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      "author": "steemitboard",
      "permlink": "steemitboard-notify-tuk-20190403t010035000z",
      "title": "",
      "body": "Congratulations @tuk! You received a personal award!\n\n<table><tr><td>https://steemitimages.com/70x70/http://steemitboard.com/@tuk/birthday1.png</td><td>Happy Birthday! - You are on the Steem blockchain for 1 year!</td></tr></table>\n\n<sub>_You can view [your badges on your Steem Board](https://steemitboard.com/@tuk) and compare to others on the [Steem Ranking](http://steemitboard.com/ranking/index.php?name=tuk)_</sub>\n\n\n###### [Vote for @Steemitboard as a witness](https://v2.steemconnect.com/sign/account-witness-vote?witness=steemitboard&approve=1) to get one more award and increased upvotes!",
      "json_metadata": "{\"image\":[\"https://steemitboard.com/img/notify.png\"]}"
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      "memo": "Weekly payment. You get SBD from Commenting/Upvoting my Daily Faucet post http://csyd.es/Faucet so check it daily. Also when you Comment/Resteem/Upvote any of my posts you get a payout every Sunday for each action you do. Check @Kryptonia http://csyd.es/Kryptoniaio"
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      "memo": "Weekly payment. You get SBD from Commenting/Upvoting my Daily Faucet post http://csyd.es/Faucet so check it daily. Also when you Comment/Resteem/Upvote any of my posts you get a payout every Sunday for each action you do. Check @Kryptonia http://csyd.es/Kryptoniaio"
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      "permlink": "what-to-do-about-technological-unemployment-if-you-have-no-money",
      "title": "What to do about Technological Unemployment if you have no money",
      "body": "CW: Technological unemployment, financial advice, money, poverty, wealth, you might be fucked, probably read this (it took an hour to write). 2394 words.\n\n\"This is a very depressing conclusion. If technology didn’t cause problems, that would be great. If technology made lots of people unemployed, that would be hard to miss, and the government might eventually be willing to subsidize something like a universal basic income. But we won’t get that. We’ll just get people being pushed into worse and worse jobs, in a way that does not inspire widespread sympathy or collective action. The prospect of educational, social, or political intervention remains murky.\" - Scott Alexander\n\nI've been pressed for solutions on what to do about Technological Unemployment if you have no money and low income. Some of this post will veer into financial advice. I'm going to try to orient this advice to people with no or low income, and I should clearly state that financial advice needs to be tailored to your individual situation, I am not a financial adviser, don't take this as investment advice, yadda yadda disclaimer.\n\nTechnological Unemployment (TU) is going to hit the middle-skill jobs first, then push workers toward both extreme ends of the labor market. My advice is to do everything in your power NOW to be sure you'll move into the high end, or you'll be trapped without a ladder (career path) to the high end.\n\nI do not expect the government will provide viable solutions to these problems, and for that reason I advise avoiding relying on government assistance as much as possible. For that reason I'm going to avoid listing off government assistance programs, but call 211 if you want details on them. (seriously you can just dial 2-1-1 and get a person and be like \"I'm poor, wat do\" and they'll give you a list (of programs that lack funding))\n\nFirst, I need to state some obvious financial principles:\nTo build wealth you must (be able to):\n1. Spend less than you earn\n2. Own things\n3. Compound Interest is THE SHIT, YO\n4. Networking / Connections \"it's who you know\"\n\nThat means my solutions will focus on increasing income, decreasing spending, and acquiring assets.\n\nFor many people their spending is already at bare-minimum survival levels, and their income is fixed or near minimum. There are a number of unusual solutions I've come across in my life that I'm going to share. These options are not exhaustive, some may be obvious, and I may forget some obvious ones, so feel free to comment with what worked for you.\n\n**Increasing Income**\n\nThe most important thing you can do is make more money than you currently make, because this empowers you to increasingly effect your values into the world. Earning money by creating value for someone else is (and should be) a great feeling. You do your \"job\" because it creates value for people, so you should maintain the attitude of trying to create the most value possible with the skills you have. Improving this requires developing desirable skills. The most important skill is the Skill Acquisition skill. Google: 'Learn how to learn,' 'autodidactic'\n\nMost people focus on doing what they're good at, or pursuing what they're passionate about. I believe this is the wrong approach. You should instead focus on \"How do I create the most value?\" If you focus on that question you will start to see opportunities. If you pursue those opportunities you have a much better chance of increasing your income than if you simply focus on the existing job type that sounded nice on the job website. This attitude will force you to remain flexible and agile in your career, and TU is going to demand flexibility, as jobs evaporate, downsize, have their hours or wages cut, etc.\n\nEducation is critical, and frankly most people aren't investing enough into their education. By that I mean, most people don't read textbooks unless they're assigned in school, don't listen to the free business podcasts on Spotify/stitcher/itunes/soundcloud because they prefer music, etc. \nI was taught \"If you want to be a leader, you have to be a reader.\" Also, Buffett on this: https://www.fs.blog/…/the-buffett-formula-how-to-get-smart…/ \nThere is a plethora of college level online learning now available from coursera, Khan academy, edX, udemy, etc, etc. For everything else there's youtube.\nFocus on employable skills, but bear in mind that due to technological unemployment you're going to need more generalizable not just specialist skills! That means you should focus on skills that are useful in many different jobs, and determining which those are can be quite difficult. If I were in this position I would spend time reading job ads on Indeed and looking for common descriptions.\n\nAlso, develop hobbies or side-hustles that produce income. Making things can be good if the price of the crafted good pays a profit after you account for the time and labor input at whatever wage you think you're worth.\nLots of people have hobbies making bullshit for etsy that sells for $20 and took them 10 hours to make. Neat. Value your time more! Education is worth its weight in gold, so focus on that if you can't think of anything else yet. Multitask if you can, maybe knit stuff for etsy while listening to a podcast or coursera lecture.\n\nIf you need job skills you can't find training for online, volunteer or offer your time as an intern. (Here I'm assuming you're on government assistance and have some welfare benefit you'll lose if you get a W2 job) You'll gain resume experience and hopefully some nice references when you apply for the high-paying job that justifies getting off of welfare.\n\nYou can land pretty sweet internships or even jobs by befriending business owners or other well-networked people. It's much easier to get your resume moved to the top of a pile if you have a connection. There are business networking events, but that's not necessarily ideal. People are networking events are usually hungry, looking to self-promote and make sales. There's limited social proof in such a situation, and it's difficult to provide value to strangers. (Remember, providing value to them will increase the chance they'll want to reciprocate and help you out). If you're working on something that requires knowing people you don't currently have access to, attend a relevant networking event and ask people \"I'm working on X, is there anyone here you think I should meet to discuss it?\" until someone agrees to introduce you to the person you need to know. This is much smoother than approaching strangers with a pitch, or awkward small talk.\nLook for industry association meetings (for example, REIA for real estate), or join an organization like Rotary Club or Toastmasters to get volunteer and networking opportunities. This expands your social circle into the sort of people who attend those events, and those are usually the sort of people who run shit.\n\nI realize that I'm assuming you have free time and energy, but frankly if you have time to read this post you have time to watch a youtube tutorial instead. I used to listen to entrepreneurship podcasts while doing menial labor at my old job. Even if you don't have the luxury of wearing headphones at work, you can bring a book for your 15 minute breaks, read on the bus, etc.\n\n**Spending Less**\n\nPoor people fuckin hate it when people criticize their spending habits, but bear with me here.\n1. Can't afford food? **Call 211.** Get food stamps, etc. I can't believe the number of friends I've had who couldn't afford food but refused, out of nothing more than PRIDE, to sign up for food stamps or other government assistance programs. Pride is a luxury, starve your ego, not your body. \nFind your local food pantry and stock up your own, churches often get truckloads of barely expired food from grocery stores and it goes bad before enough people can eat it (I used to work in a food pantry, we got to take home shitloads of bakery excess. SO MANY CALORIES. maybe why I can't eat gluten now. shit.)\nAlso, Trader Joe's dumpsters have some fuckin' great food. I know this first hand. Be wary of the meat, but if the packaging is still airtight just cook that shit well-done to be safe.\n2. You need a budget, and there are excel templates online for free that will help you create one. check reddit.com/r/personalfinance for all sorts of free tools and advice. If you have bank accounts, credit cards, etc. sign up for a site like Mint.com to automate your budgeting (ha, automation, this used to take labor and expertise or hiring a guy. the future rocks!)\nMaybe try the Acorns app, but I believe that does taxable investing and you should focus on tax-advantaged investments first (401k, IRA, HSA)\n3. Buy used, shop thrift stores, yard sales, get free hand-me-downs from friends, etc. \n4. Optimize your spending habits. Instead of $4 at Dunks spend $4 on cheap instant coffee at the grocery store that will make a month's worth of coffee. That sort of thing. Know someone with a costco card? Save up and buy nonperishables in bulk.\n5. TONS MORE of much better advice on reddit: reddit.com/r/frugal\n6. Your health is fucked or you otherwise just can't cut back any further? Join a church and let them know your situation. Seriously, I know. I'm an atheist and this would chap my ass, but religious people get social status and warm feelings out of helping people so really it's a mutual trade-off, and you can legit tell them you're not gonna convert and they'll still do it because of their memetic programming er I mean altruism. But pay it forward, eh?\n7. Rent. You probably live in a High-cost-of-living area. Get as many roommates as you can tolerate. I used to live with 3 people in a 2.5 BR apartment. It sucked, but it I was able to save up for a house, so, worth it. Find roommates through friends-of-friends, craigslist is a nightmare, but also be aware that the current roommates/landlord of the person you're considering are incentivized to lie to you about how great that person is in order to get rid of them. Try to find the person/landlord they lived with prior to their current location for the real truth. Seriously, I've been straight up lied to by my own friends who were trying to pawn off shitty roommates on me, I know how big of a hassle the roommate search can be. \nFailing all of that, run the numbers on moving to a lower-cost-of-living area or place with better job prospects. Check https://www.numbeo.com/cost-of-living/comparison.jsp \n\n\n\nOk, so now that you've focused your time and self-discipline on increasing your earning potential and decreasing your spending, you should have (some) excess income to put towards:\n\n**Own Things**\n\nThis is the critical component that most people fuck up. This is the differentiator between the middle-class and the upper-middle and upper-classes. OWNERSHIP OWNERSHIP OWNERSHIP. I cannot stress this enough.\nWhat is an asset? Well, there's actually some debate on this (esp. about personal residences) but I'm with the Kiyosaki camp which prefers Cashflowing Assets. These are things you own which have income streams.\nNow, that might mean a dividend producing stock, or bond, or investment real estate, or best: a business. The other asset class I'll call Speculative Assets, and these are things like gold, cryptocurrencies, etc that may increase in value but have to be sold to produce income.\nBoth are great, but cash is king.\n\nBut wait, there's more. Did you know having an account with a credit union makes you a shareholder in that credit union? You can vote at their meetings.\nSimilarly, there are employee-owned companies where employees at all levels are provided shares in the company. I've heard of people who had $100k in stock at 22 because they started as a cashier at 16. These jobs are coveted, so try to find the companies yourself, they won't be posting ads on job sites. \nA number of corporate jobs also offer tuition assistance if you want a free/discount degree.\n\nNow, my futurist advice is to band together with friends and buy things as a syndicate. You can do this with real estate, and for example there are a lot of communes organized this way in the bay area and elsewhere. These are very difficult to manage (people like to move, and then you wind up with tons of shareholders) and I don't envy anyone who puts in the effort, but the payoff can be having a property whose rent you control collectively. Find these on www.ic.org or if you have good organizational skills, found your own. Not sure how? There are library books, ebooks, podcasts, and youtube videos that will teach you, or you can visit existing communes to network and get an education.\n\nSimilarly, cooperatively owned automated manufacturing or similar facilities NEED to happen. We need to collectively own the robots/tech that is replacing us to not wind up destitute or dependent. I might start one myself in a few years if no one else gets around to it. I've passed up opportunities to invest in these sorts of things, and I regret it. Obviously you need someone with the skills necessary to operate a manufacturing facility, which is a tall order, but if you know someone, you can form a business organization (a 10 member LLC is fairly simple) and pool capital (and OWNERSHIP!) to found such a thing.\nIf you can't afford it with 10, look into crowdfunding, like, kickstarter but also look up Equity Crowdfunding methods.\n(This shit is highly regulated and difficult because the government wants to protect you from yourself because you make bad financial choices you silly person)\nYou can invest as little as $100 on sites like WeFunder, and who knows, maybe you double or triple that and have cash to reinvest.\n\nIf you're young, you can afford a higher financial risk profile, so take advantage of compounding interest/returns now.",
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      "title": "What to do about Technological Unemployment if you have no money",
      "body": "@@ -10406,258 +10406,67 @@\n ts. \n-When I moved to NH I evaluated the economic factors of the state and determined that there was a labor shortage and plethora of rich people, so lots of opportunity to make money providing services to rich folks. (BTW totally paid off, best move ever)\n+Check https://www.numbeo.com/cost-of-living/comparison.jsp \n %0A%0A%0A%0A\n",
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      "title": "Protectionist regulations are keeping us poor",
      "body": "An 1100 word rant about Good Ol’ Boys, Trickle-Down, and the SEC\n\n(article assumes you’re an American citizen and not rich but want to be. cw: finance, cursing, libertarianism)\n\nFinance is a vast convoluted morass of capital, firms, and entrepreneurs. I’m going to oversimplify a lot of concepts to describe the process by which wealth moves from the top down to the masses in the American economy.\n\nLet’s say a company is started using funding from its founder(s), and its technology looks promising. To grow, the company needs money, but more than any banks are willing to loan them. So the founder goes looking for investors, offering equity (partial ownership) in the company in return for capital.\n\nUsually an Angel investor will take on this risky deal, but sometimes the company is promising enough to skip straight to a Venture Capital firm which is a pool of private investors and sometimes public funds from institutional investors. \n(More on this here: https://steemit.com/cryptocurrency/@aaronday/why-venture-capitalists-are-the-biggest-threat-to-blockchain )\n\nNow Angels and VCs want a return on their shares, so they’re going to seek buyers for those shares, and when you want the best price for something you need to find a lot of potential buyers to bid it up. So they might push the company to file for an IPO and go public to raise even more capital which will let the angels or VCs exit the deal with profit.\n\nFor a basic example, let’s say Company X shares sold for $1 to Angel A, who sold them for $3 to VC A, who sold them to Good Ol’ Boys Brokers for $5 who then sold them to you in your IRA brokerage account for $10. This is a simplistic model of how wealth flows through the financial system.\n\nThis process seems to repeat in various ways throughout the stock markets, but my familiarity with it is due to investing in Initial Coin Offerings in the cryptocurrency space. When ICOs first hit the mainstream they were in a legal grey area, too new to be heavily scrutinized, and it was unclear how to treat these tokens - Coins? Currencies? Securities? - that were being sold. This meant that anyone who held some bitcoin or similar cryptocurrency could participate in funding a startup, and receive tokens in return which might function like a stock, or might be a used to purchase goods or services from the startup company.\n\nEventually the financial industry took a lot more notice, and so did the SEC. The SEC regulates the process of companies going public (IPOs) and this process is extremely time consuming and costly, often requiring entire teams/firms of attorneys to execute and requiring several large capital investors (e.g. those too-big-to-fail banks) to coordinate the sales of the stocks to their customers via their brokerages. If you’re an entrepreneur and want to raise capital publicly but don’t want to comply with the costly onerous process of going public (IPO) there are several SEC regulation “exemptions” which allow a company to sell securities provided it adheres to these “exemption” guidelines. Sounds nice, the SEC is letting us save money, except hold up a minute, no, actually, having to follow these very specific guidelines SOUNDS LIKE A GODDAMN ‘REGULATION’ TO ME. But maybe I’m just too libertarian about this…\n\nAs the SEC started taking notice and deeming ICO tokens ‘securities,’ the ICO process went from a decentralized, quasi-unregulated process of listing a payment address and getting a token in return on a startup’s website, to one of registering your name and other financial information (KYC/AML) in order to be “approved” to participate. Again, there are 6 exemption frameworks that the SEC dictates (https://www.sec.gov/smallbusiness/exemptofferings) for companies raising money via selling securities.\n\nSome will argue that SEC involvement is good for the ICO/crypto market/industry because of the proliferation of scams and fraudulent offerings. There’s merit to fraud prevention, but here’s where it gets fucking crazy. These SEC regulation exemptions have requirements for the TYPES OF PEOPLE who can invest in the startup companies. This is sold as a way to protect foolhardy investors from sinking too much of their wealth into a company that might screw them over. Except, the only exemption that regulates HOW MUCH you can invest is the new Regulation Crowdfunding (https://www.sec.gov/news/pressrelease/2015-249.html).\n\nWhat’s going on here? These regulatory ‘exemptions’ are requiring companies that want to fund via ICO to identify their customers and then refuse to accept funds from anyone who is not an “Accredited Investor.” Accredited investors must have earned $200k/yr for 2of3 years, or have a Net Worth of $1mm USD or more. That means in order to give an ICO $100 you have to first be a millionaire! Many companies consider these SEC requirements too onerous, and refuse to accept your money altogether. It’s not uncommon to read: “Excludes Contributors From: United States, Cuba, Iran, North Korea” on ICO websites now. Yes, we’ve really been lumped in with the likes of Iran and NK!\n\nThink that’s bad enough? Some of the SEC exemption types require you be a Qualified Purchaser ( http://www.hedgeco.net/…/hedge-fund…/qualified-purchaser.php ) which means you need to have a net worth of $5 million to be qualified to invest ANY amount of money in the deal.\n\nWhy would a company choose this? Well, some hot startups are looking to raise a smaller amount of money than there are investors who want to invest in them. If you’re running a hedge fund that represents $200 million and you want to invest in Hot Startup, you want to be sure they’ll take your money so you can get their shares/tokens for your clients. If anyone that has heard of Hot Startup can give them money (old school ICOs) then the token sale might get bought out before you can get your money in. Sucks to be you right? Nah, you can just lobby for the SEC to create these sorts of rules, limiting the initial sales at the cheapest prices to you and your good ol’ boys club, and now you can proceed to liquidate those tokens to the markets, making a nice chunk of cash in the middle. This is rent seeking, exploiting a regulatory framework meant to protect the consumer.\n\nAnd who gets harmed most by this? You, the person who wanted a chance to buy an ICO for $0.10 that your research tells you will grow to $100. You, the person who knows to only invest what you can afford to lose. You, the person who isn’t rich yet but wants the chance to participate in helping startups grow and see rewards for taking that risk. For a brief shining period of time (2015-2017ish) you had that opportunity. But then the SEC took it away from you and gave it to the rich elites. To protect you from yourself.",
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      "title": "What to do about Technological Unemployment if you have no money",
      "body": "CW: Technological unemployment, financial advice, money, poverty, wealth, you might be fucked, probably read this (it took an hour to write). 2394 words.\n\n\"This is a very depressing conclusion. If technology didn’t cause problems, that would be great. If technology made lots of people unemployed, that would be hard to miss, and the government might eventually be willing to subsidize something like a universal basic income. But we won’t get that. We’ll just get people being pushed into worse and worse jobs, in a way that does not inspire widespread sympathy or collective action. The prospect of educational, social, or political intervention remains murky.\" - Scott Alexander\n\nI've been pressed for solutions on what to do about Technological Unemployment if you have no money and low income. Some of this post will veer into financial advice. I'm going to try to orient this advice to people with no or low income, and I should clearly state that financial advice needs to be tailored to your individual situation, I am not a financial adviser, don't take this as investment advice, yadda yadda disclaimer.\n\nTechnological Unemployment (TU) is going to hit the middle-skill jobs first, then push workers toward both extreme ends of the labor market. My advice is to do everything in your power NOW to be sure you'll move into the high end, or you'll be trapped without a ladder (career path) to the high end.\n\nI do not expect the government will provide viable solutions to these problems, and for that reason I advise avoiding relying on government assistance as much as possible. For that reason I'm going to avoid listing off government assistance programs, but call 211 if you want details on them. (seriously you can just dial 2-1-1 and get a person and be like \"I'm poor, wat do\" and they'll give you a list (of programs that lack funding))\n\nFirst, I need to state some obvious financial principles:\nTo build wealth you must (be able to):\n1. Spend less than you earn\n2. Own things\n3. Compound Interest is THE SHIT, YO\n4. Networking / Connections \"it's who you know\"\n\nThat means my solutions will focus on increasing income, decreasing spending, and acquiring assets.\n\nFor many people their spending is already at bare-minimum survival levels, and their income is fixed or near minimum. There are a number of unusual solutions I've come across in my life that I'm going to share. These options are not exhaustive, some may be obvious, and I may forget some obvious ones, so feel free to comment with what worked for you.\n\n**Increasing Income**\n\nThe most important thing you can do is make more money than you currently make, because this empowers you to increasingly effect your values into the world. Earning money by creating value for someone else is (and should be) a great feeling. You do your \"job\" because it creates value for people, so you should maintain the attitude of trying to create the most value possible with the skills you have. Improving this requires developing desirable skills. The most important skill is the Skill Acquisition skill. Google: 'Learn how to learn,' 'autodidactic'\n\nMost people focus on doing what they're good at, or pursuing what they're passionate about. I believe this is the wrong approach. You should instead focus on \"How do I create the most value?\" If you focus on that question you will start to see opportunities. If you pursue those opportunities you have a much better chance of increasing your income than if you simply focus on the existing job type that sounded nice on the job website. This attitude will force you to remain flexible and agile in your career, and TU is going to demand flexibility, as jobs evaporate, downsize, have their hours or wages cut, etc.\n\nEducation is critical, and frankly most people aren't investing enough into their education. By that I mean, most people don't read textbooks unless they're assigned in school, don't listen to the free business podcasts on Spotify/stitcher/itunes/soundcloud because they prefer music, etc. \nI was taught \"If you want to be a leader, you have to be a reader.\" Also, Buffett on this: https://www.fs.blog/…/the-buffett-formula-how-to-get-smart…/ \nThere is a plethora of college level online learning now available from coursera, Khan academy, edX, udemy, etc, etc. For everything else there's youtube.\nFocus on employable skills, but bear in mind that due to technological unemployment you're going to need more generalizable not just specialist skills! That means you should focus on skills that are useful in many different jobs, and determining which those are can be quite difficult. If I were in this position I would spend time reading job ads on Indeed and looking for common descriptions.\n\nAlso, develop hobbies or side-hustles that produce income. Making things can be good if the price of the crafted good pays a profit after you account for the time and labor input at whatever wage you think you're worth.\nLots of people have hobbies making bullshit for etsy that sells for $20 and took them 10 hours to make. Neat. Value your time more! Education is worth its weight in gold, so focus on that if you can't think of anything else yet. Multitask if you can, maybe knit stuff for etsy while listening to a podcast or coursera lecture.\n\nIf you need job skills you can't find training for online, volunteer or offer your time as an intern. (Here I'm assuming you're on government assistance and have some welfare benefit you'll lose if you get a W2 job) You'll gain resume experience and hopefully some nice references when you apply for the high-paying job that justifies getting off of welfare.\n\nYou can land pretty sweet internships or even jobs by befriending business owners or other well-networked people. It's much easier to get your resume moved to the top of a pile if you have a connection. There are business networking events, but that's not necessarily ideal. People are networking events are usually hungry, looking to self-promote and make sales. There's limited social proof in such a situation, and it's difficult to provide value to strangers. (Remember, providing value to them will increase the chance they'll want to reciprocate and help you out). If you're working on something that requires knowing people you don't currently have access to, attend a relevant networking event and ask people \"I'm working on X, is there anyone here you think I should meet to discuss it?\" until someone agrees to introduce you to the person you need to know. This is much smoother than approaching strangers with a pitch, or awkward small talk.\nLook for industry association meetings (for example, REIA for real estate), or join an organization like Rotary Club or Toastmasters to get volunteer and networking opportunities. This expands your social circle into the sort of people who attend those events, and those are usually the sort of people who run shit.\n\nI realize that I'm assuming you have free time and energy, but frankly if you have time to read this post you have time to watch a youtube tutorial instead. I used to listen to entrepreneurship podcasts while doing menial labor at my old job. Even if you don't have the luxury of wearing headphones at work, you can bring a book for your 15 minute breaks, read on the bus, etc.\n\n**Spending Less**\n\nPoor people fuckin hate it when people criticize their spending habits, but bear with me here.\n1. Can't afford food? **Call 211.** Get food stamps, etc. I can't believe the number of friends I've had who couldn't afford food but refused, out of nothing more than PRIDE, to sign up for food stamps or other government assistance programs. Pride is a luxury, starve your ego, not your body. \nFind your local food pantry and stock up your own, churches often get truckloads of barely expired food from grocery stores and it goes bad before enough people can eat it (I used to work in a food pantry, we got to take home shitloads of bakery excess. SO MANY CALORIES. maybe why I can't eat gluten now. shit.)\nAlso, Trader Joe's dumpsters have some fuckin' great food. I know this first hand. Be wary of the meat, but if the packaging is still airtight just cook that shit well-done to be safe.\n2. You need a budget, and there are excel templates online for free that will help you create one. check reddit.com/r/personalfinance for all sorts of free tools and advice. If you have bank accounts, credit cards, etc. sign up for a site like Mint.com to automate your budgeting (ha, automation, this used to take labor and expertise or hiring a guy. the future rocks!)\nMaybe try the Acorns app, but I believe that does taxable investing and you should focus on tax-advantaged investments first (401k, IRA, HSA)\n3. Buy used, shop thrift stores, yard sales, get free hand-me-downs from friends, etc. \n4. Optimize your spending habits. Instead of $4 at Dunks spend $4 on cheap instant coffee at the grocery store that will make a month's worth of coffee. That sort of thing. Know someone with a costco card? Save up and buy nonperishables in bulk.\n5. TONS MORE of much better advice on reddit: reddit.com/r/frugal\n6. Your health is fucked or you otherwise just can't cut back any further? Join a church and let them know your situation. Seriously, I know. I'm an atheist and this would chap my ass, but religious people get social status and warm feelings out of helping people so really it's a mutual trade-off, and you can legit tell them you're not gonna convert and they'll still do it because of their memetic programming er I mean altruism. But pay it forward, eh?\n7. Rent. You probably live in a High-cost-of-living area. Get as many roommates as you can tolerate. I used to live with 3 people in a 2.5 BR apartment. It sucked, but it I was able to save up for a house, so, worth it. Find roommates through friends-of-friends, craigslist is a nightmare, but also be aware that the current roommates/landlord of the person you're considering are incentivized to lie to you about how great that person is in order to get rid of them. Try to find the person/landlord they lived with prior to their current location for the real truth. Seriously, I've been straight up lied to by my own friends who were trying to pawn off shitty roommates on me, I know how big of a hassle the roommate search can be. \nFailing all of that, run the numbers on moving to a lower-cost-of-living area or place with better job prospects. When I moved to NH I evaluated the economic factors of the state and determined that there was a labor shortage and plethora of rich people, so lots of opportunity to make money providing services to rich folks. (BTW totally paid off, best move ever)\n\n\n\nOk, so now that you've focused your time and self-discipline on increasing your earning potential and decreasing your spending, you should have (some) excess income to put towards:\n\n**Own Things**\n\nThis is the critical component that most people fuck up. This is the differentiator between the middle-class and the upper-middle and upper-classes. OWNERSHIP OWNERSHIP OWNERSHIP. I cannot stress this enough.\nWhat is an asset? Well, there's actually some debate on this (esp. about personal residences) but I'm with the Kiyosaki camp which prefers Cashflowing Assets. These are things you own which have income streams.\nNow, that might mean a dividend producing stock, or bond, or investment real estate, or best: a business. The other asset class I'll call Speculative Assets, and these are things like gold, cryptocurrencies, etc that may increase in value but have to be sold to produce income.\nBoth are great, but cash is king.\n\nBut wait, there's more. Did you know having an account with a credit union makes you a shareholder in that credit union? You can vote at their meetings.\nSimilarly, there are employee-owned companies where employees at all levels are provided shares in the company. I've heard of people who had $100k in stock at 22 because they started as a cashier at 16. These jobs are coveted, so try to find the companies yourself, they won't be posting ads on job sites. \nA number of corporate jobs also offer tuition assistance if you want a free/discount degree.\n\nNow, my futurist advice is to band together with friends and buy things as a syndicate. You can do this with real estate, and for example there are a lot of communes organized this way in the bay area and elsewhere. These are very difficult to manage (people like to move, and then you wind up with tons of shareholders) and I don't envy anyone who puts in the effort, but the payoff can be having a property whose rent you control collectively. Find these on www.ic.org or if you have good organizational skills, found your own. Not sure how? There are library books, ebooks, podcasts, and youtube videos that will teach you, or you can visit existing communes to network and get an education.\n\nSimilarly, cooperatively owned automated manufacturing or similar facilities NEED to happen. We need to collectively own the robots/tech that is replacing us to not wind up destitute or dependent. I might start one myself in a few years if no one else gets around to it. I've passed up opportunities to invest in these sorts of things, and I regret it. Obviously you need someone with the skills necessary to operate a manufacturing facility, which is a tall order, but if you know someone, you can form a business organization (a 10 member LLC is fairly simple) and pool capital (and OWNERSHIP!) to found such a thing.\nIf you can't afford it with 10, look into crowdfunding, like, kickstarter but also look up Equity Crowdfunding methods.\n(This shit is highly regulated and difficult because the government wants to protect you from yourself because you make bad financial choices you silly person)\nYou can invest as little as $100 on sites like WeFunder, and who knows, maybe you double or triple that and have cash to reinvest.\n\nIf you're young, you can afford a higher financial risk profile, so take advantage of compounding interest/returns now.",
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      "body": "CW: Technological unemployment, financial advice, money, poverty, wealth, you might be fucked, probably read this (it took an hour to write). 2394 words.\n\n\"This is a very depressing conclusion. If technology didn’t cause problems, that would be great. If technology made lots of people unemployed, that would be hard to miss, and the government might eventually be willing to subsidize something like a universal basic income. But we won’t get that. We’ll just get people being pushed into worse and worse jobs, in a way that does not inspire widespread sympathy or collective action. The prospect of educational, social, or political intervention remains murky.\" - Scott Alexander\n\nI've been pressed for solutions on what to do about Technological Unemployment if you have no money and low income. Some of this post will veer into financial advice. I'm going to try to orient this advice to people with no or low income, and I should clearly state that financial advice needs to be tailored to your individual situation, I am not a financial adviser, don't take this as investment advice, yadda yadda disclaimer.\n\nTechnological Unemployment (TU) is going to hit the middle-skill jobs first, then push workers toward both extreme ends of the labor market. My advice is to do everything in your power NOW to be sure you'll move into the high end, or you'll be trapped without a ladder (career path) to the high end.\n\nI do not expect the government will provide viable solutions to these problems, and for that reason I advise avoiding relying on government assistance as much as possible. For that reason I'm going to avoid listing off government assistance programs, but call 211 if you want details on them. (seriously you can just dial 2-1-1 and get a person and be like \"I'm poor, wat do\" and they'll give you a list (of programs that lack funding))\n\nFirst, I need to state some obvious financial principles:\nTo build wealth you must (be able to):\n1. Spend less than you earn\n2. Own things\n3. Compound Interest is THE SHIT, YO\n4. Networking / Connections \"it's who you know\"\n\nThat means my solutions will focus on increasing income, decreasing spending, and acquiring assets.\n\nFor many people their spending is already at bare-minimum survival levels, and their income is fixed or near minimum. There are a number of unusual solutions I've come across in my life that I'm going to share. These options are not exhaustive, some may be obvious, and I may forget some obvious ones, so feel free to comment with what worked for you.\n\n**Increasing Income**\n\nThe most important thing you can do is make more money than you currently make, because this empowers you to increasingly effect your values into the world. Earning money by creating value for someone else is (and should be) a great feeling. You do your \"job\" because it creates value for people, so you should maintain the attitude of trying to create the most value possible with the skills you have. Improving this requires developing desirable skills. The most important skill is the Skill Acquisition skill. Google: 'Learn how to learn,' 'autodidactic'\n\nMost people focus on doing what they're good at, or pursuing what they're passionate about. I believe this is the wrong approach. You should instead focus on \"How do I create the most value?\" If you focus on that question you will start to see opportunities. If you pursue those opportunities you have a much better chance of increasing your income than if you simply focus on the existing job type that sounded nice on the job website. This attitude will force you to remain flexible and agile in your career, and TU is going to demand flexibility, as jobs evaporate, downsize, have their hours or wages cut, etc.\n\nEducation is critical, and frankly most people aren't investing enough into their education. By that I mean, most people don't read textbooks unless they're assigned in school, don't listen to the free business podcasts on Spotify/stitcher/itunes/soundcloud because they prefer music, etc. \nI was taught \"If you want to be a leader, you have to be a reader.\" Also, Buffett on this: https://www.fs.blog/…/the-buffett-formula-how-to-get-smart…/ \nThere is a plethora of college level online learning now available from coursera, Khan academy, edX, udemy, etc, etc. For everything else there's youtube.\nFocus on employable skills, but bear in mind that due to technological unemployment you're going to need more generalizable not just specialist skills! That means you should focus on skills that are useful in many different jobs, and determining which those are can be quite difficult. If I were in this position I would spend time reading job ads on Indeed and looking for common descriptions.\n\nAlso, develop hobbies or side-hustles that produce income. Making things can be good if the price of the crafted good pays a profit after you account for the time and labor input at whatever wage you think you're worth.\nLots of people have hobbies making bullshit for etsy that sells for $20 and took them 10 hours to make. Neat. Value your time more! Education is worth its weight in gold, so focus on that if you can't think of anything else yet. Multitask if you can, maybe knit stuff for etsy while listening to a podcast or coursera lecture.\n\nIf you need job skills you can't find training for online, volunteer or offer your time as an intern. (Here I'm assuming you're on government assistance and have some welfare benefit you'll lose if you get a W2 job) You'll gain resume experience and hopefully some nice references when you apply for the high-paying job that justifies getting off of welfare.\n\nYou can land pretty sweet internships or even jobs by befriending business owners or other well-networked people. It's much easier to get your resume moved to the top of a pile if you have a connection. There are business networking events, but that's not necessarily ideal. People are networking events are usually hungry, looking to self-promote and make sales. There's limited social proof in such a situation, and it's difficult to provide value to strangers. (Remember, providing value to them will increase the chance they'll want to reciprocate and help you out). If you're working on something that requires knowing people you don't currently have access to, attend a relevant networking event and ask people \"I'm working on X, is there anyone here you think I should meet to discuss it?\" until someone agrees to introduce you to the person you need to know. This is much smoother than approaching strangers with a pitch, or awkward small talk.\nLook for industry association meetings (for example, REIA for real estate), or join an organization like Rotary Club or Toastmasters to get volunteer and networking opportunities. This expands your social circle into the sort of people who attend those events, and those are usually the sort of people who run shit.\n\nI realize that I'm assuming you have free time and energy, but frankly if you have time to read this post you have time to watch a youtube tutorial instead. I used to listen to entrepreneurship podcasts while doing menial labor at my old job. Even if you don't have the luxury of wearing headphones at work, you can bring a book for your 15 minute breaks, read on the bus, etc.\n\n**Spending Less**\n\nPoor people fuckin hate it when people criticize their spending habits, but bear with me here.\n1. Can't afford food? **Call 211.** Get food stamps, etc. I can't believe the number of friends I've had who couldn't afford food but refused, out of nothing more than PRIDE, to sign up for food stamps or other government assistance programs. Pride is a luxury, starve your ego, not your body. \nFind your local food pantry and stock up your own, churches often get truckloads of barely expired food from grocery stores and it goes bad before enough people can eat it (I used to work in a food pantry, we got to take home shitloads of bakery excess. SO MANY CALORIES. maybe why I can't eat gluten now. shit.)\nAlso, Trader Joe's dumpsters have some fuckin' great food. I know this first hand. Be wary of the meat, but if the packaging is still airtight just cook that shit well-done to be safe.\n2. You need a budget, and there are excel templates online for free that will help you create one. check reddit.com/r/personalfinance for all sorts of free tools and advice. If you have bank accounts, credit cards, etc. sign up for a site like Mint.com to automate your budgeting (ha, automation, this used to take labor and expertise or hiring a guy. the future rocks!)\nMaybe try the Acorns app, but I believe that does taxable investing and you should focus on tax-advantaged investments first (401k, IRA, HSA)\n3. Buy used, shop thrift stores, yard sales, get free hand-me-downs from friends, etc. \n4. Optimize your spending habits. Instead of $4 at Dunks spend $4 on cheap instant coffee at the grocery store that will make a month's worth of coffee. That sort of thing. Know someone with a costco card? Save up and buy nonperishables in bulk.\n5. TONS MORE of much better advice on reddit: reddit.com/r/frugal\n6. Your health is fucked or you otherwise just can't cut back any further? Join a church and let them know your situation. Seriously, I know. I'm an atheist and this would chap my ass, but religious people get social status and warm feelings out of helping people so really it's a mutual trade-off, and you can legit tell them you're not gonna convert and they'll still do it because of their memetic programming er I mean altruism. But pay it forward, eh?\n7. Rent. You probably live in a High-cost-of-living area. Get as many roommates as you can tolerate. I used to live with 3 people in a 2.5 BR apartment. It sucked, but it I was able to save up for a house, so, worth it. Find roommates through friends-of-friends, craigslist is a nightmare, but also be aware that the current roommates/landlord of the person you're considering are incentivized to lie to you about how great that person is in order to get rid of them. Try to find the person/landlord they lived with prior to their current location for the real truth. Seriously, I've been straight up lied to by my own friends who were trying to pawn off shitty roommates on me, I know how big of a hassle the roommate search can be. \nFailing all of that, run the numbers on moving to a lower-cost-of-living area or place with better job prospects. When I moved to NH I evaluated the economic factors of the state and determined that there was a labor shortage and plethora of rich people, so lots of opportunity to make money providing services to rich folks. (BTW totally paid off, best move ever)\n\n\n\nOk, so now that you've focused your time and self-discipline on increasing your earning potential and decreasing your spending, you should have (some) excess income to put towards:\n\n**Own Things**\n\nThis is the critical component that most people fuck up. This is the differentiator between the middle-class and the upper-middle and upper-classes. OWNERSHIP OWNERSHIP OWNERSHIP. I cannot stress this enough.\nWhat is an asset? Well, there's actually some debate on this (esp. about personal residences) but I'm with the Kiyosaki camp which prefers Cashflowing Assets. These are things you own which have income streams.\nNow, that might mean a dividend producing stock, or bond, or investment real estate, or best: a business. The other asset class I'll call Speculative Assets, and these are things like gold, cryptocurrencies, etc that may increase in value but have to be sold to produce income.\nBoth are great, but cash is king.\n\nBut wait, there's more. Did you know having an account with a credit union makes you a shareholder in that credit union? You can vote at their meetings.\nSimilarly, there are employee-owned companies where employees at all levels are provided shares in the company. I've heard of people who had $100k in stock at 22 because they started as a cashier at 16. These jobs are coveted, so try to find the companies yourself, they won't be posting ads on job sites. \nA number of corporate jobs also offer tuition assistance if you want a free/discount degree.\n\nNow, my futurist advice is to band together with friends and buy things as a syndicate. You can do this with real estate, and for example there are a lot of communes organized this way in the bay area and elsewhere. These are very difficult to manage (people like to move, and then you wind up with tons of shareholders) and I don't envy anyone who puts in the effort, but the payoff can be having a property whose rent you control collectively. Find these on www.ic.org or if you have good organizational skills, found your own. Not sure how? There are library books, ebooks, podcasts, and youtube videos that will teach you, or you can visit existing communes to network and get an education.\n\nSimilarly, cooperatively owned automated manufacturing or similar facilities NEED to happen. We need to collectively own the robots/tech that is replacing us to not wind up destitute or dependent. I might start one myself in a few years if no one else gets around to it. I've passed up opportunities to invest in these sorts of things, and I regret it. Obviously you need someone with the skills necessary to operate a manufacturing facility, which is a tall order, but if you know someone, you can form a business organization (a 10 member LLC is fairly simple) and pool capital (and OWNERSHIP!) to found such a thing.\nIf you can't afford it with 10, look into crowdfunding, like, kickstarter but also look up Equity Crowdfunding methods.\n(This shit is highly regulated and difficult because the government wants to protect you from yourself because you make bad financial choices you silly person)\nYou can invest as little as $100 on sites like WeFunder, and who knows, maybe you double or triple that and have cash to reinvest.\n\nIf you're young, you can afford a higher financial risk profile, so take advantage of compounding interest/returns now.",
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