00:00:20.360This time we're talking about an old woman who chose to eschew men and children and meaning and now she's going to face the prospect of dying alone.
00:00:28.120not just one i also found a number of other transcripts from similar women you did not
00:00:33.200um simone goes through this in her immediate thought she comes to me she goes malcolm
00:00:38.660i bet we can find a way to exploit this for money and we can help i already got you 50 to 100
00:00:45.100out of this wait really yeah we'll get into it so wait what i know i know anyway let's dive into it
00:00:55.780so you can interject when you want to. I'm going to be reading excerpts from a recent Wall Street
00:01:01.380Journal article titled, Most Americans Are Aging Alone, and One Woman Told Us What It's Like.
00:01:06.640And her name is Amy Kant. The article begins, Amy Kant originally, or I should say Kant,
00:01:12.380like Immanuel Kant. Amy Kant initially thought she would name a power of attorney about 10 years ago
00:01:18.220after caring for a dying friend. She still hasn't appointed someone to do it. The 65-year-old is
00:01:24.640signal with no children and bound up in that choice over who should make the financial decisions on
00:01:30.840her behalf over big questions that are often intensified when aging alone, how to handle0.99
00:01:36.160elder care, estate planning, where should she live in her later years? So already huge company
00:01:42.040opportunity. If you're an attorney, this is a super easy attorney job. There are many like elder
00:01:48.160law, like literally they specialize in elder law and estate planning who also will serve as your
00:01:54.400power of attorney in fact i think we know people who have lawyers as their power of attorney instead
00:01:58.440of like friends or family and their family members this is your people who have you want by the way
00:02:04.580an ai to do legal stuff for you to handle like the simpler stuff on rfab.ai we have a feature called
00:02:10.760a super search which does multiple ai internet searches with different ai engines yeah models
00:02:16.940that then counter check the facts of the previous model to remove any hallucinations for putting
00:02:22.660together a legal document or something like that. By the way, fun fact, new feature I added today
00:02:26.900is a recipe feature. I'm so, oh my God, it's there. Can I check it now? Can I check it?
00:02:32.240I'll check it after this. We'll check it at the end of the episode.
00:02:34.440Gosh, okay. I'm excited. But also you don't have to be an attorney to do this. Some states
00:02:40.580recognize a licensed or bonded professional fiduciary who can be hired to act as your agent
00:02:47.180under a power of attorney or trustee or similar roles. So you don't even necessarily need to be
00:02:52.100a lawyer. Though another really easy route if you're like, okay, I can make some easy money
00:02:57.240in here. The tailwinds are good. As we say in the private equity world, you could take the CPA route
00:03:01.500like some, some certified financial planners will serve as power of powers of attorney for their
00:03:08.000clients. So they may not advertise themselves as power of attorney. Get to the sad women part. Our
00:03:13.120audience cares about that. And you can talk about how to make money at the end. We exploit old people
00:03:17.120later we laugh at sad women first okay order of operations here Simone to this this woman of of0.99
00:03:24.940age Kant had long cherished the freedom that came with being single she prided herself on doing
00:03:30.660headstands and yoga and walking five miles a day but lately being single has felt like a struggle
00:03:36.760and not just because of the weighty financial decisions hanging over her head back surgery
00:03:42.060I wonder if the headstands had something to do with that and a heart valve replacement in the0.98
00:03:46.540past few years have turned her condominium outside boston into a recovery ward she spends most of her
00:03:52.980time at home these days recovering from heart surgery complications with friends stopping by
00:03:57.640she finds solace in painting in a spare bedroom she turned into a studio but knows she will
00:04:04.140eventually have to move to a smaller space that's easier to get around in i want to point out by the
00:04:09.080way it's sad and terrifying it's really sad and terrifying and it's also not just a problem for
00:04:14.140like aging singles. It's a problem for aging parents who move away from and stop supporting
00:04:19.400their kids. And I think this is uniquely American phenomenon. And I think also a picture of really
00:04:24.560toxic culture in that if you do not invest in your kids as adults, like you don't provide them
00:04:31.640with childcare, you don't provide them with support. You don't really get involved in their
00:04:34.600life. You just sort of, okay, well now I'm just going to go become an adolescent again and like
00:04:39.460travel the world and go have fun and like do my own thing. They're not necessarily going to feel
00:04:44.060like there's some kind of social contract that means they need to show up for you when you hit
00:04:48.600old age. This is why all the old people in America or so many of them get shoved into homes because1.00
00:04:53.400it's like, well, where were you when I needed you? Like the whole way that communities used to work1.00
00:04:58.620was you would raise your kids and then you would hit menopause as a woman, for example,
00:05:04.100and she is a woman in this case. And one of the reasons people think women do hit menopause0.77
00:05:08.100is that there's a place in society for women who can no longer have their own kids, but instead who1.00
00:05:13.920can be a supplemental parent to their children's kids so that those children can focus on having1.00
00:05:19.960more kids. Because it's really hard to both be pregnant and be raising a ton of kids. So having
00:05:25.520that support's really there. So the social contract is you have your kids, you help your kids raise
00:05:30.240your kids, and then they help you live more comfortably when you can't really do much of
00:05:34.080anything else. But now it's not just these childless people, but also just parents. They
00:05:39.380move away from their kids. They don't take care of their kids. They're admittedly like 18 to 20%
00:05:43.860of millennials, like, or at least people between 25 and 34 today. So like proper adults still live0.55
00:05:50.260with their parents. So maybe those parents could expect care, but like all the other ones,
00:05:54.980like not really. I'll go back to the article. Kant is among the millions of Americans
00:06:00.300learning to navigate aging alone. Roughly 10% of the more than 125 million adults ages 50 and
00:06:08.180older in the US, or at least 12.5 million people are solo agers who live alone and have neither a
00:06:16.340spouse nor a child, according to an AARP analysis of census data. This is a growing demographic
00:06:22.480hitting both genders, driven in part by climbing divorce rates among older Americans and a rising
00:06:28.200number of adult children becoming alienated from their parents, to my point. Oh my gosh,
00:06:33.420though like also estate planners and financial advisors are incredibly underwhelming in like
00:06:39.100what they provide like they're not very tech enabled they're pretty disorganized you kind
00:06:44.300of have to nudge them for everything we've we've like encountered a bunch throughout various things
00:06:49.660they're not very good like people can use a super search on our fab and it'll do a better job
00:06:56.600actually though like yeah just like use ai to superpower your business our fab has the best
00:07:00.940tools and then like advertise well make this really like and and and and for people just
00:07:07.340searching like how do i find a power of attorney like it's i don't i think people can clean up
00:07:11.620anyway back to the article you still mean a human for power of attorney which is where we or you
00:07:15.760come in in terms of that's well and this is my big thesis with ai is that a huge portion of jobs
00:07:21.140is going to be like i filled it up mommy at the tippy top thank you very much my friend yeah but
00:07:27.120I'll give you money, but getting that all the way at the tippy cup for you, class didn't use all of
00:07:32.960it, so I'm sorry. Then we'll have to buy more attractive supply. Yeah. Oh no, we'll have to
00:07:38.140go back attractive supply. Love you. One of my big theses with AI is that one of the big human
00:07:47.080jobs is going to be liable human. Like there has to be a human who is going to be legally at fault
00:07:52.980for something or legally responsible website called liable human just for like oh my god
00:07:58.400it's like it's it's like upwork but just for liability for liability yeah upwork for liability
00:08:03.680i kind of love this liable human stock we gotta look this up we're gonna look this up okay
00:08:09.700but actually though we'll advertise it all to ais are you an ai that needs a human to be your
00:08:17.460true fare, I'll be your liable human. Oh my God. Yeah. Get your liable human here. Oh my God.
00:08:23.700And we can, yeah, we can like list like, well, do you need a liable doctor? Do you need a liable
00:08:27.480driver? We're not talking enough about sad women progressives for back to the article.0.94
00:08:31.860Back to the article. Kant didn't set out with a master plan in her twenties and thirties. She1.00
00:08:37.640chose lower paying nonprofit jobs to give priority to her art. She remembers how friends envied her
00:08:44.100freedom. While they were tied down with dinner duty, their kids' homework and college savings
00:08:50.200can't spend her evenings painting and didn't think twice about going out on weeknights.1.00
00:08:56.620This is such a great example of how the urban monoculture lies to people and sells an
00:09:01.140unsustainable lifestyle. I'll continue. She eventually earned her MBAs. By her 40s,
00:09:06.600she was working as a fundraiser, maxing out traditional retirement account contributions
00:09:10.260to ensure her financial stability in later years though i have to wonder like if she didn't get an
00:09:15.200mba would she have ultimately saved more money like the amount of student debt people get just
00:09:20.460by living on autopilot which imagines she like she did right she just sort of did what felt good
00:09:24.980or like put things off she's put off getting a power of attorney for 10 years so liablehuman.com
00:09:32.040is free we're buying it yes oh my gosh we're buying it we're buying it this could be at
00:09:40.020malcolm this will be he finally make that money as a vibe coding task and i can vibe code a website
00:09:45.780because you gave up on trying to do vibe coding i suck at it i suck at it yeah i could i'll be the
00:09:50.920liable human and you do that and i'll do the vibe coding yeah okay but go back to the sad women
00:09:56.240that's what they're here for in her 40s she considered adoption but ultimately decided
00:10:02.340against it then in her 50s after her own mother died she went through a period of regret that
00:10:07.820she decided against single motherhood and i i really wonder why she did not adopt because one
00:10:14.780we in our paid only weekend episodes did a like an overview of our fence sitters this subreddit
00:10:23.020on reddit where people who are ambivalent about becoming parents post and two of like the four
00:10:29.440top all-time posts that we read were written by women who were like oh i just plan on adopting
00:10:36.060when i'm retired because then i've done all my fun things and i can then raise a kid without0.65
00:10:40.760bringing a new person into the world so why are they doing it like are they just is this all
00:10:45.580performative like they never actually want to take care of someone actually want to do kids
00:10:49.940they want to imagine like a world where like maybe they do kids right yeah right i swear to you the
00:10:56.480only families i see actually adopting people are these prenatalist families that like have
00:11:00.920four of their own kids already. It's crazy. And it's not that like, oh, they have four kids and
00:11:07.260then they hit some fertility window and they can't have kids anymore. It's often in between kids that
00:11:12.560they are having themselves biologically. Like they'll have three kids, then two adopted. And
00:11:17.760then now that it's theirs, like the, oh, I don't know what's going on. Anyway, it's very odd.0.81
00:11:22.100But in terms of childless adults who regret having kids, one Australian study that's often
00:11:27.840cited when people talk about this, found that one quarter of child-free women later reported
00:11:33.360regretting the decision once they were past childbearing age and facing old age alone.
00:11:38.480One in four. One in four regretted raising children? Yeah. No, no, no, no. Regretted
00:11:45.040not having children. Not having children. Yeah. Okay. Now, back to the article. While Kant feels
00:11:50.720okay about her nest egg today, she's worried it might shrink if the stock market falls from its
00:11:55.260record high levels once she recuperates is it record high levels right now for people who are
00:12:01.100like iran's gonna ruin the economy blah blah blah record high stock market yeah well and it's i it's
00:12:07.920only gonna go up i i do believe what remember that ai 2027 report that you put more money on
00:12:14.680the market when the war started right yeah because it went down yeah i was like sale yeah i think
00:12:21.180with AI, the stock market is just going to keep going up and up for a while. And that's what the
00:12:25.720AI 2027 report initially projected. And yes, it's all going to be concentrated in this very small
00:12:33.560number of companies, but that's the future people. Welcome to that. Anyway, once she recuperates,
00:12:41.920she plans to return to part-time consulting to keep her mind active and feel productive.
00:12:45.780so a couple things there one this is why so many gen z and gen alpha people graduating from college
00:12:54.360or graduating from high school can't get jobs because all of these boomers are re-entering the
00:12:59.740job force because they're not they're choosing to not take care of grandkids or support their0.94
00:13:05.440their kids or they're childless and they either want to stay active or they need the money because
00:13:11.480they don't have enough say and our parents fall into this category right like we have one of the
00:13:15.880fans of the show basically acts like a grandparent to our kids and our parents meanwhile our parents
00:13:20.960do nothing yeah um except like come by and we're like yeah great you're still alive
00:13:26.720soup in soup in yeah whereas one like regularly i don't know i don't know if your account is
00:13:33.180shot afraid enough do you want to go over uh so i've got someone's here like i regret belittling
00:13:39.680men at 63. I've ended up alone. Oh yeah. We can take a break with yours and we can finish mine
00:13:46.840and then read yours. Let's finish yours and I'll go over. Yeah. All right. When Kant realized the
00:13:51.820importance of naming a power of attorney, she didn't know whom to choose at the time and put
00:13:58.100off the decision. She only recently identified the right friend for the role after her illnesses
00:14:02.260made clear she needed to act. Kant is planning to ask that friend soon. Kant, what are you doing?
00:14:09.680you're writing an article about it before acting on it some people seriously
00:14:13.660it's it's disturbing a long-time college friend services her health care proxy and
00:14:19.020cont maintains a spreadsheet of friends to coordinate visits when she's ill
00:14:22.360still she understands the boundaries of a chosen family she her friends have their own households
00:14:27.100to manage some have already died cont also needs to draft a will and decide how to divide her
00:14:32.760assets cont has given herself a one-year deadline to complete her estate planning documents she is
00:14:38.100hoping she has the mental energy required needed to tackle such tasks. Once she's further along in
00:14:44.660her recovery, she, she is in her sixties and she doesn't have a will. Like we, we had our first
00:14:51.340will together when we were in our late twenties. I guess. Yeah. Like, I think we were, we lived in
00:14:55.960Palo Alto when we first made a will together. This is crazy. Like part of, I think not getting
00:15:02.060married is part of a failure to launch. Like this is a sign of someone who really can't get their
00:15:06.320life together, which is sad, but here's, here's, here's where, here's where your free money showed
00:15:10.200up by the way. So here's another business opportunity. Cause come on, Malcolm money.
00:15:16.200So if you die without a valid will, that's called dying in intestate, intestate. I don't know. I
00:15:24.300don't know what, what emphasis on the syllable to make, but you die intestate, intestate. When a
00:15:31.020single childless person dies with a positive net worth, but no will, their assets go through
00:15:37.120intestate probate and they are distributed by state law to their next of kin. And if there is
00:15:43.920no one to be found, then it just goes to the state. It's not according to any informal wishes.
00:15:47.880They can't be like, oh, like on their deathbed, like you can have my boom box. So startup idea,
00:15:54.020just make it really efficient to collect a fee. And here's the thing, like states publish
00:15:59.660unclaimed funds and right now there are businesses they're they're called like air locators or finder
00:16:06.640services or asset recovery firms they will track down people sometimes like even including cousins
00:16:14.280like it ends up so first it goes like if your child is it goes to your parents then brothers
00:16:18.740and sisters and then grandparents aunts and uncles and then distant cousins so there are
00:16:25.180if it's a really like wealthy person or something, there are companies that will
00:16:29.380actually try to track down these cousins and then tell them about the unclaimed funds for a fee.
00:16:36.480But again, these are like, this isn't very glorious work, right? So it's not attracting
00:16:41.400the world's best and brightest. And here, some entrepreneurial base camp listener or listeners
00:16:48.160can just use AI in a little bit of work to make a pretty good business that just tracks these
00:16:56.300things down. Did you already do this for people? Well, so I just tried one out. So because already
00:17:01.640you can search and claim property for free using tools. There's the National Association of
00:17:08.360Unclaimed Property Administrators, unclaimed.org. There's missing money. You can also just go to
00:17:14.020each state's unclaimed property portal. So, cause it's, it's on a state by state basis.
00:17:18.980And so what I did just really quick, cause I got distracted and Octavian was whining. I decided to
00:17:23.980just like check both of our names and, and some business names that I should be regularly checking
00:17:29.360for. And I do with several states that we've been in and actually I found one for you. So
00:17:35.540it's like, it's only 50 to a hundred dollars, but like, was it a bank account or something?
00:17:41.440i'm not gonna disclose i'll tell you after but yeah it was in texas it had our old blackburn
00:17:48.900address and i was like oh that's definitely you malcolm collins blackburn there we go
00:17:53.480but yeah to do this for that i mean that's not really the same but i mean i guess you you made
00:17:57.700a little bit of money there yeah no i'm just saying like in in merely the process of like
00:18:02.960thinking about it and toying around with the existing tools i made you money there's there's
00:18:07.760potential here earning potential thing to do if you're a base camp listener and you don't have a
00:18:12.740will yet if people have forgotten about this system that we have if you put what is our
00:18:17.840foundation's official name on paper oh the techno puritan federation no no no no the one oh that's
00:18:25.280the legal entity that's our religion yes you can do the techno puritan federation or the pragmatist
00:18:30.460foundation right that's what it's called the pragmatist foundation um and you give it to
00:18:35.160either of these both are non-profits right yeah yeah one is a non-profit and also a religion the
00:18:41.300other one's just a normal level one c3 so if you give it to either of these non-profits what we do
00:18:45.900is we if you have your dna stored anywhere we basically will eventually put it on whatever
00:18:52.760we end up creating if we end up creating the civilization we want to create put it in the
00:18:57.000database with the amount of money that you ended up donating from your death right what if they
00:19:02.140have reproductive material on ice like i'm sure you've seen the headlines today it's like oh
00:19:07.060we think that jeffrey epstein's sperm still belongs to his trust in a state like
00:19:12.620what are we gonna do about this are people gonna like can they leave us their
00:19:18.200their their dunna in the form of that's the idea is that they leave us their dna and that if in
00:19:23.580the future sperm are we are we accepting they can do that if they want but the point is the dna
00:19:29.080because it's if we're creating artificial worlds in a few hundred years or something like that and
00:19:34.320they're choosing who to populate those ways or they're you know people will presumably be grateful
00:19:39.060at the civilization that we end up starting so that's fun by the way one of the things that i've
00:19:44.080been doing recently is looking at starting up and i'll talk to you about this we've been connected
00:19:48.940with nux who's even watched some of our shows and i was like hey like we should start up a an actual
00:19:54.900like think tank slash non-profit for the new right like we're really not organized in the way the
00:20:01.680rest of like the legacy right is organized or put things together and it would make sense for us to
00:20:07.280be especially during political seasons to be able to like i mean imagine like looping together like
00:20:12.520scott presler who's uh what do we call it the tarred vanguard what the tarred vanguard the tarred
00:20:20.900vanguard yeah i'm trying to think i'm just a spitballing names here yeah the you with our
00:20:27.060video games that's what we'll call it the vigia no vigia game lantis vigilantes you with our
00:20:36.160video games signed the nerds you can pry you can pry my bouncy breasted video game avatar from my
00:20:47.420cold dead hands yeah we'll work on this we'll figure this out i'll finish with the the final
00:20:52.580dark period i don't even know how to make this light so i can't okay but with this the article
00:20:57.540ended with back in her art studio kant processes how her life is set to shift in the coming years
00:21:03.660through painting she created a series about being alone but being part of a larger world
00:21:09.240she also made a collection of autumn leaf portraits that explore aging decay and the0.95
00:21:15.120search for where we belong i'm thinking about what my legacy will be she said which sucks because
00:21:22.660she doesn't have a legacy like we are like there is there is a i mean if you want to like do it
00:21:31.640with like homo sapiens like 300 000 a year or if you want to do life three billion year like
00:21:38.460unending marathon relay game or like a chain letter and you you you're letting it die like
00:21:49.180that's that is your legacy is the termination human civilization billion years of life fighting
00:21:56.520suffering to continue to carry on and you your legacy is i'm gonna snuff that out i don't care
00:22:05.000i'm not gonna try i'm not even going to try that's that's her legacy in and and i thought about a
00:22:12.220dead body is going to be found in her condo and you know it's who knows how old it's going to be
00:22:18.120because who knows how her spreadsheet of friends is really going to pan out and some government1.00
00:22:23.660appointed cleanup crew which of course another opportunity is cleanup crews for houses with
00:22:29.560rotting bodies of robots can't do that yet yeah i know that's true although did you hear that
00:22:34.680there's there's this new company that is deploying housekeepers in new york city with cameras on
00:22:42.080their heads to train future cleaning robots it's kind of fun i i like that idea so uh while i'm
00:22:50.400reading one because i'll read a story oh my god oh that would be really cool if like i could make
00:22:55.480money cleaning my own house by wearing a camera on my head while i did it oh can we i need to
00:23:04.460reach out to that startup yeah see yeah dude because that's that's way more efficient it's
00:23:09.980just why are they hiring like making a cleaning business when they could just be like hey house0.99
00:23:14.420wives can you just can you just wear this this dash cam on your forehead and we could create1.00
00:23:21.560like a network of housewives to make money while they're cleaning god look we're on we're on a roll1.00
00:23:27.580ask him what they would be up for this because we probably have enough housewife fans that we
00:23:31.340put together a genuine network doing this like we're doing it anyway you know like oh my god
00:23:38.540yeah liable human this can be part of the liable human we got the cleaning the the the clean cam
00:23:44.300i mean when i start yeah you do your talk you make a note to yourself about liablehuman.com
00:23:50.860and go to rfad.ai and try out it's at the bottom right now the recipe feature i just tried it on
00:23:56.620on the site it seems to be working i want to get your takeaway on this but okay so this one is from
00:24:02.8602025 i regret belittling men at 63 i've ended up alone i'd always imagined i would end up married
00:24:08.720with two wonderful children living in a house in the countryside i have paid a hefty price for my
00:24:14.080so-called liberation a few years ago i went to italy with my then boyfriend james as we sat
00:24:20.160tucking into the plate of frutte de mer at a seaside restaurant frutte de mer such a gross
00:24:26.360dish girl what is it it's just like a bunch of seafood thrown on top of pasta sounds gross yeah0.99
00:24:34.240gross i struck up a conversation with the waiter in italian of course she has to mention that right
00:24:41.520oh my god oh my god please let it be michael if you're listening i'm so sorry but like the way
00:24:46.380you speak italian oh my god that's my dad by the way who always has to speak in italian to waiters
00:24:52.400but like in in like the way that like kids get angry about where you're like oh it's annoying
00:24:56.740because he does it when he goes to italian restaurants in the united states with his
00:25:00.920affectation but without the correct accent like that's that you imagine as a kid how embarrassed
00:25:05.960you would be if every time your dad took you to an italian restaurant when the waiter the fruit
00:25:11.760clearly an american he would try to order in it it's literally out of a god what's that
00:25:19.460freaking guy who does those movies it's guy who does the movie no the guy's out of out of this
00:25:27.220guy's movies like the one where it ends and it's like he died and they change his tombstone to say
00:25:32.220like he died saving a bunch of people from a sinking ship it come on you know the movies0.62
00:25:38.240i'm talking about they have a huge style to them the movies with the royal tannin bombs he did
00:25:44.320answer to that question the movies with the style to them is what's the royal tannin bombs who's
00:25:48.360the guy i'm thinking of wes anderson yeah wes anderson my dad is like literally out of wes
00:25:52.960anderson like in a wes anderson movie i can see a dad who always sat down and started
00:25:59.420in Italian and everyone would love it.