[20]G7shields@ family_livelihood #severance

Posted on by tiger40490 rendered_on [ Thu, 6 Mar 2025 ] 09:50 UTC

 

k_tectonic

See also

I now spend lots of time (over thinking?) blogging and analyzing my various protections, which make me feel deeply satisfied (safety).

##layers@ buffer|alternative|batt ⇒security explains the semantics of defense ^ protection ^ buffer^^^ but in this bpost, I prefer the physical feel of a “shield” rather then the abstract concept of “protection”. In this blogpost I will use other metaphors besides “shield”. Pillar and Levee (黄河) each has unique connotations.

Multiple shields on multiple fronts are important to both my heart and mind. Despite their limitations, these shields can even make me feel superior. Together, these protections constitute one of my key strengths, though not competitive strengths per se, as in a scarce-resource context. I don’t need to but often want to compare within my circle.

Note this blog is strictly on livelihood proteciton, not ego protections (like PIP, stigma, trauma,,,) or family pains (like kids delinquency)

— all pillars/levees/shields are precarious, fragile and vulnerable. In a way, human existence is fundamentally fragile, and whatever protections always fragile. A big dose of detachment is needed on a regular basis. Overall, I (and presumably wife) feel less vulnerable in SG than the Chinese immigrants in the U.S.

  • MLP job (not within G5) is the most precarious of all pillars supporting my carefree ezlife. (The tech career longevity shield is better.) Lossing this pillar would expose me to
  • .. large or opaque codebase .. speed of figure-things-out relative to teammates
  • .. painful commute
  • SG citizenship is a stronger pillar/levee because its vulnerabilities are widely analyzed.
  • other vulnerabilities are discussed below.

— legends

  • [4|5|9=among G4|G5|G9]
  • [b=let’s ask those with relatively high branks like Siddesh] — these “Siddeshes” fly high but vulnerable without my protective armor.
  • [d=conscious, active detachment needed]
  • [$$$ etc = value-for-the-family of the protection, and reliability to a lesser extent]
  • [AAA etc = reliability rating of the protection, and value to a lesser extent] — I used to assign higher rating to external protections, but now need more self-reliance and self-confidence. See locus@control:current carefree high ground mostly due2%%effort

==== short-term protections

[BB $] [9d] MLP medbx + sancturary + severance

===== medium-term protections

[B $] [7bd] My growing nest egg and nonwork incomes (beyond rental). Reliability of each income stream depends partly on my active management. CPF-life is more reliable like “A”.

  • Jolt: the investment seminars always exaggerate the value and reliability of this particular protection, which is actually much lower than SG citizenship, wellness etc.
  • 2025 update: To a family on the cashflow low ground (like [39]), a SGD 100k cash nest egg would be an effective shield. For a CMC[ChMidClass], a SGD 2M net (incl some liquid) asset would be a solid shield. See [40]

[AAA $$] [2] robust tech career longevity is arguably the #1 bedrock of my ffree

  • Actually career longevity depends a lot on physical longevity, but in this list, I separate out wellness.
  • continuous, self-driven learning attitude, with plenty of refresh/reinforce, 温故知新
  • [A $$] [b] IV competitiveness including theoretical skills. If I lose my job during covid19, but demand remains, I would rely on IV skills to get another well-paying job.
  • [B] [d] WallSt contract job market — protects against early decline of demand
  • [C] [d] robust demand for java across industries
  • [A $] [b] dev-till-70 as a mentality is an effective shield.
  • [B $] my on-the-job survival skill is slightly less reliable as protection.

==== long term protections

[AA $$] [3b] conserver lifestyle  — good burn rate as Family [6] — protects against many cash-flow threats including job insecurity during covid19.

PERSONAL burn rate would be rated AAA

[A $$$] [4bd] wellness — lifestyle + current condition. title is vague and broad.

  • [A] [d] diet habit, BMI green zone
  • [AA] exercise lifestyle
  • [d] good sleep — protects against workload, ,,,

[$$$] [5d] stable marriage — is a cornerstone and protects against many threats.

  • Is this a livelihood protection? Grandpa would say yes as he pointed out how marriage affects the kids and my own livelihood.
  • How reliable this protection is? Up to me. Grandpa would say you can choose to show more tolerance (包容), more respect,  more understanding, more kindness
  • [$] harmony at home — long term is best, but any harmony is valuable protection for kids and aging parents.
  • This item is an under-appreciated pillar, esp. for the kids.

[A $$] [6b] SG citizenship — protects against healthcare inflation, long-term nursing cost, housing cost, general inflation. Some protective benefits of SG citizenship are not measured by money —

  • protection against poor service (common in many countries) when I’m in need of help
  • protective environment for up-bringing of kids — drug-free,,
  • protects against covid19 job insecurity. Job support (Singaporeans’ livelihood protection) wass the biggest medium-term concern of the Singapore government, arguably a bigger concern than 1) outbreak management 2) food supply
  • the middle/low income working families [11th~60th percentiles of SG citizens] are well-taken care of by the nanny state including NUTC union. In the U.S. the church seems to provide a similar (much smaller) safety net
  • See the full list in ## SG citizenship: value imt GC
  • As listed, all other shields require active, high maintenance effort (Nonwork income is lower maintenance). This shield requires zero effort on my part, as the government puts in a huge effort maintaining this shield.
  • This item “defines” and “anchors” the A-rating. This item has lower reliability because it’s beyond my personal control. Singaporeans tend to have too much confidence in the PAP leaders as if they are Gods and never misjudge, mis-calculate, lack strength/vision. Well, there are very capable leaders in other countries, too, but their citizens don’t have such naive perceptions.

Leave a Reply