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MorlockP's profile
ⓘ Dogs don't have thumbs
ⓘ Dogs don't have thumbs
ⓘ Dogs don't have thumbs
@MorlockP

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ⓘ Dogs don't have thumbs

@MorlockP

Two-time Prometheus award-winning hard science fiction author. https://www.amazon.com/dp/B005JPPMS6  Learn how to homestead https://www.amazon.com/dp/B093BC3K1T 

Aristillus Crater, Luna
amazon.com/dp/B005JPPMS6
Joined June 2012

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    1. ⓘ Dogs don't have thumbs‏ @MorlockP 25 Apr 2019

      ⓘ Dogs don't have thumbs Retweeted Aetius

      This is defeatist. You can pay off your student loans (I did) and your mortgage (I did). You don't need a smart phone or a phone plan (I have neither) or netflix (also don't have it). Don't accept "the world mandates that I do X" ; create your own path.https://twitter.com/AetiusRF/status/1121162094320259077 …

      ⓘ Dogs don't have thumbs added,

      Aetius @AetiusRF
      Mortgages, iPhones, student loans, Netflix To be a westerner these days means you’re on a permanent subscription and payment plan until you die
      11 replies 6 retweets 62 likes
      Show this thread
    2. Emily Elephant‏ @ee_elephant 25 Apr 2019
      Replying to @MorlockP

      Before you could get everything on credit, you had to save for stuff or go without. Maybe that was morally better, maybe not, but now you have three choices instead of two. How is this worse, exactly?

      1 reply 0 retweets 1 like
    3. ⓘ Dogs don't have thumbs‏ @MorlockP 25 Apr 2019
      Replying to @ee_elephant

      I agree with you! I defend credit as a good thing; it creates more choices. I just attack people who say that choices are bad.

      3 replies 0 retweets 3 likes
    4. Thales of Florida‏ @VarangianSkull 25 Apr 2019
      Replying to @MorlockP @ee_elephant

      Also, credit isn't a universal bad. The main issue with debt these days is that many people enter into it *casually*. "I want a new car, so I'm gonna pay $800/mo for 72 months because I can!" No. Entering into debt is a major decision! Think it through! Consider ROI!

      1 reply 0 retweets 1 like
    5. ⓘ Dogs don't have thumbs‏ @MorlockP 25 Apr 2019
      Replying to @VarangianSkull @ee_elephant

      We just had central AC installed in the house, after dreaming of it for 5 1/2 years. I asked wife "what percent of people getting this do it on credit, or borrow against their 401(k), do you guess?" her: "90%". I bet she's right.

      1 reply 0 retweets 3 likes
    6. Emily Elephant‏ @ee_elephant 25 Apr 2019
      Replying to @MorlockP

      So do I. Don't have it to hand, but there's a study on how many Americans could raise $2000 on 30d notice. Any source would do. $2K chosen as a proxy for something expensive happening to your car. Result? A majority couldn't do it. Wait, this gets better ....

      1 reply 0 retweets 3 likes
    7. Emily Elephant‏ @ee_elephant 25 Apr 2019
      Replying to @ee_elephant @MorlockP

      ... so then they looked at families with $200K incomes. The richest 3% in the richest country the world has ever seen. 30% of them couldn't do it either. No cash and maxed out credit. This is a choice.

      1 reply 0 retweets 2 likes
    8. Thales of Florida‏ @VarangianSkull 25 Apr 2019
      Replying to @ee_elephant @MorlockP

      I'd go insane, living on the edge like that. The stress from that must be nuts. Would much rather dial down my standard of living a notch or two and not go insane.

      2 replies 0 retweets 3 likes
      ⓘ Dogs don't have thumbs‏ @MorlockP 25 Apr 2019
      Replying to @VarangianSkull @ee_elephant

      we're in that top 3% (barely). We have discussions like "well, if your dad does have health issues, we could move him up here and buy a condo [ in cash ] " Living without a net is insane.

      7:56 AM - 25 Apr 2019
      • 2 Likes
      • Thales of Florida
      1 reply 0 retweets 2 likes
        1. New conversation
        2. Emily Elephant‏ @ee_elephant 25 Apr 2019
          Replying to @MorlockP

          The state will be the safety net, though, right? Right???

          1 reply 0 retweets 1 like
        3. Thales of Florida‏ @VarangianSkull 25 Apr 2019
          Replying to @ee_elephant @MorlockP

          The average joe is a socialist when it comes to his safety net, but a capitalist when it comes to his car and his xbox.

          0 replies 0 retweets 1 like
        4. End of conversation

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