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This is funny because there's just enough truth in it to make every travel ball parent a little edgy. 😂I am not anti-tra...
24/09/2026

This is funny because there's just enough truth in it to make every travel ball parent a little edgy. 😂

I am not anti-travel sports, good programs can offer better coaching, increased competition, and create awesome memories and memories and opportunities that kids simply wouldn't get in a local rec league.

But somewhere along the way it stopped being an outlier and became the default.

A perfectly ordinary youth baseball weekend now includes a $500 tournament fee, 3 tanks of gas, 2 nights in a hotel, dinner for the whole family and a Sunday drive home at 9:30pm...so 2 teams from neighboring towns can play each other 4 hours away from either.

And the economics of it are fascinating.

Once enough families believe in the value of more travel = more development for their kids, the whole system grinds itself into a higher gear as everyone feels the pressure to not be the parent whose kid "falls behind".

So the entire system becomes more expensive, more time consuming and more intense even if the actual on field baseball isn't dramatically better.

There absolutely are kids that need better competition.

But I think we have reached the point where we have to ask ourselves if every 11 year old really needs a regional development plan and a Marriott Bonvoy number.

Sometimes the best game available is 20 minutes down the road.

You can pay off the house and then not be done paying for the house.That's the unfortunate lesson in property taxes.A 76...
24/09/2026

You can pay off the house and then not be done paying for the house.

That's the unfortunate lesson in property taxes.

A 76-year-old man who lives on Social Security has been in his Texas home since 1993.

His mortgage has long since been paid off, but he's about to lose the home anyway.

Last year his property tax bill came to $6,600.

This year it's due to be $8,188.

That's almost a $1,500 difference in one year for a man living on a fixed income.

The worst part is that he had no say in the matter.

He couldn't sell the place and walk away as he had no equity.

He couldn't suddenly move into a nicer neighborhood and reap the rewards of an inflated Zillow value.

He simply has to come up with the additional cash, but he doesn't live in a world where additional cash has any meaning.

It's one reason why paid-off homes make for such lousy assets, especially for retirees.

They're supposed to be a bastion of security, the culmination of a lifetime of financial restraint and fiscal responsibility.

But when it comes to the yearly battle of property taxes, they might as well be a trap.

If your pension or social security isn't growing at the same rate as your tax bill, a paid-off home is no longer a paid-off obligation.

Because you're still paying for the house, just not in the way you were expecting.

You may not have a mortgage payment anymore, but the government will always send you a bill, one you may no longer have the money to afford.

A raise used to be about moving forward.For a lot of families these days, it's about not falling back.Most people aren't...
24/09/2026

A raise used to be about moving forward.

For a lot of families these days, it's about not falling back.

Most people aren't envisioning yachts and beach houses when they think about a pay increase. They're thinking about the insurance renewal, the dental premium, the refrigerator's ominous buzzing and the set of tires that inexplicably cost $4,000.

These are the conversations people have when the subject of compensation comes up.

Sometimes their expectations aren't that they'll be upgrading their lifestyle.

Sometimes they just feel that their earnings haven't kept up with the cost of maintaining their current one.

Four new tires should be an aggravation, but an air conditioning repair should be a disappointment and a visit to the urgent care center should not require a six month recovery plan.

When the recovery fund can't ever mend itself from the last emergency, normal aspects of adulthood begin to feel like ones that have been tripped over too many times.

A good income isn't just about what you can afford.

It's about having a little breathing room before an ordinary bill does something truly disorienting to your financial world.

I used to think that calling it a night meant it was already tomorrow.Now it means I glance at the clock, see 8:42 and s...
24/09/2026

I used to think that calling it a night meant it was already tomorrow.

Now it means I glance at the clock, see 8:42 and start making responsible decisions.

Getting older is a sneaky kind of thing.

One day you're strolling out the door at 9pm with no worries in the world.

The next day you're asking yourself when is the event starting, when is it ending, how loud is it going to be, where are we parking, are there going to be chairs?

We don't turn into grandparents overnight.

It's a slow decent into trying to protect our sleep like it's our retirement account.

We start worrying about menus before we leave the house.

Saying that something "sounds fun" while secretly hoping that everyone will agree to just cancel.

And suddenly 8:30pm is the dividing line between a normal evening and what are we even doing here?

At this point my ideal night is out with dinner early, getting home safe, wearing something comfortable, with my phone on silent and zero percent chance of leaving the house again.

One of the most bizarre things about growing up is that you realize the adult in charge can be wrong.At 16, a manager pr...
23/09/2026

One of the most bizarre things about growing up is that you realize the adult in charge can be wrong.

At 16, a manager probably felt like the person who was supposed to know better. But this kid knew the money wasn't hers, no matter what someone with a title told her.

That's a lesson worth hanging onto.

Doing the right thing isn't always complicated. Sometimes you know exactly what the right thing is. The hard part is having enough backbone to do it when someone else gives you permission not to.

And I think this is one of those things we have to teach our kids beyond simply saying, "Respect authority."

Yes, respect authority.

But also develop judgment.

Listen to your conscience.

Think for yourself.

And understand that a title doesn't magically make someone right.

Character is what you do when taking the easier path has already been approved.

That's a pretty good lesson to learn at 16.

A relative of my friend's cousin ejected a groomsman from the wedding party since he refused to purchase a $600 suit.The...
23/09/2026

A relative of my friend's cousin ejected a groomsman from the wedding party since he refused to purchase a $600 suit.

The man had a tailored black suit which he could use. The bride insisted that everybody should be wearing the same suit.

He told her that he lacked money for such a frivolous expenditure.

That was all it took; now he’s no longer a friend.

It is obvious that his outfit was more important than his friendship.'

\WeddingDrama

Nobody speaks up for billionaires more than those who aren’t even considered thousands.Those with the smallest amount of...
23/09/2026

Nobody speaks up for billionaires more than those who aren’t even considered thousands.

Those with the smallest amount of overlap sometimes end up being the most vocal advocates.

This is an odd dynamic because the farther away you get from that level of wealth, the more some people fight for it.

Those who are sitting on the billions don’t really need to be defended.

A doctor’s note requirement for sick days is a class issue in a nation without universal health care.This requirement wo...
23/09/2026

A doctor’s note requirement for sick days is a class issue in a nation without universal health care.

This requirement would mean having to take time off, spend money for an appointment, and pay a co-pay or deductible just to prove you were ill.

Those who have flexible employment, good insurance, or enough savings to afford such expenses will be able to cope with this requirement.

However, others do not have such options available to them.

This requirement assumes that everyone will have equal access to medical services, and it clearly does not.

If we look at the most highly paid jobs in the world at the moment, we see that they are mostly medical professions in s...
23/09/2026

If we look at the most highly paid jobs in the world at the moment, we see that they are mostly medical professions in specific areas, some tech jobs, finance jobs, and some others.

To be more specific, neurosurgeons, orthopedic surgeons, anesthesiologists, and their likes hold first places, and after them there are highly-paid jobs in technology, engineering, and finance.

The rule is quite clear – highly paid positions need special training, great responsibility, or are simply hard to find.

It helps one understand which direction to choose for his/her career, but, unfortunately, this picture is not very diverse.

Survey results keep coming back that about half of Americans would have difficulty covering an expense of $500 in case o...
23/09/2026

Survey results keep coming back that about half of Americans would have difficulty covering an expense of $500 in case of an emergency without borrowing money or selling anything.

And yet coffee shops are filled with waiting people every morning.

The small day-to-day expenses seem to be easy at the very moment. Large expenses come out of the blue and catch one off guard.

It is exactly that gap which makes an emergency fund matter even when it is a relatively small one.

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