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Start Here: About Don't Need Much Money

Don't Need Much Money is exactly what it sounds like: a site about needing less, so you have more. More time. More freedom. More room to actually live. The idea is simple. The less money you need to survive, the more time you have to thrive. Lower your living costs, live a healthy lifestyle focused on longevity and mobility, stay out of debt, and build a little savings, and you buy yourself something far more valuable than money: time. Time to do what you actually love, spend with people you care about, and put toward things that matter. This site is my own real life running that experiment. Most of what you'll find here are recipes and day-to-day habits. They aren't filler posts, it's intentional. Cooking from scratch, buying smart, wasting less, eating well, and staying healhty, fit, and limber all without spending much are some of the most direct ways I practice this philosophy day to day. This blog doubles as my own recipe box and exercise notes, and I share it b...

Note to my representative on the national debt

I live in Colorado's 4th Congressional District and I have an interim U.S. representative after our elected Republican congressman stepped down before the end of his term. Our new representative is Greg Lopez and he is one of the few trying to call attention to the dangers of our country's massive deficit spending and ballooning national debt. He wrote an op-ed piece in one of our local newspapers about it: https://www.greeleytribune.com/2024/10/03/congressman-greg-lopez-national-debt-americas-next-crisis/

I was inspired to thank him for calling attention to this matter and this is what I wrote back to him through his email comment box. 

Representative Lopez, thank you for highlighting deficit spending which is my top national concern. As an investment manager with a background in mathematics and economics, I closely follow macroeconomic trends. Deficit spending directly leads to wealth concentration among corporations and the wealthy. It's disguised as public good but it puts average Americans further behind. Historical events like the Afghanistan and Iraq wars, 2008/09 bailouts, Trump tax cuts, and unending stimulus packages have all funneled money to corporations either directly or indirectly through household spending. Economist John Hussman has proven that the record levels of corporate profits are directly linked to government deficit spending and depressed household savings. To address this, we must halt deficit spending, give small businesses competitive and regulatory advantages over large corporations, and scrutinize mergers and acquisitions. Deficit spending also erodes faith in the dollar, driving up asset prices as people seek to preserve wealth. Yet those asset prices are based on the belief that investors will always be bailed out. Investing should involve risk; losses shouldn't fall on taxpayers. We need responsible corporate governance and sound money policies to maintain national prosperity. My hope is that the Republican party can find new footing and a new message that goes back to its roots of keeping things small, local, and balanced. We need to go back to fighting against all things big - big government, big labor, big business, and most importantly, big debt.

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