debt

In times like these a level head is needed now more than ever. And yet we have the opposite running countries. If you were to survey citizens across the world what it is they want in life, it would be food, education, health care, shelter and a fighting chance for the next generation or two to have the same things. And yet is it really human nature to make it so complicated that we have to struggle to maintain an even adequate standard of living? Why is it acceptable for the few who have amassed both money and power to continue to make more and more money so the rest have access to less and less? Is greed and power so much of an aphrodisiac that people lose sight of their humanity? I have news for you – we will die.

Death limits what we can take with us and makes things equal in the end. This begs the question how can one enjoy in a lifetime that amount of money totaling in the billions? And why is this acceptable? I remember the day when making millions was quite an accomplishment. Billions would take multiple lifetimes to spend. It’s not like that amount of money can stave off the inevitable. It will happen no matter what, and leaving a legacy at what cost? What makes this unacceptable is that there is a cost to be paid when individuals become this wealthy. Someone somewhere down the line that you and I will never see pays the price. Actually many are paying the price, whether it is in the form of low wages, child labor, unfair labor conditions or all of the above. Nobody is immune to paying the price when someone makes that much money – nobody!

What makes matters worse is that average folk think if that person can be rich so can I. People get sucked into the myth of, “I can be if I just say it is so and do it.” Truth be told it – it isn’t true. The unfortunate consequence is it becomes a dog eat dog world at the cost of humanity. A free for all where we step over one another and get what little pieces are left at whatever cost. And if you cannot hit it big, then the least you can do is put on airs by literally adorning yourself with the accouterments of the rich by buying name brands that proudly send a message of wealth or upward heading mobility – a facade. While at the same time amassing mountains of debt. Actually, if you think about it you are most likely simultaneously creating debt for yourself and paying the wealthy more and more. While you both will be leaving a legacy, the rich in an obvious way you will be leaving a negative legacy. And that is required to be paid off because thanks to the rich you have been paying have influenced politicians to enact laws that make you have to repay any debt accrued on a credit card or unpaid loan you may have taken out before you up and died.

Initially they will memorialize you and talk up a good game at the funeral. Funerals bring that out in people. When the food stops coming and the friends who were there for your family move on with their lives, your wife, husband or significant other are stuck with not only the memories of photos during poignant times in your life, but also with what starts out to be monthly credit card and loan bills. The legacy continues with unpaid bills accruing interest while they continue to grieve having lost sight of life. This is normal, but not to the bill collectors who begin to call weekly. Calls are answered to explain the extenuating circumstances. At first they lend a sympathetic ear. It is a false empathy meant as a form of manipulation as they connect to the grief. Really they are taking notes so that each time they call they wear them down. Over time the goal is to get them to pay so that they too can get their commission for a job well done. You see they are in debt just like your mourning family members. But they will never say anything because they pay their bills on time, they tell themselves each time they make a phone call.

No savings left and the calls are daily now. When will they start knocking on the door? Soon they repossess the car, then the furniture. I didn’t know my deceased rented the furniture. Makes sense in hindsight it looks too nice. The car, no not the car! Once that is gone there’s very little left except the house. Bankruptcy is the last option – A word that connotes disgrace and shame. Thing is they can no longer get out of it that easy. Thanks to your friendly neighborhood politician who come knocking on doors during the election season to get votes has voted not in their best interest. He sided with the rich who own the companies that make the most off of your still grieving family members. Declaring bankruptcy is not an option because the rich want what’s theirs – more money. The only way out is to follow in the footsteps of what you have started this in the first place. It’s killing them one way or another.

In the end how do you want to be remembered? By building a mountain of debt? Or living within your means?


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