Nov 09
7
Breaking Out of Being Broke

This is an AWESOME guest post by Randy Gage
Okay, you’re about to read the longest blog post ever written since the earth’s crust cooled. It was originally going to be an e-book. But a couple of things conspired to cause me to post it today…
First was the discussion on yesterday’s post where I asked you how hard you may be working to keep yourself broke. We were deluged with comments and a lot of you expressed real anxiety about how you can break the cycle of lack.
Then I got a call from Eric Worre. He was working on his show for today and the topic was about getting out of your own way. He wanted something he could refer his viewers to that would help them along the journey. So I’m posting this entire e-book in the blog, so both groups can get some insight right away. Then on tomorrow’s post I have some more specifics of how I think people actually work to stay poor.
So, for your dining and dancing pleasure…
The room air is filled with the smooth sensual sound of Anita Baker. You’ve got the candles burning, along with your favorite incense. You step into the glorious steamy water and sink down into your new hot-tub. You settle for a moment allowing your body to get accustomed to the heat and then, twisting slightly, you reach over and turn on the jets. Bubbles surge around you as the thrust and hum of the jets come to life.
The jetting water massages all your aching joints, teasing the tension of the day into a distant memory. You sigh. A deep prolonged release of pleasure as every nerve relaxes into sweet oblivion. You smile to yourself and close your eyes letting the steam and heat envelop you. The phone is turned off and the evening is yours; you won’t be disturbed by anyone. The perfect end to a brilliantly rewarding day.
Isn’t it deliciously wonderful to be selfish?
How does that make you feel when I ask you that? How do you feel when someone else calls you selfish? What would you think if I told you that selfishness is good?
Or that selfishness is your moral prerogative?
Isn’t that why the phone’s turned off? So no one can bother you? No phone call from your mother complaining about her nosey neighbor, your friend Nick trying to get you to help him move, or Julia wanting a ride out to the airport.
Let me ask you something…
If it feels so good to be selfish, why does the very word make us flush with guilt? Ayn Rand wrote a book titled, “The Virtue of Selfishness.” When asked why she chose to use a word that threatened so many people, she replied, “For the reason that makes you afraid of it.”
I, like Rand did, use the word “selfish” to describe virtuous qualities of character. Let’s explore the idea…
The dictionary definition of selfishness is basically “concern with one’s own interests, without regard for others.” It means, you value yourself first, regardless of what anyone else thinks. Notice that there is no good or evil implicit in the definition. That, ‘without regard for others’ does not mean that you are doing harm to others. It simply means that you are well adjusted and sensible enough to meet your own needs first.
Now of course that’s not what most of society, or ‘the herd,’ would have you believe…
They tell you that your moral imperative is to put the interests of the many before the interests of the one. That you should sacrifice yourself for the “greater good.”
This idea is very dangerous to your self-esteem and your life. Relinquishing your happiness for the sake of others, known or unknown, verifies to yourself, and others, that you are small and unworthy of even your own attention. It’s actually anti-humanity, and it makes you mentally sick!
Your survival and your pursuit of happiness must form the foundation of your value system. To make your life, by your own means, towards your own standards, and for your own enjoyment. Anything less than that is harmful to you. And anything harmful to the individual is actually detrimental to society as a whole. But don’t think society is smart enough to figure that out. They’re not.
The herd will maintain that the needs of the individual be relinquished to the needs of the masses. They tell you that it is your responsibility to take care of the less fortunate.
Sounds innocent enough, doesn’t it? Well let’s take a look…
One Saturday you’re out watering your lawn when a car drives up and you recognize your old friend Eddie at the wheel. You learn that he has just lost his job, his wife has kicked him out and he couldn’t think of anywhere else to go.
Eddie has always been in the middle of some drama or another, which is the main reason you haven’t spoken too much lately. But you feel sorry for him and invite him to crash for the night. The next day, Eddie asks if you wouldn’t mind if he stays just a couple more nights until he can find an apartment, and he assures you that he has a job all lined up. You feel a little awkward, but agree anyway. During the week, the job falls through and although you feel badly about it, you haven’t failed to notice that he isn’t making much of an effort to go out and find another.
A week turns into two, and soon you don’t feel like coming home from your office. You feel like your home is no longer your own. You resent the position you find yourself in, yet feel guilty about being so selfish. After all, the guy has nowhere to go. Then you walk into your house and, once again, find Eddie sitting in your lounger, drinking beer and watching your TV….
Freeze frame.
I could go on, but you get the picture. What’s the surface situation here?
The herd mentality says that poor Eddie has caught a bad break, and since he’s your friend, you owe it to him to help him out. You’ve been lucky, Eddie has fallen on misfortune.
There you sit in a beautiful big home, with a lovely landscaped yard, and he has nothing. Not only does he not have a job, but now his car is broke and he doesn’t have money to fix it. He couldn’t get a new car because the bank wouldn’t approve his credit. They only lend money to people that don’t need it. He’s having a hard time getting a job because he needs to be paid cash, because creditors are hounding him and would garnish his wages and his “bitch” ex-wife is also harassing him for money.
Truth is, you have a little money saved. You have a car and house. You work, and you’ll get another paycheck this Friday. Eddie has not a penny. He “needs” it. You don’t. And you probably feel guilty, because you have so much, and Eddie has so little.
This is exactly what moochers like Eddie count on to take advantage of you. But let’s look a little deeper…
Five years ago, you and Eddie worked at the same place. He was out the door every day at five sharp. “We’re on salary,” he said, “You don’t get paid extra to stay late.” But you stayed late many times anyway, because you had projects to finish, and you wanted a clean desk in the morning. Eddie got a head start on “Happy Hour” at the bar. When there were extra projects to do, you volunteered for them. Eddie told you that you were stupid for doing so. When time for raises and promotions came, you got them. Eddie quit after a year because they were “cheap, and they play favorites.”
Each month, you set aside a little money for savings and your house fund. Eddie couldn’t do this because he wasn’t “making enough money.” His priorities were nightlife at the clubs, cigarettes, getting a DVD player, cable TV and the other “necessities” of life.
You went without cable to put the extra $30 a month into your retirement plan. Instead of first run movies, you usually caught them for $3 when the DVDs came out. You didn’t buy many luxuries because you thought the money was better put in your savings account. You lived on less than what you made, and invested the balance in your future.
The herd would tell you that “Poor Eddie can’t catch a break.” In reality, all the strikes against him are self-created. The situation he is in right now is the result of thousands of little choices he made every day.
He spends six bucks a day on cigarettes because, “The damn tobacco companies got me addicted.” He buys a 12 pack of beer twice a week because he, “needs to relax.” The reason his ex-wife is after him is because he hasn’t paid child support payments in two years. The reason the bank wouldn’t finance a new car was because he has a legal judgment against him for the student loans he took out and never paid, before he dropped out of college.
He has always spent more than he earned, and now when he is facing a setback, he has no resources to fall back on. So he develops a “victim” mentality. This victim-hood role he is in causes others to feel guilty, and thus they are constantly bailing him out from one thing or another. He learns how to manipulate his tragedies for maximum effect.
Of course all the time he is “owning” this victim-hood, he is programming his subconscious mind to attract more drama, more tragedy and more challenges. He has learned that he can ignore the laws of prosperity and live for the moment, because there is always someone to save him from paying the price. So he goes on an endless victim cycle, always in one situation or another. He’s forever getting laid off, left out and wronged.
So what’s the good thing to do? What’s the “Christian” thing to do? The “right” thing? Should you help him?
Well I think the answer is “maybe.” But before we address that, let’s look at what is going to happen anyway…
Today’s social system is ready to catch Eddie in its safety net. The government will feed, clothe and house Eddie. They have dozens and dozens of social programs for countless contingencies, and they can fund all of them because they force you to contribute from your paycheck each week. If you refuse, they will put you in prison.
What if, instead of paying your taxes to the government on payday, things went like this: You receive your paycheck and, depending on where you live in the world, you immediately cut a check for 35, 58 or 62% of your wages, which would normally represent your income taxes, and you hop into your average sedan and head on over to Eddie’s. Eddie is on his porch sipping from a can of beer and eyes you malevolently as you pull up. Hopping enthusiastically out of your car, you approach him, check in hand.
“Hey Eddie!” you say, “Just thought I’d pop by with your check seeing as how I was on my way home. There you go, another month of food, clothing, medical care, dental, entertainment. And because of the raise I received last week, there’s a little more in there for your pension. Well, I can see you’re into things, is there, uh, anything else I can do for you? No? Well, I’ll be off then, have a ton of paperwork to clear up tonight! Have a wonderful evening, Eddie! Take it easy, see you next month!”
Would you ever agree to such a thing? In reality, you already have, because that’s the end result of the government and taxation system today. It is currently set up in a manner that the productive are penalized and the unproductive, rewarded. Where receiving something unearned is a sought after commodity.
The result of this dysfunctional system is that it disintegrates your self-esteem. Constantly sacrificing yourself, your values, for others in order to either gain a sense of moral superiority, or in order to escape some sense of anxiety or guilt, continually weakens your resolve. Without resolve, your confidence is at stake. You question your own worth and feel guilty when you do things to take care of yourself.
A strong resolve and a complete refusal to live by any other standard than that which holds with your values is the key to healthy, abundant self-esteem. It is only by being strong yourself that you can help others. Those whom you love and value, whom you admire because their values are akin to your own.
The next time you taxi for take-off aboard an airplane, notice that during the safety features you are advised to put on your own oxygen mask before helping another don theirs. Help people out of strength, if you choose to do so, not out of weakness.
I am convinced that a lack of selfishness is self-destructive. Adopting self-sacrifice as a virtue enables others to take complete advantage of you and, practiced long enough, selfless behavior destroys.
I just got off the phone with a friend of mine who is a general manager at a restaurant. He had just fired a waiter who was his friend, who had worked there for nine years. The waiter was supposed to be at work at six on Sunday morning. He called at 5:50 to say he was sick. He was supposed to report Monday at seven. He never showed up, or even called. He showed up at a staff meeting on Tuesday and was disrespectful and disruptive. It became apparent that he had gone back to using drugs again. So my friend fired him.
Sound cold and uncaring?
Nothing could be further from the truth. In fact, my friend was sick over having to fire this guy. But it is this kind of “tough love” that has the best chance of getting this individual to turn his life around.
Take a businessman who keeps a terrible employee because he feels sorry for her. He hasn’t the heart to fire her because her life is a wreck, her mother is an alcoholic, her father ran out, her husband’s in jail – whatever – and so he enables her self-destructive behavior and lifestyle by keeping her on. In keeping this employee, against his better judgment but for the moral good – his other employees must take up her slack.
They begin to feel resentful and angry. Performance suffers across the board. Even hardworking, dedicated employees start to slack, because they see that they are not treated and rewarded in respect to the effort they contribute. Your customers receive poor service and soon your business is in real trouble.
But lets say, the businessman had done things differently, selfishly, for the betterment of himself and his company. He calls the errant worker into his office and after explaining why, fires her. Perhaps this turns out to be the wake-up call she needed and, giving her head a shake, sets out to improve her attitude and get a better job. One that she can be selfishly happy in. And if not, at the least he has a company that isn’t in jeopardy and a happy crew to work with.
Equally destructive is the wife who covers for the abuses of her husband. Who, year after year, puts up with a steady torrent of emotional and physical terror, who looks 50 on her 30th birthday and who is so frail a strong wind would knock her down. Who, at the funeral of her husband feels both relief and fear. A love story gone horribly wrong.
Imagine though, if she had been strong in her resolve, and enough confidence in her own values that she had walked away after the first abuse. She would have selfishly saved herself a life of despair rather than live as a sacrificial animal at the hand of a bully.
In a free society, where the needs of the individual come first, people are liberated from guilt and anxiety. Self-sacrifice is more than the root of low self-esteem, it is anti-free enterprise and consequently anti-humanity. When the living energy of productive citizens is sucked from them by the parasitic herd, there is no incentive to remain productive.
Every man and woman of integrity should earn their own living in the free trade of value for value with others. This means no free rides. No pride in receiving the unearned. Let me share a hypothetical story inspired by something my friend Stuart Goldsmith wrote in his newsletter a few years ago.
Imagine that we are flying to Bali for a Mastermind Retreat and the plane goes down. We are stranded on a deserted island together with 20 other families. Being so isolated and completely exposed to the elements, we all quickly go about the construction of shelters and huts from the abundance of bamboo around the island. We search out a fresh water source, which we find located halfway up the backside of a mountain, just a short 2-hour hike away from camp.
Fortunately there are crab and fish, clams and mussels in the surrounding sea as well as palm and fruit trees, so with a little ingenuity and skill, food abounds. All in all, between hunting and gathering, reinforcing our huts, building fires and cooking food…after looking after the survival needs of our families every day, we all fall into our makeshift palm-frond beds at night exhausted.
Being a small group, we soon find that by working with others, by exchanging values, we can get the work done a bit more efficiently. So we all start making deals. I’ll go get the water and firewood for my family and yours today, if you will spend the day fixing up the roof of my hut. And, tomorrow, while I spend the day digging clams and collecting coconuts for our two families, you spend the day getting the firewood and the water. We’re trading value for value to make our lives easier.
Progress is to our greatest advantage because it is always done in the spirit of making things easier. For freeing up time away from the toil and drudgery in order to get more out of life. More time, more freedom, more enjoyment.
So, one day, while lying on your back feeling completely battered after sliding 100 feet back down the incline leading to your water source, you come up with a brilliant idea. What if you rig up a pipe system with bamboo shafts thereby bringing the water to the camp and saving yourself the agony of hauling water?
Fantastic! But how on earth are you going to have the time for such a huge project while you have to worry about the long, daily grind of feeding and sheltering your family? You work extra. While everyone else is resting at night, you labor an extra two hours each day, building your pipeline. After weeks of strenuous effort, you’re done.
That evening around the campfire you stand up and make the following proposal:
“Every day you spend your morning trudging up the mountain to bring back water. I have designed and built a pipeline that brings the water direct to the village. I am willing to trade it for fish, coconuts, clothing and other products of your labor. In a fair exchange of values, we can trade. You win, because you don’t have to climb the mountain for four hours every day. I win, because I don’t have to spend so much time fishing, hunting and farming. All you have to do on every hot tropical day, is walk out of your hut to the middle of our community and pour yourself a frosty cold mountain bubbly.”
In exchange for the use of your pipeline, each family agrees to trade one hour of labor, hunting or gathering for your family. That means that your innovative piping system will save them three, of their previous four hours of collecting water each day.
Your motivation was selfish, yet you benefited everyone in the community. You were creative, and put out the effort. It wasn’t easy for you to haul bamboo all over the mountain, to fit it or bind it, but YOU did it. And you deserve to feel pride. You have just created nineteen hours of labor saving for yourself. You used to work 12 hours a day. Now you have the benefit of 19. Which means you have a surplus of seven hours worth of supplies.
You open up a 7-8 store, which is open each evening from seven to eight. You barter the excess goods you have for other things. You continue to trade and collect more things. Pretty soon, you’re putting on a new addition to your hut. You add a billiard room and build a deck out back. Next thing you know, you’ve added a three-bike garage and built a pool in the back yard. You are reaping the reward of your labor and innovation.
Now notice that no one was forced into this agreement. If they don’t want to trade an hour labor with you, they can continue to climb the mountain and fetch their own water each day. Of course no one does, because that would be stupid, causing them an extra three hours work.
Now your neighbor Fred is inspired by your invention. He decides to use the three hours that he used to spend in collecting water building a sturdy boat from a hollowed out tree. He can now go out to the deeper water where the big fish are. He fashions a net from weaving palm fronds and snares many large fish at a time, instead of waiting for the few to come in around the rocks and trying to spear them. He opens Fred’s Fish House, with an all-you-can-eat fish fry every Friday night.
The fish is delicious, and the fish fry turns into “the place to be” every week. It gets so busy that your neighbor hires the lady from hut 6 to help him serve everybody. He hires the guy from hut 11 to mix pineapple and mango coolers. This part time work earns them some extra coconuts, which they can trade with others to get goods and services they need.
Meanwhile Fred is doing great. He opens a second location, on the other side of the islands. Since he’s the founder of the island’s first successful restaurant chain, he becomes a motivational speaker. His inspirational, you-can-do-this-too “rags to rattan” story inspires millions of people (ok, pairs of people) all over the world (ok, the island).
He can now lounge around making gimp bracelets all day. You and Fred design a golf course to occupy your afternoons. He takes up playing conga drums made of coconuts, and you squeeze out some different colored berries and start to paint landscapes. It is the beginnings of the arts on your little island.
Possibilities in paradise surround you. Of course, the other families, who have yet to make timesaving innovations of their own, see things a little differently…
In fact, they seem to have forgotten that the two of you have saved them hours of time and work with your inventions. They see you lounging in your hammock, while they’re out grubbing for berries. They start to get jealous and resentful, because it’s “not fair.”
They call a town meeting, and decide to elect a government. Someone runs on a “Yes we can” platform and they’re elected in a landslide, 98 to 2. They immediately introduce a socialist system, “for the good of the many.” They need to pay themselves, hire inspectors for the water pipeline, and people to license the fishing boat, sweep the dirt floor at the new city hall, etc., so they start an income tax system.
Village members start to grumble. This doesn’t look so good. They don’t like the idea of paying taxes.
Then the new mayor announces that everyone has a “right” to water and big fish, so he’s going to nationalize the pipeline and fishing industry. The government takes away your pipeline and Fred’s boat is stolen from him as well. Now the villagers are nodding along. They realize that they no longer have to trade an hour of labor a day to you and Fred. The government is going to provide for them. They don’t mind paying their taxes, because they realize that this allows them to tax their way into the wallets of the rich people. We are going to have socialism or communism, and everybody will be taken care of by the benevolent government.
This is now the beginning of the end…
In this scenario, the uninspired islanders would, out of resentment, ’seize the means of production’ in the name of the public. If you resisted, you would be imprisoned or executed as an ‘enemy of the state.’ The herd would be happy, because now they have free access to the water and fishing boat. (Of course it’s not free, but they get more back for their taxes than they pay in, so they could care less.)
But what would happen next?
Kathy, who had an idea how to harness wind and solar power for electricity would figure, “why bother?” Fernando, who had an idea for a coconut husker would think the same thing. They would rightly conclude that the extra labor and resources they devote to innovation would never be rewarded, because the government would steal the excess they created, and distribute it to the moochers. Progress and innovation would stop. Cures to diseases would never be found, inventions would not be created and life would continue to be a primitive struggle for survival. In fact, they would only continue to look for free handouts, the unearned, and eventually the little collective would shrivel up and die.
The world has seen that Communism does not work. All over the world, communism has failed miserably. The last real remnant is Cuba, a nation that is completely bankrupt. The experiment in Socialism (which is simply Communism with lipstick) has failed just as desperately. What we call free enterprise in the western world is actually just a watered down version of socialism. A system not unlike our fictional island government.
Now why am I telling you all this?
It’s not to discuss the politics, as fascinating as that may be. It’s to help you realize the lack and limitation programming you have been assaulted with since you were young. And make you understand that the very system you live in is creating subconscious programming that makes you feel guilty for succeeding, and rewards you for doing less than you are capable of. It creates codependent dysfunctional people. If you accept this thinking, your chances for success are almost non-existent.
As creative, thinking human beings we are up against a mass of people who want something for nothing and governments around the world who want to give it to them. The sad truth is that your government doesn’t want you to be successful. Your government wants and needs you to be a worker drone in the collective to support their system in of seizing money from the productive minority to distribute it to the majority to win votes and remain in power.
Your government does not want you to be personally, individually successful for several reasons. Here’s two. If you are super-productive and your idea hits mainstream and goes huge, you may earn billions of dollars like the Bill Gates of the world. This makes you an alarming threat. With that kind of money you could topple a government. If you’re freethinking you might choose to opt out of the system and go your own way. How, then, would the government make a profit from your life’s effort? Without the means to tax its citizens how would the government stay in power? After all, it is their distorted Robin Hood platform that has got them elected by the mooching masses.
The plain truth is that a productive, innovative, intelligent human being in today’s world has to be strong in their resolve in order to rise above the looters and parasites, to live a rewarding and prosperous life. On your journey to self-fulfillment, you will find that it is not just your government that doesn’t want you to be successful, it is also your community, your friends and your family.
They get programmed that money is bad, rich people are evil, and it is spiritual to be poor. And you get infested with these same beliefs on a subconscious level. You develop entitlement mentality and self-sabotage your own success. You create more “hero’s journey” challenges for yourself as we discussed a couple of posts ago. THAT is what causes you to work to stay poor.
I certainly experienced this growing up. I remember being so envious of other kids who went on vacations, had mini-bikes, go carts and other toys my family couldn’t afford. When I got to be driving age, I looked at the kids who could afford to get cars right away and I was more jealous. I saw people living in nicer houses, I always wondered why it was that they should get all that stuff and not me. So I started to think, like a lot of people do, and started to look at what was wrong in their lives. I believe a lot of people do that. Once you adopt this herd thinking, you become a victim. Just like our friend Eddie that we began this lesson with.
What happened in my case was – unbeknownst to me, on a subconscious level – I began to hate rich people and think they were bad. Thing was, I very much wanted to be rich myself. (Or at least, that’s what I believed.) In fact, I wanted to be a millionaire by the time I was 35. I spent just about every waking moment thinking about wealth. I wanted more out of life, I didn’t like my life, being broke, thinking lack.
The problem was, I still had the underlying belief that rich people were bad. So even though I said I wanted to be wealthy, I was doing things on a daily basis that were taking me further away from wealth. From my work, to the people I hung out with, from dysfunctional relationships, to a complete lack of self-development – I was thinking like the people around me. And we all thought like victims.
And this is how the majority of people walk around everyday. They are completely in conflict with themselves. Victims of their own subconscious programming.
Fortunately, I hit bottom, and when I had absolutely nothing, I was able to let all the negative thinking, all my past beliefs go as well. With my blank slate, I started to fill my life with knowledge, ideas, and pursuits that would bring me into harmony with the prosperity I sought. I didn’t do it by keeping the same people around me and staying in the same thought-form.
When you start adopting beliefs of abundance and prosperity, you stop putting things into your body that make you sick, you stop taking actions that get you into trouble, and you stop hanging out with dysfunctional people because they bring you down. None of it appeals to you anymore. Instead, you start eating right and feel great! With that energy and vitality, you take actions that bring you prosperity. When you honor your values, you meet people who celebrate the same things in life that you do.
In our present mass-driven world, there are billions of people who think from lack. I’d say most organized religions preach lack, the education systems teach lack, and that we are part of a human race that believes that rewards come to those who are good but poor. Whether you believe it or not, the masses have chosen poverty regardless of the fact that they wished they had money. The media, television networks and advertisers work to reflect those beliefs that appeal to the masses’ need of acceptance. Our culture celebrates mediocrity because it makes you safe and acceptable to the herd.
You have to be brave to make a break from this type of thinking (or more correctly, non-thinking). A lot of people find this a huge stumbling block. There is a lot of fear tied up in leaving the pack.
If we’re successful, won’t our friends and family think we’re bad people? They think other rich people are bad – why not us? If I tell my friends my hopes and dreams, will they ridicule me? Will they stop loving me?
Fear of success is a direct result of low self-esteem and a lack of selfishness. And as ironic as it may seem, actually being selfish will make the world a better place for all.
But for most of you, to do this will require a serious questioning of your core beliefs. When you question your beliefs – you question your limitations. If your beliefs serve you – they can withstand the scrutiny. If they don’t survive the questioning – you can drop them, and replace them with beliefs that serve you.
By doing this kind of critical thinking, you prevent yourself from falling into victim mentality, and developing fear, self doubt and lack. You recognize selfishness as a virtue and not an evil as the masses believe it to be. You realize that the government playing Robin Hood actually hurts everyone. Now this begs the question that may be troubling you…
Namely, what about the less fortunate?
Should we just forget about them? No. We treat them with love, support and compassion. But we do it ourselves, not at the point of a gun from the government.
The number one expense on my tax return each year is for charity. And it will be every year. I support causes for runaway kids, children with terminal diseases, animal protection organizations, my church, human rights, the Opera, the film festival and a host of other causes. And you know what?
I can do that because I’ve been successful. When I was broke, I wasn’t helping anyone. I enjoy supporting those causes, and I do it because I’m selfish. I give to them because of the joy it gives me to do so.
These are some pretty big topics and we’ve only just brushed the surface here…
We’ll explore this more in some future posts. And if you haven’t read my book Why You’re DUMB, SICK & Broke & How to Get SMART, HEALTHY & RICH! Get it now. I need the money. This post was adapted from one of the chapters there.
And please check in below with your thoughts. Mastermind with the other people in the community about how you throw off the bonds of lack and accept the abundance you are meant to experience.
-RGShare this Post
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View Comments "Breaking Out of Being Broke"
Excellent post!
Excellent post!