The truth is not all it’s cracked up to be

Politicians know this very well and so do a great deal of avoiding the truth. They have figured out most people can’t handle the truth (where did I hear that before?).

We say we want the truth, but not really. The truth makes us uncomfortable, it challenges our points of view and pre-conceived ideas. Pick a subject, for example immigration, welfare, Social Security, foreign aid. What many people believe about these subjects is not true, but don’t tell them that, actual facts only get in the way of their own “facts.”

I learn about truth every day, don’t upset the apple cart. Don’t ask question, especially pointed questions, don’t upset people. I read a blog where a woman blogger gives money management advice. People write to her with their stories of financial problems and she analyzes their situation with recommendations. Some of the things people relate, have done or not done are ridiculous, even sad and stupid. How’s this?

A 32 year old has thousands in debt on seven credit cards, she is financially subsidized by her parents to about $900 a month, but spends $160 per month on singing and dance lessons. No “well done” comment from me.

Nevertheless, most reader comments are filled with only positive things, all fluff and empathy. Rarely is anything questioned.

Meanwhile the blogger and her husband retired in their 30s. She takes pride in flaunting her frugal ways which include buying their children’s clothes and toys at garage sales and thrift shops – while they spend $50 – $150 per month on beer and wine. No comment required?

Well, that’s not true, I question some of the statements on the blog. I ask questions to clarify apparent conflicting information. My comments are never published.

On another blog a person who retired at age 38 and claims a net worth of $2,700,000 including the value of his home refuses to say what portion of his net worth is the home. He and his family do extensive traveling using airline points, but ask how those miles were accumulated in the first place and no reply.

I have been told I ask too pointed questions. I guess that’s true. I don’t accept much at face value for sure. Generally, to ask a pointed question is to question (someone) closely in order to verify facts, or information previously given. That’s seems reasonable to me especially when you do so at a distance such as blog posts. Nevertheless, I’ve been told my questions upset people. My questions are not rude, insulting, or crude.

Let me give examples. A person claims to live a comfortable retired life on Social Security. I would ask, how? A person describes a process or difficulty with a task and I ask, “do you really think it is that difficult.” A person describes the trials and tribulations of doing something and I ask, “are you sure you were meant to do that.” How obnoxious can a person be?

Here’s the thing, don’t be afraid to disagree with me, to challenge my comments, to ask pointed questions here – just be civil and courteous when doing do.

10 comments

  1. Politicians ≠ Everyone Else. (paraphrasing) Politician: “When I say something, it means just what I choose it to mean — neither more nor less.’

    Everyone Else: ’The question is whether you can make words mean so many different things.’

    Politician: ’The question is which is to be master — that’s all.”

    For politicians, many, sometimes a majority know the truth … but prefer to avoid.

    The rest of us? Sometimes it appears to be a lot of willful ignorance.

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    1. When it comes to retirement preparation, you may want to read:

      How Well Do People Perceive Their Retirement Preparedness?, June 6, 2023, Boston College Center for Retirement Research.

      https://crr.bc.edu/how-well-do-people-perceive-their-retirement-preparedness/

      Can’t be sure this index calculation is always 100% accurate, but, probably reasonably accurate.

      The brief’s key findings are:

      Most households in the National Retirement Risk Index have a good sense of whether they are on track for retirement:
      40 percent are in good shape and know it.
      20 percent are in trouble and know it.

      The rest are either “not worried enough” or “too worried.”

      Those “not worried enough” are more likely to have higher incomes and may misjudge how much their assets can provide. While this group is in the most danger of saving too little, even those who do recognize they are in trouble may not act unless prodded.

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  2. Dad raised us to basically MYOB when it comes to finances (among other things). Don’t complain, or brag, about your own, and don’t get too nosy about others. That’s why I say I “think” three of my sisters live on SS only (I’m …almost… positive Dad did) and my oldest sister, last I heard, is worth between one and three million dollars (farm land). I could be way off, but, it just doesn’t matter. I talked to four of them last Sunday on Facebook video and it never comes up.
    I don’t buy second hand clothes because I’m 6’5″, but I do shop for bargains. Levis have always been comfortable and durable, but I don’t recall ever paying full price. I will buy on significant sales, or settle for cheaper similar brands.
    You can’t buy beer or liquor at a second hand store, but $150 a month isn’t really that much (in the good old days, I don’t think I’ve spent $150 a year in this century.)

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  3. I think the big offenders blogging or commenting on blogs are the retire early people and the people who claim to be comfortable on Social Security alone. Neither group is fully laying out their true support. With that said people are always touchy when talking about their finances.

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    1. I noticed that a lot of the FIRE people who are “retire” are hard at work growing their own food and are writing articles or blogging for money. I don’t call that being retired. That is more like some one who is living off grid. It is just dropping out of the normal rat race 9-5 job and finding something else to do.

      I retired at 55 and depend on my pension and 401K only. I have not yet apply for social security and I am not doing any side hustles to make ends meet. I have not lowered my standard of living or cut back on trips. In fact, the trips are longer because I have the time now. My income is matching my base pay when I was working. Inflation is starting to hurt me but once I start collecting social security that will make up for the inflation.

      Being retired and writing for a blog and getting a little bit of money is a paid hobby. I wish that I had a paid hobby. If you are making too much money than it has become another job.

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  4. Totally agree with your point. It’s a little bit like “ monkey see monkey do”. The same ambivalent nonsensical monetary policy many individuals have, are the same ones most of our politicians have. One look at our national debt will explain it all.
    The solutions to any financial mess will not be popular.

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  5. When I was young this was called critical thinking. Now if you question anything you are called names and cancelled.

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    1. You’re not doing anything wrong.
      Don’t post your circumstances if you don’t want scrutiny!

      Open honest constructive dialogue is always good.
      I am direct too and I like being honest.
      I was raised that ‘ Honesty is the best Policy’
      Some people think the truth hurts!

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