By Mike Cronin

Have you ever noticed that the people who complain the loudest about wealth inequality, or global warming, or racism, or (insert social malady here) always only ever have one solution? To take something away from you. They say you’ve won life’s lottery, so they need you to “give back.” By that, they mean they are going to take your money through taxes. They are usually also trying to take away some of your comfort by banning or restricting something: low-flow shower nozzles, incandescent light bulbs, plastic shopping bags, etc.

They never seem to admit to even the possibility that the single greatest contributing factor to one’s “station” isn’t “luck,” it’s the life choices one makes. They never seem to admit to the possibility that one can improve one’s standard of living over time.

Superstitious people often cite “seven” as a lucky number.  Well, I have a seven-ingredient formula to have a “lucky” life. It doesn’t require anything from anybody to accomplish, only that you are made aware of its existence. The formula is simple to understand, but hard to follow. It’s almost never taught in school:

  1. As early as possible, adopt the attitude that you are responsible for everything you do or fail to do, because once you turn eighteen, that is the way the law sees it, and that’s the way your employer sees it. The people who will allow you to not see things that way, i.e. the people who would encourage you to always play the victim and blame others, are merely trying to get you hooked on a cycle of dependency: your vote for their “assistance” against your purported “victimizers.” It’s a recipe for a life of perpetual resentment.
  2. Graduate from high school. A diploma is better than a GED, which is better than “dropped out.”
  3. Don’t become a single parent. If you cannot or will not abstain, then Males: wrap that rascal. Ladies: pick a birth control method, AND make him wrap his rascal.
  4. “Live on less than you make.” (h/t to Dave Ramsey.) You don’t need to live like you are rich. Fun fact: many, many rich people became rich by not living like they were rich! You don’t need designer clothes, blinged-out or brand-new cars, the latest model cell phone, flat screen, and Blue-Ray, etc. The people who matter don’t give a crap whether you have those things.
    1. Corollary 1: If you think you can afford something because you can “afford” the monthly loan or credit card payments – you can’t afford the thing! (One exception usually applies: a home mortgage). If you are making interest payments on car loans, credit cards, etc., you couldn’t afford those things.
  5. Improve yourself. Never stop learning. Increase your opportunities to advance by increasing your value to the market place – continuously improve your knowledge, skills, and abilities, and/or continuously add new ones to your repertoire. Note that going $100,000 into debt to pay for a degree from a big-name university is not required. Heck, a college degree is not required (though it is highly advisable!). There are ways to get a degree on a budget and stay out of debt. Bottom line: the more you follow item 5, the higher your income will go, and the easier it becomes to follow item 4.
  6. Invest in yourself. “Spend” money on an emergency fund, a retirement plan, and health insurance. Save up to pay cash for big-ticket items. Again: The more you follow items 4 & 5, the easier following item 6 will be.
  7. Don’t become an addict or a criminal. Just don’t.

Not one of the things on the list requires that one have “white privilege,” or that you start out in the 1%, or that you belong (or not belong) to a certain race, or gender, or religion, or that you grow up in a given neighborhood. None of them require a college degree (although that is often helpful!), professional-caliber athletic ability, cover-model good looks, or keen intellect. Most of them do require understanding the concept of delayed gratification: if you practice some discipline now, the reward will be greater later on!

Following the formula is not a guarantee you will have a successful life, nor are you guaranteed to have a crummy life if you don’t follow it…but I estimate that 80% of the people who follow this formula will be better off than 80% or more of the people who don’t.

Some of the things on the list are hard.  I know I only avoided violating number 3 by random chance. Complying with number 4 was touch-and-go for nearly a decade after high school.  But all of the things on the list can be done, and they don’t require anything from anyone besides you (see item number 1).

More Comfortable Lies and Painful Truths

By Mike Cronin

Comfortable Lie: Healthcare is a right. The US is the only developed country without universal healthcare. Obamacare reduced the gap. We must close that gap, but the Republican just tried (and failed) to open it back up.

Painful Truth: We have the right to life, but not the right to live at the expense of someone else. We have no more right to use the coercive power of government to take our neighbors’ money than we do to rob our neighbors in person, regardless of whether the loot is to be used to pay for healthcare.  Universal healthcare has been made to sound wonderful by the people who stand to gain the most power by implementing it; and it has been made to sound ghastly by the people who stand to gain the most by not having it. The fact that the US is the only developed country that does not have universal healthcare is irrelevant. We have been the first, or only, country to do, or not do, many things – one of which is to be the first nation established on the principles of individual liberty and freedom – which require individual responsibility and self-reliance. Reliance on the state leads to stagnation and mediocrity and the erosion of liberty and freedom.

Comfortable Lie: “fake news” and “alternative facts” are a recent phenomenon born of the 2016 election and social media.

Painful Truth: All news is fake; some news is useful.  This has been the case since the days of the town crier and before. Events that make the news involve, and/or are witnessed by, people – some of the least effective or reliable data recording and play-back devices known! (Remember the game called “telephone” from grade school?  Line everyone up and whisper a story into the first kid’s ear, then have him whisper it to the second kid, who whispers it to the third, and so on.  By the time the story gets to the last kid, it’s unrecognizable.) Sometime the “fakeness” of the news is due to misconceptions; sometimes it is deliberate, as mentioned in previous posts.  Sometimes the reason for the deliberate fakery seems not worth the effort, as when, in the days long before Photoshop, Life magazine retouched this shot of the infamous 1970 Kent State incident. Were they worried that somehow the public would assume the girl is screaming because a fence post seemed to be growing out of her head (right) in the original, and not because her friend lay dead in the street?

Or: What return on investment did the publishers of TV Guide gain by grafting Oprah Winfrey’s head onto Ann-Margaret’s body?  Did they think a genuine picture of Oprah would not sell as well at the check-out stand?

Comfortable Lie: The “experts” know when to raise interest rates, “inject liquidity,” or otherwise enact some control over the economy.

Painful Truth: An economy is an incredibly complex interaction between independent agents, the items they wish to buy and sell, and the relative scarcity of those items. “The economy” is impossible for even the most brilliant humans to understand at a level sufficient to make effective control decisions.  Invariably, those that try end up making small problems bigger and big problems into disasters. They also manage to steal from us by devaluing the currency we have left after paying taxes.  Consider: The humble candy bar cost a nickel a century ago, now it costs $1.25. The chocolate didn’t become 25 times more valuable in that time; our dollars have lost 75% or more of their buying power!

Comfortable Lies and Painful Truths


By Mike Cronin

Comfortable lie: The one-percenters have too much money. They should have to pay their fair share of taxes so the rest of us can have more government benefits.

Painful truth(s): 1.The 99-percenters in the developed world (especially in the US) are the one-percenters compared to the rest of the world. If you have food, (even if it wasn’t prepared by a private chef) a car (even if it’s a used beater), a roof (even if it’s a crappy apartment or trailer), multiple changes of clothes (even if you got them second hand), air conditioning, a microwave, and a flat screen TV (or could have those things if you didn’t blow your money on tattoos, booze, drugs, or lotto tickets) then YOU ARE NOT POOR, even if you are living “below the poverty line.” 2. Regardless of how much money a rich person has, it is their money.  If you elect politicians to take money from the rich via taxation, you are no different than a gangster who hires thugs to rob people at gunpoint (unless it can be proved that a given rich person obtained their wealth via theft, exploitation, or other criminal means – and even in such circumstances, the only people who deserve their “fair share” of that wealth are the direct victims, not the rest of us).

Comfortable lie: Your employer owes you a “living wage” and medical benefits.  People who don’t get those things are being exploited.

Painful truth(s): 1. Your employer owes you what you agreed to work for when you signed on and not a dime more.  2. The idea that your employer OWES you medical coverage is fallacious – unless such coverage was part of the compensation you agreed to before you started working there.  The practice of offering medical insurance became popular as a way to increase compensation to deserving employees during World War II without violating the government-imposed wage freezes of the time.  3. You OWE IT TO YOURSELF to increase your knowledge, skills, and abilities in order to increase your worth to your current employer (in order to merit raises and promotions) or to progress up the career ladder at subsequent employment – if you want to increase your income, increase your value.   4. You OWE IT TO YOURSELF not to start, or increase the size of, your family while you are working low-wage/low-benefit jobs. 5. If the pay in your chosen field is generally lower than you might like, it’s probably because there is no shortage of people waiting in line that can take your place. If people with similar skills sets to your own aren’t scarce, there is no need for employers to offer higher compensation. Again – if you want to increase your income, increase your value.

Comfortable lie: We have a right to life, liberty, and happiness. The government must take care of all of our needs from birth to death.

Painful truth: You have the right to life, liberty, and the pursuit of happiness. The government is supposed to protect those rights by not allowing others to interfere with you, so long as you don’t interfere with others.  The government cannot “take care of” everyone without violating those very same rights.  Consider: if the government MUST provide your health care, then it MUST force doctors and other medical professionals to deliver that care. In so doing it has violated the medico’s right to life and liberty and pursuit of happiness (because the government has directed, under threat of penalties, how some portion of the medic’s life is to be spent).

Comfortable lie: We must nurture every kid’s sense of self-esteem by awarding participation trophies, de-emphasizing grades, and eliminating every objectionable word or insensitive influence, etc…

Uncomfortable truths: “If you look like food, you will be eaten.” (Clint Smith) 1. All life is competitive. Predators have to catch prey; prey has to outrun predator. Even plants compete for sunlight.  If you try to protect your kids from competition instead of teaching them how to function in a competitive environment, you are doing them a disservice. (Oh, and by the way, sports are an excellent place to do that…but they are not the only arena!) 2. A kid who has never felt the sting of losing or the “thrill of victory” isn’t going to have healthy self-esteem; he or she is going to have a dysfunctional sense of being entitled to things he or she didn’t earn.

On Critical Thinking


By Mike Cronin

A lot of people talk about critical thinking, but I seldom ever see any explanation of what critical thinking is.  Left to our own devices, we might reasonably assume that critical thinking means being critical.  That is partially right.  Certainly people who practice critical thinking are often critical of others, but that is not the essence of the term.

To me, critical thinking means examining my own thoughts on an issue for errors in logic or reasoning before verbalizing them. It means basing my positions on a foundation of rational thought. It means recognizing bias, especially my own.

I’ve written before about bias.  When you read a news article or watch a news piece, the reporters and networks pretend they have no bias, but that is absurd.  Everyone has a bias – it is inevitable, because even the wisest among us cannot see things from every and all perspectives.  The difference between my blog and some others is that I tell you right up front what my bias is.  I am pro-freedom, pro-capitalism, pro-individualism, and pro-reason.  I am against socialism and any other form of collectivism. My biases are not a result of my upbringing.  If anything, my biases are in opposition to the trends and positions espoused to me in school, church, and to some degree, the military.

Logic is another key ingredient of critical thinking.  Ayn Rand described logic as the art of correct identification.  That sounds simple, but it has deep consequences.  It is easy for a child to recognize a lemon as a lemon, but it might be a bit harder for the child to understand that the lemon can never be anything other a lemon.  It can only do or behave as a lemon.  A person might squeeze it to get the juice, or grate it to get the pith, but a lemon cannot become a bird and fly away.

Wishful thinking and other logical errors are the source of much conflict and dysfunction in the world. An example:  The current brouhaha over gender identity.  We are either born with male anatomy or female anatomy (occasions of true androgyny are exceedingly rare). “Identifying” as the opposite gender from what one’s anatomy dictates (no pun intended) is logically erroneous.  One might align their conflicted desires to reality via surgery and drugs, but until those procedures are complete, one is “male” or “female” according to one’s anatomy.

At the heart of many arguments and conflicts over logic are premises.  There is no shortage of pundits, educators, and other influential people that use well-crafted logical arguments that stem from bad premises.  Take “equality” for example.  We might hear that the difference between conservatives and liberals is that conservatives want people to be treated as equal under the law, while liberals want everyone to have equal outcomes.  The first premise rests on the idea that no one is more valuable as a human being than anyone else.  It creates the conditions whereby a poor person can raise themselves up from poverty on their own hard work and merit. It is essentially correct, but hard to enforce, because the rich and well connected can sometimes buy better legal representation than the poor. The second premise rests on the idea that it’s not fair for one person to have more than another, so wealth must be redistributed.  It gives no attention to the concepts that wealth belongs to whomever created it, or that individuals have any responsibility for their own situation.  It is a bad premise, because it ignores the fact that life is not and cannot be fair, and it ignores all of the evidence of human history:  Humans cannot rise above animalism without individual effort to devise technology or apply the technology to raising the standard of living.

Are you a critical thinker?

The Death of Income Taxes


By  Mike Cronin

Imagine three of your neighbors come to you and tell you that as a group you are all going to vote on raising $10,000 for a playground. You’re don’t have kids, or they are grown and living on their own, so you vote no.  The other three all have kids, so they vote yes…and demand that you pay your “fair” share or they will beat you up.  They also decide that the more money you have, the more you have to pay.  Since you kids have moved out, you have more disposable income than any of them, so your “fair” share turns out to be half of the cost, or $5000, while each of their fair shares turn out to be about 1/6th of the cost, or about $1666 each. The three neighbors enter your house, find your safe, demand you open it, then they take $5000 from you.  They also demand that you assemble paper work that proves you don’t actually owe even more than the $5000, and give it to them by mid-April. You decide that it’s better to pay the $5000 and show proof that you don’t have to pay even more than to get beat up, so you spend several hours digging through your banking documents, and submit your financial “proof” that you paid enough.

The above scenario is a microcosm of how our tax system works today. The majority voted to take the property of the minority and use it to pay for something the minority didn’t ask for and doesn’t need or want. Our current system is confiscatory, that is, your money is confiscated from you. Worse, as your income goes up, so does the percentage the government (i.e. your neighbors) takes from you.

There are few ways you have of influencing the amount that’s taken from you: You can hide money at the risk of getting beat up by your neighbors and having even more money stolen (i.e. income tax evasion); you can make less money so you have to pay less (lowering your income – at the expense of your quality of life); you might find ways to protect some of your money for now in exchange for paying later (like certain retirement plans); and you might try finding different neighbors who will promise (but fail) to steal less of your money (i.e. elect a different set of politicians). Regardless of whatever trick you use to make the taxes a little less painful, you take it for granted that such a parasitical system is a permanent fixture of life.

It wasn’t always like this, and it doesn’t have to stay this way. The modern income tax didn’t become a constant monkey on the backs of Americans until 1913.  Imagine that: from 1776 until 1913, with a few exceptions, our government managed to function without stealing money from us.  It can be that way again.

What if instead of coercing you to pay for a playground (or any other bit of government) you don’t want, your three neighbors find enough like-minded folks to form a corporation, pitch in some seed money to buy or lease land, get the playground built, then they charge a small access fee to use it? No one forces anyone else or intrudes on their financial life. Government involvement is reduced to providing an enforcement tool for the contracts between the playground company and the builders, and providing routine police protection and emergency response. Government stays small, because it isn’t involved in building facilities or providing services that can and should be offered competitively in the private sector.  Your burden is tiny – your sales taxes pay for contract enforcement, emergency response, and the courts.

This method of raising funds for government is called a consumption tax.  You only pay for what you use, and only for how much of it you use. No one steals your money, and you don’t have to prove anything to anyone about your finances.

There have been various proposals for such a system.  The most comprehensive that I’ve seen is called “The Fair Tax.”  You can learn about it here:

The Fair Tax is not perfect, and it has no shortage of critics.  Most of those critics would lose something if the Fair Tax were enacted.  IRS employees would no longer be required. Tax preparation businesses would become obsolete.  If our tax system wasn’t confiscatory and hideously complicated, there would be no reason for that entire industry to exist. Politicians would lose a lot of power under such a scheme. Regardless, the Fair Tax is a system that does not punish productivity or operate via the threat of force, so it is by default better than what we have now!

Random Absurdities, Pt. 2.



By Mike Cronin

It’s OK to kill our (human) enemies, but we dare not name them.  On the other hand, we have no compunction about conducting war against all sorts of things that aren’t enemies: Terrorism is a tactic used by our aforementioned unnamed enemy, but terrorism itself is not an enemy. Drugs are a commodity sold by enemies taking advantage of the risk/reward conditions our drug laws create, but drugs themselves are not an enemy. Poverty is a condition often perpetuated by people who refuse to accept that they are responsible for the choices they make.  Poverty is not an enemy, but the “War on Poverty” often treats the most productive among us as foes.

The “Occupy Wall Street” types who made a stink a few years ago railing against capitalism were often seen wearing name-brand clothing, drinking coffee from famous-brand cafes, and calling and texting each other on smart phones.  How can one accept an anti-capitalist argument from spokes-dudes wading up to their necks in the products, goods, and services created at the hands of some of our most effective capitalists?

Scientifically speaking, anything with a carbon molecule is organic. Virtually all of the food items we eat, with the exception of water, salt, and trace minerals, are organic in the most factual sense possible: they contain carbon atoms and molecules in the structures of carbohydrates and proteins.   The idea that a vegetable or box of cookies or a can of soda might not be legally “organic” when they are factually “organic” is a semantic absurdity fostered by the pipsqueaks of panic.

Ditto for “genetically modified organisms” (GMOs).  Virtually every domesticated food plant and animal produced and consumed today is a result of genetic modification that has been going on since the dawn of agriculture.  Here again, the pipsqueaks are pandering to fear.  It makes no difference to your body if a tomato or grape or a chicken was modified over many generations in the field or one generation in a test tube.  You are going to eat the stuff, draw energy from it, and eliminate it, not blend it into your genetic code. Eating “Franken-food” will not cause you to turn into a shambling mutant!

I am reliably informed that airline pilots for most of the big domestic airlines (American, United, Delta) are paid by the hour, from the time the jet is pushed back from the gate at the departure airport until the door is opened at the arrival airport.  Is it not absurd to incentivize your highest-paid hourly employees to NOT be efficient in an industry with such low profit margins that attention to efficiency is essential for financial success?

The concept of “white privilege” has been instigated as a way to induce guilt in white people for (supposedly) causing, or at least not having to suffer, the woes (real or imagined) of every other demographic. It is a racist concept, and it absurd.  It is racist because it attributes advantage to whites solely on the basis of their skin color.  It ignores the fact that there are many non-white people who attain as many, or more, rewards and advantages in their lives than most whites.  It is absurd when applied to Americans because all of us in the US enjoy far more “privilege” (in the form of better living conditions, more freedom, and more opportunities for some, and sadly, also in the form of government handouts for others) than most people in most countries around the world.  The constant stream of immigrants pouring into this country (legally and illegally) aren’t coming here seeking to be oppressed by the man!

We are supposed to take it for granted that income inequality is a bad thing and accept all kinds of wealth redistribution schemes to help resolve it.  There is never any allowance for the possibility that income inequality might be a direct result of ingenuity inequality or effort inequality. That would mean that people are responsible for their own achievements (or lack thereof).  We can’t have that – it would be absurd!

Taxation without Confiscation


By Mike Cronin

With income taxes dues in a little over a month and presidential hopefuls in the news every day, now might be a good time to consider some changes to our tax code.  I’ve opined in previous posts that it is not greedy to want to keep what you earn, but it is the essence of greed to want what others have earned.  Our current tax and fiscal policy system is fueled by the greed of politicians who promise things they have no right to give, and by the people who want what those politicians are promising. The primary weapon used for the plunder is income tax withholding, i.e. the taking of your money before you ever see it. This is called confiscatory taxation – your taxes are confiscated from you.

There is a movement afoot to take the government’s power to relieve you of your hard-earned money and put it back in to your hands.  The general idea is to replace the confiscatory income tax with a consumption-based tax – which means taxing you on what you buy and consume instead of on what you make. The most notable proposal for a consumption-based tax system is called the Fair Tax.

The philosophical difference between the confiscatory system we have now and a consumption based system is stark.

The confiscatory system requires the government take money from you by force (i.e. the threat of arrest and punishment for not filing/paying).  It encourages politicians to use taxes to fund elements of the government that have no Constitutional right to exist, and worse, to use taxes to change behavior. It places a huge compliance burden on you and businesses. Lastly, and perhaps most egregiously, it fuels envy politics by allowing demagogues to cry for the rich to pay an ever-increasing portion of the tax bill, while allowing nearly half the population to consume an enormous amount of government benefits and entitlements w/o consequence or motivation to change. Worst of all, the harder you work and the more you produce, the more you are taxed. Americans have accepted this for a while, but we are beginning to wake up and see that punishing productivity is insane – if you want more productivity, jobs, and economic growth.  On the other hand, if you want power over millions, a good way to obtain it is to divide and conquer by pitting the masses with low incomes against the few with extraordinary incomes.

A consumption-based taxation system more closely aligns government revenue collection with the morality most of us follow every day.   First, it allows the taxpayer much more control over how much tax he or she will pay, and it puts the government in the role of beneficiary instead of bully.  Second, it more logically aligns with how we pay for almost everything else in life. (E.g. if we don’t buy much jewelry, then we aren’t forced to pay for jewelry).  A person (or business) with large consumption habits is presumably using more government than someone with low consumption habits. Under a consumption-based taxation system, big consumers will pay more for government than the small consumer, and income will no longer be a factor.  In short, people will pay their taxes in direct proportion to how much they consume instead of how much they make.   This will return some of the power Washington stole from us and put back in our hands. Oh, and it will mean no more 1040s and no more IRS!

Sounds eminently fair to me.