As the period of globalization and technological advancement proceeds incumbent workers, ie. the youth, face increasingly harder and higher standards of competition. The follow are the largest factors: Decreased friction - Job postings, university applications, investments and economies have all reduced friction in their processes. Each one of them you can get almost perfect information as to what exists and how you could fit into that picture. The competition pool for jobs has shifted from immediate vicinity that happens to see the posting, to the entire subset of people meeting the basic qualification in the world.

Everything can be scary. Getting a job. Losing a job. A virus. An expensive mistake. What differentiates the warriors from the plebs is how you deal with this. You are allowed to have shit days. They happen. Averages don't matter. Avoide walking across a river that is 4’ deep on average. It won't go well for you. On bad days, you have the chance to be stoic. Calm down and take inventory of your situation and reflect.

The destruction of so many lives this week will come as a result of many decisions made in the last decade. The mess in the system is slowly unravelling. As the “value” of many businesses, assets and currencies evaporates it is the market pricing in what has happened and what it thinks might will happen. As no one knows, volatility has entered the realm to encourage people to act in order to once again find an equilibrium of sorts.

A good way to approach anything in life is to only make decisions when you have the data. An imperative initial step is to determine what data is available, it’s reliability, relevance and cost to acquire. Upon doing so, the remaining ambiguity is the price in risk that you will have to pay to take part in the game. At this point it is widely accepted that humans are inherently not rational actors.

What I wish I knew earlier: The different types of leverage that exist - generally these types of leverage also have an associated debt. Human, Capital, Knowledge etc. The only way to have a big pay off is to utilize the compounding that leverage allows. One must also be aware of the acute pain that this leverage can inflict on the user. Humans are hard to manage, interest is hard to keep in check, and code becomes expensive to manage.

Principal Residence Purpose To assist in the selection of realtor, provide salient facts and strategy for the purpose maximizing returns. Realtor Selection Ensure to use our MLS access to more thoroughly vet realtors in an objective manner. Be aware of being “sold” a listing. Note objective reasons realtor is selected, hold them accountable to these reasons. The MLS will likely provide 100% of the exposure this listing will get. The property will counterintuitively get more attention, thus possibly more value from someone with less listings than more.