Getting it Right - Welcome

The goal of this blog is to publish my thoughts on a variety of economic and political topics in the hopes that people who find them educational or beneficial will utilize them and/or forward to others who might find them interesting and/or worthwhile to promote to others, possibly including politicians who can push some of these ideas to fruition. The topics in my blog are meant to be of value on a long term basis, not a daily diary or political issue of the day log. If the information posted is useful to you, by all means utilize it and/or forward it as you see fit. If not useful, then merely ignore it. There are no universally agreed upon truisms and too little tolerance between some of those with opposing viewpoints to successfully convince the people with hardened opinions to move away from them. I am an analytical type person who will try to be as factual as I am able.

I disdain the current popularity of name calling and condemnation of viewpoints with no factual alternatives or logical solutions given that I see so often. If you don't have a solution based on fact and logic, then opt out of the discussion because you have nothing to contribute. My background is a degree in Economics from the University of Michigan and 39 years working in middle management jobs for a major retailer. My opinions are forged on the personal experence of life, family, friends, and work as well as triumphs and mistakes that I have made and hopefully learned from. My hope is that this blog helps you.

My first topic will be about personal finance. I chose that one first because most of us work long and hard just to survive but not all of us realize our dreams of becoming financially independent from the labors of our work. Much of our political votes/thinking also focus on the economy and in particular how well we are personally doing financially.

It is relatively simple, without sacrificing the enjoyment of living for 'today' and even at moderate incomes, to retire as a millionaire or multi-millionaire, if you focus on that goal consistently from a young age. It is also simple to ensure that your child or grandchild retires rich. It merely requires a one time gift of just $2,000 invested wisely and the passage of time. Please read my first post on this blog to learn more.


An index/schedule of past and future posts and their dates will always be updated so that it becomes the first post that you see below. If the date of a post that you wish to read is preceded by the word "Posted", then find it below or click on the title in the Blog archive to review.

Blog Archive

Tuesday, December 16, 2025

Income Inequality In America Is Justified and Good

 Per news reports, income inequality is an important issue for many American voters. Just proves that You Can't Fix Stupid!! Here's why income inequality is fair and good:

1. People with higher education levels on average earn more money, For example, college graduates earn more on average than high school dropouts. That's fair.

2. Skilled workers earn more than unskilled workers. That's fair.

3. People who have been working for decades earn more than people who haven't been working very long. That's fair.

4. People who have been working for decades have had more time to save and invest thus building more total income, plus pay off house mortgages than people who haven't been working nearly as long. That's fair.

5. People who are frugal with their money normally have more income saved than people who spend most or all of their income or more than their income. That's fair.

6. People in the same jobs, whether they are men or women, earn the same amount of money. That's fair and also has been the law for over 50 years.

7. People who work harder, longer, and smarter than their peers generally earn more and get more job promotions. That's fair.

8. People who are willing to endure longer commutes to work, especially if they work in big cities, can find cheaper homes and rentals than those who choose to live in the city where available land and housing is more limited. Thus their residences are larger and nicer, plus they can save and invest more income. That's fair.

9. People who have less or no children, have lower expenses, more money saved and invested, and a higher standard of living than people who earn the same amount of money but have more children. That's a choice that is both understandable and fair.

10. 50% of single parent households live in poverty versus only 10% of married households with children living in poverty. Very understandable and fair. Two potential income earners and babysitters versus one. To deliberately become a single parent household instead of getting married first is the height of stupidity.

11. Divorced people have lower income standards and savings than their married peers. Understandable and fair. Two residences to support for divorced people versus one residence to support for their married peers.

Now there are Communist and heavily socialist nations where there is more income equality than America. However, they pay a very heavy price for it. They are much poorer and have much lower living standards than Capitalist nations. For example, the average European in a heavily socialist nation pay 40 to 60% income taxes, plus a hidden 25% national sales tax called a Value Added Tax so that their net income does not go very far. Consequently their average residence is 600 to 800 square feet with only one bathroom compared to the average American with 2,000 square foot residence with multiple bathrooms. Plus their medical services are "rationed" as they have far less doctors, hospitals, and medical equipment such as medical scanners and CRTs per equal population size than America. Why would you want that?

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