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brin-bellway:

thejochiang:

deductioneers:

Goals: amass fuckyou money

Forever reblog the mother goddess

(status: I acknowledge that this is psychological damage from an extended period of financial hardship during formative years, but I nonetheless mostly endorse it)

Hmm. I seem to be having a bunch of thoughts and feelings about this.

There seems to be a…maybe “divide” is too strong a word, I don’t know. But…like, I called it “fuck-you money vs fuck-me money” in a post a while back. Even when the actions are the same, there’s this psychological difference in how people can approach it.

When I see FIRE people, they always frame it in terms of *freedom*. (It’s right there in the acronym: Financially *Independent*, Retiring Early.) But to me, it strikes me as being a thing about *safety*. “Enough money that you can run your household solely off the interest from your investments” can protect you from a lot of different problems, and *that’s* why the idea appeals to me.

A few weeks ago I saw some distant acquaintance-of-an-acquaintance on Tumblr (I don’t recall who) advising a young person with a high-paying job and relatively low expenses (Silicon Valley programmer, I think, or something like that) to go on some trips and enjoy themself, because they weren’t going to have this much disposable income again until their forties if not later. And it felt like a very weird framing to me, because…the way I see it, if future-me doesn’t have money to spare, then neither do I. I don’t have spare money unless I can afford to feed myself, and I can’t truly afford to feed myself unless I can afford to feed *all* of my selves.

16-year-old me got to eat because 7-year-old me’s dad put away some “”extra””, and eventually that “”extra”” was all he had left. Where is 33-year-old me getting *her* food from?

Because if the source isn’t me, then I don’t trust it to come through for her. I want to do all I can to make sure that, no matter who is or is not willing to employ her or for how much, 33-year-old me (and 44-year-old me, and 55-year-old me…) is fed and housed and so forth.

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(This was going to be a tag ramble, but then I thought it should probably stay with the post if somebody reblogs it to respond or something. I’m just going to leave it in tag format.)

#this post probably partly inspired by my first anniversary of non-freelance employment   #which is coming up soon   #I think I will celebrate by scheduling the dental checkup I have been putting off for ~3 years because I didn’t feel I could afford it   #(yes government healthcare does not cover dental)   #(OHIP has some very weird-looking exceptions)   #(this is probably the result of some kind of complicated political negotiation that I’m not sure I want to know the details of)   #anyway a dental checkup seems like a good compromise between celebratory and practical   #(and [practical celebrations are easier to enjoy]/[I find myself drawn to practical gifts these days anyway including gifts I buy for myself])   #((that safety thing manifests here especially))   #((the things I dream of buying these days are always things that protect you from something))   #((checkups that protect you from tooth damage and electric cars that protect you from rising oil prices and solar-powered phone chargers that protect you from power outages))   #((this I am much less sure I endorse))   #((I mean I think it is good to want practical things but it would also probably be good if I felt safe enough to want a few non-practical things too))   #(((sometimes on especially bad brain days I can’t even bring myself to play Flight Rising)))   #(((that is currently the most common cause of my FR hiatuses)))   #(((it used to be the most common cause was that I felt like playing some other game instead)))

#I will put this in the tags though: #I was reading my Tumblr archive recently and *damn* 2014!me was having a hard time #she didn’t talk about it much in public but occasionally she couldn’t quite hold it in anymore and it leaked out into a post #I felt very sorry for her #basically what I’m saying is #hi 2022!me #I hope you’re in a good enough position that you can feel sorry for me rather than going ”yeah I still know that feel” #(but if so please do still provide for farther-future!us) #(just with a healthier frame of mind) #(maybe buy solar chargers *and* video games)

Hi, 2018!me.

I won’t lie to you: I do still know that feel. Things haven’t really changed much for us financially: still a slow bleeding kept at bay by unpredictable one-time cash infusions, still with a-home-in-good-repair being a cherished but distant dream. Still taking some gigs at $1.30/hour, though only the especially easy ones now. We graduated last year, and the diploma’s been *exactly* as much of a waste of time and resources as we feared it would be, though I have not quite lost hope altogether. I have made only $309 in deposits to my retirement fund, in the time since I was you.

Financially, we still don’t have the stability and security that we long for.

*Non*-financially, though, our position has improved. We’ve made new friends, and even mostly managed to keep the old, and (in addition to the non-practicality-related aspects) they’ve taught us (and we them) many useful things. I’m in better shape now: not *great* shape, but on a good day I can run for half an hour straight (almost two miles!), and even on moderately bad days I can do twenty minutes. I still work at the restaurant, but I’m allowed to mask at work now (I know, right, we thought that would *never* happen, didn’t even dare hope for it), and we were–by, admittedly, a terrifyingly narrow margin–not fucked over by the travesty that set the precedent that workplaces allow employees to mask.

(If this were two-way communication, I’d have opened with advice on getting higher-grade and more durable masks while they’re still easy to come by, so that the margin won’t be so terrifyingly narrow. But it isn’t, and I will have to content myself with knowing that it worked out for us in the end.)

(It didn’t work out, for a lot of people. A lot of people, in a lot of ways, are worse off now than they were in 2018. I do not live in as flourishing a world as we would hope.

But we, personally, were fortunate in this regard: we rose through the cracks of the problems that hit everyone, and that actually ended up counteracting a lot of the problems that were specific to us. It’s where most of the one-time cash infusions came from; it’s why I haven’t been sick–not *really* sick, not anything bad enough to make me wish I were unconscious–in over three and a half of the four years that separate us.)

((common-cold-induced depression isn’t normal, BTW. you know that weird non-depressive cold we had in December of 2017? yeah, that’s just what colds are like for normal people. sure does explain a lot about why people are Like That.))

Anyway. Our safety hasn’t improved as much as we were hoping, but it *has* improved. We’ve been through storms, but we’ve weathered them. (I even successfully handled not having a functioning toilet for five days! I’d prepared a contingency plan for that, and it paid off!)

The Ontarian government has announced plans to start covering dental care in a couple of years (a long enough delay that I’ve decided it’s still worth paying for a checkup this year, though I may skip next year). Our parents’ pensions will start trickling in next year, with the bigger ones starting in 2025. I still have a couple more ideas for how to break into an accounting career, and I still have the option of changing tacks and making a living in an unrelated field.

In the time since I was you, I have bought both a solar panel and a video game.

One way or another, we’ll get through this.

Remember, I love you.

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Tags:

#reply via reblog #oh look an update #adventures in human capitalism #adventures in University Land #in which Brin has a job #101 Uses for Infrastructureless Computers #covid19 #illness tw #this probably deserves some other warning tag but I am not sure what #venting cw? #bragging cw? #kind of both