves shy increased from 40 percent in the 1970s to 50 percent in the 1990s, probably because we measured ourselves against ever higher standards of fearless self-presentation. “Social anxiety disorder”—which essentially means pathological shyness—is now thought to afflict nearly one in five of us. The most recent version of the Diagnostic and Statistical Manual (DSM-IV), the psychiatrist’s bible of mental disorders, considers the fear of public speaking to be a pathology—not an annoyance, not a disadvantage, but a disease—if it interferes with the sufferer’s job performance. “It’s not enough,” one senior manager at Eastman Kodak told the author Daniel Goleman, “to be able to sit at your computer excited about a fantastic regression analysis if you’re squeamish about presenting those results to an executive group.” (Apparently it’s OK to be squeamish about doing a regression analysis if you’re excited about giving speeches.)

Dr. Gilligan states: “I am suggesting that the only way to explain the causes of violence, so that we can learn how to prevent it, is to approach violence as a problem in public health and preventive medicine, and to think of violence as a symptom of life-threatening pathology, which, like all form of illness, has an etiology or cause, a pathogen.”160 In Dr. Gilligan's diagnosis he makes it very clear that the greatest cause of violent behavior is social inequality, highlighting the influence of shame and humiliation as an emotional characteristic of those who engage in violence.161 Thomas Scheff, a emeritus professor of sociology in California stated that “shame was the social emotion”.162 Shame and humiliation can be equated with the feelings of stupidity, inadequacy, embarrassment, foolishness, feeling exposed, insecurity and the like – all largely social or comparative in their origin. Needless to say, in a global society with not only growing income disparity but inevitably “self-worth” disparity - since status is touted as directly related to our “success” in our jobs, bank account levels and the like - it is no mystery that feelings of inferiority, shame and humiliation are staples of the culture today. The consequence of those feelings have very serious implications for public health, as noted before, including the epidemic of the behavioral violence we now see today in its various complex forms. Terrorism, local school and church shootings, along with other extreme acts that simply did not exist before in the abstractions they find context today, reveals a unique evolution of violence itself. Dr. Gilligan concludes: “If we wish to prevent violence, then, our agenda is political and economic reform.”163

But it is also true that a society of equal opportunity, without a top 1 percent hoarding the wealth and power, would actually benefit the vast majority of White people much more than racism does. It is not coincidental that slavery kept the vast majority of southern Whites poor. It is not coincidental that more White Americans thrived during the antiracist movements from the 1930s to the early 1970s than ever before or since. It is not coincidental that the racist movements that followed in the late twentieth century paralleled the stagnation or reduction of middle-and low-income Whites’ salaries and their skyrocketing costs of living. Antiracists should stop connecting selfishness to racism, and unselfishness to antiracism. Altruism is wanted, not required. Antiracists do not have to be altruistic. Antiracists do not have to be selfless. Antiracists merely have to have intelligent self-interest, and to stop consuming those racist ideas that have engendered so much unintelligent self-interest over the years. It is in the intelligent self-interest of middle-and upper-income Blacks to challenge the racism affecting the Black poor, knowing they will not be free of the racism that is slowing their socioeconomic rise until poor Blacks are free of racism. It is in the intelligent self-interest of Asians, Native Americans, and Latina/ os to challenge anti-Black racism, knowing they will not be free of racism until Black people are free of racism. It is in the intelligent self-interest of White Americans to challenge racism, knowing they will not be free of sexism, class bias, homophobia, and ethnocentrism until Black people are free of racism. The histories of anti-Asian, anti-Native, and anti-Latina/ o racist ideas; the histories of sexist, elitist, homophobic, and ethnocentric ideas: all sound eerily similar to this history of racist ideas, and feature some of the same defenders of bigotry in America. Supporting these prevailing bigotries is only in the intelligent self-interest of a tiny group of super rich, Protestant, heterosexual, non-immigrant, White, Anglo-Saxon males. Those are the only people who need to be altruistic in order to be antiracist. The rest of us merely need to do the intelligent thing for ourselves.