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Independently Poor: A Twist on FU Money – a.k.a. “FU, Money”

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Re: Independently Poor: A Twist on FU Money – a.k.a. “FU, Money”

#151
post #130

Earlier quoted context omitted.

"take advantage of the rise in unemployment by trying to lock in highly skilled workers at a low salary" >> By 'take advantage' do you mean offering jobs to people who might be interested in accepting them? >> By 'lock in' do you mean employing people until whenever those people feel like moving on to something else? If so, those are strange definitions. Doesn't sound like anybody is being forced into anything. "offe…

I can't know what the poster was thinking obviously ... but what I took the comment to mean was, within the context of the actual article, they were happy that they now have FU money .. and absolutely can say "no". Then the comment was them imparting a personal story framed by what they assume the employer's thought process was. And how they were happy to be privileged enough to have reached FU Money. The fact that y…

Yes, you perfectly explained what I was trying to say. With enough distance and financial safety, it is easy to be rational and reject such an offer. But I can understand how people might become irrational and accept such an offer, despite it being objectively not too good.

Re: Independently Poor: A Twist on FU Money – a.k.a. “FU, Money”

#152
post #106

Earlier quoted context omitted.

First-class men were about twice as likely to survive as third-class men, and first-class women were about twice as likely to survive as third-class women.

For those that are interested, here are the survival rates, broken down by men/women/children in first/second/third-class/crew: https://www.anesi.com/titanic.htm

Which proves my assertion: Third-class women were more likely to survive than first-class men. Thanks.

Re: Independently Poor: A Twist on FU Money – a.k.a. “FU, Money”

#153
post #94

Earlier quoted context omitted.

If a job is the only thing holding your diet, habits, and exercise in place what will happen when you retire?

Great question, this is why many men die shortly after retirement (in the first year even!)

I've heard this before but I don't trust it. Is it just a statistical measure? If so I think it's way more likely they're retiring because they're ill.

Re: Independently Poor: A Twist on FU Money – a.k.a. “FU, Money”

#154

Earlier quoted context omitted.

> There were two big problems. One is that you feel disconnected from society. This is hard to explain but being outside of normal social structures you lose a sense of context and meaning to your actions. Second is that when you don't have any social or financial pressures it's hard to avoid the path of least resistance. It's very easy to fall into bad habits, just watching youtube, reading reddit, bad diet, etc. Th…

it’s true it indicates a failure of imagination, but i wouldn’t be so quick to make a personal indictment. i, too, have been financially independent for the past year. past employer IPO. modest take. for the past couple months, i’ve struggled with the same issue described by the OP. for me, it’s a challenge of community. i spent so long living the silicon valley engineer lifestyle, along with others on that same trac…

The decisions I've made in my life which I've looked back on the most positively were ones that were far outside my comfort zone, and I'm not going to pretend I did that on my own courage. In every case it's been because someone gave me a kick in the pants. Call it a "personal indictment" if you wish, but the intentions aren't to hurt the person, it's to motivate them.

Re: Independently Poor: A Twist on FU Money – a.k.a. “FU, Money”

#155
post #24

Coming at it from a different perspective, I did something similar to this by saving money on a US salary and then moving to a low cost of living country. I spent years at a time not working or even thinking about how to make money. I think almost everyone has felt the pain of financial and social obligation, but very few people have experience a total lack of such obligations for years at a time which leads to thing…

> Coming at it from a different perspective, I did something similar to this by saving money on a US salary and then moving to a low cost of living country. I spent years at a time not working or even thinking about how to make money. I think almost everyone has felt the pain of financial and social obligation, but very few people have experience a total lack of such obligations for years at a time which leads to things like fantasizing about FU money.

While I haven't fantasized much about that, I'd say the past half decade has been very similar to what you describe.

> I can tell you that for me personally I don't think it was ideal. Yes, at first the freedom is exhilarating, but it doesn't last forever. There were two big problems. One is that you feel disconnected from society. This is hard to explain but being outside of normal social structures you lose a sense of context and meaning to your actions.

Thanks a ton for putting that into words and making me feel less isolated about having similar feelings! In my interactions with family and friends, I often felt guilty somehow about not sharing their day-to-day concerns. I was relatively frugal generally, but I'd just buy whatever I wanted. Going to a supermarket with them was frustrating and somewhat embarrassing, because they'd hunt for the cheap stuff. Or sometimes they'd 'indulge' and their indulgence was something that just wouldn't register for me as anything noteworthy if I'd be shopping by myself.

We'd talk about future prospects (a number of them working in the 'service industry') and I would hide the fact that for me these issues were not on my mind at all. Not because I'm rich by any means, but because I get messages and calls from recruiters on a weekly basis, and could potentially make more in three months than they would in a year.

> Second is that when you don't have any social or financial pressures it's hard to avoid the path of least resistance. It's very easy to fall into bad habits, just watching youtube, reading reddit, bad diet, etc.

My 'saving grace', I suppose, has been a constant desire to keep learning and an anxiety-driven need to 'stay up to date in my field'. But I definitely lost a lot of my 'fire' and self-improvement and goal-setting once I was good enough to just get work without even looking for it.

> I would assess myself as someone who would be less susceptible to these problems. I consider myself a fairly self-motivated person and definitely an introvert. But after several years it starts to weigh on you.

Same here. I've had an unusual life and had an unusual amount of freedom to be an auto-didact and develop skills that will probably allow me to be 'okay' no matter what (barring life's usual curve-balls). As much as I don't want to complain about that luxury, there's a weird feeling of isolation that results from it. A sort of "what's the point when nobody around me shares my (privileged?) concerns?" as well as a sense of "I feel I have an obligation to use this unique privilege for good but I don't know how". In my case, anyways.

> Today I work in an office. There are often times when it's hard and I have to deal with things I don't want to. But I still think it's better than when I wasn't working. I think if I never had the experience of not working I would probably only see the downsides of office life as the upside is quite abstract and hard for me to articulate. I don't think this is something unique to me, I think it's human nature to want social structure and this naturally comes with social obligations. But for most people not being constrained to social structures was never an option anyway so they underestimate how much it affects their happiness.

Not putting your choice down at all; it's often entered my mind, I can't help but feel like somehow that would be a kind of defeat. Sure, lots of it is probably good, but maybe there's a creative way to get all that without the downsides? Is that maybe the challenge to face?

Again, no judgment. I've never been less happy than I've been since I reached my situation of 'freedom' and the guilt over not feeling really happy and content about it. I have often considered just getting a 'regular' job again.

Re: Independently Poor: A Twist on FU Money – a.k.a. “FU, Money”

#156
post #24

Coming at it from a different perspective, I did something similar to this by saving money on a US salary and then moving to a low cost of living country. I spent years at a time not working or even thinking about how to make money. I think almost everyone has felt the pain of financial and social obligation, but very few people have experience a total lack of such obligations for years at a time which leads to thing…

> There were two big problems. One is that you feel disconnected from society. This is hard to explain but being outside of normal social structures you lose a sense of context and meaning to your actions. Second is that when you don't have any social or financial pressures it's hard to avoid the path of least resistance. It's very easy to fall into bad habits, just watching youtube, reading reddit, bad diet, etc. Th…

>> There were two big problems. One is that you feel disconnected from society. This is hard to explain but being outside of normal social structures you lose a sense of context and meaning to your actions. Second is that when you don't have any social or financial pressures it's hard to avoid the path of least resistance. It's very easy to fall into bad habits, just watching youtube, reading reddit, bad diet, etc. This strikes me as an extraordinary failure of imagination. There are other communities that have nothing to do with money, and other activities that have nothing to do with work, or sitting at home on the internet.

> I'm living in my van currently and once I finish pay off my debts, I'll have few expenses. I spend my time rock climbing and volunteering, and both these have communities around them that I'm deeply connected with. My goals these days are around rock climbing, guitar, and helping underprivileged people in my community gain more agency over their lives. I'm in better shape and eat better than most of my friends who work more than I do.

> Sure, doing nothing isn't very enjoyable. So maybe when you quit your job, don't do nothing.

If you're up for it, I'd very much like to hear more about the concrete steps you took to get where you are. Or some blog posts (haven't checked the link on your profile yet, so maybe they're already there?).

But what I can say is that your suggestion is just really fucking difficult to put into practice. For me, at least. While I've got a bunch of issues going on that legitimately do make all of this difficult, a more general problem is that I've found it so much easier to go and live in a van than I've found it to shed the behaviors that have defined me for almost a decade. There's progress: I'm at least noticing how much of what I do day to day just doesn't make sense anymore, but actually changing my behavior as a result of these observations has proven much more difficult than I expected.

Re: Independently Poor: A Twist on FU Money – a.k.a. “FU, Money”

#157

Earlier quoted context omitted.

it’s true it indicates a failure of imagination, but i wouldn’t be so quick to make a personal indictment. i, too, have been financially independent for the past year. past employer IPO. modest take. for the past couple months, i’ve struggled with the same issue described by the OP. for me, it’s a challenge of community. i spent so long living the silicon valley engineer lifestyle, along with others on that same trac…

The decisions I've made in my life which I've looked back on the most positively were ones that were far outside my comfort zone, and I'm not going to pretend I did that on my own courage. In every case it's been because someone gave me a kick in the pants. Call it a "personal indictment" if you wish, but the intentions aren't to hurt the person, it's to motivate them.

See my other comment, but I'd love to hear actionable steps to take to make these decisions with 'outside courage'!

Re: Independently Poor: A Twist on FU Money – a.k.a. “FU, Money”

#158
post #156

Earlier quoted context omitted.

> There were two big problems. One is that you feel disconnected from society. This is hard to explain but being outside of normal social structures you lose a sense of context and meaning to your actions. Second is that when you don't have any social or financial pressures it's hard to avoid the path of least resistance. It's very easy to fall into bad habits, just watching youtube, reading reddit, bad diet, etc. Th…

>> There were two big problems. One is that you feel disconnected from society. This is hard to explain but being outside of normal social structures you lose a sense of context and meaning to your actions. Second is that when you don't have any social or financial pressures it's hard to avoid the path of least resistance. It's very easy to fall into bad habits, just watching youtube, reading reddit, bad diet, etc. T…

Yeah, I apologize if I came across as saying this is easy: it's definitely not easy. I'd also be interested in hearing ways in which you've been successful in changing your lifestyle.

Getting into rock climbing has been huge for me. It's given me long-term goals, a community, fitness, and challenges to overcome that I care about.

I've also done a good job of removing addictions from my life. I don't have a Facebook account, and largely haven't gotten involved in most social media. In a sense, my biggest failure is that I'm here: detaching myself from social media has proven to be the biggest challenge in removing wastes of time from my life. There's some payoff here, but compared to the time I put into it, it's not a net gain.

I've also invested a lot of time in developing fewer, but deeper relationships. My friends now are people who show up for me and I show up for them and we're honest with each other (brutally so, in some cases). This is why a lot of my posts on HN get downvoted; I've come to believe that attempts to soften negative feedback just cause it to not be heard--it's kinder to be a bit harsh than to understate problems.

Volunteering has been a big thing for me, although I'm less involved right now (focusing on adjusting to some big life changes I've made). Helping other people has given me a big sense of community and purpose.

Re: Independently Poor: A Twist on FU Money – a.k.a. “FU, Money”

#159
post #156

Earlier quoted context omitted.

>> There were two big problems. One is that you feel disconnected from society. This is hard to explain but being outside of normal social structures you lose a sense of context and meaning to your actions. Second is that when you don't have any social or financial pressures it's hard to avoid the path of least resistance. It's very easy to fall into bad habits, just watching youtube, reading reddit, bad diet, etc. T…

Yeah, I apologize if I came across as saying this is easy: it's definitely not easy. I'd also be interested in hearing ways in which you've been successful in changing your lifestyle. Getting into rock climbing has been huge for me. It's given me long-term goals, a community, fitness, and challenges to overcome that I care about. I've also done a good job of removing addictions from my life. I don't have a Facebook a…

> Yeah, I apologize if I came across as saying this is easy: it's definitely not easy. I'd also be interested in hearing ways in which you've been successful in changing your lifestyle.

So far it's been really difficult. I don't want to excuse it by arguing that my (high-functioning) autism and OCD/anxiety issues make it really difficult to make changes in general, but they do play a role.

That said, your experience sounds solid to me and I've actually been really interested in rock climbing specifically. Any way I could ask you for advice/input outside of this public forum? If yes, you can find my email in my profile.

EDIT: I'll add that it's the volunteering part that makes me want to talk more. My late teens up until my mid-twenties were defined by various forms of volunteering, and I seriously considered becoming a 'professional' volunteer (priest/monk). so it's close to my heart but far away from my current-day practice.

EDIT2: for the benefit of anyone reading along, zen, mindfulness, and taking all my problems less seriously and focusing on fundamentals (diet, exercise, friendships) have had the most positive impact by far! Therapy too, for the stuff that all the previous stuff can't fix (and crucially, not giving up after the first therapist who only made my situation worse. finding a therapist you 'click' with is, as far as current knowledge is concerned, the best predictor of effective therapy)!

Re: Independently Poor: A Twist on FU Money – a.k.a. “FU, Money”

#160
post #133
post #127

Earlier quoted context omitted.

Speaking of fact vs fiction in _Titanic_, https://www.econlib.org/the-anticapitalist-mentality/ the other week happened to mention: "'On 14 April 1912, Benjamin Guggenheim, Solomon’s younger brother, found himself on board the Titanic, and, as the ship started sinking, he was one of those who helped women and children onto the lifeboats, withstanding the frenzy, and at times the brutality, of other male passengers. T…

I don't know if you read the comments to that link, but one of them links to a deleted scene where Guggenheim gets fairly sympathetic treatment: https://www.youtube.com/watch?v=QUrJ_Huk5so I guess the scene was deleted because 195 minutes of Titanic is plenty.

Only the part about the dog is cut. The "dressed in our best" scene is in the theatrical version.
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