THE 7-INGREDIENT FORMULA FOR A “LUCKY” LIFE

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).

“…A lot of Dumb Things.”

no-smoking-films-photo-u1

By Mike Cronin

The latest kerfuffle in the culture wars has put Dirty Harry in the camp of Donald Trump.  In the latest issue of Esquire magazine and in other recent comments, actor Clint Eastwood laments political correctness and the attention given to some of Mr. Trump’s brasher statements.  (He did not officially endorse Trump.)

One need not support Mr. Trump, (or any other candidate) to find political correctness troubling.  The First Amendment to the Constitution charges the government to protect our right to speak freely. This is an intolerable condition to control freaks who just know that their ways and opinions are right and everybody’s lives would be better if we just obeyed them. Political correctness seeks to accomplish by peer pressure and social sanctions what cannot be legally done by government: the limiting of personal expression.

Last week’s post was bout the spotty availability of formal training in logic and critical thinking in America’s educational institutions.   The purposeful omission of such fundamentals from curricula smacks of an elite trying to restrict entry to their ranks.  Now add political correctness to the mix.

According to Merriam-Webster online, political correctness is “conforming to a belief that language and practices which could offend political sensibilities (as in matters of sex or race) should be eliminated.”

Bottom line: giving offense should be eliminated.  We can’t have dissent. Do not speak freely. Protect everyone else’s feeling, but don’t have any non-conforming thoughts of your own.

Don’t look at the value of the dollar.  Don’t examine public education.  Don’t question the dysfunction of maintaining an immigration enforcement enterprise while rewarding illegal immigration. Don’t peer into the doings of your city, county, state, or federal government. Don’t read the Declaration of Independence, the Constitution, or the Bill of Rights. Don’t ask probing questions.

Do not give offense. Don’t see the hypocrisy and irony of being offensive in the name of eliminating offensiveness, being racist in the name of eliminating racism, and churning out myriad petty laws in the name of reducing crime.

Do not think for yourself. Don’t find the insanity in trying to stimulate the economy by taxing real wealth out of it then pumping funny money back in. Don’t be self-reliant; rely on your elected rulers to use the power of government to steal from your more productive friends and neighbors and give some of the loot back to you.

Go with the crowd. Run the machines. Consume. Watch the latest reality show/sitcom/talent contest/news crisis on cable/satellite/internet.  Go find some Poke-mon.