Leo D.M.J. Aurini - A Question of Lifestyle [Requested Video]

00:00:00.000 .

00:00:27.800 Hey, folks. So this requested video comes from Mina, and it's a question of lifestyle, of how the hell are we supposed to win in a game with broken incentive structures?

00:00:44.960 It's the sort of question that normally you'd want to pose to Aaron Clary, and I said as much to Mina.

00:00:51.660 Yeah. Not only has that man made better financial decisions in his life than I have, he's worked as an investment specialist for a good portion of his life.

00:01:04.040 So if you want career advice, he's really the guy to go to.

00:01:07.540 But Mina clarified and said that I'm asking more from the philosophical, the strategic type of perspective. 0.59

00:01:17.600 And so I'm going to do the best damn job I can with this question.

00:01:21.660 And the question is really, I think it's one that all of us are asking ourselves, because we get sent down rabbit trails. 0.94

00:01:30.460 We get told to do the wrong bloody things, you know, like, oh, go, go get a line of credit so you can buy a leather sofa, for example.

00:01:39.880 Go get a useless degree. Here's some free money to do it. You name it.

00:01:43.800 So the real question, I think, is what the hell are we supposed to be doing with ourselves?

00:01:49.880 You know, especially in the system being as messed up as it is, what the hell ought we to be doing with ourselves, with our lives?

00:01:57.100 And so with that in mind, I'm going to break this video down into three portions.

00:02:04.480 Number one, I'm going to examine the hidden assumptions in the question itself, because if you can understand what your assumptions are, where your question's coming from,

00:02:16.040 that tells you a lot about the question, that tells you a lot about what your answer is going to be.

00:02:19.700 Number two, I want to go over some basic rules of thumb, some pieces of advice that I wish that I had followed a little bit more stringently.

00:02:30.540 And number three, we'll be addressing the one part of the question where he says, what are good milestones for where we should be in our lives at certain ages?

00:02:42.040 What should our goals be in the strategic sense, rather than the particular unique sense for you, the individual?

00:02:51.780 So with that said, I'm going to start by reading the question, because it's a great question, and I think it sums up where, well, just about where all of us are trying to figure out what the hell we're doing with ourselves.

00:03:03.700 So here's the question.

00:03:04.980 To what extent do you encourage chasing the money insofar as it provides financial independence?

00:03:15.680 In our consumerist, hedonistic culture, is that even more reason to pursue financial independence in order to get out of the rat race altogether?

00:03:23.700 Or is it a standalone goal that one should have regardless of his station or current life trajectory?

00:03:29.340 Well, a seemingly random question I ask because, as you and others have noted over the years, institutions in general, and employers in particular, have become, and perhaps are becoming even more,

00:03:41.260 anti-male to the extent that a man can lose his paycheck overnight to something silly that wouldn't matter to any reasonable person. 0.96

00:03:49.260 Isn't this even more reason to build oneself up as soon as possible to get the fuck out?

00:03:53.280 Going even further, isn't being financially independent a way to protect, to the extent possible, one's free speech? 0.84

00:04:01.100 Touching on Roosh's keen insights, too many are silenced or even self-censored out of fear of backlash or losing their jobs.

00:04:08.280 And when push comes to shove, they lack the resources to protect their interests and speak the truth.

00:04:14.440 There are, these are all probably leading questions, I ultimately believe that you agree,

00:04:19.000 so I was wondering more specifically what recommendations you have.

00:04:22.520 If you had to stipulate, what arbitrary milestones would you establish for certain age brackets?

00:04:27.780 Like if you're 25 and just finally got out of debt, that's good, but so on and so forth.

00:04:34.600 In answering these questions, how would you touch on certain subtopics such as active versus passive investing,

00:04:40.440 home ownership versus renting, lifestyle inflation, among others?

00:04:46.100 Finally, what metric, if any, can one use to say,

00:04:49.480 okay, I've won, I can quit playing this game now?

00:04:52.520 In short, what do you, as a man living in 2017, do to build and protect your financial interests?

00:05:05.760 So it's a broad question, as you can see, which is why I want to start off by examining the hidden assumptions in that question.

00:05:15.340 So, the first one I want to touch on is free speech in the workplace.

00:05:26.160 Now, you're probably thinking of Brendan, it was Brendan Eich, right?

00:05:32.020 The guy behind Mozilla, he's currently doing Brave, the web browser.

00:05:36.060 And he lost his position, despite an extensive career, because it was exposed that he supported gay marriage.

00:05:46.720 You know, he donated $1,000 to the Prop 69, or whatever the heck it was.

00:05:52.860 See, I think this is the wrong sort of question.

00:06:01.760 What happened to him was fluke of nature.

00:06:06.940 It was random chance.

00:06:09.140 It was the whims of fortune.

00:06:11.300 Okay, he was not mouthing off publicly about that.

00:06:14.200 He got along with everybody.

00:06:15.200 It was a bunch of nasty people decided to target him and try and get him to lose his job because of some unconnected...

00:06:22.580 Like, the whole SJW phenomenon had nothing to do with him.

00:06:26.200 He just donated $1,000.

00:06:27.700 That was it.

00:06:29.120 And he came into the crosshairs.

00:06:34.180 So for you, for all of you, for all of us, that's the wrong question to be asking.

00:06:40.320 There will be outrageous slings and stones from the whims of fortune.

00:06:46.860 You can't control fortune.

00:06:48.220 You don't really know what the future is going to hold in store for you.

00:06:52.560 And if you become a convenient scapegoat for some political cause, well, you couldn't see that coming.

00:07:01.620 Now, the free speech thing.

00:07:03.000 You are of a particular nature.

00:07:13.040 And that nature is going to be suited to a particular industry. 0.99

00:07:22.260 And if you are a mouthy son of a bitch like I am, then corporate jobs really aren't a good fit for you. 0.99

00:07:31.140 However, other jobs are. 1.00

00:07:33.000 You know, certainly I've enjoyed working in warehouses, which isn't exactly, you know, your dream job working in a warehouse. 0.98

00:07:40.880 But in a warehouse, nobody gives a shit what your opinions are. 0.99

00:07:44.720 They give a shit whether you can do the job. 0.99

00:07:47.180 And I really appreciate that environment. 0.99

00:07:51.540 Similarly, military is going to be a little bit more...

00:07:54.000 Well, it depends on what level.

00:07:55.500 Some of it's going to be more political.

00:07:56.900 Some of it's going to be more practical.

00:08:00.900 It's not really a question of freedom of speech.

00:08:03.000 Because any job you're going to get, you're going to need to get along with your co-workers.

00:08:10.420 And mouthing off about politics is not going to help your relationships with your co-workers.

00:08:18.020 The problem, I think, that you're getting at there, the real issue is that if you are dependent upon your employer for employment,

00:08:40.760 then you'd better do whatever the hell they tell you to do and better agree with everything that they say.

00:08:47.400 So what we're really talking about is not so much freedom of speech, it's about being able to write your own ticket.

00:08:55.500 And there's a lot of ways you can do that.

00:08:59.960 If you are a professional engineer, you know, a professional engineer with experience, you can write your own ticket.

00:09:06.220 If you're an electrician, you can write your own ticket.

00:09:08.800 Or a welder.

00:09:10.500 Or a programmer.

00:09:11.920 Because Brendan...

00:09:14.620 Was it Eichmann or...

00:09:15.820 I think it's Eichmann.

00:09:17.560 Again, you know, he got fired from Mozilla.

00:09:22.320 And what did he do? 0.99

00:09:23.300 He went and started off his own damn company. 0.99

00:09:24.880 And more and more, I think, that anybody that's even remotely independently minded 0.99

00:09:35.200 is going to want to pursue that route of being able to write your own ticket.

00:09:42.800 You are ultimately...

00:09:44.780 Like, on the one hand, this economy is moving more and more towards corporate takeover of absolutely everything.

00:09:51.980 You know, even convenience stores now are all 7-Elevens, for crying out loud.

00:09:56.780 You know, versus the professionals that really know what they're doing

00:10:02.820 and do it wherever the hell they want to do it.

00:10:05.600 You don't see these people.

00:10:07.020 They don't have logos all over the place.

00:10:08.760 They don't have billboards.

00:10:12.640 Because they're out doing what they want to do.

00:10:16.200 And if they're looking for a welder...

00:10:17.960 They're looking for a welder up in the oil patch, and you know how to weld.

00:10:21.220 They don't care what your political opinions are,

00:10:24.580 so long as you don't start fistfights with co-workers.

00:10:31.660 So I think that more and more, those of us that are independently minded,

00:10:35.680 those that like to think for ourselves...

00:10:37.640 There's no longer a middle ground.

00:10:39.980 Okay?

00:10:40.240 There used to be, like, huge megacorp,

00:10:42.340 and the smaller companies where, as long as you were polite, it was okay,

00:10:45.520 and then the crazy entrepreneurs that would, you know, run their own businesses.

00:10:50.780 And either everything goes or only what they say goes.

00:10:54.160 It's all conglomerated into the big megacorp.

00:10:57.300 And so the trick really is to find the way that you can write your own ticket,

00:11:03.920 that you can be job-independent, corporation-independent.

00:11:08.700 You might work for the corporation, but you're not going to do it for too long.

00:11:12.560 You're going to go work for another one.

00:11:14.680 And it's the quality of your work that sells you as a person.

00:11:18.680 So that's number one.

00:11:23.280 Number two, are workplaces becoming anti-male?

00:11:30.280 Now, yes and no.

00:11:31.480 And I'm being nitpicky targeting this one.

00:11:36.100 But let's keep in mind that the workplaces are just equally anti-female. 1.00

00:11:41.280 Let's not play it into some big victim scheme.

00:11:44.860 What they want, they want obedient employees that don't ask questions, 0.99

00:11:48.680 and just go along to get along and do whatever idiotic thing that they can get away with. 0.99

00:11:53.540 And they want women because women, especially women that are massively in debt, 1.00

00:11:59.040 that have been provided, you know, with fancy outfits and free lunches from the corporate boyfriend.

00:12:05.160 And, you know, women that have a, you know, Tinder account. 1.00

00:12:08.480 So they've got a sideline on male attention. 0.99

00:12:13.280 They make very slavish employees.

00:12:18.680 But you can't exactly say that the corporations are pro-woman.

00:12:22.060 They're anti-human, is what they are.

00:12:23.820 They're anti-masculine.

00:12:24.840 They're anti-feminine.

00:12:26.360 They want effeminacy out of both sexes. 1.00

00:12:29.460 Effeminate men and effeminate women who are pretending to be men. 0.98

00:12:33.720 And instead of being actual good quality women. 1.00

00:12:36.740 It's the Mean Girls Club writ large.

00:12:46.360 Where only the lowest quality women dominate and the lowest quality men who act like low-quality women.

00:12:54.220 So keep that in mind.

00:12:55.780 This is opposed to everybody, the system that we're developing right now.

00:13:00.420 It's a system of ego and pretense and shallowness and venality.

00:13:06.040 You name it.

00:13:06.960 You know, pull out the thesaurus.

00:13:09.980 It's just an ugly, ugly system that we have that promotes the worst of human characteristics.

00:13:19.020 Or in theory for profit, except it's not even doing a very good job of that.

00:13:22.680 Now is it?

00:13:23.060 Okay, now here are the big critiques to your question.

00:13:32.140 Financial independence and quitting the game.

00:13:38.840 What is financial independence?

00:13:43.280 Seriously.

00:13:47.900 I mean, my folks are retired, but they do not have a traditional retirement.

00:13:53.060 All of their money is tied up in ongoing projects that they are currently working on.

00:14:00.920 That require work, that require ongoing investment.

00:14:04.940 And do seem to be paying off.

00:14:07.500 I'm not privy to all the details, obviously.

00:14:09.480 But what is financial independence?

00:14:13.540 Because I think this is a pipe dream.

00:14:15.720 This is the dream of the lottery.

00:14:16.920 Okay, the idea is, oh, if I just won the lottery, then all of my problems would be solved.

00:14:26.440 Except that is very seldom the case.

00:14:29.840 Generally speaking, when somebody wins the lottery, two years later, they are broke and they are now alienated from all their friends and family.

00:14:38.020 And if you look at people that collect trust funds, collecting a trust fund is one of the hardest things to do.

00:14:49.580 Thankfully, most of the people that get trust funds have been groomed into it.

00:14:54.260 And you probably don't know who they are.

00:14:56.600 Yeah, they're rich New Yorker social...

00:14:58.620 Well, actually, you do, because you're from New York.

00:15:02.280 But they're rich New Yorker socialites who devote their time to training classical music, to reading, to writing, to doing something to contribute.

00:15:14.780 Because otherwise, they would just go on a coke binge.

00:15:22.040 Financial independence ain't all it's cracked up to be.

00:15:24.320 In fact, trying to figure out something to do with yourself when you're financially independent is the hardest goddamn thing in the world, especially if you're not trained for it.

00:15:35.780 And most people just fall into absolute depravity and nihilism whenever they do so.

00:15:45.420 It sounds like a wonderful dream, especially when you're struggling with your bills.

00:15:49.560 And hell, I feel the same dream, too.

00:15:53.080 Oh, if I could only win the lottery.

00:15:55.200 Buy a $2 scratch ticket, why not? 0.77

00:15:59.320 But if that actually happened, it would make you absolutely miserable.

00:16:06.440 You need something to do with yourself. 0.55

00:16:10.140 You need something to do all day.

00:16:12.020 You need a game to play.

00:16:13.940 You don't want to get out of the game.

00:16:15.720 You want to be playing the game on your own terms.

00:16:23.080 And see, if your aim is financial independence, you're going to be looking at the wrong things.

00:16:32.520 You're going to be looking at, okay, how do I get my mortgage paid off as quickly as I can?

00:16:36.040 How do I get da-da-da-da-da-da-da-da?

00:16:37.760 And, all right, next thing you know, you have no student loans.

00:16:43.820 Your mortgage is paid off.

00:16:45.100 You have 10 years of food expenses saved up in the bank.

00:16:49.220 And now you're staying in a house in a city you don't like.

00:16:53.200 And you've spent 10 years not hanging out with people that you like, but working your ass off.

00:16:59.300 And you've got a bunch of food paid for, but, like, what the hell are you doing with yourself?

00:17:05.700 And actually, to quote Aaron Clary again, I think one of the things he's pointed out is,

00:17:10.380 you know, he, in his opinion, he worked too hard.

00:17:12.880 He worked too hard to stay out of debt.

00:17:14.840 When he should have been partying a little bit more.

00:17:17.780 What you are seeking out is an interesting and fun way to live your life.

00:17:29.180 And part of that interesting part, the part of the fun, is what you're doing to make money.

00:17:41.680 And so if you spend 10, 15 years of your life just trying to become financially independent,

00:17:46.880 okay, now you have a whole bunch of money and no friends or no life and no purpose anymore.

00:17:52.200 Like, you slaved away doing a job you really, really hate it.

00:17:57.640 And, okay, you're financially independent.

00:17:59.400 You quit the job.

00:18:00.080 You're never going to do the job again.

00:18:04.080 Now what?

00:18:08.280 Now, keep in mind, that's the extreme example right there.

00:18:11.500 That's a ridiculously extreme example.

00:18:13.540 Because, generally speaking, what you are going to make money at is, yes, it's tedious.

00:18:19.260 Yes, like any actual work in real life.

00:18:22.740 You know, unlike video games, real work is going to have the tedious component to it.

00:18:28.860 But the tediousness, the todiety, is part of what makes it interesting.

00:18:34.800 And so whatever you wind up doing to make money, you are going to have something about it that you like.

00:18:44.880 You know, maybe you start off as a day trader.

00:18:46.840 That's what you do to make money.

00:18:49.340 And you don't really like doing that.

00:18:50.940 It's a very high-stress environment.

00:18:53.180 It's very...

00:18:54.580 My uncle does that.

00:18:56.360 It's absolutely crazy.

00:18:57.800 He's not a day trader, but he does currencies.

00:18:59.940 Absolutely insane.

00:19:00.880 So maybe you do that for 5, 10 years. 0.99

00:19:06.000 And then you're like, okay, now I've got all my shit sorted out.

00:19:11.200 You move on to something that's related, that's informed by it, but not quite the same thing.

00:19:17.780 So don't try and get out of the game.

00:19:24.020 Don't try and become financially independent.

00:19:27.200 What you want to do is find a life that gives you value.

00:19:33.480 If you like working on cars, then, I don't know, buy a classic car that you absolutely love and maintain it.

00:19:44.020 Buy a whole garage full of them and maintain all of them.

00:19:49.580 If you don't like working on cars, find a job where you can afford newer cars or you can afford a mechanic to fix them.

00:19:56.500 You're not looking for an end goal.

00:20:03.080 You know, like some people...

00:20:05.020 It's been said that a lot of brides out there, they're always thinking about their wedding and not the marriage.

00:20:10.560 Don't think about, oh, now I've achieved financial independence.

00:20:14.420 Then what?

00:20:15.840 No, no.

00:20:16.200 Think about what do you want out of life?

00:20:19.780 How do you want to add value?

00:20:22.040 How do you want to spend your days?

00:20:23.960 And, you know, chilling on the beach with margaritas is fun for a week.

00:20:30.480 By the second week, you start to get sick of it.

00:20:32.520 By the third week, you're ready to off yourself.

00:20:35.380 You need to be doing something every day.

00:20:37.760 You need to figure out what that is and make sure it's something that conforms to the sort of life that you want to be living.

00:20:47.220 So that's my breakdown of the question itself.

00:20:52.040 The false premises.

00:20:53.960 Hidden in there.

00:20:56.200 Next.

00:20:57.700 Oh, and so, yeah.

00:20:58.640 When do you quit the game?

00:20:59.520 You never quit the game.

00:21:00.900 You quit the game when you're dead.

00:21:04.440 Next.

00:21:04.960 All right.

00:21:06.160 Three pieces of advice.

00:21:11.060 That I wish I'd listened to a little bit more.

00:21:12.980 Number one, and this is the biggest one, is figure out the money and everything else falls into place.

00:21:29.860 Money does not make you happy, but poverty makes you miserable.

00:21:33.700 Always, always, especially when you're young, focus on the bottom line.

00:21:43.320 Okay?

00:21:43.800 Don't risk everything on a huge gamble.

00:21:47.820 Make sure you've got the bottom line taken care of.

00:21:51.200 Make sure that you've got the basic finances taken care of.

00:21:55.820 You know, make sure that you can afford to go out to the bar on Friday night or go rock climbing somewhere.

00:22:01.600 You know, that you're not, your buddy invites you to go rock climbing and you're driving there terrified that your car's going to break down.

00:22:09.240 So that'll be a $500 repair job and you won't be able to show up to work on Monday.

00:22:14.120 No, no.

00:22:14.520 Sort out the money.

00:22:16.160 Nail down the basics. 1.00

00:22:18.320 Keep your ass covered. 1.00

00:22:19.840 That's number one. 1.00

00:22:23.480 And once you've done that, well, at that point, you can figure the rest out.

00:22:30.960 Just make sure you keep the difference between necessary expenses and optional expenses.

00:22:40.380 Because, you know, you mentioned lifestyle inflation.

00:22:43.440 This is what happens.

00:22:45.000 You know, people have the car nailed down. 0.99

00:22:46.820 And instead of just driving the damn car, they go and buy a BMW. 0.98

00:22:52.340 You know, or instead of going, you know, having a car nailed down going out on Friday nights. 0.99

00:22:55.880 Oh, they're going out on Friday nights and doing two grand worth of blow. 1.00

00:22:59.880 Or something stupid like that. 0.98

00:23:02.340 And so suddenly they can't differentiate between the stuff I need to do and the stuff I want to do. 0.99

00:23:08.160 They start treating the stuff they want to do like the stuff they need to do.

00:23:11.540 Oh, well, I need to go spend two grand on blow because that's what all my friends are doing.

00:23:16.820 Keep those two separate.

00:23:24.500 You know what?

00:23:25.180 Two grand for a car, that's something you've got to pay.

00:23:28.320 Like, you've got to pay it.

00:23:29.880 If you don't, you're catching the bus.

00:23:34.280 Two grand for blow because your friends are doing it?

00:23:36.340 Well, do you really need to do that?

00:23:38.700 Or can you take a week off?

00:23:41.740 Keep those two things in perspective. 0.97

00:23:43.240 The necessary shit that you need to be on top of and the stuff that it's optional. 0.98

00:23:53.240 Next is dexterity beats strength nine times out of ten. 0.98

00:23:58.960 If you invest ten years of your life, becoming the absolute world expert at whatever it might be,

00:24:16.820 how many industries is that applicable across?

00:24:20.400 Now, if you're the world expert at marketing, okay, you know, you can find a job anywhere.

00:24:30.820 But if you're the, for example, the world expert at the history of the Roman matron between 80 and 100 AD,

00:24:38.800 that's a very unique field of specialization.

00:24:46.320 Similarly, if you sign up for the corporation and you slave away becoming an expert on their proprietary corporate software,

00:24:57.180 and then ten years later the corporation goes out of business, or they just decide they don't like you,

00:25:03.640 now you're in a bad state.

00:25:08.800 Yeah, I mentioned this when I was discussing civilization,

00:25:15.240 is you need competence in multiple categories.

00:25:19.740 You need to know a little bit of sales.

00:25:21.860 You need to know a little bit of engineering, a little bit of auto repair,

00:25:25.280 a little bit of computer repair, computer software management.

00:25:29.780 You need to know a little bit about everything.

00:25:32.800 You need basic competence across multiple fields.

00:25:35.800 And pick one field to be an expert in.

00:25:44.860 Don't sacrifice the rest of them so you can be an expert in one.

00:25:50.720 You know, most of the guys that you see living in million-dollar houses,

00:25:55.000 most of them, they might have excellence in one field. 0.70

00:26:03.660 Okay, but they're useless at everything else.

00:26:05.880 They pay a mechanic to fix their car, they pay a plumber to fix their house, you name it. 0.67

00:26:11.840 They are only good at that one narrow field.

00:26:14.400 They have no generalist capacity whatsoever.

00:26:23.660 And those people have a very high turnover rate.

00:26:27.760 Because when they go broke, they go hard broke.

00:26:32.240 Whereas if you have generalized competence at many things,

00:26:38.680 it all synergizes, it all complements one another.

00:26:43.300 So, be good at many things.

00:26:45.380 Don't focus on one thing to the exclusion of all others.

00:26:50.040 Unless if, again, if you're that rare Mozart,

00:26:53.940 that rare mathematical genius,

00:26:56.620 that you can actually justify it.

00:26:57.880 And keep in mind, for every one of those guys that succeeds,

00:27:02.500 you have, you know, 99 more

00:27:04.380 that have an IQ of 180

00:27:06.860 and wind up being a bouncer for a living.

00:27:11.400 And ultimately,

00:27:13.020 really the biggest thing,

00:27:14.680 last piece of advice is

00:27:15.740 figure out where you fit into the world.

00:27:23.940 Don't pursue the wrong dreams.

00:27:25.320 Don't pursue financial independence

00:27:28.780 for the sake of financial independence.

00:27:31.300 Don't pursue Hollywood

00:27:34.380 for the sake of being popular.

00:27:38.580 Figure out where you fit into the world.

00:27:45.060 Like I said earlier,

00:27:46.040 if you're really mouthy and opinionated,

00:27:49.360 then, you know,

00:27:50.800 a corporation is definitely a bad place for you.

00:27:52.860 Maybe you should be on YouTube.

00:27:55.320 But figure out where that is.

00:27:58.540 Figure out where you feel good.

00:28:01.620 Where you work with people

00:28:03.640 of a similar disposition.

00:28:09.360 Figure out where that is.

00:28:11.360 Because that right there

00:28:12.500 is way more important

00:28:14.180 than achieving some sort of

00:28:17.760 social status signalling.

00:28:20.440 like the skin you're in.

00:28:29.780 Figure out what you like,

00:28:31.360 what you're good at,

00:28:32.060 what you can contribute to,

00:28:33.360 where you can be around people you like.

00:28:35.960 Go

00:28:36.420 after that.

00:28:41.340 So when it comes to the

00:28:42.760 again,

00:28:44.940 whims of fortune.

00:28:45.720 If you pursue the impossible,

00:28:51.520 you might achieve it.

00:28:53.200 Or you might,

00:28:54.900 you know,

00:28:55.300 be another,

00:28:56.140 your wings might melt off

00:28:57.580 and you'll fall into the ocean.

00:29:02.640 So do you want to do that

00:29:03.820 or do you want to be a glider?

00:29:05.160 Do you want to

00:29:06.120 live life

00:29:08.780 and really experience life

00:29:10.660 and enjoy life?

00:29:11.720 Or do you want to achieve

00:29:13.380 somebody else's

00:29:14.760 definition

00:29:16.220 of greatness? 1.00

00:29:21.040 Pursue your own damn definition. 1.00

00:29:24.780 And so, 1.00

00:29:25.820 to finish off,

00:29:27.100 some benchmarks

00:29:27.900 of where you should be

00:29:29.820 in life.

00:29:33.440 By the age of 25,

00:29:35.600 you should be

00:29:37.480 competent.

00:29:38.400 you should be

00:29:39.980 on top 1.00

00:29:40.740 of your shit. 1.00

00:29:42.200 You should have 1.00

00:29:42.540 all your shit together 1.00

00:29:43.820 in one place. 1.00

00:29:45.020 You can put it all

00:29:45.740 into a bag.

00:29:47.740 You should have

00:29:48.440 your driver's license.

00:29:50.120 You should have

00:29:50.840 a plan

00:29:53.020 for paying off

00:29:54.480 your debts.

00:29:54.960 Like,

00:29:55.100 most guys at 25

00:29:56.860 have been to school.

00:29:58.660 You're in debt.

00:29:59.460 Okay,

00:29:59.760 but have a plan

00:30:01.000 for how I'm going

00:30:02.320 to pay those off.

00:30:03.920 You know,

00:30:04.140 have an idea

00:30:05.600 of what the hell

00:30:06.920 your career direction

00:30:08.120 is.

00:30:08.900 It's like,

00:30:09.180 okay,

00:30:09.320 I've done this,

00:30:10.020 this,

00:30:10.320 this,

00:30:10.620 this is what

00:30:12.260 I'm going to do

00:30:12.660 with myself now.

00:30:14.460 25,

00:30:15.100 you should have 1.00

00:30:15.620 your shit together. 1.00

00:30:17.700 You should be 0.99

00:30:18.220 basically competent

00:30:19.540 at everything

00:30:20.400 you're expected

00:30:21.480 to do.

00:30:22.980 If you show up

00:30:23.780 for a job,

00:30:24.800 you know,

00:30:25.120 and the boss says,

00:30:25.880 hey,

00:30:26.120 can you do this?

00:30:27.300 You can say,

00:30:27.780 yes,

00:30:28.080 I can do that

00:30:29.240 with that other thing

00:30:30.140 I'll need training at,

00:30:31.440 but I can definitely

00:30:32.260 do that. 1.00

00:30:34.140 Have your shit together. 1.00

00:30:36.060 Be reliable. 1.00

00:30:37.380 by the age of 25.

00:30:39.380 No more screwing around.

00:30:41.380 Okay,

00:30:41.700 no more 0.99

00:30:42.260 fucking off 1.00

00:30:43.680 like you did 1.00

00:30:44.100 when you were a teenager.

00:30:44.960 You're 25, 1.00

00:30:46.100 have your shit together. 0.98

00:30:49.640 By the time you're 30, 1.00

00:30:51.660 you should have 1.00

00:30:52.560 your shit together 1.00

00:30:53.380 and you should have 1.00

00:30:55.900 a plan.

00:30:56.700 maybe this is a mortgage

00:31:01.780 by 30.

00:31:02.840 If you've figured out

00:31:03.760 a city that you like

00:31:04.640 living in

00:31:05.180 and you've got

00:31:06.160 a good sense

00:31:06.900 of where the

00:31:07.520 government's going,

00:31:08.760 if taxes are going

00:31:09.400 to go up or down,

00:31:11.560 you should have a mortgage.

00:31:12.240 You should have

00:31:12.560 six months

00:31:13.340 of expenses saved up. 1.00

00:31:15.260 Fuck you money. 1.00

00:31:16.520 So if you get sick 1.00

00:31:17.240 of your present employer,

00:31:18.740 you're just flipping the bird

00:31:19.580 and you'll walk off

00:31:20.400 because you've got

00:31:20.860 six months

00:31:21.580 of bills saved up.

00:31:22.740 You're not dependent

00:31:24.420 upon them.

00:31:26.220 At 30,

00:31:27.160 you should have

00:31:27.760 some experience.

00:31:29.400 You should know

00:31:30.180 what you are competent at

00:31:31.620 and what you're worth

00:31:32.540 and you should be able

00:31:33.740 to walk away

00:31:34.360 from anything.

00:31:39.980 And by 35,

00:31:41.480 you should be

00:31:43.000 diversified.

00:31:48.420 You should know

00:31:49.220 what you're good at.

00:31:50.780 You should have

00:31:51.500 backup plans.

00:31:53.700 And you should have

00:31:55.700 fallback positions

00:31:57.700 on top of that.

00:32:02.480 So again,

00:32:03.120 if mortgage is part of it,

00:32:05.100 if you decide

00:32:06.560 that you do want

00:32:07.140 to buy a house,

00:32:08.860 by 35,

00:32:09.620 you've got the house

00:32:10.140 pretty well,

00:32:10.940 you know,

00:32:11.220 it's partly paid off.

00:32:12.440 You're established there.

00:32:14.000 You know your neighbors.

00:32:17.520 You're not worried

00:32:18.360 about it.

00:32:20.480 You should have

00:32:21.100 other options.

00:32:21.860 You should have

00:32:22.360 been networking.

00:32:23.240 You should know

00:32:23.640 different people,

00:32:25.040 different industries.

00:32:26.420 You should have

00:32:27.500 figured out how,

00:32:28.660 oh, well,

00:32:28.960 I've been doing

00:32:29.480 this form of work.

00:32:30.900 That could easily

00:32:31.480 transfer over to this.

00:32:33.700 So even if your

00:32:34.840 entire industry

00:32:35.760 gets shipped overseas

00:32:36.800 or God knows what,

00:32:38.820 you know how

00:32:39.740 to take that

00:32:40.500 and transfer it on

00:32:42.500 and transfer it on

00:32:42.520 to something else.

00:32:45.000 By 35,

00:32:46.260 you should be

00:32:46.660 thinking

00:32:47.420 strategically.

00:32:54.100 Let's put it this way.

00:32:55.460 25,

00:32:56.160 you should be

00:32:56.400 the corporal.

00:32:56.960 You should know 0.96

00:32:57.180 what the hell 0.97

00:32:57.580 you're doing.

00:32:58.840 30,

00:32:59.460 you should be

00:33:00.460 the sergeant

00:33:01.140 that you've got

00:33:02.460 such a good grip

00:33:03.700 on things,

00:33:04.540 you're preparing

00:33:05.680 for things that are

00:33:06.400 even going to go

00:33:07.220 sideways,

00:33:07.620 even though you're

00:33:08.460 not expecting them

00:33:09.160 to go sideways.

00:33:11.180 And by 35,

00:33:14.420 you ought to be

00:33:14.900 getting up there

00:33:15.400 to sergeant major

00:33:16.240 where you are ready

00:33:18.960 for every different

00:33:20.280 type of way

00:33:20.940 things can go sideways

00:33:22.220 and you're on top

00:33:24.480 of it.

00:33:27.120 You're unflappable.

00:33:28.560 If things turn

00:33:30.000 to the worst,

00:33:31.600 well,

00:33:32.680 you deal with it

00:33:33.860 because you had

00:33:34.800 those backup plans

00:33:36.120 in place.

00:33:37.620 So,

00:33:46.600 brother,

00:33:46.920 I hope that was,

00:33:47.980 I hope that answered

00:33:48.760 your question.

00:33:50.840 If you want

00:33:51.520 financial advice,

00:33:52.400 go ask Clary.

00:33:53.760 But,

00:33:54.220 life is very,

00:33:56.400 very unpredictable.

00:33:58.860 It can seem

00:33:59.760 predictable for a

00:34:00.540 very long time

00:34:01.420 and then it's

00:34:02.000 very unpredictable.

00:34:04.000 We don't know

00:34:04.760 what the winds

00:34:05.900 of fate have

00:34:06.720 in store for us

00:34:07.740 and we have to

00:34:10.380 simultaneously,

00:34:12.460 we need to

00:34:13.240 plan and prepare

00:34:14.720 for the future

00:34:15.460 while also

00:34:16.580 living

00:34:17.360 today

00:34:18.740 the best ability

00:34:20.300 that we can.

00:34:22.160 You need to be

00:34:22.580 doing both

00:34:23.280 at once.

00:34:24.840 you need to be

00:34:29.900 living a life

00:34:30.540 that's

00:34:30.940 meaningful.

00:34:32.520 You don't want

00:34:32.900 to spend

00:34:33.380 30 years

00:34:36.480 making all

00:34:38.180 your money

00:34:38.580 and then you

00:34:39.000 retire

00:34:39.420 and then you

00:34:40.260 say,

00:34:40.700 wait, 0.97

00:34:41.000 what the hell

00:34:41.500 am I going

00:34:41.820 to do with

00:34:42.120 myself now?

00:34:43.900 You don't want

00:34:44.460 to spend 10

00:34:45.000 years doing

00:34:45.420 that.

00:34:45.540 maybe you

00:34:47.300 need to

00:34:47.620 spend 5

00:34:48.400 but no

00:34:49.660 more than

00:34:50.020 5.

00:34:58.080 And you

00:34:58.600 know what?

00:34:59.100 If you have

00:35:00.040 the chance,

00:35:00.720 you should

00:35:01.000 really try

00:35:02.660 and get

00:35:03.000 outside of

00:35:04.440 your environment.

00:35:06.440 New York

00:35:06.960 City is a

00:35:07.400 weird place.

00:35:10.280 Visit some

00:35:10.980 other places.

00:35:12.600 Go live

00:35:13.140 in other

00:35:14.180 places if you

00:35:14.820 can.

00:35:15.540 get to know

00:35:16.280 people in

00:35:16.740 other places.

00:35:17.600 If you have

00:35:17.980 an opportunity

00:35:18.580 to go do

00:35:20.160 your job

00:35:21.100 somewhere far

00:35:23.260 away and

00:35:23.700 weird,

00:35:24.960 go do

00:35:26.660 that.

00:35:27.020 Get that

00:35:27.320 experience.

00:35:28.360 See how

00:35:28.720 other people

00:35:29.160 live their

00:35:29.560 lives.

00:35:30.880 See what

00:35:31.500 all the

00:35:32.180 opportunities

00:35:32.740 out there

00:35:33.600 are like

00:35:34.980 so that you

00:35:36.580 have some

00:35:36.900 perspective.

00:35:37.460 Even if you

00:35:37.880 decide to

00:35:38.420 stay where

00:35:39.100 you're at,

00:35:42.780 yet you

00:35:43.140 still got

00:35:43.620 some

00:35:43.840 perspective

00:35:44.360 on how

00:35:46.040 it is

00:35:46.580 somewhere

00:35:47.780 else.

00:35:55.680 Just try

00:35:56.360 and live

00:35:56.580 the most

00:35:56.920 meaningful

00:35:57.240 life you

00:35:57.620 can,

00:35:58.800 ultimately.

00:36:00.600 Get your 1.00

00:36:01.240 shit together, 1.00

00:36:02.480 but live 1.00

00:36:04.600 each day

00:36:05.800 for itself.

00:36:06.420 thank you

00:36:09.300 very much

00:36:09.880 for the

00:36:11.480 request.

00:36:13.120 Hope you

00:36:13.720 guys enjoyed

00:36:14.200 the response.

00:36:16.160 Irini

00:36:16.460 out.

00:36:17.820 do

00:36:19.500 good

00:36:20.620 talk.

00:36:21.240 Bye.

00:36:26.760 Bye.

00:36:28.300 Bye.

00:36:29.100 Bye.

00:36:29.820 Bye.

00:36:29.960 Thank you.

Leo D.M.J. Aurini - March 03, 2017

A Question of Lifestyle [Requested Video]

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