##reduce dependencies @tech #wpress, WPS

Scope .. we could talk about all forms of dependency, but to give this blogpost a lasting meaning, we have to restrict ourselves. Just dependency on technologies please.

Managing this dependency is a lifelong struggle.

Technology is supposed to enhance our lives. I think healthcare and transport technologies are poster boys, but most of the technologies in our everyday life is just for convenience. It could breed over-dependency and weaken our self-reliance.

Technology reliability is improving, but still less reliable than traditional solutions.
— printer, with all the consumables + repairs
Prefer office printer, but ideally  .. “use to the max, but don’t bleed all over if unavailable”
— touchscreen .. on external monitor or laptops
— dual monitor at home .. After I return to office, I could put away the external monitor.
— wpress and git-blogging
Dhost is not free 🙁

Online blogging is dependent on connectivity 🙁 Git-blogging is slightly better.
— email is a better dependency than chat apps. Outlook is a big dependency. Gmail is a lighter dependency.
bold !
— MSOffice is reliable, familiar, but not free. As my cashflow high ground rises, there’s a lifestyle creep tendency to “just pay lah”. It does pre-empt some stressors, since I can pay once and use the same license across my 4+ laptops

Should try WPS office. zqbx, successZ, adaptation

===== above are infocomm dependencies. Below are other technological dependencies
— aircon
— washing machine .. less eco-friendly than manual

nannyState: prevention+support 4divorcing parents

k_counsellor  k_divorce

In my experience, SG gov + nonprofits provide effective counselling including legal. I don’t think any local governments in U.S. or China offer this level of “care” to their citizens, or I don’t know where to find such help. U.S. legal issues are exp. complex and frequent.

https://www.channelnewsasia.com/news/singapore/online-portal-support-couples-divorce-counselling-12505660 is an illustration of the Singapore nanny state government —

There are currently six Divorce Support Specialist Agencies in Singapore offering specialized programs for /divorcing/ and divorced families. Currently, couples with minor children who are unable to reach an agreement on divorce are required to attend a Mandatory Parenting Program (MPP), where counselors from Divorce Support Specialist Agencies help them better understand the practical issues of divorce. New *online* counselling sessions under the two-year pilot with Community Psychology Hub will be provided free of charge.

— resilience through community support
I keep this section in this blogpost (rather than other blogposts) because this particular government social support is a good example to illustrate a point.

I tend to rely on social support network, beyond family and friends. The SG nanny state offers this type of support .. important, valuable to me. Likewise, I also seek counselling support. I feel dependent, vulnerable and sometimes ashamed. However, “True resilience is accepting help” proclaims one resilient African woman in resilience #WhyFactor. For huge blows in my life, I think seeking help can be life-changing , even life-saving.

To survive a tough situation, we need action. Seeking help is action. When we seek help, we first describe[1] our situation. Then we listen with pain, with focus, with an open mind, sometimes with energy (often exhausted), with motivation to relieve the pain or save the ship . This motivation is probably the key factor for the high success rate when resilient individuals seek help.

I feel other victims (i use this word loosely here) may dismiss as ineffective any “social support network” from government, non-profit, community counselling, religious organizations, self-help groups etc. These victims feel the “outsiders” don’t understand the situation in detail, don’t spend enough time. I think these outsiders actually want to help and some of them do have time, but the victims must put in a huge effort as described earlier. The biggest effort is not from the helpers but the victims.

Some victims may rely on family and friends, which may not be more effective than social support. Family and friends may lack experience, and may have their hands full due to their own personal/family difficulties. Sometimes a support network is better /resourced/.

Other victims don’t seek help at all, perhaps due to no-hope. Some victims may feel strong, but actual result is, their failure rate is higher than people like me who readily seek help. They break, they suffer, they sink their ship and they bring down their families with them. No they are not resilient !

Back to the theme of this blogpost. In SG I have sought “social support” several times and I always felt cared for [1]. I don’t feel the same in the U.S. where I can only call local friends and family members overseas.

[1] One early challenge I faced was describing my pains in English. This is one of the biggest challenges for non-English speakers. Even for someone without language barrier, it takes real energy and EQ + IQ to open up, describe in details (soul-search) and engage with a helper, or a “nanny” from the nanny state. I’m long-winded and very chatty, and my counselors often need to interrupt and summarize for me, but that’s much better than the average “victim”.

Americans, Mainland Chinese… receive less support from the state. “You are on your own.” they were told. Such a message is rarely given to SG citizens. Sg citizens are often reliant on the nanny state. I guess this is similar to other small nations like Finland, Norway, Luxemburg,,,

The reliance is evident in many diverse domains.

However, Singaporeans as a whole is a fairly resilient nation, as shown in numerous crises [covid, SARS, 1997AFC…]. We are resilient in spite or because of our reliance on each other.

Same can be said of a family. Kids rely on parents. Siblings lean on each other.

I guess a small school, a small company are also like small nations — tight-knit group.

## inflections [def]%% life #O-level

Compared to turning point, inflection is more gradual, less abrupt, more evolutionary less revolutionary, visible mostly from a distance


k_tectonic

To avoid becoming yet another forgettable blogpost, this theme has to be more precise, more selective/discriminatory.. See the section below on disqualified items.

— disambiguation

  • a “turning point” marks a change in direction like up->down,
  • A pivot point is like a inflection but not so explicit, so definitive, even in hindsight

Infection can be the transition from zigzag, /unsteady/ growth or slow-growth into a sustained fast-growth phases, as in the bamboo tree parable. There is often a previous trajectory of less visible growth. Interesting, the transition from visible growth into less visible growth is seldom described as inflection. Not a point in my life, but the covid infection goes through slow phases and fast phases. The “slow>fast” or “fast>slow” transitions are both described as inflection points.

An inflection point is therefore more subtle , less visible than the other “points”.

  • .. Unlike a turning point, an inflection is more often recognized in /hindsight/. For example, a breakthrough inflection point is often recognized after an accumulation of steady focus.
  • .. A highly visible inflection point is often seen and described as a turning point.

==== examples:
[l=Leverage (sustained focus on a strategic component) is a common feature of inflection and breakthrough.]
[u=unexpected (sometimes unbelievable) success either before or after the inflection point]
[g=gz]
[f=PFF]
[e=edu .. deserves more sunshine]
— [elu] G5 inflection: 1987 Grade 8: improving Chinese composition
One of the earliest inflection points in my life experience of resilience, /triumph/, overcoming the odds
— [elu] G9 inflection points: English
* [u] Inflection point: early 1993 passing O-level English by ULondon .. effectively sealed up my Achilles’ heel in my college plan. I knew at that point that I could now afford to fail General Paper. Natural trajectory which started in late 1991. My initial standard was very low and I received many inapplicable tips, tried many ineffective methods. I had to focus on 1) writing 2) listening 3) vocab 4) speaking. I soon took off and reached this inflection point.
* milestone point: Sometimes in my 40’s R.Teo said I was better at writing some important letter than he and many Singaporeas can write.
* Inflection phase: Sometime in my late 40’s, I started to notice the common standard among many well-spoken Singaporean English speakers, and I had reached a comparable standard, in terms of clarity — articulation, simple or sophisticated vocab, natural sentence construction… Am still in the inflection phase.

— [eu] G15 inflection point: Jan 1992 joining HJC .. helped me prepare all of my subjects including Chinese!
Inflection?? natural trajectory started in Shiyan, but I was lucky to avoid any further delay in SG as happened to many China students of my age.

Inflection? Yes in terms of my “condition” to survive in SG (as a student, then a professional). Yes in terms of my academic path. As of 1991, it was not a given that I would be accepted at HJC. I was actively planning to go back to Beijing. HJC teachers helped paved my way out of the woods.

— [eu] G8 pivot pointS: joining Shiyan, HJC, UChicago, and earning top grades. A related inflection point is the steady ascent of NUS in global standing, after I graduated! The common theme — these exclubs help me stand taller among many specific groups.  They feed an ego in me — I’m still watchful.

Infection? Before each inflection point, I was experiencing much slower growth in my academic self-esteem.
— [gu] G3 inflection point: Mar 2010  joining WallSt contract market ..
impact: dev-till-70 and career longevity
Inflection? Yes in terms of career trajectory/outlook, income, work-life balance, survival strategy.
— [gu] G19 inflection point: 2010 starting c++ journey after the java journey had /plateaued/ for years.
— [glu] G9 inflection point: 2017 when I started passing multiple c++ interviews.
— [gu] G15 inflection point: Dec 1999 joining Catcha
Inflection? Transition from electronics to IT domain was inevitable. If not 1999, then 2000s. Still, this was transtion from slow-growth to fast-growth
— [glu] inflection point: joining GS .. logical consequence of my entry to U.S. Even without GS, in hindsight I would likely end up on WallSt, because I had a technical mind, a strong foundation for body-building, and a good command of English. However as of 2007 this was an unexpected success.

Inflction? Yes. Before this point I was learning about U.S. tech interviews.

In terms of salary, I immediately broke into the lucrative world of WallSt, and pulled ahead of my cohort.

==== There are actually rather few true inflection points. Below are some of the vague items
— [u] G5 breakthrough: Dec 2005 met my dream girl..
Pivot! Until then I had always looked for other types !
— [u] G5 turning point: 2018 breakaway from FOLB/FOMO [ exclub, OC-effective, branded college, high-flyers, ] In 2018 I started sharing with Kyle and grandpa my breakaway and my rejection of the conventional ideals

Inflection? Earlier, my successE was in slow growth.
— [flu] G9 pivot/breakthrough: 2005 buying #04-116 after becoming SG citizen.
impact: It helped me buy the bigger flat #2-1173, and served as a bedrock of my family asset.

Inflection: Recognized a decade later. Before this point, I was always 无产阶级.|
— [fu] G9 pivot point: Aug 2015 choosing BGC (instead of SG condo) .. A bold start of a new “movement”
Inflection? Recognized years later. Before this point, I was only dreaming of owning multiple properties, in China, SG, Malaysia or U.S.
— [g] G11 turning point: 2017 when I changed to lower gear in my drive for high salary, muscle building… and shifted focus to carefree ezlife
Until this inflection, my successE was in slow growth.
— [gu] G11 breakthrough pivot point: Dec 2016 H1b approval -> reenter U.S. -> GC.. I think the GC was swift, with far-reaching consequences. The trajectory started in my teenage years, and I always had a longing for a U.S. experience

[21]long battles won/done →fat_n_happy

I fought the EE-DL battle, then the FCH battle .. Now I won it with UChicago degree.


k_quietime  k_soul_search  k_tectonic

Compared to …

… this blogpost is unique in its emphasis on fat-n-happy and on extended battle. Fat-n-happy doesn’t means “battle won”.  See also ##progressive growth: 江河日下, written around the same time.

fat-n-happy is almost the opposite of zqbx …

To avoid becoming another vague, all-encompassing list, we need to careful about what NOT to include (more than what to include) in this list. Even though I’m careful what to include, the focus is shifting to the on-going battles where no fat-n-happy exists. This shift threatens to homogenize and commoditize this once-unique blogpost.

The Trigger — nowadays I feel fat-n-happy, not engaged in too many of those long drawn-out.  battles/struggles like IV, PIP,,,

When I say “battle”, the adversaries are usually not human enemies, but difficult systems, complexities, high bar, or myself.

How specific? With some battles, I want the analysis to be very low-level and specific. With other battles like personal finance, I don’t want 88 specific battles, but I can list them in the section below the table.

— burn or rot? Not rotting. Am more serious about wellness, parenting (and pff), less about gz

— 躺平 ? My fat_n_happy / mellowness are marginally related to the 躺平 movement, and only in the career dimension.
When I think about the 躺平^内卷 (involution) struggle, I realize my non-trivial success [not luck] in 1)cashflow 2)career 3)credentials.

However, these pair of Chinese terms are abstract, arcane, not widely understood even in China, and therefore hard to use in any writing. They may become largely unrecognizable within 10 years.

==== Now the list of battles
[p=personal battle, mostly inside my own world]
[m=mellowing up]
[e= improved my “position” mostly due to personal effort, rather than external factors like luck. See locus@control]

battle years         headline sub-items or related items won/done/
NonBattle
notes #detailed notes.. below table
1990s-2006 [e] sexual needs won
2010s-2017 marriage stability NB
2010s-NOW [p]wellness: BMI heart risk[family history]; visible belly fat; body fat%
2000s-now [mp]yoga,pull-up.. weekly workouts;
2010s-NOW boy 沉迷
2010s-now boy academic mtv winning
P2-P6 boy’s grades done worry subsided
2000-2019 [p] competitive IV career longevity, churn, scarce quietime4self-study won
2007-2016 [em] PIP GTD, PIP .. were the battle of my finDev career done
2000s-2019 [em] FOLB brank, fake role models done
   ———— — minor battles, and unrelated to fat-n-happy or mellowing —
2000s-NOW tech churn done now I focus on c++, coreJava
2010s-2017 aging #as dev IV; on-the-job won
2000s-2017 [mp] per finance housing(high rent]U.S.); medical inflation, bx, won
P1-P6 boy’s diet, BMI won
2007-2009 [p] U.S.commute SG: won
2007-? [m]car dependency see numerous blogposts done
birth-2017 branded degree 2nd-class honors in a world 2nd-tier college won
1991-1999 English listening comprehension; speaking; won expr writing = rewarding
1990s-2020 [p] stay organized EMC/visio, mgmt of own content won
2000s-2010s [mp]book ownership won
till age 6 妹: 边喂边看 wife worried about underweight won
1990s limited 关系网 self-identified as 不合群 done growing confident

— IV battlefield ..
For example, see https://btv-gz.dreamhosters.com/2016/10/30/civ-weaker-than-java-introspection/. Now I no longer try so hard to enter a tough field like quant or HFT.
— survival on the job .. struggled in GS, Stirt, Macq only. I chose well.
— battles against tech churn, aging and out-sourcing .. affect livelihood in two distinct contexts 1) competing for jobs 2) keep-the-job (promotion is never a concern to me)
I always emphasize (1) over (2).
— stay organized .. is a common battle as our belongings and our personal content keep growing
I feel things stabilized after kids grew up.
— marriage .. now I realized how important wife is to the kids
— pff .. Why the struggle? I subscribed to the brainwash/propaganda, and carried the burdens of SDXQ housing etc.
Inflation was portrayed as so high that you simply can’t beat it with your paltry salary and savings (need investment).

However, my suffering was lighter thanks to my brbr[saving, conserver/minimalist]. My struggle was smaller than my peers’ struggles.

My family livelihood needs are well taken care of. This battle is largely symbolic…
— wellness
Contrary to conventional wisdom, Cholesterol is a long but small battle. Didn’t require tough lifestyle changes.
— sexual needs [searching, courting] .. a decade-long battle. Fierce competition (battle) for the desirable women. In college I was coping fine, but not the decade after. See involuntary celibacy + sexual needs since 2000s. I feel lucky now.

Why not labelled a “personal” struggle? I actually engaged in courtships many times. I had to position myself and adjust it frequently.

Why I consider it my own effort? I chose well. After years chasing the wrong targets, I chose the right woman to satisfy my (not all selfish) needs.

midlife_crisis #timetable@self-growth

k_X_power_descriptor

This blogpost is 40% about my personal experience, and 60% about my cohort. See also

The Royal Society lecture focused on midlife crisis for men. “Now in my 40s I have not achieved [1] much” (i.e. my targets) is a rude awakening for many middle-aged men. Those specific-n-measurable targets that we were instructed to formulate are a double-edged sword:

  1. Those targets serve to focus our laser energy.
  2. They also sharpens the focus on our so-called failures. They often sow the seed for the midlife crisis and self-hate.

If you write down the specific targets, there are variations of themes in career, parenting, financial etc. A measurable target like “$500k-by40” would become uninspiring when most of your peers exceed that target much earlier. So the real target in our subconscious might be exclub-related.

[1] Achieve, Perform, Success, Pride, Status, (self-)respect .. are all pegged to the exclub, FOLB and self-hate.

I think rather few professional men perceive wellness or resilient marriage as a top 3 target… wrong priority!

Among the major targets, many (esp. Asian) parents would include “academic kids” but I can be a successful parent if my kids grow up to live a healthy, happy, fulfilled but mediocre life without academic or professional success. Actually, most parents’ lives are really mediocre, including mine. Not raising academic kids is not a failure and should not contribute to midlife crisis.

Q: Do I feel a midlife crisis and why?
A: As of 2021, Overall I seldom feel a midlife crisis, perhaps because I have achieved many of my targets. A number (?) of them are based on peer comparison, but I tend to perceive all my targets as based on rational, critical assessment of family livelihood needs, not herd instinct.
A: Occasionally I hit a small midlife crisis when I feel ineffective in academic parenting, or on the brank benchmark… The more fixated on the brank [exclub, FOLB], the bigger that crisis looms.
A: in conclusion, if I ever felt a non-trivial midlife crisis, it is rooted in peer comparison [exclub, vanity, FOLB…]

Q: how about a high-flyer peer in my age group? Does he hit a secret midlife crisis?
A: I think high-flyers often do, in terms of marriage failure (about 30% of my peers), wellness [work/life balance per HF.Sun], job insecurity [S.Liu], Brbr [pressure to save up millions]… If a guy has none of these crises, then he may still feel missing one of his targets, as his benchmark group are a higher exclub. Remember that the SDXQ homes are comparable to Orchard mansions. Therefore, to avoid the midlife crisis, we must reject exclub benchmarking, stay loyal to the self and family, and keep a steadfast focus on the real priorities.

— timetable .. “There exists a socially prescribed timetable for the ordering of major life events: a time in the life-span when men and women are expected to marry, a time to raise children, a time to retire” — Bernice Neugarten. An individual (me included) would often recognize in hindsight that this prescribed timetable is not suitable or ideal for herself. Individual differences are bigger than expected. We don’t all fit the same mold.

As I told grandpa, we tend to notice that among the “visible success stories”, the biggest age group is 40-50, bigger than 50-60. This is such a statistical misperception:

  • many of these “visible success” individuals suffer ill-health(work-life imbalance, hazardous stress..), marriage breakdown (broken family), poor career longevity, job insecurity, financial ill-health (Brbr, debt..)
  • many of these “visible success” individuals would fall out of the leading pack later in life

There’s also a timetable according to the subculture of “personal growth” — some group of individuals subscribe to a timetable of personal growth and mastery. By a certain age, we are supposed to reach certain levels of self-discipline, self-mastery, enlightenment, simplification, wisdom, perceptionOfReality. Specific things like exercise, yoga, diet, writing, interpersonal skills, slow speech, patience, investment insight … Well, there is no such timetable. As we grow at our own pace, we hope to become wiser, stronger on some of these things but if we don’t, it’s actually normal.  Should not lead to midlife crisis.

## misc sinkingXp #CAD

k_sinkingXp

If one of the experienceS below should get more sunshine (more reflection more analysis), then it can move to the original blogpost,

  • [w=things will get much worse. I must brace myself for the massive impact, including legwork and effort]
  • [i=prior “investments” mostly wiped out. You may have to relegate to a lower league.]
  • [h=hard lesson learned. I grew wiser.]
  • [p=real possibility of permanent damage]
  • — less about sinking:
  • [r = Mostly my own responsibility.. often self-hate. No one to blame. K.Hu tends to have a different explanation. H.Yi too.]
  • [t = If you hadn’t tried you wouldn’t have to experience this sinking feeling. DeepakCM’s interviews? ]

— [p] 2024 gastritis diagnosis .. I am not one of those “healthy adults” who can safely skip breakfast for decades.
— [pw] 2024 CAD diagnosis .. I am grieving the loss of freedoms
— [p] 2009 wife was rejected for citizenship ..  Big hope dashed. We were coming to terms with the prospect of “never“.
— [ipr]  NUS Y3 receiving a second “D” .. a sinking experience “Never a chance for a first-class honors.” I had to redefine my self-evaluation, self-image as a top scholar.
— [irt] In 2016 when I realized most of my UChicago fellow graduates [K.H] tried but were unable to break into quant jobs, it contrasted my earlier knowledge of several non-PhD quants on Wall St. I realized my chance is very very low.
— [iw] 1989 Shiyan 保送高中 ..  probably the heaviest blow at the time. Big hope dashed.
[p] I was forced to come to terms with the risk of losing my seat in my senior middle school. Real risk at that juncture.
— [p] 1991 when I realized I would be delayed for 2Y compared to Shiyan classmates.
In hindsight, such delay is common. See delayed→earned higher-value degree: TsingHua^NUS #MSFM and ## 1Y-delay(!!repeat) in SG public school #w1r4
— [t] 1990 failing to qualify for Beijing-level physics Olympiad
— [r] in my 40’s, when I noticed a few ex-peers moving up to MD or web2.0 riches. A common, shared experience of sinking feeling but I got more used to it over the years. HY.Cai, YY.Tao, K.A #sinking is one example. See also ##wake up1day..left behind the pack
— [ihrw] visa for Chinese passports .. UK transit visa + US visa for waipo. Classic sinking experiences.
— when K.H gave up trader or desk quant ambitions, after years of interviewing.
I had mild sinking experiences in the process of giving up quant and HFT ambitions.
— [p] grandpa receiving cancer diagnosis
— [w] autism for XR and Miles
— [hr when I woke up in the HKIA airside hotel and saw “30 minutes to take-off”.
— [hr] NUS jam 1994. The moment I realized I lost my pouch was a (minor) sinking experience. I had to deal with all the lost cards.
— [hir] perf reviews were among the heaviest blows. GS, Macq, OC,,, See [r]

  • Why the Stirt layoff was less sinking?  Reason: I was mentally prepared. Reason: I had earlier receive Meet/Meet rating.
  • Why OC doughnut was sinking even though job was safe?  I was expecting some approval/appreciation.
  • GS “partial meet” was less sinking? Because I know who to blame.
  • .. However, the conversation with the Korean lady manager was a sinking experience, due to the official, firm-sanctioned verdict.
  • Macq “Termination” chat IS the worst experience in hindsight, but was, at that time, not so sinking. On the spot, I turned down any internal transfer opportunity.

## def[sinkingXp]

k_soul_search  k_sinkingXp

See other sinking experiences

心里一沉(“sinking feeling” as in [[6parenting crisis]]) is often a watershed_moment, associated with a single, memorable downward-turning point. After that, the situation is basically irrecoverable. Nothing much can be done to recover anything.

In this blogpost, I want to focus on the most traumatic experiences. Why I bother with collecting these experience? They are among the life-transforming , defining moments of my life. Lots of insights to be uncovered.

By the way, Some huge setbacks were less traumatic on me , less than on my peers, thanks to my self-protection shields — psychological defenses. H.Yi …

— [t] 1993 after A-levels, receiving rejection letter from classmate. Classic sinking feeling
Similar:  1999 My NUS secret love interest told me (by email) that after she fell out with her ex, she had found a new boyfriend.

Strangely, the interview rejections bear a weird similarity in terms of the sinking feeling.

  • When I heard Venkat got into SquarePoint and Indeed.com
  • When I heard that Henry Wu got into Bbg . Actually, I nearly passed bbg interviews twice.
  • When I heard that Gerald Robinson and Rahul got into FB

— [ip] when marriage counselor told me to imagine family break-up… It was a simulated sinking, in a safe, controlled environment, so the sinking was scary but felt like a nightmare.

At present, my marriage is secure and stable. I hope to make it resilient.
— [hprw] 2019 trespass .. receiving the court ticket was a sinking experience 一念之差. I hated myself.
[i] I was scared of impact on my green card and my entire U.S. immigration plan for the family, as if trespass was comparable to theft or violent crime !

Now (2021) am less desperate about U.S. The more desperate, the deeper your sinking.

— [hr] 1997 cut-loss 壮士断臂自救 .. when I was considering to close my commodity trading positions, there was a sinking moment
Q: Another sinking experience in the future?
A: Already diversified. Risk capital needs right-sizing. At the moment, a 20k realized loss probably won’t give me a sinking feeling.
A: Need to be aware of the dangers, but not babysitting !

western men overrated@@

At Shangri-La, I saw many white men (also some Asian men), mostly fathers in my age group. Mostly affluent families, based on my guestimate and intuition.

However, they don’t seem to have the highest level of wellness that I used to associate with white men. My decade-long inferiority is now put into question.

In terms of brbr, I have reason to believe I’m in much better “shape”.

The same evening, I discussed the same topic with the LZ.Yu family. For some individuals, excess cash balance is like desserts left in a fridge… will disappear sooner or later.

exclub: wealthy Chn investors@Jill !!superior #MAPIC

 


I met with Dr Soo for a short while, with Jill’s introduction. He described his China clients speaking of investing “至少一个亿 (RMB)”. I felt diminished and disqualified by the exclub (exclusive club).

  • doubt: talking vs investing… Many people talk about $X but when it comes to payment date, only invests $0.05X. I’m one of these “cautious investors”.
  • jolt: an even higher exclub… these same people would feel belittled when they meet a tycoon 10 times richer. Why do we have to feel belittled in the first place?
  • jolt: carefree ezlife .. How many of these people have a carefree easy life like mine at my age?
  • UChicago .. on a minor note, how many of these guys have a reputable degree as a personal achievement?

Q: But why the hell do I care about a f**king $100M when I have enough to spend for my lifetime, as MMM would say?
A: I think this is really exclub for the sake of exclub

Some similar experience:

  • At MAPIC, how did I feel when I heard about the multiple properties those guys own? I guess most of them are leveraged.
  • How did I feel when year ago I heard stock investors talking about the multiple stocks they own?
  • How did I feel about MD job titles my previos peers have earned? Perhaps double my salary, but also lots of stress and job insecurity.
  • How did I feel when decades ago I came across a graduate of an ivy league?

Now I have some insider info, my envy and FOLB (for these exclubs) is undergoing “release and unwind”.

— more important than the exclub of high net worth .. is the exclub of healthy longevity, i.e. the “club” of individuals who get to live a long healthy life.
Q: Who do you envy more? Which exclub do you choose if you can choose only one?

I never thought about these two choices. How obvious is it now !

— more important than the exclub of high net worth .. is the exclub of harmonious family.
Many of those wealthy China clients probably don’t have that. With their fame, riches, power and influence, they suffer.

Now I recall the Church gatherings. Rich families and modest families mingle, but I can’t tell the difference.

 

[20] y I feel successful #U-index

k_def_of_success

See also ..

Perhaps the telltale sign of a hitherto successful life (successE) is a sense of carefree satisfaction. I’m currently satisfied with my simple, modest, well-cushioned life. There’s not something missing, or something unwanted like pains, stressors, or FOMO (Fear of Missing Out).

What counts as a successful life is primarily based on a personal definition. By my definition of “success”, I have achieved what I wanted by this stage of my life. 想要的, 都达到了。Some of my goals are needs, and the rest are aspirations.

  • personal health — a fundamental need. Some people are born with health conditions, and they can still successfully managing their conditions.
  • family — a fundamental need in my view, not a universal view. Some people chose a single life. Together with my wife, I have built a fairly cohesive family, overflowing with affection.
  • [e] life partner — I dreamed of a beautiful wife and hoped for a long-lasting marriage. My marriage turned out to be quite meaningful, enriching, rewarding and satisfying, better than I hoped.
  • kids — I hoped to have one or more healthy kids. I also wished to have beautiful and (not necessarily academically) smart kids. I put in huge effort to ensure they grow up fine.
    • As to their academic achievements, it’s a long term desire. I would consider myself successful if we set a realistic target for them, and I help them put in a good effort. Result is mostly their success (or failure), not my success (or failure).
  • home ownership — In most countries owning a home would be a common aspiration, but Singapore citizens consider it a common need.
  • [e] affordable healthcare — a common need. Beyond my dreams, I have  reached this goal (miraculously) ahead of time by taking up Singapore citizenship and selecting low-cost Shield plans. Singapore is far from a role model system, but decent in my experience. Meeting the same need in another country might be harder.
  • stable career — a common aspiration. My (and wife’s) chosen domain is growing and dynamic. My (and wife’s) skillset is currently in-demand and fairly marketable long term. As a consequence, our household salary level is a few times more than enough for our family burn rate. Most people dare not feel too comfortable (comfort zone, complacent) about job security, and I feel slightly more optimistic than them. Yet my sense of success is only partially based on this “slightly more” optimistic sentiment.
  • retirement planning — (and long-horizon cashflow planning). I consider it a common “need” to have adequate cash flow at least 2 years out, and live without constant worry about cash flow for the next 3-10 years.
    • college funding — is the twin sister of retirement planning, and a common aspiration. Probably requires $300k – 600k for my kids. Am not “successful” in planning it but I feel confident I can send my kids to affordable colleges without regret or financial burden. A top private university is Not my aspiration.
  • healthy lifestyle — a common aspiration. Many people in my circle want to develop wellness habits and have time to keep them up. Most of us fail, because it actually is extremely hard. I’m more successful than most people around me. My friend Zeng said most guys above 45 have belly fat.
  • education achievements — A common aspiration. As a student, I always wanted top grades and reputable college degrees. I achieved success by earning a prestigious degree from UChicago. National U of Singapore, where I earned my bachelor’s, is also a top-rated university ranked top 3 in Asia and top 30 globally.
  • [e] short, comfortable commute — an uncommon desire. Thanks to my skillset I can choose where to work. I now have one of the best commutes of my life. On the train I can read or use my laptop every day.
  • hobbies — a fundamental desire. My dad wants to have more hobbies like my mom has. I have rather few hobbies — exercise, blogging, movies, reading history/science… and technical self-learning. Yoga and piano might become hobbies, I hope. These hobbies make for an enriched life.
  • friends and support network — a common need. My dad has very few friends left and he feels lonely. Friendship is less important to me, but I have successfully maintained a small circle of friends, and we support each other through the ups and downs. Many of them understand my situation and confirm my self-assessment of “success”. They know I may not be successful as a manager, and my boy may not be an academic kid.

So I don’t need to be a millionaire or big manager to be a success. My dad aspired to produce valuable research and leave a legacy. He is successful in terms of successL. I don’t need to be rich or celebrated. I can be a success without those because those are not my aspirations for the last 10 years.

A 30 year old tech worker in Beijing considers himself unsuccessful because a “decent” home typically costs RMB 5 million to USD 1 million, and his USD 60k salary (月薪 3万五) is insufficient. His aspiration makes him unsuccessful. Essentially, he is disqualified to join this exclusive Beijing home-owners’ club. Instead, if he opts for renting, then his salary would make for a comfortable life, perhaps a sense of self-esteem and successE.

Most of my goals are not entirely “personal” goals, but rather fundamental human needs, or common aspirations. For example, it would be self-delusion to rate myself a success if I hit recurring cashflow difficulties or job losses. However, at a deeper level success is always achieved and measured case by case, taking into account the specific circumstances. For example,

  • A divorcee can be a success if she takes responsibility of her bad choice, does her best to assess (or rescue) the marriage, and decisively end it so as to move on.
  • A failed investor can be a success if he cuts loss earlier than others and survive a market decline with the least amount of loss.
  • A dollar millionaire in a high-cost country may have a lower quality of life (due to healthcare cost, housing cost, school cost) than a Malaysia friend (perhaps someone in a smaller town) without a million dollars. So a million dollars in your bank doesn’t automatically make you a bigger success than the Malaysian, in terms of cash flow situation.
  • A parent with kids in average schools, with no hope for a community college, can be a successful parent, even if her kids don’t go on to land high-paying jobs. The parent may have overcome the odds as a single parent, or with health conditions. Every family has its challenges. If the kids puts in effort, and don’t become a problem kid, then we parents have done a decent job, perhaps a successful (successZ) job.

Therefore, I believe it is invalid and unfair to judge a person’s success by a universal yardstick.

— relative importance of each goal
In the mass media and among the Chinese middle class that I know, the vague notion (not a detailed definition) of “success” is disproportionately represented by household income percentile, educational credentials, leadership position, personal assets. But success also means satisfaction with one’s life. Satisfaction is fundamentally personal, so something essential to me (commute!) may be unimportant to you. In some people’s mind, rewarding hobbies are more important than personal network, family harmony is more important than academic kids. Some don’t mind a series of divorces — it could be demonstrate he/she is in-demand. Some don’t mind a shorter-than-average lifespan /punctuated/ by severe illnesses, as long as they don’t suffer too much before dying. PER with Duration Neglect.

In my “components” of success, the importance of self-effectiveness far outweighs interpersonal effectiveness and organizational effectiveness (including leadership). My dad is a role model. I’m not really a success in terms of leadership, friendship, influence etc, but those are not my aspirations and not my strengths.

—  Q3: why I believe most of my peers feel less successful?
Q3b (a related question): Suppose we screen my thousands of peers using my list of goals/components. As joked about in G4 Personal advantages: Revealed over15Y #byHalf, with each criteria, the remaining “percentage” drops by half ?. Why?

  • Answer #1: their goals are more comparison-based (FOMO) such as academic kids. My List of goals/components are modest if measured by comparison with the rich.
  • Answer: blessing — admittedly a big factor in my favor.
  • Answer: effort — last but not least, a key part of the definition of successZ is “achieving”. Reaching all your goals by luck or inheritance, without a huge effort, is not success. Wherever an item in my list above requires only a mediocre/moderate effort, I will mark it with [e]. See also locus@control

— Q4: why I feel satisfied more often than my peers? “Happiness” is more about xpSelf; “Fulfillment” is more like life-long; “Success” is more about well-defined goals.
Historically, ffree was the seed of this recurring sentiment, but is no longer the only fountainhead. Instead, wellness, satisfying job, bonding with kids/wife, … are growing but I will skip component_analysis. Component_analysis .. is the focus in many blogposts, not in this question.

The rmSelf is the primary judge  but my U-index (by xpSelf)  has been very good in recent years i.e. most of the time I feel _happy_ and sometimes highly satisfied.

A: introspective blogg .. (meditation). My peers don’t look inside long and deep, so they don’t feel and believe the good time they live in. I guess in terms of hours spent blogg about positive evaluations, I’m clearly in the 1st percentile of heavy bloggers. I need to blog so much because the satisfaction is surreal and I constantly check “ain’t-dreaming”. See why SO much analysis@ffree, Defense,carefree #Inception

A: visible benchmarks .. my peers, including my wife, tend to feel unsatisfied when they focus on top schools, brank, home size, car brand … (No Component_analysis here).
I am also affected by the benchmarks, but am more philosophical, more mellow .. (see the blogposts on harmony). Reflected in U-index (D.Kahneman)

A: successE, successZ are more important to me; whereas successC (exclub++) is more important to my peers.

— compare to my dad. He is the very best in his field, but he knows his influence is not so wide, his value not so great, his legacy will not last very long. Limited successL.
In comparison, I have reached ffree fairly early, in my late 20’s when I quite my full time job. Reached again after overseas rental started in my early 40’s as described to Kyle. Then the mvea and mlp jobs became carefree, and my SGD non-CPF brbr increased way past 2.0.

Am I more successful than him? No simple conclusion.. depends on what your priorities, goals, and the def@success.

— My office building security manager told me “你是成功的人士“. It got me thinking what made him say that. Perhaps my daily workout routine; My UChicago T-shirt