If civilization is getting more and more advanced and wealthy as a whole, if all billionaires practice massive philantropy all over the place, if all major religions preach donations and saving those in need and have doing so for thousands of years, and if social science and politics promess so much sharing the spoils amongst all members of this big family of humanity, why is that all of this crap keeps never working?
Because the powerful people are lying, as they always did. All of this campaing for salvation is just bullshit. Charity was elevated to a main value in the world because it serves to rule the masses with big illusions, and to keep them under control, spiritually oppressed and diminished.
Charging the guilt of men
As the Second Temple was destroyed in Jerusalem, being that a fulfilment of Jesus words, a younger rabbi was lamenting about the loss of their way of living. A older rabbi then talked to him, saying this: “don’t you worry, what we lost with the Temple we will regain with Charity.”
Said and done.
That’s a formula to be used to the end of the world.
Men just don’t deserve to live. That is a fact that more or less everybody knows or at least feels. I am not talking about men as a collective, because that men don’t even exists. I’m talking about we individually. Since birth we received a life without ever doing anything to actually justify it, nor to justify none of the good things that have ever happened to us. In top of that, we know that we do the oppose: we do evil. We not only don’t deserve to live, but we really deserve to die. Whoever can’t see this is a morally and spiritually blind person. Stop the denial. And I am not going to waste my time proving that. Because if you deny it, you should not waste your time here, instead should go find a mirror in front of you, and some honesty inside you.
Guess who knows all this stuff I am saying? Religious mobsters.
They found a very profitable business, the most profitable of all business, that became the very raison d’être of all religions: charging the guilt of men.
Although the true tribute of all life is the Love of Jesus, the only true justice in existance, and the very liberation from all accusation by forgiveness and mercy, the gang of liars build the taxation of men by men, geting God out of the way.
Its not only about money. Money is the less important thing here. Its all about power, influence, control, dominion.
Expanding real guilt by denouncing the fake ones
The most insane part of this is that doing so, the rulers of this world actually do expand the real guilt of the ignorant masses.
Blocking the way to the knowledge of Jesus and of the true Gospel, the slavemasters replace the simple truth with a very deep and complex system of accountability. Accusing false guilt, like the pleasure in life that could be lived by Grace in tune with Love, the impostors make life so hard and bitter, that their victims fall only more weakened in their hands.
And that all is by justice, because Jesus can always be found by those who look for him. He said that, and none word from him goes in vain: he promessed that he would not lose one single person that the Father have designed to be saved by him.
The only real guilt of men is denying and rejecting the Love of God. And the religious system creates such a strong fortress of confusion to charge false sins, that the real one keeps going missed.
Retail charity and Wholesale charity
Here and there people try to aliviate their consciousness by doing charity in retail.
That, of course, is never enough.
What they should be doing is going after Jesus to true repentance, to receive true forgiveness and Love, and further instructions from the wisdom of the Lord. But no, they can’t just do that. They don’t want to really look to the darkest parts of their lifes and change anything. Most people prefer to keep going wrongly spiritually, serving the world and rebelling against God. So, they keep doing charity to pay for their sins.
The thing becomes inefficient after a while, requiring a more broad solution that works for everybody and makes things easy. Religion provides that, a wholesale business solution, as well as the secular branch in the operation of lies brings the brand new recycled solution of philantropy.
As you can see, this world always provides a chance to every fellow human to pay his price.
God and his Love, though, keeps being ignored and despised.
Until the end, that is coming. Fast.
Jesus, the Redeemer
No one of us can pay the price to justify our living.
The price is just too high, because we are so much loved.
So, the only solution is to God himself do the payment. The Golpels bring the good news that this has already been done, once and forever, by Jesus Christ, the Lord of the Living and the Dead.
And this is the reason why this world, with all this profitable business going on, hates Jesus and the Gospels so much. Its a killing desire to vanish and to ban all good news, so they can keep going on running their dark system.
And, of course, the christian religions are the most guilty of charge for this, like the jews were before them in the times of Jesus.
All nations, including the “christian” ones, drunk from the wine of the big whore of this world, Mystery Babylon, the Great Mother of all Harlots and Abominations of Earth.
In my last 10 years of awakened life (thanks to Jesus, all Glory for Him forever), I realised more and more how so many people keep living like clowns, pretending to be happy as if that was a job to be done.
Life suck, and so many people hate the most part of it, but they can’t get away from pretending that everything is going just fine.
I did my many mistakes, for sure, but I never blended well in this play. I always tended much more to the cynical side, and naturally I paid for this in form of indifference and judgement. The truth, however, was not in cynicism against the big lie of society, but in a deeper realm of existence, the spiritual dimension of life.
Complaining doesn’t work
The easiest escape to the problem of impotency against a life that sucks is the teenager métier of complaining.
Just protest against it. Say things are wrong and that you can’t compromise with this bullshit.
You can go on and on with that, until you realise that nothing changes because of your brave campaing for justice. And why is that?
Something must be so wrong with this world! Yes, the whole thing is rigged, its a massive conspiracy!
Then enters the political revolutionary phase of complaining, which is more intellectually sophisticated then the previous one, but not necessarily more mature. Actually, is kind of the same tantrum of always. But the rational of it gives you the illusion of power and authority. You start to think that being a rebel can work after all.
But this is not yet true rebellion. Clock is ticking, and you still wants to live a good life.
After some time doing this resistance play, you start to see “normal” people going fine with their lifes, at least apparently, and secretly you ask yourself if you are not being just a whining loser.
The Right Hand of the Devil
Enters the the Pact with Death: time is passing, we need to hurry.
Doens’t matter to have justice in the world anymore. Who cares?
The simple fact is that your time in this world diminishes every second, and you could always be enjoying it more.
So, the solution is to rush for all things you want to do. Its the Right Hand of the Devil: do as thy wilt. Its also called in the Bible as the “Pact with Death”, because you are losing life as it was a scarce resource. That is a lie. Life is forever. But that is in Jesus only. Whitout knowing and believing in Jesus, how can you escape the tempting offer of living as there was no tomorrow?
There is even a famous latin quote used to share this idea, the famous “carpe diem“. The full quote is “carpe diem quam minimum credula postero“, which is actually spiritually much better then the modern cut version, but this world doesn’t care. The big sale of the day is: run for your lives!
The big irony here, and the reason why this is a Pact with Death, is that when you try to live the most in this world for fear of losing your opportunity, you are being ruled by Death. Instead of being a lover of Life, you become a lover of Death. Yes, Death is your master, because Life is this weak, short, scarce thing that you have to hold carefully like if was carrying water with your bare hands. Death rules you! Because you are so afraid of losing this short years you have. In the other hand, if you truly loves and believes in Life, you disregard Death, asking with Jesus: “Death, where is thy sting?“
Jeasus DEFEATED Death.
Death entered this world as a product of illusions and lies. With all things restored and healed by Jesus, Life is forever, and Death is no more.
There is the irony: people greedy for Life loved Death, and the people tho loved Life despised Death.
But in most cases people miss the good news of Jesus, being because of stubborness, listening to bad preachers, whatever.
The lust for this life, then, this Pact with Death, can endure for a long time, even to the end, but there is also a possibility for an upgrade in the ways of the Enemy.
The Left Hand of the Devil
Enters Gnosticism, the deepest Pact with the Devil.
Gnosis is the name of the supposed enlightment about the nature of our reality. And that is a reality of a prison.
Yes, we are trapped, locked in this world, and nobody knows where the keys are to open this thing and get out of here!
You see, intelligent and sensible people can’t be fooled by the Right Hand for too long. That just doesn’t work for them very well, because they keep feeling that something is deeply wrong with this world.
Truth to be said, the masses loves the Right Hand solution, but the leaders of this world, the people with the greatest potential, can’t get happy with that cheap lie. No, they need a big one.
And of course there is a big lie to be sold, always.
The offer is from the Tree of Knowledge, and the fruit of that tree is Gnosis.
Gnosis can take many forms, but basically is just the promess of liberation from the trap of this world by works of ascension. That can be religion, philosophy, science and technology, whatever it takes to promess a way of geting out of here.
The illuminated ones are initiated in the mysteries, and they go on with the big lie that is –and again irony enters the stage– the construction of the very culture that keeps people locked in the illusions of this world!
Its actually a gigantic spiritual joke. But its not a funny one, its a demonic farse.
Along the way, some people die going literally crazy with the pressure of the Left Hand. Nihilists become suicidal, because Gnosis ever promess but never delivers, since Adam and Eve. The best people die before. Depressed, addicted to drugs, they go to the point of no return in this life.
But some people go ahead in the big Pact.
Working for Satan
Success is the cheapest product in this brothel that the Devil created.
Every new generation is invited to get along in the big project of building civilization. Most of them don’t realise they are working for Satan. They don’t have time to lose with conspiracy theories to spooke kids, they are grown adult people that have a serious job to do. They are building a successful life, whatever that is to them.
These are the naive servants of the big lie, ignorant collaborators that come and go in each generation.
But there is one very special elite, the 1% of the 1% in the top of this pyramid scheme, that do the real deal, the deepest pacts with the big boss of this world, and believe me, you don’t even want to know what they do to get to the top. I am going to talk about it later in this blog, because I need to, but trust me, it ain’t pretty.
The secret of serving Jesus
So, here we are, living in a world that doesn’t make too much sense, and not having too much to do about it.
Those that don’t want to play along since they are young, eventually are going to play the game anyway. In the best case scenario, they fall to the Right Hand. In the worst, they go with the Left Hand.
But then a miracle happens. A big one, that we never deserved.
The true Creator of all things reveals Himself to us sending His Son, Jesus Christ, with the only truthful good news that can be: the truth of Love.
The solution for the rigged game of life is not to play the game.
You can’t lose a game that you don’t play.
Its so simple that we can actually perceive the whole existence as a true comedy.
It is almost tragical for the liars, both the fallen angels and their minions of this world, and for the shy heartened people that still refuses Jesus, but they pay what they owe. And that is why there is no real tragedy in all of this, even with the great suffering, because Justice really rules.
About the problem of suffering, I will address later on detail, when I will talk about the the meaning of the Passion of Jesus to us.
But here is, for now, the big secret of serving Jesus that this entire world ignores: those who refuses to serve will be always ruled, and those that wants to serve will be served themselves as rulers.
Jesus is the Lord of Lords because he is the greatest servant of all, the Lamb of God offered in sacrifice for the salvation of the entire Creation. Jesus is the shining never ending light, the true Justice of God, the Way, the Life, the Ressurection.
The secret of serving Jesus is that we are served by Him.
I guess your broke and failed religion never told you that, right?
The secret of Life is Love.
Its a secret that this world will never get to the very end.
But who cares?
This world will burn. Let it burn.
Leave the world behind with a smile. Life is ahead, forever.
After I introduced my friend to japanese professional sumo (called Ozumo), he decided to build a local podcast about it. He already did some two or three shows, presenting the rules and commenting on the last championship (called Basho). I helped him. Now, I want to make a game. I told him, “gamification is the hot thing now”, but actually sumo games exists for a while. So, how will this thing work, and why to even bother making a new sumo game after all?
It works like a betting game without real money, designed more like an investment platform that rewards both luck (the speculative gambling part) and actual knowledge and research (the rational investment part). Beyond this important ballance, I found very important to build a systems that works for both old and new players, giving an incentive to everyone’s participation. Those who knows Ozumo already can have some fun competing with other connoisseurs, and new people are invited to get in and learn more about the sport. Basically, you can invest in the wrestlers (called Rikishi) careers, collect some profits every Basho, and do your very own long term strategy.
What is Ozumo?
Ozumo, or “The Grand Sumo”, is the Professional Japanase Sumo, the national sport of Japan. It is very old (some say its about 1,000 years old) and is managed by the Japanese Sumo Association (called Nihon Sumo Kyokai).
The sport is practiced by the rikishi in the stables (called Heyas), under the leadership of retired rikishi (called Oyakata). They characteristicly wear only a belt (called Mawashi), having all the remaining body exposed. All rikishi are positioned into a oficcial ranking system (called Banzuke).
There are no weight divisions in Ozumo, and women are not allowed. There are six main divisions in the sport, four non-sallary divisions (the rikishi are sustained by their Heyas alone), and two sallary divisions (called Sekitori, where each rikishi receives a salary and lots of perks and incentives, not to mention the status). The inferior divisions, from bottom to top, are Jonokuchi, Jonidan, Sandanme and Makushita, and all these rikishi uses a simple mawashi made of cloth. The superior divisions are the Second (called Juryo), and the First (called Makuuchi), where the rikishi uses mawashi made of silk.
In the makuuchi division there is a inner special group of rikishi in the top of the banzuke, called Sanyaku, composed of the most prestigious and successful rikishi at the moment. They occupy the ranks of Komusubi, Sekiwake, Ozeki and Yokozuna.
The bashos happens six times in the year, every two months, in all odd months, and they take place where is a special designed arena (called Dohyo). They last 15 days, starting in a sunday and ending in a sunday. All rikishi in the four inferior divisions compete for 7 days. The sekitori compete in the full 15 days. Their objective is to have more wins then losses (called Kachi-koshi), so, at least 4 wins for non-sallary rikishi, and 8 wins for the sekitori. The winner of the basho in each division is decided by the most number of victories. A playoff may be done in the last day to untie scores and decide the winner.
Kachi-koshi makes a rikishi ascend in the banzuke, being promoted to higher ranks, while more losses than victories (called Make-koshi) makes the rikishi fall, being demoted to lower ranks.
The rules to win are simple: without hurting your opponent (no punches, nor kicks are allowed), throw him down to the ground or out of the dohyo.
There is no ties in sumo, and this is actually a special thing for their shinto culture, that there must be a winner in every clash. A judge (called Gyoji) is designed to point the winner of each bout. There are five oyakatas around the dohyo (called Shimpan) that can call for a meeting to decide over an controversial decision of the gyoji. In case of doubt, a rematch (called Torinaoshi) can be set.
All rikishi dream to get to sekitori one day, but in a thousand only some 5% get there. The basic thing they need to do to get there is to train a lot in the heya, be competitive in the bashos, having lots of kachi-koshi consecutivelly, and if possible to win some special prizes or even to be the champion (called Yusho) in a basho.
Good rikishi normally gets to makushita, but there they face real ferocious competition from other good rikishi that also aim to reach or regain sekitori status, specially in the upper half of the division.
Those that can get into juryo enter a whole new level of challenge, with kachi-koshis costing the double of victories they were accostumed to get, 8 instead of 4 for each basho. With consistent victories it is possible to reach makuuchi and even the lower sanyaku ranks (if there are any available slots). The two great ranks of Ozumo, however, are specially challenging, having special rules for both promotion and demotion.
To be an Ozeki, a rikishi must, holding the rank of sekiwake, sum at least 33 victories in the last 3 bashos, or an average of 11 victories per basho. Being an ozeki, a rikishi can be demoted if he fail to do kachi-koshi for two subsequent bashos, though he can regain the rank if, as demoted to sekiwake he immediately performs at least a 10-5 kachi-koshi in the very next basho (a system called Kadoban).
To be an Yokozuna, a rikishi must, holding the rank of ozeki, win two yushos subsequently, or perform very close to that, like being a yusho and a vice-champion (called Jun-Yusho) consecutively. A yokozuna can’t be demoted. He will hold the rank as long as he can perform worthily his duty, after what he retires (called Intai).
Both promotions to ozeki and to yokozuna depends on a judgement beyond this objective criteria, since the japanese society expects a honorable behavior from this rikishi. Dishonorable behavior can not only prevent a rikishi from acquiring the superior ranks, even with the objective criteria attended, as can be as a well a strong reason to forced retirement on those that already holds that ranks.
How the Ozumo investment game works?
What I have learned playing some other ozumo games is that two ballances are required to make the experience as better as possible: the ballance between luck and strategy (a common conceptual problem to the gaming theory), and the ballance between old players and new comers.
To solve the first issue, I created the concept of investing virtual cash in the rikishi career. That makes possible to just weight properly the bettings with this quantitative measure, escaping the problem of the binary restriction of most games with the only possibility of win/lose. Now the player can spread his virtual resources (an initial virtual $1 million) into different rikishi and in different proportions, increasing the role of strategy over the results of pure luck.
To solve the second issue, I created the two rankings system, so both old players and new ones can be encouraged to engage. Old players don’t want to lose their prestige as veterans, and want to receive some perks that comes with that. New players, by their part, don’t want to be put behind just because they came after. The solution is the two rankings system, that I will explain in more detail below. Everybody can get happy with this.
But, how do we play this game, after all? Each player must follow this steps:
Pick your rikishi and make your investments before each basho;
Earn your profits after the basho;
Reinvest your cash and collect your intai cashbacks.
Picking your rikishi
The players can invest only in sekitori rikishi, juryo and makuuchi.
To every rikishi there are shares issued, in unlimited number, priced according to the ranks. Shares can be purchased in the “open market” in a fixed price. The prices are these:
Juryo: $1 per share;
Maegashira: $2 per share;
Komusubi/Sekiwake: $4 per share;
Ozeki/Yokozuna: $8 per share.
The player can use all of its initial cash to invest, or can leave some in reserve.
The shares can’t be sold back in the open market, but players can trade between themselves with discounts freely negociated.
The virtual net worth of each player is measured by the sum of value in cash with the value in shares under hold.
The purchase season opens with the publishing of the banzuke, and closes 24 hours before the beginning of the basho in the Japan time zone.
After the end of the basho, the results are calculated.
The kachi-koshi rikishi provides earnings for the investors in the proportion of the ratio of victories over losses, or in terms of “net wins”. A 8-7 kachi-koshi provides 1 net victory. A 10-5 provides 5 net victories. And a 15-0 champion (called Zensho Yusho) provides 15 net victories.
Each net victory is then multiplied by the number of shares owned to give the cash profits.
a) If you owns 1,000 shares of a rikishi that made a 8-7, your profits with him are of $1,000 (1,000 x $1);
b) If the same rikishi does 10-5, the profit is of $5,000 (1,000 x $5);
c) If the same rikishi performs a zensho yusho, the total profit is $15,000 (1,000 x $15).
All profits collected are then added to the cash reserves of the player to be disposed in the next basho.
The make-koshi rikishi don’t provides any profits, but also don’t provides any losses.
Reinvesting and collecting “Intais”
In the next basho, as soon as the banzuke is announced, each player can start a new round of investments using the cash available from previous reserves and profits collected.
Also, the player can use the cash returned from retired rikishi, always at the same price paid regardless of the last rank. This is done in the next basho following the one when the rikishi have gone intai.
The new purchases will follow the current prices per rikishi according to the new banzuke.
Players leaving the game can’t transfer any virtual property to other players, neither in form of cash or shares. His positions are liquidated without in-game consequences.
Long-term and Short-term rankings
The two rankings system works as follow:
A Long-term ranking will benefit consistent players, being measured by the last total Net Worth of each player. This will permit a compound effect to the prestige of those who started playing earlier, and that got the best strategies in the long term.
A Short-term ranking will benefit the best players in the current basho, independently of time played in the game, by measuring the rank by Yield Return, the ratio of Profits in proportion to the Net Worth in the last basho.
The May 2021 Basho (Natsu 2021)
The attached sheet contains the investment positions of the initial three players in the game.
But we have some duties to perform, to take care of the gifts he gived us.
We are not supposed to worry about the future, but we must do our best to act with prudence and wisdom, making the better choices regarding our personal responsabilities.
If you ask me if “it is spiritually safe to accumulate wealth in this world?”, I will answer: its not safe to even think about it.
There is no justice in the things we do if we don’t search for the Glory of the Lord in all of them. Can you be grateful for your wealth as a gift from the Lord, independently of any idea of personal merit?
Can you live by pure Grace?
The thing, though, is to just do your best with what was given to you in all aspects of your life.
Many people, and actually most of them, don’t have really much to worry about producing and managing wealth, since they live paycheck to paycheck. And this is because the Lord, in his wisdom, decided to distribute gifts in a way that is incomprehensible for us.
But, that said, I believe that lots of people can be blessed with not only peace and joy, but also with health and wealth, as they are blessed indeed. And to this people I now want to talk about how to establish realistic and responsable goals for their financial life.
I will never mention actual figures here, for the reason that, for an exemple, $10,000 for one person can be almost nothing, and for someone else can be wealth enough to think about seriously.
If you think that you should build some wealth for the benefit of yourself and your loved ones, and to the Glory of the Lord, then here we go.
It’s all about the cost of living
The posession of wealth means nothing.
Money, assets and goods serves only to be used. The purpose is the best living possible, for us and for the people around us.
That said, to live we need to use resources that are scarce in this current life. This limitation is about to be ended at any moment, but, as an certain character once said in a movie, “money is only something that we need in case we don’t die tomorrow“. As long as we stay here, we are going to need some resources to keep going on, and so we will need to think a little about managing it.
But our needs can be different from the needs of other people, very different, depending on a lot of circumstances. This is why discussing poverty and inequality is a stupid obsession of a stupid society. That makes no sense: what is poverty?
Misery is real, yes, being unable to live with the minimum conditions of survival.
But what is poverty? Being unable to buy the last smartphone model or a brand new car is poverty?
The feeling of being wealthy or poor is relative to circumstances. And this means that our first job in setting our personal financial goals is to make it personal.
You shouldn’t care about what your broad family, friends, colleagues or neighbors, and much less what unknown people, think is necessary to have a good life. That just doesnt’t matter. You will work to earn, save and invest your own money, not theirs. Only you, and your spouse if you are married, should be dictating how much money you want or need to live your life.
It doesn’t matter what “everyone” is doing. You are not “everyone”.
With this in mind, you will eventually find your very personal cost of living. And that is your base to the whole thing going forward.
The cost of your living will show you how much saving and investing you have to do to acquire financial independence, and that means the power to live independently of any active income. The purpose of this is not to retire and do nothing productive with your life (though, you can achieve just that if you want), but to be able to choose what you will do with your time, without any serious concern about how much money you are going to make.
I say “serious concern” because no wealth and no plan can garantee 100% of anything. And this is why you should be conservative in your estimates, and this is why in the end you should trust that the Lord your God is your only real safe harbor in your life, in all matters.
Here are some good news, though: you can always review your lifestyle to a more cheap one, just in case the trouble to fund it becomes worst then the alternative of living cheaper. This is powerful. Actually, its what the Bible teaches: to learn to be content with what you have.
Look out your fixed expenses
I can give my own example of how checking your lifestyle makes sense.
We don’t live to work, we work to live.
In the last five years I have reduced my cost of living two times.
The first reduction was a big one: a radical 70% cut that provided me the chance to get out of my previous job in São Paulo, to move to a better and cheaper city only 1 hour away by car from São Paulo (where I can visit family and friends easily anytime).
The second one was done one year ago, when I moved to a different neighborhood to live without my car. That made me save some 30% of my new reduced base cost. And I am living even better now.
Living better and saving much more money.
Being afraid of change is terrible. We are about to leave this world and meet the Lord in joy, why should be that hard to make simple changes? I know why: because of fear, that old friend of ours.
Look for your fixed expenses, these are the ones that are probably killing most of your financial potential. Real Estate, food and transportation are the big ones to look for.
Rental or mortgage should not take more than 30% of your income.
You should be able to save at least 20% of your income.
That means that food, transportation and everything else needs to be contained under 50% of your income. You can do this. And the more you try, easier it gets, because you will be forcing yourself to be creative.
The dream of earning big money to solve all your financial problems
What I am saying could look like a “misery mindset”. This idea is useless, but prospers out there.
Specially the american culture have teached the world how to “go big or go broke”.
Well, I don’t want to go broke, and if the price for geting away from that is not going so big, what is the problem?
Again, you are the one that will work, earn, and pay for stuff, and save and invest. You should decide calmly what to do. Don’t follow cheap slogans. All of those propagandists couldn’t care less about you and your life. Usually they are selling something, or they just want to feel happy about themselves. Forget them.
Ideally, you would invest in your career for the long term, specially if you are in the first half of life. But not even the youngest person should disregard the matter of cost of life and the appreciation of the benefits of expending less money.
Even a big earner could collect big rewards by saving more.
It is common, in the other hand, to see people making lots of money and being broke in debt.
Look for sport stars and doctors for that, and of course, lottery winners.
All money of the world can be expended.
And you don’t even have all the money of the world, I guess.
Budgeting and operational margin
It’s good to think of your personal finances like if you were managing a business.
If you work hard to be professional and responsible in your job or business, why should you turn into a irresponsible maniac regarding your own financial life?
That helps to look at it in a more objective way, assuming kind of a professional responsability for doing so.
The goal of a business is to make a profit, earning more in Revenues (your Income) than what is expended to run the operations (your lifestyle), and then using this profit to pay the owners (your perks and lifestyle growth) and expand the operation (invest to earn more passively).
The ideal margin of profit, or profitability, for any person is around 30%, but we can live comfortably under 20% of margin.
That means that if your Income is $50,000 you should save at least from $10,000 to $15,000 of it.
Of course that if you can save more without damaging your “operations”, your lifestyle, you should. Sometimes we have this opportunity and it shouldn’t be missed. I did it before. For some 5 years I saved around 50% of my Income. I could expend that surplus above the safe 30% margin, but I was living just ok, and that extra surplus made me create a substancial increase in my investments, that will payoff until I die.
But what do you do then with your savings?
Well, first and foremost, never forget that cash matters.
Cash means liquidity, the power to dispose money and deploy it quickly at your discretion.
You need this for the unknowns of life, and they will happen in the long term, being extra expenses or unique opportunities. You just NEED to have some cash at all times.
But how much?
For starts, you can pile up some 3 to 6 months of your cost of living.
Don’t put it in fancy places to generate some returns. Returns doesn’t matter for this money, just availability and safety. Part of it, by the way, could be locked physically in currency notes, and gold or silver. Not too much, of course, but enough for a more volatile situation where you can’t immediately count on the financial/banking system.
You can expand your cash reserves if you think that is convenient. That’s on you.
“But cash is trash!”
Yes, cash is trash when there is a lot of it everywhere (the “largezza” situation, or monetary expansion).
But when it disappears (“strettezza“, or monetary restriction), cash becomes king again very quickly.
You must have some just in case.
Know your enemy: Debt
The main thing you are going to do with your savings is investing.
Investing is the most powerful way to multiply your wealth, because of the power of compound interest.
But before talking about that, you should know that there is a “reverse investment” that can employ the full power of the compound interest AGAINST you: Debt.
Debt is the investment that someone else is doing at your expense.
Debt is you paying for someone else to get wealthy in your place.
That all said, low interest rates makes people confused about this. And since we live right now, worldwide, under the historically mostly ludicrous lowest rates that have ever existed, confusion only increases. But we must keep the concepts clear and simple.
Debt to fund expenses and consumable assets are the absolutelly worst thing you can do, independently of the interest rates.
Debt to fund investments can work out as leverage, but is allways more risky then doing without the booster. So, you must have a good professional and objective reason, to mess with that dangerous thing. If you don’t know what you are doing, don’t mess with leverage.
So much stuff is said about bubbles and financial markets being risky, but the real problem is excess of debt, always. Not going too far into the economical stuff, lets just say that debt is fiat money, and because it can be created from thin air without restrictions, it can become a dangerous thing. When you have too much monetary expansion, soon or later you must have a restriction to correct it, and that is what generates panic and makes the “music stop”.
If you don’t ever engage into debt, not even to boost your investing strategy, you are away from lots of trouble. The more you increase your leverage, more you increase your exposure to risk. I think its enough to be exposed to the gamblers messing with the financial markets, making our life harder (look at the current asset prices), so I prefer to stay away from debt myself.
“Oh, but everyone is doing it!“
Again, you are not “everyone”.
When the shit hits the fan, “everyone” means litterally nothing. You will find out very quickly that you are alone, that you were always alone. So, cut the bullshit now. Its cheaper.
“Oh, but with inflation debt actually works in my favor!“
Really? Ok, so you are going to borrow for 20, 30 years knowing that inflation will for sure turn your debt to work in your favor? What if it suddenly turns around against you? Are you that sure you’re so smart and the lenders are so stupid?
“Oh, but this time is different!“
If you think so, I’m sorry for you.
To americans, specially, I have to say this: the FED funding $40 billions in MBS every month will stop eventually. And all excess of credit created (money supply vs. growth) will allways, soon or later, be transferred to inflation, which will requires some increase in the rates.
Play the game as you want, but my advice is to stay away from debt as much and as long as you can. If there is one economical advantage to live in a developing country like Brazil, it is that we know here what is real high inflation and high rates, and the dangers of debt. It’s not pretty.
Investing for the Long Term
After the building of your cash reserves, you can start investing.
To invest is to buy assets that generates cashflows in return.
The cashflows don’t need to be immediate, nor be paid in actual cash, but some return is necessary.
This is why gold, silver, cryptocurrencies, etc., are not investments. They can be bought as reserve of value, hedging for crisis, or as a commodity to make some income trading, but this is not investing.
Investing in a business that you own and operate can work very well, but that should be seen as a different type of investment, like funding your career. If you do pay for a college degree, for example, you expect some return from that in financial terms, but you actually will have to work for that. You are investing in yourself, but you have to produce something to make it payoff. If you create your business, the same thing happens. And since our objective here is to live independently of the need to work to fund our lifestyle, investments should be the the ones that helps us getting returns without the need of any work.
Don’t get me wrong: investing in your career and in your business is a great thing. But the ideal scenario should be one in which your career starts paying you a surplus to invest in something independent of your work, something that works in automatic mode and gives you real passive income, as well as the ideal scenario for your business is to grow up to a point where you can sell it for a profit and invest the money away, or to keep it as a non working investor, away from operations, in which case you will become a passive income earner from the same business you created.
The instruments for investing to earn passive income are mainly Real Estate and Business.
The more you can own property directly without an intermediary, the more high returns you can make, and the more you would need to know about it.
The less you know, the more you pay to invest, and the least you earn in income from it.
This is why the best advice for the begginer investor is: invest only in what you know.
If you can’t understand it, don’t do it.
How can you know if you undestand the idea of an investment? You have to be able to explain in a short and quick sentence how the money is made. The more complicated your explanation gets, less is the like that you actually knows what you are talking about.
Whatever you do, to your investment work properly it will require lots of time. Investing works properly when the economical cycles are absorbed in the long trend, and the compound effect can generate the highest return possible and viable for the lenght of a human life.
Considering all, its very reasonable to think in 20 years as the minimum time to achieve good results in your investments.
Of course you can push yourself to save much more quickly, like the people of the F.I.R.E. movement do.
This works only parcially, because the reduction of time compresses the compound effect. Time is factoral in compound, that meaning its the most powerful thing in the investing machine. If you put more money in a shorter time, what you are actually doing is reducing exposure to time and increasing exposure to return rates, so, for an instance, the economical cycles can be far more dangerous for you, because you are more dependant of your current returns to keep the machine working.
Lets be reasonable here: do you want a full stop in doing any work?
Isn’t reasonable, if you don’t absolutelly hates you job, to keep doing it for 20 years?
And, if you hate your job, doesn’t make more sense to change it, or even your career path?
There are lots of things you can change to make your life more smooth going on, working, generating income, saving and investing.
“Oh, but I am too old to wait 20 more years to retire, its too late for me!“
If you are under 50, that makes no sense at all.
If you are over 50, a case can be made that investing will not make the best long term effect for you, but will that dismiss you from the need of saving money and investing to have a better future? No. Actually, the older you are, more convenient it becomes to start saving and investing as soon as possible. A 20 years old person can waste 10 years. A 50 or 60 years old can’t.
The effects of investing comes slowly.
But if you do save 20% of your income consistently, no matter what, and you invest it wisely, reinvesting all cashflow into new investments, never touching a single penny of that passive income, and do it all for 20 years straight, the whole thing just works very well.
The first 5 years are very slimy, like all your effort have no results, and you just push it forward from raw stubborness.
After 10 years, results starts kicking in, but still looks like there is too much work and waiting, for little effects.
After 15 years, the explosion starts. This is, surprisingly, the riskier moment of investing, because the really big results will depend a lot on the reinvestment of the passive income earned in this last 5 years. That will make a huge, decisive difference.
The compound formula: contributions, return rates and time
The formula of compound interest works like this: your contributions generates returns that becomes new added contributions, all of that being factored by time.
The least important factor is the return rate. It will always make a difference, of course, but always less then the difference made by the contributions and specially by the time.
Its just easier to get wealthy by adding more savings to the plan, or by making the plan longer, than trying to make greater returns in the selected investments.
And although the contributions are very important, time is of the essence. The sooner you start, the better. More time can compensate less contributions.
Its more easy to have just 20 or 30 years of time investing with mediocre contributions, than to need to have a high active income from your job or business. Lots of people age, but not so many people become high earners.
Be careful with pushing the return rates of your investments.
Young and low earners are specially vulnerable to looking for high returns, because they have little to no net worth to invest, and the long time ahead of them can look very depressing from their point of view.
But there is a more depressing thing, I guess, to look for: to lose the little you have in riskier things, like leveraged bets and low diversification. In the best of scenarios, its a waste of time. In the worst, can be the starting development of a gambling personality, which can be a pretty ugly problem to deal with for whole life.
What about fixed income?
Well, today less and less people cares about bonds and treasuries, or even private debt, because of the low interest rates. But as soon as the rates rise again, fixed income will get back to the table.
There are two problems, though, with fixed income. One is financial and economical, the other is spiritual.
Economically, interest rates exists to pay for inflation. That means that higher nominal returns don’t necessarily brings higher real returns. Actually, because governments are very interested in keeping the cost of their debts lower in their budgets, there is always some pressure to keep the official inflation numbers artificially lower. And that happens in a way that higher nominal rates usually means lower real returns, under the necessery levels to payoff for inflation. In simple terms: the government is always stealing your money, even when he pays you interests to hold his debt.
In addition to that, public debt is not free from risk. There is no such thing as a free from risk usage of money, except for consumption. The only risk free use of money is to exchange it for goods and services.
When interest rates pays more then the real inflation, there is for sure additional risk that makes it more dangerous, like with private debt or CDs from smaller banks.
To quote that cheap quote, there is no free lunch. And since you can get risk that provides really interesting returns with property naturally hedged against inflation, like Real Estate and Stocks, what is the benefit of funding governments that steals you or business that can make a profit using your money?
Debt funds the economy.
If you are invested in the economy, debt pushes your investments.
If you buys debt, you are pushing the investmnts of other people.
For that reason I don’t treat fixed income as investment. It could serve to hold liquid cash, but then we have the other issue, a spiritual one.
Scripture tells that “the borrower is a slave to the lender.”
Sometimes we can do literal interpretations of the biblical text, and this is one of those cases. Lending money to earn interest on it is exploitation. You can give money without interest and expect to get it back later, but charging over it is predatory, and spiritually its rotten.
So, with money you can do this: consume it, give it away, or save it and invest in property.
Net Worth is vanity
A local billionaire here in Brazil says that “net worth is vanity”.
Being invested for the long term in variable income, he knows that the market volatility means nothing, so the marked prices of the moment can be totally ignored.
If your objective is to achieve financial independence of active income to fund your lifestyle, why your current net worth matters?
Understanding that makes you really strong to all weathers, and get benefits from crisis while most people panics about losing their net worths and their last pants to cover margins on leveraged bets.
Forget net worth: look for your passive income growth. More on that below.
The destroyers of wealth
By now we should be able to identify the main destroyers of wealth, and we can add some more:
Interests: they destroy your wealth when you pay them, and also when you earn them, though in this last case the loss is more subtle (and so, actually more dangerous);
Operational costs: banks and money managers suck part of your hard earn profits with investments, a harsh payment for your lack of education. Mutual funds can cut as much as 50% of your wealth in 20 years, under the 2/20 fees system. Index funds and ETFs charge less, but also make less returns that could be not so hardly be beaten;
Inflation: being afraid of investing or risking less part of your wealth exposes you to the big dragon that will corrode your cash and fixed income. Big savers don’t realize this because the interests earned seems big enough for them, but tragically, they are the big losers;
Taxes: having a stable and consistent plan for the long term to invest in property and hold it forever evades legally the payment of taxes on capital gains. This is another reason to not invest in Funds, because of the taxes paid from the turnover. Its also important to remind to never do portfolio balancing, for the same reason. If you diversify enough, balancing is never necessary.
Passive income and your goals
The measure of success in the long term will be the ratio of your passive income against your expenses (PI/E).
The main goal, of course, is to achieve a 100% PI/E. That means that you could have lived the last year of your life entirely on passive income, whitout the need to work. But that is not the ideal goal.
The ideal goal should be something like a 200% PI/E loose margin.
And that for at least three reasons:
Seasonality: if you are doing the right thing, i.e. investing in variable income for the long term, your cashflow will be irregular. Just as an exemple, my passive income in this last April was almost 4 times greater then my February numbers. That means that you need some margin to acomodate the variation and live without worryness;
Changes in the returns: business can go broke or face a crisis, as well as your Real Estate properties can lose tenants. For a time it is possible to see the fall of profits, affecting your cashflow. The margin serves as a protection for this changes. Exemple: during the pandemic crisis in the last year, most of companies made several cuts in the dividend payments to sustain the short term cash holdings, specially in the months of June and July. As a owner, I must be prepared for that, and the margin can give me that in the long term;
Perennial reinvestment: if you have a continuous surplus with your passive income, you can reinvest to make your wealth go even further, keeping the effects of compounding working for your future.
Ultimately, you must be the drafter of your goals. From ground zero, I could suggest a list of a sequence of goals:
a) paying off all your debts as soon as possible;
b) building a cash reserve of at least 3-6 months of expenses;
c) starting your early investments in Real Estate and/or Stocks to learn slowly, as you search for education to qualify yourself as a good investor for the long term;
d) achieving 10% PI/E;
e) achieving 25% PI/E;
f) achieving 50% PI/E;
g) achieving 100% PI/E;
h) achieving 200% PI/E.
This is only a very simple suggestion. Nothing of that, of course, at the expense of the funding of your career growth or active business operation. The money for these things must come from your 70% to 80% total budget.
What I am going to do
In this blog I will report some things under the subject of financial independence.
First, I will report my own PI/E ratio evolution. The advantage of this indicator is the discretion, since we can share and talk about it without exposing details of our lives. The idea is to keep tracking the evolution and performance as a habit to endure, specially in monitoring results after market crashes and economical recessions or depressions.
Second, I will report my operational margin, to keep myself in check for financial discipline.
Third, I will report a review of assets that I already invest or want to beggin investing, checking for winners and losers, and thinking about portfolio management.
Fourth, I will report on my experience as an amateur financial advisor and manager, a job that I am doing inside my family for years and that have grown recently after the pandemic crisis.
This is it.
The overall idea is to keep the issue under check, following the orders from the Lord, not giving too much attention and care, but not falling into omission and negligence.
This is a very simple and interesting book, different of most “conspiracy theory” works out there, because it focuses on a single line of thought and keep going in that direction without digressions or side issues.
The whole point here is to explain how the rabbinic judaism, which is the current jewish religion out there, have practically nothing to do with what christians imagine it would be, that is, the following of the Law and Prophets, Torah and Tanakh.
Religion, a product of men
But, really, what is the big news here? It is a good book, make no mistake, but it’s really necessary only to delusional christians that, by themselves, don’t read their own Bible in the first place.
Those who know the Word knows the testmony of Jesus himself about the jewish religion. Moses and all the Prophets wrote about Jesus, seeking the coming of His Day, but religion made its own laws and costumes to hide Jesus. And when He arrived, was only to be condemned and put to death.
The history of the hiding of the Word goes from the early commentators of the Law since Moses, to the scholars and scribes of all times, culminating in the sect of the Pharisees, the predecessors of our current rabbis in the time of Jesus.
To not to waste too much time detailing the argument, we can focus in the source of all the problems: to look for positions of power and authority in society, usurping the position of God Himself before all men, looking for their own glory. It’s men imitating the devil. And this madness starts with the interpretation of the Revelation.
Instead of nurturing the people to look for the Lord themselves in their faiths and consciousness, like all Prophets always did, giving testmony of the Lord, the masters (rabbi literally means “master”) gave testmony of themselves. This is the real idolatry. Yes, that is Mystery Babylon, the Mother of all Harlots and Abominations of Earth: religion, replacing the authority of God by that of mortal men.
The problem of Oral Tradition
The main argument of the book is the questioning of the so called “Oral Tradition”.
This is not only a jewish thing. Its universal to all religions: the only way that some living men are going to have consistent and long term social authority over all other men regarding essencial things as the meaning of life, and the values of right and wrong, better and worse, etc., is to link them to a tradition. This comes before the ownership of wealth and military power.
So, as commentators of the Torah, the early religious priests started their tradition, making sure that only THEM could safely interpret the scriptures, what turns out to be actually the devaluation of the Revealed Word, since it becomes practically worthless without the interpreters, and at the same time that brings the increasing valuation of the guardians of the truth to which societal order becomes dependant.
In the jewish case it is very interesting to see how things get more complicated from the pure and simple disobedience of God’s orders. Like in the case of Abraham, that disobeyed God and have a child (Ishmael) with the egiptian slave, Moses also disobeyed God when he replied that could not perform his duty even with the insurance of the Lord, making God angry and bringing room to Aaron to take a place at his side. Aaron was later the one responsible for giving some official form to the idolatry of the golden calf, and after that becomed the chief of the Levites, the whole religious caste of priests of early Israel, the predecessors of the Pharisees and of the Rabbis.
But, geting to the point here, there is no scriptural proof (without, of course, the rabinical twisted convenient interpretations) of the Oral Law, or the Oral Tradition.
In the very contrary direction, there is abundant proof of God harshly reproving the religious costumes, culminating with the total open war made by Jesus against religion.
If you take out the authority of Oral Tradition or Oral Law, the whole thing collapses. And there is no better way of doing this then by researching the scriptures. It’s by no accident that the Apostle Paul called the Word of God a “sword”.
Jesus rejected all temptations in the desert by using the scripture to reject scriptural misuse by Satan. That makes the point that scripture can be used to turn anyone against God, and only the gifts of the Holy Spirit can give us the right wisdom about the will of the Lord.
In the fifth chapter of this book I found the most interesting thing to me, the case that the rabbinic authority is rooted in human thought, making the dialectical proccess the main source of wisdom, apart of any direct inspiration from God. This doctrine teaches that our human intelligence is the main gift we already received and that we should use to ascend spiritually.
Because I was for at least 10 years of my life a slave to philosophy myself, this part really touched me.
The value of study and reasoning is sacred to gnosticism. It is the very path of enlightment and ascetical transformation of the being. We can also call it the way of the Tree of Knowledge: full of pride, lies and darkness.
Human reason can be very seductive, because our minds are very powerful. Since we are, in the middle of all of Creation, made specially capable to recognize God as the Creator, we received tremendous gifts of intelligence, unlimited imagination, and reasoning capabilities. All of this psychic powers are supposed to be used under the spiritual rule of Love, Faith, Humility, and many other gifts. But they can be used apart of spiritual awareness and submission to God. And this is why the devil loves to mess with our minds, and one of the most special ways to seduce us is to exalt human reason and intellect. Them we can be departed from God forever, being lost in our own powerful illusions of control and understanding, and, of course, in the abuse and slavery of other humans by our cientifical prowess.
This is it. In the peak of disobedience, religion meets its whore sister, philosophy, and engage in the same orgy of human pride, forgeting God completely.
The Temple replacement
The religious slavemasters are professionals in the art of accusing man, charging them with an unbearable weight of guilty, and then exploiting this hedious pressure by selling salvation at the highest price possible.
The original system in the jewish tradition to do so was the Tabernacle.
Then, the First Temple of Solomon established the model of spiritual commerce.
After the destruction and diaspora that followed, the first providence ordered by the jewish mobsters in return to Jerusalem was to rebuild the Temple. It was in this Second Temple that Jesus have used physical violence, the unique recorded time he did it in his passage on Earth, rightfully against the spiritual traders.
After the destruction of the Second Temple, the story tells that an younger rabbi lamented the lost way of life, to which an older rabbi answered him to not be afraid, because they could use a better replacement for the Temple: Charity.
Indeed, the human guilty is the wealth of religions to the very end of the world.
No physical temple is needed where you can just abuse the fears and traumas of your fellow man to enslave them, to make them serve you in all ways and by all means possible, and ultimately to make them even worship you.
Jesus is so hated because he gived the liberation of all this madness, preaching the Love of God, and paying himself for our unjustified lives.
I expected more from this book, let make this clear from the start.
The big exposure about the “jewish” mysticism in this book was something that I already knew: the Talmud saying that Jesus (or at least the bad Jesus that christians worship in idolatry) is currently paying for his horrible sins in hell in an ocean of boiling excrement. What a nice picture, right? But I knew that already.
The most interesting part to me, concerning the kabalah, is the idea of both trees of Life and Knowledge being perceived as necessary to the spiritual growth of men. What made me think about Telperion and Laurelin from Tolkien writings (I will say more on the occult symbolism in Tolkien works later).
Of course this is a luciferian doctrine, the denial of the supremacy of Love, mixing light with darkness. The Tree of Knowledge is the tree of pride, of darkness, the tree of lies. Nothing to do with the Tree of Life, Jesus himself, more than enough justice and joy to all men.
The rest is mostly the exposure of the same gnostic garbage of allways, about how men need to ascend from their fall by their own merits.
I have to mention, though, that the forehead phylacteries resemblance with the idea of the Mark of the Beast is interesting, the hebrew letter vau representing the number 6, and that repeated three times, actually working as a joke about the spiritual recomendation of Moses in Deuteronomy about keeping the Word of God in top of mind.
Also, it was good to know that the specific designed punishment for christian idolatry against the Noahide Laws is decapitation.
I guess the rabbis are short of boiling excrement this days, who knows?
The days are coming, that I believe.
And to be beheaded will be the crowning ceremony for the splendorous army of saints of the last days. Killing us, they will make us kings, for their shame and for God’s glory forever.
“This time is different” is the most proved idea of all times.
Proved right and wrong at the same time, of course, as must be clear. But I explain.
Being first and foremost a christian, I must think like a christian all times.
So, I go to back the Book, you know, that One.
And there it was written, by someone who was then a really wise person, that “there is nothing new under the sun”.
At the same time, both history books and our own experience shows that things do change, and they change a lot.
The no-change vs. all-change conflict is a very old, kind of boring, philosophical subject. Let’s cut to the chase though.
There is a always the same real substance of experience that never changes, but that always takes new forms, new phenomenalities, or new ways of deployment in concrete experience.
The nature of the real experience stays mostly the same, we only explore new aspects of it, like learning new ways to name things that we already know in different languages.
Each new generation that comes must learn everything again from birth. Of course there is a rate of loss in knowledge transmission between generations, since the very human capability of transmitting information and knowledge is always limited compared to the real lived experience.
There is a constant shadow of lost experiences to the new generations.
And it is in that shadow that grows the speculations of the new born humanity of the hour, a growing thought in the best minds of every new dwellers over the face of the Earth, an exciting idea: “This time is different.”
Of course it is different, and of course it is not.
The characters are new, the tricks, toys, the soundtrack, the background, and the plays are new, but the human nature and its deep meaning never changes.
Crypto is the new tulip
Let’s look at this shining new toy of humanity: cryptocurrencies.
Wow! Brand new, revolutionary, something out of all previous charts.
And, of course, with this potential comes again, in detail, the rise of the old hopes of all times, for a big change in the game of life, and a promess of big things to come, like broad prosperity, justice, and awakening.
Entire books can be –and will be- writed, printed, and readed compulsively, to prove the whole point of the new thing and how this will bring a new era to all manking, like all the other old new things were supposed to do before.
Beyond the creative fabrication of the human minds, however, you can check for the basic human feelings, beliefs and motivations.
And right there, in the dephts of the beings of our fellow brothers and sisters, we can find the most regular, old, and simple fuels igniting this story around crypto: fear and greed.
Without fear and greed, no real big money would ever be put in crypto.
Without this essencial ingredients, the maniac fire just couldn’t burn large and loud enough. And the very proof of basically all arguments for the success of crypto could be never given: the rising prices.
In one hand, fear moves the scared money away from rigged markets and currencies to the crypto utopia.
Of course we can’t live in a crypto nation, ruled by crypto laws, and even less eat crypto food. We still live in that old rigged world that we always hated. And behind the fear to stay in the mess we detest with such passion, we hide the prosaic hope that there will be a real place in it for us to live after all. In a real world, not a virtual one. And somehow –nobody knows how for sure– crypto will help us get there.
In other hand, greed moves the anxious money that can’t just stand the risk of missing that big one lifetime opportunity.
All yolos and fomos thoughts serves to justify the oldest search of humans since the beggining of times: power. Power to be independent, to be successful, to be safe, to be spared of this terrible risk that is to be alive without guarantees.
Under the new paint, the same old dirt
No, dear crypto person, you are not hedging your portfolio, you are fearful.
And no, you are not also being yolo, fomo, or any special revolutionary pure thing, you are just being greedy.
Everyone wants to escape the reality of what means to be a human being: to be ignorant, weak, and lost.
It’s not only ironic, but actually tragic, that if someone dares to talk about some really good news, like the Kingdom of Jesus to come, the message usually is rejected as pure fantasy. People don’t have time for that, they are just too busy being smart.
People hide from true light, because they need to be humble to face it, but humility is humiliation to the proud.
Darkness is a more comfortable enviroment to disguise fear and greed as virtue and wisdom.
So little was needed, but that small thing is denied. Again. And again.
What a waste that life is…
And how admirable is the patience of our Creator!
Inspiring, actually! And that is why I am always looking for Him, and I never get tired of doing so.
If you want to be readed, you should focus on it and forget the rest.
And although you can find your poor reasons –or good excuses– for keep writing in your local language, the chances are that you are probably just wasting your time.
If you don’t know what I am talking about mentioning Latin, research history.
The world uses English
For more than 1,000 years Latin was the universal language used in most places of the western world, and even when the local languages of Europe start getting some track, it took lots of time for the old roman language be set aside. And that happened only for the arise of new sorts of universal languages, first French for a while, then English.
Take one of my old favorite philosophers for example: Leibniz. He could write his stuff in german, but using Latin was just more productive. Latin gave him more tools to express himself, and give him more access to foreign readers than just the locals.
But forget about Leibniz, and Latin. I don’t care about philosophy anymore, nor you should (I say, philosophy is just an hard and complex way to not knowing anything in the end of the day). Also, I never cared much about the dead language.
The case is: a language is just a tool. If you miss this, you will miss my whole point.
Communication vs. Art
So, if you prefer your local non-english language for sentimental or even aestetical reasons, you are done with it.
Literature, for exemple, disregards the efficiency of words for the sake of beauty, or, puting in other terms, seek for aesthetical efficiency, saying more and more things in less and less words. Like poetry. It can be appreciated, of course, but its an art, and that means that it is a thing that serves itself. And that is much like philosophy by the way, even in the case of the more hardcore logical segment.
Humans invented language for the sake of life.
But, like many things humans do, the thing made for other ends become an end in itself.
My personal guide to approach this thing and not be led astray is the instruction of Paul in the first letter to the Corinthians, when he says he will not be using the “wisdom of words”, to not make the Cross of Christ useless.
Translating: “guys, I can talk beautifully the way you like, but the thing about what I have to say is that is the TRUTH. If I just say it beautifully, you can be misled to believe it is my doctrine to sell, like others do. But no, this is the Gospel, this is really good news straight from God, so I will not sell anything for you“.
Yes, speaking beautifully is art. It’s selling. It’s lying.
People are scared to admit this, but deep down there they know it.
Again: this thing, language, is supposed to serve us, not the opposite. But here we are, creating and sustaining a cult of words, and all of that for what? To save us from being bored? Or even better: to make us believe we are smart, sophisticated, special beings?
All I know is that keeps us from being humble and straight. There is this thing that I appreciate in the american culture, their pragmatical sense that looks so anti-spiritual at first glance, but that only for those that believe spiritual things must be covered with some human beauty, like “wisdom of words”. That’s a trap.
God doesn’t need our help to make things beautiful. Look at the naked Gospel: it is the most sublime, universal and absolutely beautiful message of love, not because of the words used to spread it, but because of that it is in itself. So much that we should fear trying to make it “better for human comsumption”.
What a language is for you?
You need to decide what language is for you.
If it is an end, then I’m sorry but my case will be missed.
If it is just a tool, then why not using it in the most efficient and productive way?
And being that so, why not using English as the primary language for your work?
Maybe you think others can translate your words in to english, since there is so many accessible translation apps and services available today. And, in top of that, you can say that the speed of your production in your local language is so much faster, that producing directly in English may be actually inefficient.
To that I say: you don’t want to be dependant on devices and apps to make your words right in English. Even more if you need to explain yourself in a live feed for exemple. Don’t you prefer to have control of the delivery of your message, instead of trusting an third part?
And you don’t want to miss the opportunity to get better delivering directly in English. Yes, it will probably hurt more in the beggining, and it will be slower. But you can get better with the time, and this will be an asset for the rest of your life.
A case could be made for the coming of new universal languages, like the chinese mandarin. I think we would be all dead before it happens, if it happens. Imagine how hard would be to make an eastern language universally used in the West. For business purposes, things can be kept the way they are for many decades still.
And lets not forget that India may be the real growth power in Asia, and that they already speak English because of their historical colonization by the British.
If you are in the West, and you want to keep using your local non-english code to produce content, my guess is that you are wasting your time.
Even if in the short term you have more local grip for your message, you are probably losing the long term broad reach, and even some compound effect that could be added to that.
If your content is not so universal –you are a local person talking to local people about local stuff–, a fair case can be made for the inconvenience of using English.
But, in the contrary, if your message is broad enough, even a substantial part (and I dare to say, maybe even the most relevant) of your local population will get it. Because they are already getting to use English more and more everyday.
To all of that I could add –and this for me works very well– that using the English language to express forces you to get away from some thought vices that you have probably acquired as you grown up learning your native talk. This can be very special, as we learn English as a second language we have a more objective approach to it, as a way to communicate things, more than a way to think about things.
And this is, by the way, the single most important advantage that someone could have using English as second language, over the people that have used English since birth: the ability to use it in a more pure way, just as a tool, without the vices that comes from local cultures.
Don’t waste your time: if you want to produce content that is universal enough to be read or listened anywhere in the world, you have to use English.