Does Life Have Meaning?

It’s easy to say “fuck it, what does it matter?”  After all you’re just a speck, one out of 7.5 billion people on this planet, not to mention the billions that have came before you and will come after you.  So yes, you wouldn’t be wrong to say “fuck it”.  This is the nihilistic approach.  It’s not wrong either.  You can definitely make a case for “fuck it.”  But this approach is too easy and in a strange way more comforting than the opposite.  After all, by saying “fuck it” you can remove all responsibility.  Why does one have to do anything at all if it’s not going to matter in the end?

The opposite approach is to say that all life has meaning. It doesn’t matter if you’re the president of the United States or a high school janitor.  To be alive is to have meaning.  This approach is harder than simply throwing up one’s hands and saying “fuck it,” it’s less comforting too.  When one believes that there is meaning to life it all of sudden puts the weight of the World on their shoulders. You take on responsibility.  It means becoming aware of how you affect others, how you affect the World.


The Cheapskate Next Door By Jeff Yeager

The Cheapskate Next Door by Jeff Yeager is a must read for anyone aspiring towards financial independence.  Unlike most books on finance, The Cheapskate Next Door won’t put you to sleep.  Yeager writes casually.  It’s an easy read.  He also fills the book with plenty of practical resources and examples of people living the frugal lifestyle.

This book covers many of the topics that get discussed often in financial independence community like housing, food, commuting, bartering, raising kids, insurance, travel etc.  Some of the topics will apply to your life situation at the moment and some topics you may just want to gloss over.  For instance, I skipped the chapter on raising kids, but spent extra time taking notes on the chapter involved with groceries and cooking. For the most part, each chapter gives you plenty of practical advice you can apply now.

After finishing The Cheapskate Next Door, I went back to take notes.  If I have any complaint about this book it’s that he should add a section with all the resources he mentions in the book.  Here are a few Cheapskate tips I found interesting:

Fiscal Fasting:  Challenge yourself to go a week without spending any money.

Plasma donors can typically earn $20 per bi-weekly visit.

Clean counters, stoves, and sinks with 1 part baking soda to 5 parts water.

If you drink only bottled water you’ll spend about $1,400 annually to get your recommended daily amount of H2O.

Find unclaimed money you didn’t know you had.

20 Tips for groceries and cooking.

Get cheap gift certificates to restaurants.


The Cheapskate Next Door doesn’t touch on ways to make money.  Yeager doesn’t talk about jobs, investing, or side hustles.  Instead Yeager focuses on how to spend less. I feel this is more practical for most since you have more control on how much you spend, not always on how much you earn.

You can probably find The Cheapskate Next Door in your local library (Yeager made this book available to most libraries on purpose).  But if for some reason you can’t find this book in your local library you can buy it here.   

Financial Lessons From “The Story Of OJ”

I heard “The Story of OJ” for this time the other day.  I’ve been listening to it non stop since.  It’s only four minutes long, yet Jay-Z packs more financial advice in it than most books.

“The Story of OJ” is obviously a message to the black community, but it applies to all races.

Here are some of my favorite lyrics: 

I bought every V12 engine Wish I could take it back to the beginnin’ I coulda bought a place in Dumbo before it was Dumbo For like 2 million That same building today is worth 25 million Guess how I’m feelin’? Dumbo

Translation:  The path to financial freedom is not about buying items that will depreciate.  The path to financial freedom is about buying assets.  Jay-Z is regretting using the money he made earlier in his life to buy things that made him look rich instead of investing in property that would actually make him rich. 

You wanna know what’s more important than throwin’ away money at a strip club? Credit. You ever wonder why Jewish people own all the property in America? This how they did it

Translation:  Cars.  Strip clubs.  There fun, but they’re just more ways you can throw away money instead of making it work for you. The Jews didn’t become wealthy because of shady dealings.  They became rich because they knew how to play the game.

Financial freedom my only hope Fuck livin’ rich and dyin’ broke

Translation:  Spending money to appear rich will push you further away from financial freedom.

Y’all think it’s bougie, I’m like, it’s fine But I’m tryin’ to give you a million dollars worth of game for $9.99

Translation:  This isn’t just music to dance to, it’s advice from someone whose gained financial freedom.  Buying his album is a small price to pay for knowledge that will put you on the path to financial freedom.  It’s amazing how people will waste money on buying lottery tickets each week but won’t fork over little money for knowledge that could make them rich.  Once again, ASSETS.  

Are You Missing The Point?

The guy I work with buys lottery tickets.  He says it’s just fun to think about what he would buy with the money if he ever won.  This lead to a conversation about retirement, specifically, how much money you need to retire on.  I mentioned that I followed a few bloggers that were able to retire in their early 30’s by sometimes spending only 5,000 a year.

My coworker’s response was: “yeah, but you would have to live like that for the rest of your life.”

I will agree that living off $5,000 a year is an extreme case.  I’m sure most of the extreme early retirees are living off a lot more than $5,000 a year, but that wasn’t the point.

The more I talked about how these bloggers lived to reach early retirement the more I could see him checking out of the conversation.  It’s like a wall went up.  I could see that it wasn’t in his reality that people could actually be happy, and even prefer, living below their means.

I feel that most people share my co worker’s thinking went it comes to early retirement.  Why retire early if that life has to be one of deprivation.

My thinking tends to be why spend my entire life working for money to buy things I know aren’t really going to make me happy.

Does one live a life of deprivation if they ride a bike instead off a gas guzzling SUV? Does one live a life of deprivation if they cook every night instead of eating out at fancy restaurants?  Does one live a life of deprivation if they use a burner phone instead of the newest iPhone?  I don’t feel deprived.

Saving money with the motivation to consume more is missing the point.  FIER is not about amassing wealth so one day in the future you can spend it recklessly.  FIER is about gaining control over one’s time (the most valuable commodity), avoiding conspicuous consumption, and becoming less dependent on the financial system in general.

Do you fantasize about what you would buy with the money you save?  Or do you fantasize about how you will spend your time when you no longer have to worry about money?

If you fantasize about the latter you’re approaching FIER from the right place.   

26 Thoughts On Week One In The NFL

One week down. There’s been a few surprises and already a handful of injuries.

It’s hard to get a real feel for any team after only one week.  It usually isn’t until a quarter way through the season that we can get a feel for the contenders and pretenders.  However, this won’t stop me or any other armchair quarterbacks from jumping to conclusions.

Here are a few of my thoughts from week one in the NFL:

1.  So much for the 16-0 talk.  The Patriots got absolutely dominated by the Chiefs.  The loss of Edelman is obvious.  The lack of pass rush is going to hurt them all season.  Belichick will figure it out, but I don’t think the Patriots are the overwhelming favorite to win the Super Bowl anymore.

2.  Since I’ve been watching the NFL the Chiefs seem to be the same team.  They play good defense, run the ball well, and have a game manager at quarterback.  Every couple of years they will get a first round bye and then lose a low scoring game in Arrowhead.  Will it change this year?  Their week one win over the Patriots suggest that this year’s Chiefs may be different.  But I doubt anyone takes them seriously until they win against a legit team in the playoffs.

3.  Carson Palmer looked terrible on the road.  David Johnson is out for 2-3 months.  It’s only week one, but things are already looking dire for the Cards.

4.  I thought the Lions would regress this year because they wouldn’t have the same luck as last season in close games (8 of their 9 wins were comebacks). Then the Lions go out week one and win another game in which they trailed entering the 4th quarter.  Maybe it’s not luck.

5.  Minus the terrible interception to Kerrigan, Wentz looked really good on Sunday.  With addition of Jeffery and the improvement of Agholor,  Wentz finally has some offensive weapons.

6.  The loss of Jackson and Garcon is going hurt to the Redskins this season.  Cousins looked mediocre most of Sunday’s game.  The offseason addition of Pryor is seeming to help him out.

7.  I expected the Falcons to thrash the Bears, but they barely got out of Solider Field with a win.  Then again, a win is a win.

8.  The Bears played better than I expected.  Glennon played better than I expected.  He would have got his first win as a Bear if his receivers could catch the ball.  Maybe Trubisky won’t be starting by week 5.

9.  I knew Savage would lose his starting job, but I didn’t think it would happen after only one half of football.  Different season, but still the same old problem for O’Brien.  The lack of quality quarterback is killing this team.

10.  The Jaguars had one of the most surprising wins of week one.  My OROY pick, Fournette is already looking good.

11.  The Jets are who we thought they were.

12.  Yes, the Bills won on Sunday, but it was against the Jets.  There’s still no way to tell if this team is mediocre or just bad.

13.  The Titans (this year’s sexy pick) played the Raiders tough, but ultimately the Raiders were too much for them.  They did what legit playoffs team do, win tough games on the road.  I should have never doubted the black & silver.

14.  Everyone seemed to be writing this Bengals off this season, which I didn’t agree with until I saw highlights from Sunday’s game against the Ravens.  The defense didn’t look good, the offense got blanked, and Dalton threw 4 interceptions with a passer rating of .6!

15.  I thought the Ravens would have one of the top defenses in the league this year.  They sure looked good on Sunday shutting out the Bengals on the road.

16.  Yes, the Steelers won, but it feels like they should have won by more.  They let the Browns hang around and barely escaped with a victory.  This seems to be the Steelers MO.  They play down to their competition.

17.  Kizer wasn’t spectacular, but he looked better than any of the other quarterbacks the Browns have trotted out opening day in the past decade.  There is reason to be optimistic in Cleveland.  These don’t seem like the same old Browns.

18.  A Luck-less Colts may be the worst team in the NFL.

19.  The Rams beat a Luck-less Colts team, but still it was an impressive win.  Who saw h Goff putting up better numbers than Brady in week one?

20.  I didn’t see any highlights of the Panthers vs. Niners game.  Judging by the stats the Panthers did exactly what I thought they would do – handle a bad team on the road.

21.  I had both the Seahawks and the Giants going deep into the playoffs.  Both teams seem to be in similar positions.  They both have top 5 defenses, but lousy offenses, especially when it comes to offensive line play.  I think both teams can still make the playoffs, but they’ll be a quick out if they can’t fix their problems up front.

22.  I know it’s early, but I’m already declaring the Green Bay Packers the best team in the NFC.

23.  Maybe it helped that OBJ was out.  Maybe it was the poor offensive line play by the Giants, but the Cowboys defense looked good.  Prescott seems to be picking up from where he left off last season.  He’s legit which means the Cowboys are a legit Super Bowl team.  I should have never doubted them.

24.  Poor Brees.  If only he had a defense.  It’s only one game, but the Saints defense seems to once again be abysmal.

25.  Maybe it had to do with playing the Saints defense at home, but the Vikings looked good offensively.  We knew there defense was good, but the biggest question mark was their offensive line.  They showed up Monday.  So did Bradford.  Ditto rooked running back Cook.

26.  The Broncos narrowly escaped with a victory over the Chargers.  The AFC West is going to be an extremely tough division this year.   

The Way Of Men By Jack Donovan

A zoo is the analogy that comes to mind when I think of man in our modern world.  In a zoo they’re hundreds of animals.  Some of these animals don’t seem to be bothered about being trapped in small artificial environments.  A giraffe is one those animals.  It gets fed regularly and doesn’t have to worry about predators.  That’s almost an upgrade for the giraffe.

However, it’s a different story for predators like the tiger.  When you see a tiger at the zoo it doesn’t seem to move around as carefree as the giraffe.  It sulks and moves around lifelessly.  Like the giraffe, the tiger gets fed regularly and doesn’t have to worry about being attacked, but the tiger isn’t able to hunt.  The artificial environment of the zoo prevents the tiger from acting in it’s true nature the same way the modern world prevents man from acting in his true nature.

What is man’s true nature?  What does it mean to be a real man?  Your grandfather would have been able to answer these questions.  Your average millennial cannot.

With each decade, the definition of what it means to be a real man (masculinity) gets watered down.  Most definitions of masculinity are constructed to fit the mainstream narrative.  Today, masculinity is defined by how men should fit into a femcentric World.

In The Way of Men, Jack Donovan defines masculinity in way that speaks to any man no matter age, race, or creed.  Donovan’s doesn’t water down his message.  You don’t have to try to make his definition work for you.  It’s what you suspected masculinity is, but just couldn’t put into words.

Here are a few important concepts from the The Way of Men:

The Way Of Men Is The Way Of The Gang

“Being a man has more to do with man’s ability to succeed with men and within groups of men than it does with a man’s relationship to any woman or any group of women.”

Living in giant cities is a rather new concept for humans.  For most of human existence we have lived in small tribes.  The women of the tribe cooked and took care of children.  The men of the tribe hunted and protected the tribe from predators and other tribes.  The men usually broke up into smaller groups of 2 to 15 men.  This number of men worked well because it was socially manageable and it allowed strong bonds to be formed. When the number of the group rises(modern world) connections become superficial, trust breaks downs, and it’s harder to keep groups together.

Within these small groups men had to count on each other.  The men in the groups who were the fiercest warriors & best hunters moved up in status.  You wanted men around you that you could rely on when things got tough, and you didn’t want to be the weak link that let the other men down.

The way of the gang is main premise of Donovan’s book.  Basically, there are men you know will have your back, men you respect, and then there are men you can’t trust.

The Tactical Virtues

“Strength, Courage, Mastery, and Honor are the alpha virtues of men all over the world. They are the fundamental virtues of men because without them, no “higher” virtues can be entertained.”

Donovan states there are four virtues that make up a real man.  These virtues make a man dependable to a group of men when shit hits the fan.  In order to be a revered by other men you need: 

Strength: Strength defines masculinity.  Yes, women can demonstrate strength too, but men are physically stronger then women on average.  Nobody cares if women are strong, but there is a societal expectation that men should be strong, and there is no doubt that men respect other men with physical strength.  “Strength is the ability to exert one’s will over oneself, over nature and over other people.” 

Courage:  Strength is physical.  Courage is mental.  Courage exercises strength.  A man can look tough and appear physically strong but if he’s unwilling to step up it means nothing.  “Courage is the will to risk harm in order to benefit oneself or others.” 

Mastery: To put it simply, “being able to carry your own weight.”  Man should add value to the group with certain skills.  The more skills a man possesses the higher status he will have in the group.  “Mastery is a man’s desire and ability to cultivate and demonstrate proficiency and expertise in technics that aid in the exertion of will over himself, over nature, over women, and over other men.” 

Honor:  The culmination of all three previous virtues.  To be honored is to respected by one peers for displaying strength, courage, and mastery.  You gain honor when you become a man that other men look up to.  “Honor is a man’s reputation for strength, courage, and mastery within the context of an honor group comprised primarily of other men.”

On Being A Good Man

“Do you truly believe that men who negotiate a violent, all male world every day are less manly then a nice guy who works 9 to 5 in a cubicle farm and spends his free time doing whatever his wife tells him to do?”

Being a good man doesn’t necessarily mean being good at being a man.  There are plenty of guys who always do the “right” thing, but it doesn’t necessarily earn them respect from other men.  There is also plenty of prisons filled with men who embody some if not all of the manly virtues.  Societal standards are not an accurate way to measure a man. Once again, it comes down to whether a man is someone that other men can depend on when shit hits the fan.

Other Important Concepts In The Way Of Men

Thug Life & The Story of Rome:  Why Rome became a great empire and why it collapsed.  What happens to society when men lose their way.

A Check To Civilization: What happens to men during peacetime – simulated masculinity, vicarious masculinity, and intellectual masculinity.

The Bonobo Masturbation Society:  Why modern society resembles bonobos (matriarchy) rather than chimpanzees (patriarchy).

The Crisis Of Masculinity:  The balance between a domestic world of comfort and a world of manly strife.

Start The World:  How to start your own gang.


The Way of Men should be mandatory reading for any man.  This book doesn’t read like an AskMen article.  Donovan isn’t going to give you 25 tips and tricks to becoming a better man.  Instead the book is more of a paradigm shifter.  He lays down the core of what it means to be man and the problems that modern man face.  The steps you take to becoming a better man is up to you.

Grab a copy of The Way Of Men.

2017-2018 NFL Over/Under Predictions, Super Bowl Pick, & Awards

It’s less than a week till football season starts.  Here are my over/under win predictions for all 32 teams along with my Super Bowl pick & Awards:



Vegas over/under: 12.5

The loss of Julian Edelman will hurt more than some might expect.  There defensive front seven is average at best.  With that said, they’re still the Patriots.  Brady & Belichick are still there.  The offense is loaded, especially the backfield.  There is no reason to think they won’t be playing deep in January once again.

Prediction: Over 


Vegas over/under:  7.5

I don’t think there’s any drop off from Tannehill to Cutler.  This offense has a lot of weapons, and it’s going to be good.  The defense is another story.  Last year, the Dolphins were a wildcard team at 10-6.  I feel like that record was a bit of a mirage.  The Dolphins were 8-2 in one score game last year, and the majority of those wins came against a soft schedule.

Prediction: Under


Vegas over/under: 6

The Bills will be one of the better defensive teams in the league.  Offensively, they will be one of the worst.  Outside of Taylor and McCoy this offense doesn’t have much talent.  It will be another mediocre year in Buffalo.  Six games feels right for this team.

Prediction: Push


Vegas over/under: 4.5

There is nothing to be excited about as a Jet’s fan other than the high probability of getting the number 1 pick next year.  It’s hard to see this team even winning a game.

Prediction: Under



Vegas over/under: 10.5

If Roethlisberger and Bell can stay healthy for a complete season, and Martavis Bryant can stay away from the drugs than this offense will be unstoppable.  The defense is average, but that might not matter with all the points their offense will be putting up.  If they can avoid their usual midseason swoon they will win the NFC North with ease, and quite possibly get a first round bye.

Prediction: Over


Vegas over/under: 8.5

A lot of people are writing off the Bengals already.  I’m not one of them.  I don’t necessarily think they’ll be a playoff team, but I don’t think they’ll be as bad as they were last season either.  The defense will be better, and Dalton will look more like the Dalton from two years ago than the Dalton we saw last year.

Prediction: Over


Vegas over/under: 9

I would have more faith in the Ravens if I knew the extent of Flacco’s back injury.  I have a feeling the Ravens are going to resemble the Ravens of the early 2000’s.  There defense is going to be really good. Their offense will struggle.  There going to have a lot defensive struggles where Justin Tucker will be relied on heavily.

Prediction: Push


Vegas over/under: 4.5

There is reason for optimism in Cleveland.  Myles Garrett already looks like he’ll be an elite pass rusher for years to come.  They may have something at Quarterback with 2nd Round pick DeShone Kizer.  With that said, there still a long way from being a contender.

Prediction: Under



Vegas over/under: 8.5

I’m reluctant to say Tennessee will win the AFC South because they seem to be the trendy pick this year.  The Jaguars were last year’s trendy pick, and we saw how that turned out.  But I think Tennessee is different because they have a legitimate Quarterback in Mariota.  It also helps that play in the AFC South

Prediction: Over


Vegas over/under:  8.5

The Texans may have the best defense in the NFL.  A healthy Watt & Clowney together is a terrifying thought for any offense.  The defense will keep them in a lot of games, but they will be once again  done in by the problem that has plagued them since they entered the league – they don’t have a legitimate quarterback.

Prediction: Under


Vegas over/under: 9

Ultimately, that fate of Colts rests on Luck’s shoulder.  If he’s able to stay healthy for the entire season they’ll be mediocre.  If he’s missing time due to injuries this team could be in the same boat as the Jets.  Outside of Luck, there just isn’t much to be excited about with this team.

Prediction: Under


Vegas over/under: 6

The Jags have a young talented defense that should rank among the NFL’s best.  They also have what many think will be a Rookie of Year candidate at running back with Leonard Fournette.  Unfortunately, Blake Bortles is still their quarterback.  Until they make an upgrade at quarterback this team will be bottom dweller in the AFC.

Prediction: Under



Vegas over/under: 7.5

The Chargers have been unusually unlucky the last couple of years.  In 2016, they were 1-8 in games that were decided by a touchdown or less.  They were also devastated by injuries.  You have to think the Chargers luck will turn around this year.  They have lot tons of talent on both sides of the ball, and Rivers is still a beast.  The Chargers are my dark horse pick to win a tough AFC West this year.

Prediction: Over


Vegas over/under:  9

The Chiefs may be one of the most boring teams in the NFL, but their still solid.  They’ll be a playoff team once again by playing good defense and not shooting themselves in the foot on offense.

Prediction: Over


Vegas over/under: 10

The Raiders were one of the luckiest teams in the league last year.  Unlike division foe the L.A. Chargers, the Raiders were 8-1 in games decided by a touchdown or less.   I don’t expect the Raiders to be as lucky this season, but expect them to be a playoff team.

Prediction: Push


Vegas over/under: 8.5

In any other division the Broncos would probably be a playoff team.  They still have one of the best defenses in the entire league.  Their offense is what will hold them back in uber competitive AFC West.

Prediction: Over



Vegas over/under: 9

The Giants have a Top 5 Defense.  They have a great trio of receivers.  They have a future hall of fame quarterback.  Their only question mark is their offensive line.  If  their line can be at least average than they will win the NFC East and a team no one wants to face in the playoffs.

Prediction:  Over


Vegas over/under: 9.5

The Cowboys offseason has been a circus.  You have to wonder if all the drama will effect the team.  Then again, there always seem to be drama surrounding the Boys.  Not having Zeke for first 6 games will definitely hurt.  Their defense is still questionable.  I expect the Boys to decline in 2017, but still be in the hunt for playoff spot.

Prediction:  Under


Vegas over/under: 8

I expect Carson Wentz to improve this season.  He finally has some offensive weapons to help him out.  Philly’s front four is one of the best in the NFL and should get plenty of pressure on opposing quarterbacks.  They will be in playoff mix towards come December.

Prediction:  Push


Vegas over/under:  7.5

Losing DeSean Jackson and Pierre Garcon will be tough on Kirk Cousins.  The running game is still suspect.  The defense is just average.  It’s really hard to get excited about this team.  I expect another season of mediocrity.

Prediction: Under



Vegas over/under: 10

As long as Rodgers is healthy the Packers are Super Bowl contenders.  I can easily see this team winning 12 games.

Prediction: Over


Vegas over/under: 8.5

If the Vikings want to reach the playoffs again their offensive line is going to have to improve.  A lot of people write off Bradford, but I think he did pretty well last season considering he had to learn a new system on the fly and that he was constantly under pressure.  Everyone knows the Vikings defense will be good.  We don’t know if the offensive line will be able to protect Bradford and open up holes for rookie running back Dalvin Cook.  If they can, the Vikings will be a playoff team.  If not, it will be another season of mediocrity.

Prediction:  Over


Vegas over/under: 8

The Detroit Lions were another team that benefited from a lot of lucky breaks last year.  Eight of their nine wins were forth quarter comebacks.  Most of those comebacks were against non playoffs teams.  I don’t expect the Lions to be as lucky this season.    Stafford is good.  They have a few intriguing offensive weapons.  Their defense is questionable.  Overall, their a middle of the pack team.  Eight wins seems about right.

Prediction: Push


Vegas over/under:  5.5

The Bears opening schedule is brutal.  I won’t be surprised to see Trubisky starting by week 5.  It’s going to be another rough year for Bears fans.

Prediction: Under



Vegas over/under:  9.5

Super Bowl hangover?  I don’t think so.  This offensive is too talented.  Their young defense will only get better.  I expect them to be repeat as AFC South Champs, but just barely.

Prediction:  Over


Vegas over/under:  8.5

I expect Newton to have a bounce back year.  Christian McCaffery will help in the running and passing game and may be candidate for rookie of the year.  The defense is still stout.  They have arguably one of the best front sevens in all of football lead by All Pro linebacker Kuechly.

Prediction:  Over


Vegas over/under:  8.5

The Buccaneers seem to be this year’s sexy pick to become one of the elite teams in the NFL.  I don’t think they’re elite yet, but I do think they’re a playoff team.  I expect Winston to make another big jump in his 3rd season.  The addition of DeSean Jackson and O.J. Howard helps.  Their defense is starting to look like the defenses Tampa Bay had in the late 90’s early 2000’s.

Prediction:  Over


Vegas over/under:  8

The Saints will finally break their streak of 7-9 records.  However, they still won’t be good enough to make the playoffs.  The defense, for what seems like a decade now, will continue to be their kryptonite.

Prediction: Push



Vegas over/under: 10.5

I expect the Seahawks to make another Super Bowl run this year.  Wilson is supposedly in the best shape of his life.  Earl Thomas is back and with addition of Sheldon Richardson the defense looks like it’s dominant self.  Of course, the biggest question is still the offensive line.  If the line can protect Wilson there is no reason they can’t win another Super Bowl.

Prediction: Over


Vegas over/under: 8

The Cards weren’t as bad as their record last year.  They were 2-5-1 in games decided by a touchdown or less.  Most of those losses resulted because of missed kicks.  I think the Cards have a little more luck this season.  They have a new kicker.  They have tons of talent on both sides of the ball.  The only thing I worry about is 37 year old quarterback Carson Palmer.  Will he drop off a cliff this season?

Prediction:  Over


Vegas over/under: 5.5

I don’t have much faith in Jared Goff.  I do have faith in their defense though. Aaron Donald (sign this man) and company should keep the Rams in a lot of games.  I expect Gurley to have a bounce back year.  With that said, they still won’t be that good.

Prediction:  Over


Vegas over/under:  4.5

They’ll be better than they were last season, but not by much.  Niners fan should be optimistic about some of the players on defense.  The offense is another story.

Prediction:  Under



1. New England

2. Pittsburgh

3. L.A. Chargers

4. Tennessee

5. Kansas City

6. Oakland


1. Green Bay

2. Atlanta

3. Seattle

4. N.Y. Giants

5. Carolina

6. Tampa Bay


L.A. CHARGERS Over Oakland:  Rivers narrowly outduels Carr in a shoutout.

Kansas City Over TENNESSEE:  The Chiefs win a boring defensive struggle against the Titans.


SEATTLE Over Tampa Bay:  A low scoring smashmouth game between a team on the rise and a team that’s been the class of the NFC for the last few seasons.  Experience wins.

N.Y. GIANTS Over Carolina:  The Giants defense frustrates Newton all game, and Manning makes enough plays to set up a rematch with the Packers.


NEW ENGLAND Over Kansas City:  The Chiefs don’t have enough offense to match Brady & Co.

PITTSBURGH Over L.A. Chargers:  Another high scoring game for Rivers & the Chargers, but this time it doesn’t end in their favor.


GREEN BAY Over N.Y. Giants:  A close game that comes down to a clutch drive orchestrated by Rodgers.

Seattle Over ATLANTA:  The Seahawks defense is able to  slow down the Falcons offense.  Wilson makes enough plays to advance them to Conference Championship.


NEW ENGLAND Over Pittsburgh:  The Patriots continue their dominance of the Steelers in the playoffs. 


Seattle Over GREEN BAY:  The Packers season starts off with a win against the Seahawks in Lambeau.  It ends with a loss to the Seahawks in Lambeau.


NEW ENLAND Over SEATTLE:  Another wild game results in Patriots repeating as Super Bowl Champions.



Leonard Fournett, Jacksonville:  Fournett will get the ball at least 20 times a game because of the incompetence at quarterback postion in Jacksonville.  He’s going to put up big numbers.


Rueben Foster, San Francisco:  The Niner’s defense will be on the field a lot this season, which means Foster is sure to rack up huge tackling numbers.


David Johnson, Arizona:  Johnson will have another big season and end up with the most yards from scrimmage.


Joey Bosa, L.A. Chargers:  Bosa becomes a household name with a breakout season for a surprisingly good Chargers defense.


J.J. Watt, Houston:  After missing most of last season with a back injury Watt will be back to his dominant self.


Anthony Lynn, L.A. Chargers:  As a rookie head coach, Lynn leads the Chargers from worst in the AFC West to first.


Ben Roethlisberger, Pittsburgh:  Big Ben wins his first MVP after passing for 5,000 yards and leading Steelers to one of the best records in the league.

Is A Low Carb/ High Fat Diet For You?

About a month and half ago I started a keto diet.  The first week was hell.  The second week was a lot better.  By the third week I felt fat adapted.

After three weeks of keto I had lost a lot of weight, nearly 15 lbs.  My sleep was improved, and I no longer felt intense hunger pains throughout the day.  That was the good.

The bad – I didn’t have the same energy during my workouts, I lost muscle mass, and I had intense heart palpations.

The last few weeks I’ve been upping my carbs.  My carb intake comes from vegetables, fruits, quinoa, and sweet potatoes.  I have stayed away from all “white” carbs completely.  I will continue upping carbs especially on workout days.

I’m glad I experimented with keto, but keeping a strict keto diet just isn’t for me.  I feel that my lifestyle is too active to limit myself to under 50 carbs a day.  It may be the same for you.

Is a low carb/high fat diet for you?

It depends.  I know, it’s the not the answer you want to hear, but it’s impossible to answer without knowing a little bit more about you. There is no one size fits all diet.  The right diet depends on many factors like lifestyle, age, genetics, and goals.  I wouldn’t tell a 16 year old to go low carb if he’s trying out for the football team.  Just like I wouldn’t tell a 40 year old office worker to eat six meals a day.

With that said,  I can tell you without a shadow of a doubt that there are some foods that should never be a part of any diet. 

– Grains: Refined or whole, breads, pasta, cereal, baked goods.  Basically anything with flour.

– Sugar: candy, caked, cookies, high fructose corn syrup, soda, pastries.  This should be obvious.

– Vegetable Oils: Corn, Soybean, Canola, Margarin are like eating poison.

– Processed Foods: Energy bars, frozen dinners, chips

– Fast Foods – Just say no

– Booze – Enjoy in moderation.  Some booze is better than others.

If you eliminate all of the above you will lose weight, have more energy, and be less likely to die of heart attack at 50.  This goes for everybody.  When it comes to specific diets like keto, paleo, and slow carb there is more of a grey area.  These diets are all leaps in and bounds better than the Standard American Diet (SAD), but one of them might suit you better than the other.

The War On Carbs

Not all carbs are bad.  If you live an active lifestyle or trying to put on muscle it may not be that beneficial to drastically reduce carb intake.  It’s not necessarily bad to eat a lot of carbs, but it is important that you eat the right carbs.

Most of your carbs should come from vegetables.  This will be a tough task.  Most vegetables are low in carbs and they will make you full before you can eat a lot of them.  In general, starchy vegetables like onions have a lot more carbs than leafy greens like spinach.

Next you should get carbs from fruits.  Fruits are a good source of carbs and other vitamins, but some have high levels of sugar so they should be eaten in moderation.  Bananas are high in carbs.  Eating one banana on a keto diet would put you out of ketosis, but it’s not a bad choice for a person with an active lifestyle.

Other supplemental carbs can come from nuts, legumes, and sweet potatoes.  Like fruits these foods should be eaten in moderation. Also these foods would never be eaten on a strict keto diet.


A successful diet comes down to eliminating certain foods from one’s diet.  One won’t have to count calories when they get rid themselves of things like grains, sugars, processed foods etc.  This is the most important thing to understand.  You don’t have to be a carb nazi to get results.  Test things for yourself and see what your body responds to.  Here is my suggestion:

If your trying to cut weight fast and you don’t mind a little pain than go keto.  Once you reach your goal you can slowly reintroduce some more carbs.  *I don’t think a strict keto diet is sustainable long term.

Trying to simply lose weight at gradually pace than go low carb or primal.  Aim to eat between 100-150 carbs a day.

If you live an active lifestyle you shouldn’t have to follow strict guidelines when it comes to carbs, just make sure you’er  eating the right carbs.

Early Retirement And Purposelessness

Through high school and college I had a summer job at a golf course.  I worked maintenance.  Half of the staff were college kids the other half were older guys that had already retired.  The older guys only worked a few hours a day.  I could never understand why they kept showing up to work when they didn’t have to.  If you asked them why you usually got the same answer, “to get away from the wife.”

There was one guy who worked there till he was 80.  He got so senile that management finally had to let him go.  He died two years later.

I now understand why these guys kept showing up to work when they didn’t have to.  It wasn’t because of their wives.  Well, maybe a little bit. But I think the real reason they kept showing up is because they wanted to feel like they had a purpose.

I’ve been semi retired for a little over a year.  A lot of that time was spent building an internet business.  My main motivation, passive income.  It’s doing alright and still growing.  The money I make from this business isn’t going to buy me a seaside mansion, it’s barely enough to get buy on,  but it’s decent for being almost completely passive.  At this point, I’ve delegated most of the tasks and work the four hour workweek that most would dream about.

But it’s not a dream.  I have free time.  I can wake up without an alarm.  I can move at my own pace.  This was good for a while, don’t get me wrong.  However, too much of good thing can be a bad thing.  I’m bored.  I feel purposeless.  Everyday is groundhog day.

I’m writing this because lately a lot of my posts have revolved around FIER (Financial Independence Early Retirement).  Now I’m starting to reconsider if this is goal worth striving for.  Do you really want FIER ?  Do you think you will ease into retirement at a young age?

Financial Independence is definitely worth striving for.  Not being dependent on a job you hate is worth striving for.  However, you better find a productive way to fill your time when you have reached FIER or else you will be completely miserable.

I’m trying to play devil’s advocate here.  I still think FIER is worthwhile goal and not just because it means sleeping in as late you want to.  I think FIER should be more about the means than the end.  The means is ripping yourself away from being a mindless consumer.  The end, is of course, Fuck You Money.  Both good. But one shouldn’t focus on the Fuck You Money like it’s some pot of gold at the end of the rainbow.  Instead, one should focus on the habits they must instill to reach FIER.

What FIER really means:

  • It doesn’t mean no work.  It means you don’t have to work for money.  You do work that interests you without worrying about paying the bills.  Maybe this is volunteer work, maybe gardening, maybe it’s writing a blog.         
  • You stop being a mindless consumer.  You don’t buy new furniture you reuse old furniture instead.  You learn to cook your own food instead of eating out every night at expensive and unhealthy restaurants.  You learn how to fix things.  
  • You learn how to make your money work for you. 

In the end, the goal is to become less and less dependent on the financial system.

Does this solve the problem of feeling purposeless?  Not working shouldn’t be the goal but then again, what’s the point of working for working sake?  Do you need to be given money to feel like your living with purpose?







Early retiree wannabes need to take a long hard look at their bank statements.  That’s what I’ve been doing lately.  I look at my biggest expense as well as recurring expenses and see if I can minimize them, or better, eliminate them.

Something I spend a lot of money on is books.  I may buy 5-6 books a month.  Rarely these books will be read more than once.  Sometimes these books will never be finished.

I thought how can I minimize my book buying habit?  And then I vaguely remembered that most cities and towns have these building that store books called libraries.  On top that, these libraries let you borrow books for free. Who would of thought?

I went down to my local library and signed up for a library card.  This took all of 2 minutes.  After that I was free to borrow any book in the building and even download their books onto my kindle!

Then again your library might not have the most up to date collection.  If you just have to read a certain book go and buy it.  But if you’re already in the middle of another book just wait.  Place the book you want on your Amazon wish list.  If three weeks pass and you still want it then buy it.  Until then, show some goddamn restraint.   

I notice that I sometimes buy books impulsively.  A blogger will recommend a list of books and I’ll run to Amazon to get them all.  I may read one, but the rest just sit in my kindle or shelf never to be opened.

Libraries will allow you to borrow a book for three weeks.  Which adds some urgency that you should read this book while you have it.  A wish list will kill impulse buys and remind you to buy books you’re actually going to read.