Many things are percolating within my mind today. First off personally I cannot stand “water-cooler” conversations, that being said however I was caught in one with a couple of co-workers this morning and it made me want to rant/opine.
I am 27 years old, almost 28. Often people say the same things to me/ask me similiar questions, such as: What are my plans for the future? Are you going to get married soon? Why aren’t you and Val living together at least? Why don’t you get a car? When are you going to settle down/have kids? You have to buy a house! It’s a great investment! What, you don’t have credit? you NEED credit! I could go on but I think you get the point.
People are often shocked and surprised at my philosphy of life and my opinions. They just can’t understand it…the idea that I am going against the norm, the idea that I reject many common ideas that are out there in society.
Apparantly I don’t know what I am doing (tongue firmly implanted in cheek). Well because I am a bit cranky today I figured I might answer a few of these questions…
What are my plans for the future? My plan is simple. Be more and do more.
Are you going to get married soon? Marriage is a possibility, but not a priorty. There are just as many reasons to run to the nearest chapel as there are to avoid it like the plague. Wait I can hear it now…but don’t you love Val…don’t you want to settle down? Shame on you if those were your thoughts. What about not being married means that I love Val any less? My problem with settling down is the word “settle” no thanks I am not going to settle in my life ever! And my last comment on this one is…what is the rush?
Why aren’t you and Val living together? To answer a question with a question (I’m horrible I know) Why move in together before getting married? I think that a lot of times people ask this question because they “moved in” with their significant other and some part of them feels guilty and/or they can’t understand that some people actually have standards and values. I am in no way a “conservative” and my reasoning for not moving in together has nothing to do with religion or any of that. My reason is simple. I see absolutely zero benefit to it. So if it doesnt enhance the quality of my life I really don’t see the need to rush out and do it because “society” says that I should. No offense to anyone out there but “society” doesn’t have all the answers.
Another of my favorites is…what about kids, don’t you want to have kids? Honestly…no I don’t at least not right now.
What how can you not want kids? You don’t like kids, what’s wrong with you? The answer is simple. I have the guts to stand up and say that I am far too irresponsible to have children at this point in time. I have far too many other “selfish” things that occupy my mind and I will not under any circumstances bring a child into this world until and or unless I am capable of being an effective parent. Having kids is expensive and it limits a lot of what you can do in your life. Personally I have too many ambitions and things that I want to achieve and having children would slow my progress. There are benefits to kids, and every single person I know loves their kids and says tells me that they are treasures…and I have absolutely no reason to doubt that or to disagree, it’s just not for me right now. Again I ask…what’s the rush.
Okay now to my biggest pet peeve! You need to buy a house! Let me be perfectly clear about this. No! The most common misconception in the world today is that a house is a great investment and that it is an asset. I’m sorry folks but it is not an asset unless you paid cash and actually “own” it. Even then…I’m not too sure if it could be considered an asset because of the upkeep, the taxes and the devaluation. The way I look at it is, if a house costs lets say 175,000…well then since I don’t have 175k in my pocket (or in a shiny silver briefcase) I would then have “finance” it. Yikes, that is a scary word. Finance. So a bank is going to give me $175k to purchase the house and then guess what…I owe the bank. Because they know you didn’t have 175k to start out with they offer you a handy dandy payment plan that lasts what…30 years…and includes how much interest? So how much will the house actually cost me in the end? And how long until I actually own it? How much profit and or earnings have I made from my “asset”
Oh I am sure there are many people who think that I am naive or don’t understand the process. To them I say, alright well that may be but I am happy renting and here are just a few reasons why. I can move anytime I want. If something breaks, I call maintenance. I spend almost zero on upkeep/building costs. Some of my utilities are paid, and because the space is smaller the utilities I do pay for are a fraction of the cost of a homeowner. So am I really throwing my money away?
But don’t you want a home? A place to call your own? With no noisy neighbors. My answer is: Home is what you make of it.
This leads me to credit in general. For years I thought oh man if I only had credit. Then I could buy this or that. I could get a fancy new car, buy a house, get a powerhouse computer etc etc etc. The problem I have found with this mentality is that it feeds into our natural greediness as humans. I share a car with Val. We paid $800 for it, cash. We own it. There are no car payments. I know several people who have $800 a month car payment. A month! I am typing this blog post on my laptop. I purchased it for $325 cash at walmart. Walked in, handed them the $ and walked out. No payments, I own it, its mine. The end. I owe no one. I honestly believe that we would be better off as a “people” if we could move away from this idea of “things” If I can’t afford something, then one of two things is true: either I don’t need it or two, if I do need/want it then I should save up until I can own it. Odds are that if the gratification of the purchase is delayed by the time it comes around time to buy it and I have saved up enough money I might not even want it anymore. Now imagine if I had bought it on day one via “credit” before I had “earned” it. Well then I wouldn’t even own something that I don’t really want. So I am not a big fan. I don’t need credit. I just don’t.
If I work hard and spend less than I earn I can amass a fortune. And what is a fortune to me? Less than you could possibly imagine. But I will save that for a future post, I’ve been far to0 longwinded.
Hope you enjoyed my rant and I am sure that I have at least partially incensed you…if not well then I am not doing my job now am I?
Till next time – rock and/or roll!
Note: To avoid any confusion, I did not say that I will “never” get married, or “never” have kids. And also just for further clarification let me say that this posting is in no way intended to offend anyone who has differing views or life experiences. Not in the least. The way I look at it is…if you are happy, then that’s all that matters. And you know what? I am happy! People often judge far too quickly…and everyday I do my best to accept other people and their opinions…
I am not perfect and it is one of the hardest things to do in life but non-judgement is something to aspire to. Something noble.