10. "Finances." Don't waste your time following the stock market unless you're day-trading. Don't day-trade unless you're going to do it full time. Invest your savings at first in an index fund (or buy SPY, which is pretty much the same thing) and move a bit to a money-market fund each year so that it's nearly all in that form by the time you hit retirement. You don't need an investment advisor unless you have millions of dollars to manage. Keep enough of your money in a liquid form that you can cover emergencies; historically this was dollars, now it might be Bitcoin, though I'm not sure yet. Buy a house (and keep most of your savings offshore) if you live somewhere politically unstable. None of this, except for buying a house, will cost you hours per week, more like hours per year.
All of this can get a great deal more time-consuming if you're poor, because you're desperately trying to avoid disaster by carefully juggling things here and there. There may not be anything you can do about that, but if you're in that position because you're just spendthrift (as suggested in point #1), then get a grip.
11. "Taxes." Yes.
12. "Responsibility for yourself." Yes.
13. "Responsibility for your dependents." Yes, some of this is unavoidable, but note that many people choose to spend an enormous amount of time on it at no real benefit to their dependents. Also, to some extent you can influence how many dependents you have — the most responsible choice is to be childfree, because the human population is not in any danger of dying out from under-breeding. You may still have parents, siblings, adopted children, and so on to take care of, but you'll have less dependents and correspondingly more autonomy if you don't add to the population problem by breeding.
14. "Being sick." Yes.
15. "One time errands." Yes.
16. "Long term planning." Yes, this is the main thing. It should be #2, after cultivating friendships and other connections with other people, not #16.
1. "Attire and grooming." There are jobs that do require fancy clothes (even ironed shirts and ties! even now!) and you should count that as part of the work hours when you are considering taking such a job. I've had the wonderful good luck to work almost exclusively at jobs where I could show up in a T-shirt and slacks and get a haircut every month or three and be fine. In the spring, summer, and fall I usually take cold showers, which cuts my shower time to about three minutes. You can brush your hair walking down the street if you don't just shave it off.
2. "Sleeping." Yes, this is super important.
3. "Eating." Yes, this is super important, although I certainly don't spend 10½ hours a week on it.
All of this can get a great deal more time-consuming if you're poor, because you're desperately trying to avoid disaster by carefully juggling things here and there. There may not be anything you can do about that, but if you're in that position because you're just spendthrift (as suggested in point #1), then get a grip.
11. "Taxes." Yes.
12. "Responsibility for yourself." Yes.
13. "Responsibility for your dependents." Yes, some of this is unavoidable, but note that many people choose to spend an enormous amount of time on it at no real benefit to their dependents. Also, to some extent you can influence how many dependents you have — the most responsible choice is to be childfree, because the human population is not in any danger of dying out from under-breeding. You may still have parents, siblings, adopted children, and so on to take care of, but you'll have less dependents and correspondingly more autonomy if you don't add to the population problem by breeding.
14. "Being sick." Yes.
15. "One time errands." Yes.
16. "Long term planning." Yes, this is the main thing. It should be #2, after cultivating friendships and other connections with other people, not #16.
1. "Attire and grooming." There are jobs that do require fancy clothes (even ironed shirts and ties! even now!) and you should count that as part of the work hours when you are considering taking such a job. I've had the wonderful good luck to work almost exclusively at jobs where I could show up in a T-shirt and slacks and get a haircut every month or three and be fine. In the spring, summer, and fall I usually take cold showers, which cuts my shower time to about three minutes. You can brush your hair walking down the street if you don't just shave it off.
2. "Sleeping." Yes, this is super important.
3. "Eating." Yes, this is super important, although I certainly don't spend 10½ hours a week on it.
reply