Ever wake up and just look out into the world? A world that is so beautiful in many ways. Yet unpredictable in the most common ways. As I try to maneuver through the daily routine, somethings I often question. To see people prosper, build the dream home and create a family is great. The purpose to why we are here to live. Live the American dream, right? That American dream is to be financially stable to buy the essentials to survive. However the essentials have become luxary, purchases that are beyond budgets. Budgets that one doesn’t see the long-term reality. Buy now, pay later sense to the psychological not in hand effect. Transactions aren’t cash visuals, that value out of pocket expense. Credit is an evil tactic – credit that is unlimited- creating – Debit. A vision that is just sign here – here’s keys to your home or new car.
At one time in history – Money had a visual, physical in hand and appreciation value. The employment wages or income a written paper check stub -presented. Technology – electronic deposits and transaction devalued the US dollar. That value become psychological to the real value of money. A blind pleasure to dophine pleasure zone responsible for creating feelings of pleasure. The pleasure of feeling good to have a new car, dopamine pleasures block the reality of debit. A motive to provide a selflish action to behavior – short lived for the moment. All pleasure is temporary, dopamine released then returns to pre-stabalized level. Rewarding nature where feel good – wanting more and more. High levels cravings to pleasure experiences that trigger addiction to pleasure – high dopamine experience unconsciously felt.
Is dopamine responsible to the modern day dream?
The modern houses built are not the average houses in a financial view. These are much more elegant, new style that is incredibly marvelous. As inflation has soared the nation economically the supplies aren’t cheap. The housing market is booming- clearly thats understandable. Humans are reproducing rapidly – clearly understand that. Population has run out farmers – every space of land is being purchased. Subdivisions are the new extension to its own small community. Subdivisions of miles of streets that are hidden to a new world. These houses aren’t cheap in any possible way. The new styles are designed with class of country and modern relaxed comfort. With all this comfort comes a mortgage payment. That leaves the one question: How do people afford these homes?
Did I miss the memo of the best paying jobs? Or did someone hit the lottery and share with a large portion of individuals ready to built a new home? I know theres doctors, lawyers, engineers, great paying careers in the world. But theres not that many for the population of homes being built. Leaving the wonder to, is the world in debt? Has credit created a in debt population, that struggles financially more than realized? Has the world been built on a financial crisis of credit card debit and loans? A financial crisis – known as debt?
A prime stigma of “keeping up with the Jones”. Building beyond financial means and be sorry later? I am not judging the lifestyle this is opinion by observation. Its common to fall into debt, as the economy struggles. But what will happen in the future? If another shutdown took place, would the banks then default payments? Or am I just over looking the inflation of the world and missing something simple?
One more curiousity hard to understand the wages paid. The perfect example: rich get richer, the poor get poorer. So that myth, estimate to show reality to the financial observation. If the average wage persay $20 hourly. A 40 hour week that’s a $800 gross before deductions with a low figure of taxes $200. Net pay would be $600.
Now with 4 weeks in a month $2400 a month income. This is one income in the household, and most couples both are employed. So with a good thought that both members of the household make the same amount hourly. To double that $2400 would be $4800 monthly. This is for average educated or skilled household. Now think about this $4800 may sound like alot of money. But you figure the living expenses. Car payment, mortgage, insurance, children, food, gas, all the expenses- reality- is $4800 really explaining Housing market? Does that makes sense to the financial aspect taking place? Or does a sense of reality to the observation – a world of financial debt lack long term unpredictions? Is debt established and maxed to the limits for modern living? Has the US dollar been effected by psychological behavior due to technology?
The psychological effect is the no money in hand.. No vision of the money value or sense of actual dollar amount. The intention of technology is paper, written or electronic signature that out lives the contract itself. At one point the signature is transfered to an electronic data storage device. Which added to a credit file. The idea pretty impressive to payment history, that’s an invisible assest to ones finances. Years to build good credit that can be challenged at times.
In the days ahead, a good look around👀. Just coming out of a long world changing pandemic. Maybe we have realized how to prepare for the future. Have we been challenged over the past couple years, that has taught us to plan ahead? In all my research and attempts to view the world “As Modern Living”. I can only see that people are building a stable home. A stability that offers flexible options. Options through ups and downs to ride during the inflation days. However, with larger families, having a large home can be ideal. Thinking ahead if times got tough, living with family or friends could be an option. One thing for sure, as we populate rapidly. At some piont land will be extinct. In all creation, dirt can be moved but it can not be created. When land is no longer available, well it becomes discontinued for good. No longer available or restockable. Think about that last sentence. Next time your out taking a good look around. A Modern Living 2022
Until our beautiful minds meet again, Be safe out there. Much love and blessings. Remember Everyday Minds Matter – Della 🦋