Young people dream of a future full of possibilities [see photo] but most will be saddled with student, credit card, and other forms of debt. However. The future is dark for those born around two decades ago unless they commit to some bold rules for their lives.
Rule One. Refuse debt of any kind. You must be bold because this may mean that you will not go to College, Art School, or Jazz Master Classes. A long dark Winter of debt-imposed poverty is about to descend upon an unsuspecting world. As a result of this development most young people will likely be poorer than their parents [not a bad thing perhaps] and this will create tensions between generations. What was good practice for the parents of these young people will no longer be prudent for them to follow.
Rule Two. Form relationships based on trust. A first step towards this goal is to substitute the word "collaboration" with the word "cooperation". Cooperation relies on trust between the participants whereas collaboration does not. When the debt-imposed Winter settles on the world [most likely within the next 2-5 years] your trust in money will be tested. Trust in the institutions and traditions that raised you will become shaky. The trust factor in your life will begin to fade unless or until you recreate it for yourself.
Rule Three. Create a family if you dare. Parental pressure on you to have children must be ignored [easier said than done eh?] However. If you plan to have a family you must begin with a genuine need. The benefits you will derive from a functional unit can be unique; but, the real costs of a dysfunctional family can be horrendous. In the recent past the family unit was the mainstay of a community or a nation but today that role has been subsumed by government institutions. One way you can buck that modern trend is to commit to"home schooling". Other plans you may like to consider include to rent not buy a house, to pay cash for your car, to pay cash for your furniture, etc. The principle underpinning your decision to create a family is "keep it simple".
Richard
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