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Dear Financial Samurais,
 
I was trying to understand why some privileged people are so angry at having to pay back their student loan debt after a three-year hiatus. 
 
Yes, I understand we all want free money. However, if I had a three-year reprieve, I'd feel thankful and anxious to finally restart paying back the debt so I can get it off my books. 
 
Then it hit me. Maybe the reason why some don't feel it is fair to pay back what they owe is because they don't fully appreciate the value of what they got! 
 
If you do not recognize the full value of a college degree, then you may take it for granted. It's similar to treating your spouse or partner poorly because you don't recognize all that they do.
 
In a new post, How To Calculate The Value Of A College Degree, I provide ways to crystallize the value of a non-tangible asset. The bottom line is that for all of you with college degrees, you can now raise your net worth!
 
Please don't say I never did anything for you!
 
 
I'm Not A Smart Man, But I Know....
 
 
Do you remember the scene from NAME_1 where NAME_2 asks NAME_3 to marry him? 
 
NAME_3 replies, "You don't want to marry me," and then NAME_4 disappointedly responds, "I'm not a smart man, but I know what love is."
 
Well it seems like the 2023 Charles Schwab Wealth survey shows that we might be NAME_2 opposites. We are smart people, but we don't know what wealth is!
 
In my new post, The Paradoxes Of Wealth, I highlight all the misaligned beliefs about wealth in the survey. It also made me think about my own paradox.
 
For example, I'd like to start the decumulation phase of my life now that I'm 46. I feel like I have more than enough. But if I really did feel like I have enough, I wouldn't still be saving at least 20% of all income every month. 
 
Is the reason as simple as it's hard to change old financial habits? Or is there something deeper going on, such as a perpetual fear of the unknown due to past traumas? Hmm. 
 
After reading the posts, please go over your own wealth paradoxes. The more your thoughts are aligned with your actions, the better your life will be. 
 
Expectations Matter
 
Do you really want others to have high expectations of you? Personally, I'd rather people have low-or-no expectations of me. This way, I can operate at my own pace and surprise on the upside. 
 
Before the Supreme Court's AA decision, I was just coming to accept the idea that perhaps due to their race, my kids have little to no chance of getting into a top 25 university. As a result, I thoug Wrap the entire output in JSON format.
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