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This was the engine of doom.” He’d draw a picture of several towers of debt. The first tower was the original subprime loans that had been piled together. At the top of this tower was the triple-A tranche, just below it the double-A tranche, and so on down to the riskiest, triple-B tranche—the bonds Eisman had bet against. The Wall Street firms had taken these triple-B tranches—the worst of the worst—to build yet another tower of bonds: a CDO. A collateralized debt obligation. The reason they’d done this is that the rating agencies, presented with the pile of bonds backed by dubious loans, would pronounce 80 percent of the bonds in it triple-A. These bonds could then be sold to investors—pension funds, insurance companies—which were allowed to invest only in highly rated securities.

In her book The Government-Citizen Disconnect, the political scientist Suzanne Mettler reports that 96 percent of American adults have relied on a major government program at some point in their lives. Rich, middle-class, and poor families depend on different kinds of programs, but the average rich and middle-class family draws on the same number of government benefits as the average poor family. Student loans look like they were issued from a bank, but the only reason banks hand out money to eighteen-year-olds with no jobs, no credit, and no collateral is because the federal government guarantees the loans and pays half their interest. Financial advisers at Edward Jones or Prudential can help you sign up for 529 college savings plans, but those plans' generous tax benefits will cost the federal government an estimated $28.5 billion between 2017 and 2026. For most Americans under the age of sixty-five, health insurance appears to come from their jobs, but supporting this arrangement is one of the single largest tax breaks issued by the federal government, one that exempts the cost of employer-sponsored health insurance from taxable incomes. In 2022, this benefit is estimated to have cost the government $316 billion for those under sixty-five. By 2032, its price tag is projected to exceed $6oo billion. Almost half of all Americans receive government-subsidized health benefits through their employers, and over a third are enrolled in government-subsidized retirement benefits. These participation rates, driven primarily by rich and middle-class Americans, far exceed those of even the largest programs directed at low income families, such as food stamps (14 percent of Americans) and the Earned Income Tax Credit (19 percent). Altogether, the United States spent $1.8 trillion on tax breaks in 2021. That amount exceeded total spending on law enforcement, education, housing, healthcare, diplomacy, and everything else that makes up our discretionary budget. Roughly half the benefits of the thirteen largest individual tax breaks accrue to the richest families, those with incomes that put them in the top 20 percent. The top I percent of income earners take home more than all middle-class families and double that of families in the bottom 20 percent. I can't tell you how many times someone has informed me that we should reduce military spending and redirect the savings to the poor. When this suggestion is made in a public venue, it always garners applause. I've met far fewer people who have suggested we boost aid to the poor by reducing tax breaks that mostly benefit the upper class, even though we spend over twice as much on them as on the military and national defense.

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Anger provides the No. 1 difference between a fist-fight and a boxing bout. Anger is an unwelcome guest in any department of boxing. From the first time a chap draws on gloves as a beginner, he is taught to "keep his temper"-never to "lose his head." When a boxer gives way to anger, he becomes a "natural" fighter who tosses science into the bucket. When that occurs in the amateur or professional ring, the lost-head fighter leaves himself open and becomes an easy target for a sharpshooting opponent. Because an angry fighter usually is a helpless fighter in the ring, many prominent professionals-like Abe Attell and the late Kid McCoy- tried to taunt fiery opponents into losing their heads and "opening up." Anger rarely flares in a boxing match. Different, indeed, is the mental condition governing a fist-fight. In that brand of combat, anger invariably is the fuel propelling one or both contestants. And when an angry, berserk chap is whaling away in a fist-fight, he usually forgets all about rules-if he ever knew any. That brings us to difference No. 2: THE REFEREE ENFORCES THE RULES IN A BOXING MATCH; BUT THERE ARE NO OFFICIALS AT A FIST-FIGHT. Since a fist-fight has no supervision, it can develop into a roughhouse affair in which anything goes. There's no one to prevent low blows, butting, kicking, eye-gouging, biting and strangling. When angry fighters fall into a clinch, there's no one to separate them. Wrestling often ensues. A fellow may be thrown to earth, floor, or pavement. He can be hammered when down, or even be "given the boots"- kicked in the faceunless some humane bystander interferes. And you can't count on bystanders. A third difference is this: A FIST-FIGHT IS NOT PRECEDED BY MATCHMAKING. In boxing, matches are made according to weights and comparative abilities. For example, if you're an amateur or professional lightweight boxer, you'll probably be paired off against a chap of approximately your poundage-one who weighs between 126 and 135 pounds. And you'll generally be matched with a fellow whose ability is rated about on a par with your own, to insure an interesting bout and to prevent injury to either. If you boast only nine professional fights, there's little danger of your being tossed in with a top-flighter or a champion.

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A Navy study revealed a number of things that people with grit do—often unknowingly—that keep them going when things get hard. One of them comes up in the psychological research again and again: “positive self-talk.” Yes, Navy SEALs need to be badass, but one of the keys to that is thinking like The Little Engine That Could. In your head, you say between three hundred and a thousand words every minute to yourself. Those words can be positive (I can do it) or negative (Oh god, I can’t take this anymore). It turns out that when these words are positive, they have a huge effect on your mental toughness, your ability to keep going. Subsequent studies of military personnel back this up. When the Navy started teaching BUD/S applicants to speak to themselves positively, combined with other mental tools, BUD/S passing rates increased nearly ten percent. Getting through BUD/S is a lot of physical hardship, but quitting is mental. What does this have to do with insurance salesmen, you ask? Think about how people usually respond when asked to think about insurance salesmen: “Ugh.” It’s not just SEALs who take a battering; insurance salesmen face constant rejection. While you may think that the key to being a good salesperson is people skills or being extroverted, research shows that salespeople can be hired based on optimism alone. Researchers found that “agents who scored in the top 10 percent [of optimism] sold 88 percent more than the most pessimistic tenth.” It makes sense that optimism keeps us going, but it’s hard to believe that it has such powerful effects.

The highest-risk investments include: Futures Commodities Limited partnerships Collectibles Rental real estate Penny stocks (stocks that cost less than $5 per share) Speculative stocks (such as stock in new companies) Foreign stocks from volatile nations “Junk” (or high-yield corporate) bonds Moderate-risk investments include: Growth stocks (companies that reinvest most of their profits to grow the business) Corporate bonds with lower (but still investment-grade) ratings Mutual funds or exchange-traded funds (ETFs) Real estate investment trusts (REITs) Blue chip stocks Limited-risk investments include: Top-rated investment-grade corporate and municipal bonds The lowest-risk investments include: Treasury bills and bonds FDIC-insured bank CDs (certificates of deposit) Money market funds Practicing

Many in the proudly working-class city of Liverpool were pleased to find that the Swabian’s convictions echoed their own. ‘I wouldn’t call myself very political but I’m on the left, of course. More left than the middle,’ Klopp told taz in 2009. ‘I believe in the welfare state, I don’t mind paying for health insurance. I’m not privately insured, I would never vote for a party because they promised to lower the top tax rate. My political understanding is this: if I’m doing well, I want others to do well, too. If there’s something I’ll never do in my life it’s voting for the right.

Shop with an independent insurance agent. Your old college buddy who works for fill-in-the-blank insurance company? He’s called a “captive agent” because he only can sell you insurance from . . . you guessed it: that insurance company. Instead, work with an independent insurance broker who can get quotes from a variety of top-rated companies to get you the best deal. PS: We have a network of insurance pros that are RamseyTrusted who can find you the best coverage at the best price.

Maybe Sloan would agree to a deal. I’d talk to someone about some of my issues if she would agree to go to grief counseling. It wasn’t me giving in to Josh like she wanted, but Sloan knew how much I hated therapists, and she’d always wanted me to see someone. I was debating how to pitch this to her when I glanced into the living room and saw it—a single purple carnation on my coffee table. I looked around the kitchen like I might suddenly find someone in my house. But Stuntman was calm, plopped under my chair. I went in to investigate and saw that the flower sat on top of a binder with the words “just say okay” written on the outside in Josh’s writing. He’d been here? My heart began to pound. I looked again around the living room like I might see him, but it was just the binder. I sat on the sofa, my hands on my knees, staring at the binder for what felt like ages before I drew the courage to pull the book into my lap. I tucked my hair behind my ear and licked my lips, took a breath, and opened it up. The front page read “SoCal Fertility Specialists.” My breath stilled in my lungs. What? He’d had a consultation with Dr. Mason Montgomery from SoCal Fertility. A certified subspecialist in reproductive endocrinology and infertility with the American Board of Obstetrics and Gynecology. He’d talked to them about in vitro and surrogacy, and he’d had fertility testing done. I put a shaky hand to my mouth, and tears began to blur my eyes. I pored over his test results. Josh was a breeding machine. Strong swimmers and an impressive sperm count. He’d circled this and put a winking smiley face next to it and I snorted. He’d outlined the clinic’s high success rates—higher than the national average—and he had gotten signed personal testimonials from previous patients, women like me who used a surrogate. Letter after letter of encouragement, addressed to me. The next page was a complete breakdown on the cost of in vitro and information on Josh’s health insurance and what it covered. His insurance was good. It covered the first round of IVF at 100 percent. He even had a small business plan. He proposed selling doghouses that he would build. The extra income would raise enough money for the second round of in vitro in about three months. The next section was filled with printouts from the Department of International Adoptions. Notes scrawled in Josh’s handwriting said Brazil just opened up. He broke down the process, timeline, and costs right down to travel expenses and court fees. I flipped past a sleeve full of brochures to a page on getting licensed for foster care. He’d already gone through the background check, and he enclosed a form for me, along with a series of available dates for foster care orientation classes and in-home inspections. Was this what he’d been doing? This must have taken him weeks. My chin quivered. Somehow, seeing it all down on paper, knowing we’d be in it together, it didn’t feel so hopeless. It felt like something that we could do. Something that might actually work. Something possible. The last page had an envelope taped to it. I pried it open with trembling hands, my throat getting tight. I know what the journey will look like, Kristen. I’m ready to take this on. I love you and I can’t wait to tell you the best part…Just say okay. I dropped the letter and put my face into my hands and sobbed like I’d never sobbed in my life. He’d done all this for me. Josh looked infertility dead in the eye, and his choice was still me. He never gave up. All this time, no matter how hard I rejected him or how difficult I made it, he never walked away from me. He just changed strategies. And I knew if this one didn’t work he’d try another. And another. And another. He’d never stop trying until I gave in. And Sloan—she knew. She knew this was here, waiting for me. That’s why she’d made me leave. They’d conspired to do this.

Net wages: “It’s not what you make, but what you net” after paying the FIRE sector, basic utilities and taxes. The usual measure of disposable personal income (DPI) refers to how much employees take home after income-tax withholding (designed in part by Milton Friedman during World War II) and over 15% for FICA (Federal Insurance Contributions Act) to produce a budget surplus for Social Security and health care (half of which are paid by the employer). This forced saving is lent to the U.S. Treasury, enabling it to cut taxes on the higher income brackets. Also deducted from paychecks may be employee withholding for private health insurance and pensions. What is left is by no means freely available for discretionary spending. Wage earners have to pay a monthly financial and real estate “nut” off the top, headed by mortgage debt or rent to the landlord, plus credit card debt, student loans and other bank loans. Electricity, gas and phone bills must be paid, often by automatic bank transfer – and usually cable TV and Internet service as well. If these utility bills are not paid, banks increase the interest rate owed on credit card debt (typically to 29%). Not much is left to spend on goods and services after paying the FIRE sector and basic monopolies, so it is no wonder that markets are shrinking. (See Hudson Bubble Model later in this book.) A similar set of subtrahends occurs with net corporate cash flow (see ebitda). After paying interest and dividends – and using about half their revenue for stock buybacks – not much is left for capital investment in new plant and equipment, research or development to expand production.