Friday, July 20, 2018

lucifer's tool 3 of 3


LUCIFER’S TOOL 3
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Being in debt to prep is like putting a tourniquet on your dingus.  By squeezing the base you increase your girth, which makes your gals hoo-hoo feel tighter even though she was rode hard all through college over at the all Black fraternity.  But if you leave it on too long the poor bastard falls off.  Short term gain, long term pain.  Do you REALY want your dingus to fall off?  No, right.  Not that staying in a corporate job run by females castrating you daily doesn’t eventually have the same effect, so all that extra money is a wee-wee killer also, but we won’t mention that ( although, think about it.  Slurping corporate she-ass.  Is the extra money really worth it?  Why? So you can slurp the wife’s ass, bribing her to stay with you?  I’ve been here.  It isn’t really very manly ).
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Now, I grant you, NOT being in debt isn’t really all that helpful in a standard middle class life.  Rent, mortgage payment, all the same thing really.  Same amount out of your paycheck.  Live in the suburbs, you’ll have a car.  Same amount.  As long as the total credit card debt is low, even the high interest rate isn’t any different than just shopping at the third cheapest store rather than the first.  When a house or car interest payment is around five percent, it is hard to fuss over said cost of debt.  The only thing being out of debt does is gives you options.  That is what you are buying by refusing to be in debt.
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Yes, you sleep better at night.  You have the option of quitting a crappy job.  Those things are psychologically priceless.  They are golden.  They are quality of life.  I don’t doubt that for a second and neither should you.  But just strictly speaking financially, debt just constricts your options.  It isn’t a matter of huge costs, which is why it is so easy to fall into the trap.  Sure, if you had two years wages of personal credit card debt at 20% interest, that would be another matter.  But I’m speaking of the long term low interest loans.  The ones barely above principle payment every month ( who the heck would be silly enough to rack up debt on that high of a rate card, anyway? ).
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Being in debt essentially just traps you in the work and debt cycle perpetually.  That is why it is so bad, not the marginal extra cost from interest.  It takes away almost all options to prepping, especially the best prep of all, jumping off the gerbil wheel.  If you can escape the rat race, prepping is fun and easy.  If you have to scrape together more diminishing wages or scarce credit, it is a lot harder to prep.  And no where near as enjoyable.  Living cheap is easy, as long as you are not trapped in debt or in an expectation of appearances.  Living cheap means you can prep cheap, PLUS prep more and faster.
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I hate to get into a philosophical tirade here.  You start sounding all Hippie-Dippie and readers tune out.  Damn, Jim, what the hump are you babbling about?  Talk about guns with FLIR scopes, dude!  Yet, being out of debt isn’t JUST about options or sleeping better at night.  It is liberating to the degree that you feel free.  And feeling free is a very scarce commodity today.  How can you feel free, regardless of how many silver coins or cases of ammunition you have, if you are beholden to bankers and corporate whores willing to allow you to keep your job? 
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Now, I’m willing to wager most of my loyal minions already know all this.  Yet, knowing and doing are two different things, are they not?  Are you free, or aren’t you?  Mostly free is great, but it still isn’t enough.  Life is not about toys.  It is about living your life as well as you can.  Not enjoying it in a nihilistic way, but in a satisfactory way.  When you die, will they say, “he followed his passion and made a difference”?  Or will they mention you were a good boy and bought too much house for a bitch of a wife and paid off all your debt? 
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Money is a useful tool.  But we all make enough to buy anything we need.  We don’t need debt. It is the pussy’s easy way out.  Damn, dude!  There is a YouTube video for everything.  You could be the world’s clumsiest doofus and still be able to build your own house now.  At 1/20th the cost of just principle alone of a standard banker financed one.  And it will be off-grid independent at no additional cost.  Sure, you can never be grid independent if you still used 4kw of juice a day.  But if you follow the 80/20 rule, you can be power company free for just $1,000 ( I look at off grid “expert” videos of couples needing 5kw of panels JUST for a fridge and freezer and washing machine and laugh my junk off ).
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Also, think of the added benefits of not having any debt.  You are a cocktail party conversation all by yourself!  The envy of all men and the object of lust by all women.  Well, okay, perhaps not the last part.  But still!  I know it was easy to get into debt and rather hard to get out of it, but nothing worthwhile was ever easy.  Do you think writing this good was something I bought ( “12 Easy Steps Bullshitting Your Audience For Fun And Profit” )?  It was free, after many years of blood and sweat.  It is my passion.  I love it.  And I was only able to devote myself to it 100% after I got out of debt.
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After your bare bones prepping supplies are met, I’d recommend to you that getting out of debt is the next most important thing.  No, not if you think it won’t matter.  If you really think the end is nigh now, and supplies are more important than pursuing your lifestyle choice, I can see you giving it a lesser priority.  If the collapse is tomorrow and the bankers last only six months past the PetroDollar crash, debt won’t much matter.  But if you look at eliminating debt as a longer term prepping tool, I would indeed place it at number two priority.  Remember that options part.
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29 comments:

  1. My rule of thumb is never carry more debt than half of what you physically hold in precious metals.

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    1. That is an excellent rule of thumb. Not wanting to give up your PM's will act as a brake on stupid buying. I know a little debt is okay, like financing $2k junk land. It isn't ideal, but it is better than renting or living in your car. So, if you simply MUST get into a little debt, follow the Spud Rule Of Asset Backed Debt.

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  2. The only way credit cards work without getting trapped is to pay the balance off each month. Then the cards become a company store you owe for as long as you own one. Besides, I don't like leaving an electronic trail of stuff I buy, I don't even use store discount cards.
    The same thing applies to payday loans and rent a center purchases, they cater to the monkey see, monkey must have mentality, never mind folks end up paying four times the original cost, just make sure that 60 inch big screen is in the living room by this afternoon.

    I too laugh at some of the "off gridders" I see on YouTube with walls of solar panels that have a control panel that looks like it was stolen from the ISS and requires a college degree to run. Right now I do just dandy with 50 watts, but probably will expand to 150 watts to get me some more computer time and maybe a small TV so I can watch the evening news. Maybe.

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    1. Broadcast TV news is a pathetic and retarded spectacle. I would flip through all the options, pretend conservative to Pravda Commie, for an hour and see absolutely nothing but Human Interest BS. And a lot of commercials. Tons of those. Now, a TV for old movies, I could see that.

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    2. Exactly right, Wrenchr2. That's what my wife, and her impeccable credit, does.

      I don't have any credit or bills.

      Few years ago one of her credit card company's (Citi I think) gave her 3 checks totaling $15k with no fee and no interest for 18 months. She used them to buy a 2006 Equinox for $11k and paid it off in 9 months. She's a winner! Citi turned around and sent her 8 more of them checks. She hasn't used them.

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    3. Ghostsniper, I applaud your wife's restraint and proper use of the "checks". The obvious goal the bank hoped for was someone to take longer to pay and then get hit for 21 % interest. I do wonder how much one has to use a card to qualify for such a deal, but will never know first hand.


      Jim, maybe I would use the TV to watch Big Bang Theory instead. I do like watching the weather even though I do have a pretty good weather eye. I already have a cheap DVD player I watch movies on, lol.

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    4. It's true that most TV today is slop, but it always has been. Is Big Bang any worse than Brady Bunch? The best thing about Blue Bloods is Tom's mustache and the best thing about Fantasy Island was some midget waddling along screeching "da plane". Entering with low expectations helps.

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    5. I always enter with low expectations, hoping to be pleasantly surprised. It is a balancing act, I mostly read, but sometimes like a little noise in the background, and Dave Ramsey grates my nerves even if I do agree with him. Weekends are even worse, to the point I even listen to NPR, which really has gone downhill after Click and Clack is no more

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  3. Yes Jim, keep pounding home the NO DEBT party theme to minions. The flexibility and options afforded to a minion when no debt is present is worth more in value than a stack of f.u.s.a. federal reserve notes. Minions should make efforts to balance their assaults on preps in different areas as well as shaving the debt pubic hairs as well. Food and btn gear, paid forward utility balances and mandatory fees/taxes, cash/silver deep stash,etc. It must be strategic as well as individual tactical decisions with regards to debt/finances. There is not only a "war on for your mind", (good one by Alex Jones) there is a "war on your livabilty".

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    1. Ain't these last 12-15 years been super wonderful? From asswhore but manageable gov to close enough dictatorship ( no country is close to free when you are arrested without charges and held indefinately ), from debt slavery is a choice to cost of living inflation to squeeze out all money to the bankers. Without the decency to pretend to hide the rape.

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  4. I'm afraid your opening allegory kept me from sharing this one.

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    1. Your opening allegory was right on....but I won't read it to the Old Lady! I still like to get some occasionally.

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    2. Ah! Got it, all black fraternity. :)

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    3. Yeah, this blog definitely isn’t for the pink tofu crowd. You’re the sorta dude, that if a publication such as this had existed back in the 19th century, the fine temperance and vice gals (Aka 19th century fun killers) would have banded together and protested to have you shut down for your ideas.

      I’m also gonna go out on a limb and guess that the Christians might have had a bit of a problem with you as well :D

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    4. I’d say it’s even far worse today Jim. The feminists are constantly looking for ways to screw over men, and the worst part about it is that most men are thirsty mangina’s that side with them, and serve as useful idiots in the war against themselves.

      Feminist BBW acceptance, has removed the stigma of being a lard ass, and most females today have stopped trying. I gotta laugh whenever I hear some liberal moron whining about how hollywood pressures females to strive for unrealistic and unhealthy body proportions. Because whenever I go out in public, I never see any Karen Carpenter types walking around. But I see plenty of Rosie O’Dumbbell’s everywhere I go!

      Honestly, oil or not. I don’t see how we even continue to function as a society anymore...

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    5. The fifty year decline has definitely nuked the culture from orbit. Bad culture means you can't fix anything breaking from resource contraction. So, we can't fix anything and the culture just decay's more and everything gets worse and worse. Collapse used to be fun.

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  5. I was looking at photos of the old farm back in Illinois about 1920. I was amazed how nice the barns and house looked. They had enough money to do upkeep back then before the government got in the way with taxes and such. They were farming with horses back then and still had some money. Damn Gov and fed reserve have just killed everything!

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    1. Weeelllll...if you look at most pictures of Nevada it looks like we actually have trees. Selective photographic evidence. Just beware.

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  6. The best part of not having any debt AND no monthly payments is knowing each day that I owe no one anything. After 12 years of being that way it seems normal to me, but I think back to those many years I too was on the hamster wheel that traps many and shudder. I can't believe I was so easily played by all of that nonsense. If people were born 50 years old there's a whole dearth of industries out there that wouldn't even exist and everybody would be that much better off.

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    1. Kind of like. "if I knew grandkids were this much fun I'd have had them first"

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  7. I owe nothing. I have more silver than I could carry. I buy gold every month. I have every tool you could ever need in my shop. Enough guns and ammo to go out in a blaze of glory! But tick tock, wake up everyday one day closer to the end. Sorry, a nihilist moment of despair! :-)

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    1. The more aware you are of the state of the world, and the closer to death, I think nihilism is about the only logical choice. "I wasted my life on WHAT? And it isn't close to enough preparations?" :)

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    2. What else do I need? If the world collapses I don't expect to last long ( I am already 67) so I am going to concentrate on now. You know like a Buddhist. NO anxiety about the future, no regrets about the past, Just NOW!

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    3. RP, Consider it a great win historically speaking to attain 67, have real man tools,precious metal (FU banksters), and firearms.
      You could be stuck in a gated community collecting titanium golf putters, compulsively checking your portfolio of electronic hallucinations, and worrying if those damned Hispanic yard workers broke any of your sprinkler heads.
      Also, you read this blog so you're
      a thinker. Good on ya brother.
      I try to influence my kids and any promising young people by passing on my views/ accumulated wisdom(?). Upon my death, my gear and wealth will be parcelled out to give a boost to the tribe.
      That said, you may last a lot longer than you think. Those with true skills from the era of Uber Abundance will be needed to help rebuild in the era of Decline and Scarcity.

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  8. The freest I ever was (as an adult) was when my lady left me, I looked around & wasn't happy with where I was in life so I sold everything I had & went backpacking for 2 years. I slept on couches, on floors & with whores. What a great time.

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    1. A walkabout with bonus whores-what ain't to like?

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  9. This is a note I wrote in my "journal" yesterday sitting under a beautiful maple watching the birds feed their young when I had a chance to sit down, thinking about my junk land I stay at almost full-time that I purchased 12 years ago, paid off fairly quickly.
    It goes like this:
    "I'm sitting here eating dinner finally after living on peanut butter sandwiches and cereal {when the bears were on a rampage and breaking into my stuff, so I wasn't cooking good meals till I staved them off with a good noisy blast. They seem to be desperate with the drought and their poor rations of unripened berries).
    I'm listening to the battery radio, thinking of new projects and I cant help feeling tremendous joy. I'm making the place livable, functional, creative, nice.
    Its so much a work in progress and I still don't have running water, electricity, cell service, bear proof-ness, but I have done a lot down here. (I do have water catchment, solar panels for charging batteries and tools, starting a heavy duty fence for the bears)
    It ebbs and flows in functionality. Its pretty in some places and a mess in others but I am getting a lot closer and that feels so good. Wow, this place is so cathartic-rustic, primitive, harsh, cold, stifling hot, dry, snowed-in, tick-ridden, mosquito infested, hopeful, exciting, frustrating, satisfying, stressful, peaceful, quiet, a refuge, and ITS ALL MINE!"

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  10. Oh, in reference to the harsh, mosquito-infested beautiful junk land with the big maple trees, did I mention that I have been debt-free since 2016 and living so subsistently that I don't have to even work a PART-TIME job if I don't want to! No other source of income either. Its rough living but exhilarating. I worked too many horrific jobs for decades, too many demeaning bosses, exposing myself to cancer-causing chemical's and possible bodily harm from unkept machines. This rustic living is a walk in the park compared to getting up everyday wanting to drive off a cliff before I punched in. I live for myself now. I work harder than I have worked before but it is MY LABOR FOR ME!!!
    The sense of freedom is amazing. Wont have it any other way now. You wont get it till you unshackle the chain and the weight is lifted. I welcome the challenge of the furry, mischievous bears, laugh at the inch per hour rain, the biting cold. It is MUCH EASIER than living a life you HATE every moment you are alive. I choose frugality with its intense pleasures and pain.

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