Unraveling the Mystery: How AI Legalese Decoder Can Help Those Who Struggle to Get Ahead
- June 2, 2024
- Posted by: legaleseblogger
- Category: Related News
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## Situation Analysis
All,
So I follow a blogger called Hope, at Blogging Away Debt.
Hope is a tremendously hard working person and cares about her kids a ton. And when I read her work, I find myself asking, why is that some people don’t seem to get ahead when others thrive?
For example, here is the latest:
I don’t want to call anyone out specifically here, but these kinds of stories do make me wonder what the differences are between those who are less successful and those who are more successful.
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AI Legalese Decoder: Simplifying Legal Jargon
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Case Study:
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****** just grabbed a
“what the differences are between those who are less successful and those who are more successful.”
You’re in luck! Honestly whole genres of books are dedicated to this stuff.
I can’t tell if you are joking?? Hope is a known grifter/internet crazy person. She basically exists to be [snarked](https://www.reddit.com/r/blogsnark/comments/cejx0a/blogging_away_debt/?utm_source=share&utm_medium=web2x&context=3) upon.
I would have a hard time getting ahead with a $650/mo auto insurance premium!!
One important angle is that, within a single game, hard work moves your outcomes up the distribution of possible outcomes. There’s a maximum payoff for playing a game perfectly, and as you work harder you’ll approach that maximum value.
Like, the [10th percentile electrician makes $20/hr, and the 90th percentile electrician makes $40/hr](https://www.ziprecruiter.com/Salaries/Electrician-Salary). Working harder will move you between those end posts. It will never make someone pay more than some maximum amount for electrical work though. No one will pay 10x more for the world’s best electrician than for a great electrician to wire their lights. A great electrician gets paid more or less the maximum amount already.
But the [10th percentile software engineer makes more than $40/hr](https://www.ziprecruiter.com/Salaries/Software-Engineer-Salary), and the 90th percentiles software engineer makes $100/hr. Being a lazy, but employed, software engineer is more lucrative than being the world’s best salaried electrician. Then a fantastic, hard working software engineer can make far more.
Businesses have wider spreads and can go negative or far more positive. Different businesses have even more severely different distributions of possible outcomes.
Our society does a lot of work telling people to work hard, and not enough telling them to pick the right game to play. To be really successful you have to do both, but the latter matters more.
For that person’s blog, they’re just carrying too much weight relative to the earning potential of the game they’re playing. When you spend less than you make your net worth compounds positively, and the capital acts like a floatation device pulling you to the surface. When you spend more than you earn your net worth compounds negatively, and the debt acts like an anchor pulling you down under the water.
If you want to be financially successful it’s really very simple in the abstract. Make more money and spend less. Both sides of that equation matter equally. If you can’t spend less you have to earn more. If you can’t earn more then you need to find a way to spend less. If you think you can’t spend less, then you have to lower your standard of living until you can, or work harder or in a different game until you earn more.
She is “foster/adoptive single mom to five kids.” Being a single mom to five kids sounds very hard.
There are many, many research studies that support that the socioeconomic status of the parents is the strongest single predictor of career, social, physical, and mental health outcomes.
Guidance, drive, intelligence, work ethic, education, etc.
You need all this and more to get ahead.
Some people have major life events like an illness or something that doesn’t let them get ahead.
If you manage to stay healthy and employed and still a disaster with money, these decisions are on you and you probably lived for today rather than planning for the future.
I have good friend like that. Makes a ton of money, constantly broke and in debt. He literally cannot understand that.
It comes down to tiny, seemingly insignificant choices that he makes daily. Those keep compounding and it creates a massive drag on his finances.
Combo of nature and nurture. The opportunities and support systems you have when young play a large role. So does talent, work ethic, and perseverance, and good decision making.
$650/mo for car insurance is insanely high. We pay less than half of that to cover 3 cars WITH a 17-y/o driver on our insurance.
I find the $100/mo for groceries highly questionable, to say the least, especially since she’s apparently not living alone.
For people not in poverty that have extra money to spare, short term gratification is a big factor. People would rather have a fancier car, a bigger home, nicer clothes, more meals out than have to make sacrifices. I think a lot of this comes from the education system and not understanding the benefits of compounding and delayed gratification.
People also estimate how much money they need to retire or how lifestyle inflation works. I have friends with good jobs who spent their 20s saying they’ll save later when they make more. Now they have more responsibilities, a house, and kids, and it just isn’t possible.
I save a lot to get ahead, but I also sacrifice a lot. But I don’t mind driving my car until it has 200K miles, or shopping secondhand, or living in housing that’s modest to give myself a leg up financially. It really comes down to personal preference and whether you want to give up something in the short term.
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Hope is an idiot with 650 auto insurance
With more than 5% of their take home pay going to dog food, I think it’s pretty clear this person doesn’t make the best decisions.
An enormous chunk of it is dumb luck. And nobody *really* wants to engage with just how enormous that chunk is.
Most of my success was luck. My first job after college fell into my lap. That hiring manager hated the company and as a final FU before quitting, fought to get me a lot more salary than I should have had, which set the bar for all of my raises and offers moving forward.
I wasn’t a particularly careful or cautious 20-something, I very easily could have ended up with kids but was just lucky not to. The guys I dated definitely would have left me a single parent.
I was very lucky to find a home to buy very shortly before rates started skyrocketing. I stumbled through the buying process and did everything you aren’t supposed to do (bought with zero savings, used a spare 401k to cover closing costs, never viewed the home in person before making an offer…) and submitted an offer my agent was certain would be rejected as insultingly low. It was accepted.
I try really hard not to judge or question why people aren’t more successful when they’re struggling (I often fail at it but I’m trying) because I could be them, *I was just lucky*.
Being married to a spouse that spends way too much and doesn’t care
There are so many reasons. What gets me is when we abstract away from obvious stuff like parental wealth, intelligence, mental and physical health.
I think about my own extended family, particularly my siblings and cousins. Just about all of us grew up the same way. We all had broken homes; we all lived in poverty or just slightly about poverty. We went to the same fairly awful schools in dangerous neighborhoods. But we turned out very different.
One is single guy, no college degree, two kids to different mothers. He has a nonviolent felony record. He’s never had stable work until lucking into a decent government job earning about 50k per year from that and another 10k from ride-sharing and food delivery. He has tons of debt and horrible credit.
Another is a single guy, no college, no kids. He works in sales and also earns about 50k per year. He’s pretty young and has been getting steady promotions. He has zero debt and saves basically everything.
Yet another is a single woman with a college degree, no kids. She can’t really keep a job. She’s doing Uber now, earning like 30k. Also has loads of debt and bad credit.
A fourth is a single guy. He went to the same college as the woman and got a similar degree. He has a kid. He’s a middle manager in the education world, and he’s earning 75k. Moderate debt that’s under control and good credit.
Then the married guy. He has a couple of degrees, no kids. Also in the education world, he’s earning over 200k. Spouse kicks in another 80k as the executive director of a nonprofit. Moderate debt that’s under control and good credit.
Finally there’s another woman. She basically has a common law husband. She has two kids to different fathers. She has a certification in a trade but hasn’t really worked in that trade in over a decade, mostly because of raising the kids. She gets public assistance that’s about 20k per year. The ‘husband’ character rarely works. He maybe contributes another 8k per year. She has almost no debt and surprisingly good credit.
As I said, we all grew up the same. How are our lives so very, very different? We all had moments of making good and bad decisions; we all have strengths and marketable skills. Yet one of us is in dire poverty while another is in the top ten percent. Of course, it’s easy to say why someone who isn’t working has less than someone who is, but it’s not as easy to see how the first person got into a rut while the other escaped it. Or better: when good things happened to both people, only one was able to build on it.
Combination of factors:
1. Location/ Where you were born in setting such as location and family wealth
2. Decision making
3. Career path/Education
4. Luck
5. Charisma
6. Personality/Political networking
7. Willingness to sacrifice.
Realizing you cannot have it all is one step to getting better in finances. If you plan to have a high-volume of children aka beyond two, realizing the old idiom that where you feed one you feed more is nonsense. You have to sacrifice something for another. Period.
If you want three and more, think about relocating to an area where both can find jobs that are high paying. If one has to work, and the other one stay home, then living near family that can help support both is crucial.
If you are born into middle class where your parents had degrees and you have legacy admissions or legacy methods, realizing you have connections from your parents that have helped. Unless you decided to ditch the parents and move 20k miles away, even then though if they helped with high school part of what you are is due to them.
4-6 come into play in professional life. The more you network, the more you connect with others outside of your own organization or even industry the better it is for you ti find jobs and high paying ones at that. Though this comes in.
On decision making that also means financial acumen and financial insight. As a woman, and this I say as someone that does not have kids. Analyze your trajectory. If you want to have enough disposable income to travel all over Europe, you have a choice. Don’t have more than one kid and have a GREAT career. Do not look for the man that earns six digits. Be the one to get close to it and marry someone a bit below or above your own salary but do not seek out one that’s overtly wealthy so you can stay home and mother. This is not how it works in society.
Now if you do not mind living in a town, living and having to budget every week, Sure go ahead and have twenty kids if you want, but please reconsider blaming the government and blaming everyone else because you can’t afford food. In other words, you have to adjust your life to your goals. If you want kids, and that’s more valuable than the luxury lifestyle do not move to a metropolitan and work even if it’s part time such as youtube videos or something that earns some lucrative extra cash. because men do loose jobs and that causes stress in households.
Just be aware of what you want to achieve. Have one or two kids and that is fine. Have one dog if you want But know that they have costs to them. So plan accordingly.
Just remember that one child is about 1 million dollars in 18 years. Plan well.
Personality. Unwilling to slog to achieve a goal, impatience that it takes so long to achieve said goal, having a hard time finding a goal that you think is worth the effort (indecision), unable to stick with a decision (you keep changing your mind), being very unsure of yourself, constantly doubting yourself & doubting your decision, fear of failure, unmotivated, no drive, no ambition, lack of self esteem, lack of self confidence, not knowing what you want.
Privilege and luck. If you do not have at least one of those you most likely will NOT be able to “lift yourself by the bootstraps”. Meritocracy is a lie. Especially in USA
Drive and willingness to perform outside of one’s comfort zone.
I’ve had 30+ professions in my life, and I’m only in my early 40s. I realized early on that there was no job beneath me in order to get ahead in life, and I took every opportunity to make sure that the bills were always paid, and paid early.
Read through the posts on Reddit today in various subs and you’ll see a wildly different mindset. Specifically to your blog post, though, it says Hope is a foster mother of 5 kids, and it also says that she needs more money. It sounds like the answer is there, but she fails to make the leap into getting a 2nd or 3rd job, even if temporarily. Hell, my mom did the same for us when my dad left. You do what needs to be done, not complain about how things should be in some idealized and fairy tale version of life.
Need a lot of hard work but also need a bit of luck
Life is a coin flip. Meaning life is luck based on the time period you live in, the geographical location you live in, the culture you were raised in, the family you were born in, the schools you went to, the friends you got close to, the jobs you’ve chosen, etc. So let’s say heads win and you flip heads on all of those things. Let’s also say you flip heads on good health. Finally, let’s say you flip heads on making great investments. Now you are rich and people will ask “How did you get ahead?” and these people will respond “I felt a lot of tails energy but I flipped heads” but no one asked those who flipped tails if they felt tails energy……the reason is because those who flipped tails felt heads energy but due to odds they never won. No law of attraction can overcome this.
Because they don’t know that their auto insurance premium is bi-annual, not monthly.
Absent a catastrophe that wipes you out or a disability that interferes with your ability to work, the secret is mostly discipline and perseverance, combined with basic personal financial management skills.
Spend less than you make.
Prioritize putting at least 10% of your gross income away toward your retirement (preferably more)–invested properly, not sitting in a savings account.
Budget well and stick to your budget.
Work at increasing your income.
Work hard at making your money work hard for you: yes, this means learning something about investing in whatever type of investment you prefer.
Because they have too many kids. If you really want to be a parent, have only one. more kids , more financial problems.
She has 5 anchors dragging her down.
Kids are a luxury. She chose to adopt/foster 5
Rims…
Talent is equally distributed but opportunity is not. Specifically, the more wealthy the family you’re born into, the better your odds of financial success. This is a class thing. Nothing else.
I watched a tiktok video of person with a career in dealing meds, with a side business and side hustle still can’t get head. It does make me wonder. No judgement to the person, but you can’t help but be curious.