The formidable Vicki Robin
As I’ve mentioned before, I came across Your Money and Your Life when I was 18 and it’s steered my life in many ways. What a gift Vicki Robin continues to be to the world.
Building a functioning dam(n) for the river of horrors
As we enter a US election year I have decided to reduce my exposure to online dialogue substantially. I don’t live in the US, I don’t vote there and if something is important I am sure The Americans* will tell me about it. The fact is, it is impossible to not know what is happening in the world today and there is a constant barrage of horrors to choose from. Yes, there is also goodness in the world but when ‘enragement is engagement’ the horrors are always top of the feed.
I have completely stopped going to my private Instagram account because it is non-stop horrors. Horrors I have no control over. Horrors I am not educated or have enough power to do anything about. I could spend most of my day educating myself about global politics and still never scratch the surface of knowledge about everything. It’s all too much.
I also don’t want to be ignorant of the events of the world. I do hit a news site for the biggest headlines and read the paper (yes, a physical national newspaper like an old person) once a week so I know what’s going on and I think that is about as much as I can handle. I am overwhelmed every time I hit a social media site and the feeds feel like a battlefield.
To me, it felt increasingly like everyone was just screaming into their own echo chambers. I think when everyone is terminally online, posting memes feels like activism. I, myself am guilty of this and only have recently been really taking a long, hard look at what feels good vs. what does good. I spent years setting the dopamine gun to STUN and quite frankly, it’s basically changed nothing except that my iPhone reminds me on Sunday mornings that I spend more time on it than I do with my kids each day.
One of the reasons why I don’t have comments turned on here is because I am horrifically addicted to feedback (and I love making new friends). Although many people assume that I don’t WANT feedback – oh I do – negative and positive! I want to mainline the comment sections of every website I go to, proving once and for all that my opinion is the best opinion (you can take the girl out of debating…). But realistically I have spent so many years doing this: on IRC & BBSs/usenet since 1994, to livejournal in 1999-2007, to all of the Meta properties until today (I have thankfully avoided tiktok so far…)**. I can’t even remember a fraction of those discussions and I don’t think I have changed the world in the slightest. If fighting on the internet with strangers had a longevity prize, I’d probably be up there with my 30 years of service (as an aside, the gift for 30 years of marriage is jewellery containing pearls: the internet would snicker at that relentlessly.). But when I look back on my life I don’t want that to my defining characteristic; my tombstone would probably say something dumb such as: THERE WAS AN ATTEMPT, TUCKER HAS LEFT THE CHAT or 404 LIFE NOT FOUND.
The reality is though that I just don’t have enough social media clout to make a difference. I used to work in social media and the first thing I did when I retired was shut twitter down. I loathe twitter. I don’t use my real name on facebook, I am cautious on Instagram and even on my posts I try to respect the privacy of my husband, children and our lives in general. Sure, I am not so dumb as to think that people couldn’t find me if they really wanted to – I am not in the witness protection program after all – but I try and keep some modicum of privacy. I also don’t think I am interesting enough to find, either. I admire my friends who have chosen different paths and create these hugely popular networks that have served them well – they have political clout! When they speak, people actually listen. But for the rest of us, all of the memes and hot takes and snarky political commentary is all shit for flowers: no one gives a rat’s arse what we think. In the grand attempt to turn the internet into one giant Speaker’s Corner, there are no more corners in which to hide from the constant barrage of opinions.
I just think that we need to actually reevaluate the way we engage with the systems of the world. I feel like we’ve gotten stuck in a feedback loop from the last decade which was all about “raising awareness.” You just shared post online and TA DA! You felt like you did your part and you didn’t even need to leave your house. But did making people aware of issues bring us anything more than pink vacuums at a markup? Probably not. In many cases as well, raising awareness does more harm than good. It made me wonder: am I posting because I think it will change things, or am I just posturing?
Don’t misunderstand me: this is not a treatise about bowing out of political life. Not at all. I just think that we should be cognizant on what we can change and what actions are effective at enacting change.
In my city, the turn out to vote for mayor and city council was 43.79%
In my province, the turnout for the last election was 43.53%
In Canada, the turnout for the last election was 62.2%
But this is all wrong, realistically. The government that has the most to do with our lives as citizens is our municipal government. They are responsible for every day things such as school boards, waste/recycling collection and road maintenance. We interact with our municipal public servants more than any other government representatives in the country***. This is followed by the province who is in charge of things such as healthcare, social welfare and highways. Then the federal government is responsible for the big things such as national defence, law, immigration and taxation. Of course, there is a wide amount of overlap between all levels of government but it’s shocking to me that people vote the least in elections that control more aspects of their daily lives.
But even then, many people I know don’t know that their elected representative’s main job is to represent you, the citizen, to their legislature.
I can’t remember any Civics lessons from school and most of what I have learned about the political process has come from working for the federal government and then extrapolating that to all levels of governance. But to come back to my original point: your MPs, MPPs, the Mayor of your city and the councillors probably don’t follow you on social media. The heads of departments or people who sit on committees don’t know you and they don’t know your opinions on issues: you need to tell them.
It is not enough to post memes and clapback to online trolls. It isn’t enough to comment on news articles and spread awareness for causes unless you have a HUGE following that ends up making your opinion trend. But that doesn’t mean we have to give up! I decided that this year would be the year of doing what DOES good instead of what FEELS good. Here is a (non-exhaustive) list of things that I have decided to do this year:
Stop posting about politics online: controversial, I know. I don’t want to constantly be under the watchful stare of the terminally online. I also don’t want to be terminally online. No one who is important**** reads my locked down posts so it’s really an echo chamber for the most part.
Stay informed: your representatives usually have mailing lists and websites. Go there first for info. I have now gotten into the habit of pointing people towards the incredibly detailed newsletter our city councillor puts out weekly when people get hysterical about the “lack of communication.” I remember one woman had an apartment building going up behind her house. The councillor actually took a team to FLYER the affected neighbours, posted repeated online about it on social media, and put it in the newsletter for a month. This woman was absolutely hysterical that “no one had told” her. But what more can politicians do? I feel like people expect an engraved invitation but let’s be honest: it’s up to us to stay informed as well.
Write elected officials: I have been writing emails to my officials and giving them my name and address and my opinion on things. Recently, our community was slated to have transitional housing occupy an old LTC that had been decommissioned. Of course, this cued a bunch of online fighting but hardly anyone went to the meeting or emailed the contact with their opinion. I wrote many, many people about how great it was that our community could use this building to house people…in a housing crisis.
Contact elected officials and ask them: email or call with questions or concerns on how they’ve voted and why. If they don’t get enough feedback from citizens, it could be difficult to gauge their temperatures on issues. I make sure they know how I feel.
Donate: CHANGE THE WORLD WITH THIS ONE TRICK! Honestly, we doubled some of our donations this year just because inflation and housing is just brutal for anyone who isn’t middle class or higher. My cousin is getting married this summer and she has asked people to make donations to the woman’s shelter where she is the ED. She is a middle-aged woman who doesn’t need gifts and who already owns a house. I think this is a brilliant solution!
Volunteer: this doesn’t even need to be a formal volunteer position. We help our elderly neighbour navigate technology. I see people offering to run errands for sick neighbours & shoveling walkways for the elderly all of the time in my neighbourhood group. The community association is constantly looking for people to help with events and other activities.
Sign up to work at a polling station during an election: I have done this before. It is an extremely long, gruelling day where you don’t get a break. You will meet kind people, but you will also get people who call you a fascist for asking for ID. It is really good insight into the process, and I did learn a lot.
Protest: there are so many ways to protest from boycotts to physically going to a rally. I feel like shopping in your community and buying products from artisans instead of dropshippers on amazon are forms of protest as well. To sound cliché: we do vote with our dollars. I know none of us are perfect and some people just don’t have as many options but we need to support our communities if we want to keep them.
People often believe a dam is designed to completely stop water from moving. But often it is just good water management for the purpose of generating electricity, preventing floods and providing communities with water. I don’t want to eliminate news and political engagement but I just want to make it manageable for me and targeted in ways that make it a net benefit, not just a feel-good moment where I click share, wipe my hands, and move on with my day.
*These are my Americans, get your own
**I am ancient and from the Beforetimes
***Yes, I live in the capital and see more federal public servants than not but let’s be reasonable
****You are important to me! Just, not, like, the world at large.
9 things I have read this week
Winter sport season continues to be chaotic as we head into the second month of ski instructor and skating rink jobs for The Eldest and snowboarding lessons and Roller Derby for The Youngest. Add in our PWHL season tickets (and the fact that I am watching ALL the games of this inaugural season!) and we are happily busy. I have no idea why but in November I always say to the family, “we will consider X thing when we are less busy in the new year,” forgetting that we are usually slammed until The Eldest’s birthday in March. Note to self: we are never less busy in the new year.
I drove for the first time in 7 months after the horrific broken foot in June followed by two surgeries. I will admit that most of that has been laziness (and not having many places to go) combined with the snow/ice not being a great time to head out and about when you have a motor neuron disease. But it is, in fact, just like riding a bicycle (“yeah, if the bicycle weighed ton and could drive at high speeds,” The Youngest smugly pointed out. I laughed) and I look forward to getting out more. At any rate, upwards and onwards with the links:
Yes, the people who are on the lower end of income are suffering. No one is trying to say otherwise. But it’s disingenuous to claim that everything is horrible when, in fact, things are pretty good for the majority of people. I think it’s du rigeur to complain about generational divides – and algorithms certainly love it – but while there are definitely challenges, not everything is bleak. Young people are doing better financially than you think.
I know I sound like an old man who is screaming at the clouds but I remain convinced that “little treat” culture is not getting people to look at the big picture & it looks like it’s definitely helping corporations with their earnings. Little luxuries are driving consumer spending.
Having watched my friends go through caring for loved ones in the past couple of years, one thing has become abundantly clear: in the LTC environment, if you do not have someone advocating for you and checking up on you regularly, you will fall through the cracks. It absolutely terrifies me and I worry about the future – and money won’t save you, a person who cares for your wellbeing, will. Shrinking family sizes may change our experiences with aging.
“Kevin Kelly once made the point that if you want to know what lower-income groups will aspire to spend their money on in the future, look at what higher-income groups do today. European vacations were once the exclusive playground of the rich. Then they trickled down. Same with college, investing in the stock market, two-car households, lawns, walk-in closets, and six-burner stoves – what was once a luxury of the rich became standards of the masses.” A few thoughts on spending money.
“I am glad I’m getting to see the papers I mentioned at the beginning. They are shocking, but Truth is good. If they are true, I want to know. For example, if it’s true that there are IQ differences in races, then we should know, because our democracy and capitalism are not designed for that. They’re designed for a world where anybody can do anything if they only try hard enough…Apparently, TikTok is limited to 40 minutes a day in China and is focused on educational and patriotic content, while the West receives all the most addictive content without limits.” A very divisive article with some good questions: Who owns the megaphone?.
Following up to last week’s link post is this article on how to divest yourself from the feelings of others, “it’s a fool’s errand to make your sense of feeling OK dependent on knowing that everyone around you is feeling OK. Taken at face value, the information that someone is upset because you’re not doing what they wanted you to do is just that: a report on the state of their emotional weather.” Allow people their problems.
I always enjoy the things that Karsten writes because unlike some people (*cough* me) he really tackles the numbers. Here is one of two posts on whether or not bonds beat stocks (next one is out next week). But I think the mindblowing thing I learned was how Canada is the only country that historically topped the US for the safety of the 4% rule. I am sorry, WHAT? I suspect this has to do with the fact we have oligarchies that many Canadians are forced to interact with daily. I am open to all other theories, though! 🤔
“[T]hat said, something striking happened once the pandemic eased. For the first time in a decade, cash payments rose—admittedly only by 7 per cent, but bucking the longer-term trend. Why? UK Finance cites anecdotal evidence that, in a cost-of-living crisis and with inflation for a while into double figures, people were finding it easier to manage their money by paying in cash.” The end of money?
When Mr. Tucker wanted to move to the country and farm when we were newly married, a family member said to us, “yeah, well that’s just a dream, it’s not reality!” I was really upset about it and was relaying a story to a friend, sad about the lack of support. This friend turned to me and said, “yeah. That is the whole point of dreaming! To wish for something different and try and make it happen!” Naturally, we chose a different path but that friend’s comment stuck with me: it’s ok to dream! It doesn’t mean dreams can’t change. It’s ok to give up on your dreams.
Stay warm out there, kids!
What’s the definition of a good life?
A thrift store haul from last year
My Dad loves to shop sales. He gets up at the crack of dawn on the days of the week the various grocery sales flyers come out. He is also generally the first person at the store when they open the doors. My Dad brings coffee for cashiers, knows about their lives and will remember if they need something picked up when he is on his weekly bargain-hunting trips.
He has done this all of my life. I remember being 7-years-old and him handing me cash to buy cases of sale pop because there was a per person limit. I hated that as a kid but I did love pop so I dutifully went through the cash knowing I wouldn’t even get pop if I didn’t help buy it on sale.
I suspect that he got it from his mother who was fastidious and organized but by all measures, she was a hoarder. She grew up super poor during the depression and was absolutely terrified that we would go through another one, so she had shelves full of soaps, canned food and other household goods. She also had multiple freezers full of butter, milk and meat that could probably have carried all of her 3 kids, their spouses and the 9 grandchildren through another depression. She wasn’t cheap though, the gifts flowed. One of my favourite times of year was when her and my grandfather would come back in the spring from their condo in Florida bearing gifts for all the grandkids. People express their relationship with money in the wildest of ways. For my grandmother it was to hoard the necessities of life and THEN spend lavishly on those she loved.
After my parents divorced, my father didn’t have a lot of stable places to live. He lived with my grandparents for a bit, a couple of girlfriends on-and-off, a trailer with another couple, a house full of bachelors at one point and then when I was 17 got remarried (and divorced, and remarried…and divorced*). He is now retired, in a stable relationship for over 17 years and just living his life meeting up with other retired colleagues for coffee, playing pool and grabbing beers with friends or visiting us. When he visits he ALWAYS brings food and treats for the kids because he is “just trying to help” us out. This is his idea of a good life.
It used to perplex me for a long time that a man who had a good pension and didn’t owe a dime was so obsessed with saving money via grocery sales. My Dad could probably eat out every night of the week and never ever run out of money. Instead, he rarely eats a meal out and he won’t pay full price for anything! It also makes no logical sense to drive to 8 different stores on 2-3 days of the week only to save the same amount in food dollars. It took me a long time to figure it out, but I did figure it out:
He enjoys it.
He enjoys shopping for sales.
IT’S HIS HOBBY!
Sure, when I was a kid it was probably a necessity but eventually he managed to build a career, get promoted and save a bunch of money. So even when he didn’t need to shop for sales, at that point it was so ingrained in his character and such a big part of his weekly routine (especially when he retired) that he kept at it. He brings the woman at Tim Hortons her favourite meats when they go on sale because he loves to share his finds. He brings us food because it makes him feel good to bring his grandkids cases of pop, some chips and cookies because he knows that we never buy it (although, in recent years I’ve pushed him into searching for avocadoes and peppers, too!). Every week, and I mean EVERY WEEK the day before the flyers come out he calls me and asks, “Is there anything you need?” (spoiler: there is never anything we need)
Figuring out my Dad’s motivation got me to thinking. Why have we associated a good life with spending money? There is this unspoken rule that you have to enjoy travel, eating out at fancy restaurants, the occasional luxury good – and god forbid you don’t think a $7 coffee is worth the money! Why, you are just depriving yourself! I would call it a problem if my Dad was so cheap that it was making himself and others miserable but it isn’t. My Dad is a very generous person. He just enjoys living his simple life and hanging out with friends and family and his hobby just happens to be shopping for sale food. Sure, it’s not an exotic life of adventure but he’s happy, and really isn’t that what it is all about? In telling people what is generally considered a “good life” are we inadvertently pushing our values on them?
I try to think of it like this: I love thrifting. The idea of sifting through shelves and shelves of housewares, reading the titles of books that are in no order whatsoever, and trying to find the diamond in the rough in a pile of florescent 80s stirrup pants fills me with absolute joy. I will happily spend a day hitting bunch of thrift stores (in my neighbourhood there are 3 within spitting distance) trying to find buried treasure, and to me, that is a banger of a day! Sure, I love the environmental and financial aspects of thrifting but the real pleasure is in the hunt. I pop a Claritin, charge my scooter, grab a bottle of water and off I go on the search for deals. Heck, I have friends who will also thrift with me** and The Americans*** and I often share our best thrift finds in the group chat to the OOOOHs and AHHHHs of the others. If there was competitive thrifting, my friends and I would all medal in the sport.
But I would be hard pressed to argue that thrifting actually saves me a ton money and it definitely doesn’t save time. But I enjoy it much more than popping into a store and buying whatever I need off the rack. Don’t get me wrong – there is a time and a place for shopping for new goods – but it’s not something I actually enjoy. I look forward to it like I look forward to blood work: sure, I recognize that it needs to get done but I won’t be happy about it. Don’t think that I also am rejecting branded goods, either: I have a fairly decent collection of Fluevogs that I love dearly. I just dread the concept of hitting the mall and trying on a bunch of clothes at stores all day long – the kind of day, I should add, that my kids find RIVETING.
But often thrifting and sale shopping for groceries gets categorized as something people associate with a poverty mindset. When we talk about saving money these are some of the more popular things that get thrown into the ring as examples of ways to save and it’s become du rigeur to tell people they don’t have to be shamed into doing those things (that they may not enjoy) just to save money. I get it – unlike the 90s and 00s, shame doesn’t sell as well as it used to. A kinder, gentler approach works better. So, it’s one of the things that “money experts” looooooove to shit all over. “I am not saying you have to use coupons and save $2 on a case of pop,” they sputter. But let’s discuss the elephant in the room: when I was a kid that $2 meant getting pop vs. not getting pop. If you don’t have to make those kinds of decisions and have never had to – congratulations! But there is a reason that most of these gurus focus on upper/middle-class individuals – those are the people who will buy books and courses on how to fix their money problems, which is how these money experts make their money. But even if people could probably benefit from some of these frugal skills they don’t want to, because it would challenge their identity as upper/middle-class individuals; it would make them feel poor. They want to buy a book or a course that tells them that they can have everything without deprivation. But for the most indebted, that is rarely the case. Conversely, truly poor people are too busy deciding whether or not to pay the electricity or the phone bill than to even consider taking a $300 course on how to live a “good life.” For them, every single dollar needs to be accounted for. In all fairness to these money experts as well, they probably feel unqualified to tackle the realities of the super poor – you can reduce your costs but you can’t eliminate them. You can’t budget if you have no money left to budget with.
As for me, I don’t like waste, and considering we have enough clothes to clothe the planet for the next 100 years, so every time I buy something from the thrift store I get giddy about how it’s one less thing going to the landfill. Is it making a HUGE difference? Probably not. But I enjoy it. I suspect my Dad gets the same excitement when he finds a 50% off roast to share with one of his friends – less food waste & people get to enjoy a hearty meal. While I will spend lavishly on the most incredible vacation imaginable (I never count my pennies when I travel – I do whatever the heck I want to!) I still can’t bring myself to pay full price for an LL Bean sweater knowing full well there will be piles of them filling the thrift stores once spring hits.
Entertainment, savings and saving things from the landfill? Sign me up for those hobbies. There are worse ones to have.
*His most expensive hobby, tbqh
**The best kind of friends
***These are my Americans, get your own