Of course, there's a huge difference between these two examples: A) Bob went to the. B) Bryan fell in the pit. Trapped and injured. Desperate to find them. The first is half a thought the author forgot to finish. Correct away, dear academic. Touch the second at your peril 👊😅

More useful than universal basic income would be universal basic financial education about investing in stocks, bonds, real estate, etc, from the moment you enter the workforce. Back when I had a day job I had access to the monthly profit and loss statements for the branch I worked at and while it didn't show me who earned how much, it did show total spent on payroll, healthcare, and 401k matching. And I was looking at those numbers and they didn't add up. The 401k match was 5%, and I didn't need a calculator to see that the company was only matching 1% of total payroll. I was contributing 10%, the manager was doing 15%, so we were saw very fast that out of twenty employees it was basically the two of us and maybe one other person participating. We held meetings about it, and I personally started talking to employees one on one. I kept hearing the same thing, that they didn't want to give 5% of their income back to the company. I had to explain again and again that the company wasn't getting that money, it was still their money, just saved, and they basically got an automatic 5% raise if they took part. Yes, the stock market might go down, but if you contributed 5% you instantly doubled your money with the match, which was fully vested from the first contribution. The odds you'd wind up with less money than you put in were very close to zero. After a year of hard work really explaining the 401k in detail, we got the total number being matched... up to about 2%. People just didn't understand the math. They could only see that they were giving up money immediately, and really didn't see any point to holding onto money that you couldn't easily get to for another thirty years. Even I, in retrospect, hate that I didn't max out that extra few percent I could have been contributing. I had a car payment back then, and told myself it was better to use the extra $ to pay that off early, but that probably cut my current account balance by a hundred grand or more. Any time I post stuff like this is, I only hear how hard things are, paycheck to paycheck, everything costs more now, I can't save money, etc. But it seriously works, it's not a secret that it works, there are numerous programs to help you do it easily, and yet it's the most rejected obviously truthful knowledge out there.

💫 Out at the Safety Harbor Comic Fest! 🦸

Was working through a manuscript this morning where 40 pages of backstory were just character setup. If the reader doesn't know what the character wants *today,* they won't care what happened to them five years ago. Start in the fire, explain the scars later.