[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

 

中年男士40-50压力最高@@ #w1r1


k_X_FOMO_v_livelihood

压力最高是 2008-2009 高盛阶段。最近几年 (2017 年以来)逐步降低。

[w=related to widespread wrong priorities, such as mindless luxury spend driven by blind FOMO, or mindless fixation on brank]

  1. 健康? 有的中年男士出现状况, 我只是胆固醇稍高
    1. [w] 没时间运动和睡眠? 我有时间
    2. [w] 饮食失控?
    3. 失眠?我没有
  2. [R] 上有老下有小需要照顾? (Singaporeans talk about the sandwich generation.) 只有大宝这小子叫我操心. Much better after PSLE.
  3. marriage? no major threats or fault lines
  4. [Rw] 房奴? 只贷款了两年。(其实根本不用贷款。公积金利息比贷款高, 不想动用公积金所以才贷款。)
  5. [w] 入不敷出? 不工作我一家都够花
  6. 工作职责,任务,压力? 有的中年男士40多爬到个人事业巅峰,可能责任重大,指挥千军万马。 我没这压力。
  7. FOLB, as hinted in the RoyalSociety talk [[Life Starts at 40]]
  8. 移民? 的确是许多中年男士头上一座大山。 移民牵扯到购房、医保 、语言障碍、适应气候、歧视、重建人脉、就学、就业、 甚至被迫转行。 有的蹲移民监不敢回国(怕再进不来)连家人送葬都赶不上。
  9. [R] 投资重挫,一蹶不振?Strategic misstep? 我也亏过, 但没损失个人净资产的 1% 所以没啥压力。
  10. [w] 架空? 有的中年男士薪水或职位太高,公司可以提拔30多岁年轻人“取而代之”。 就算没有迹象,也令当事人忧心忡忡,战战兢兢,捕风捉影地疑神疑鬼。 我不担这心。

— [R] See also may (mail) long chat with R.Teo

— I think the “中年男士压力最高” notion is not supported by enough data .. See [[lifespan dev]]. However, there is enough anecdotal evidence to convince most observers that indeed many 40-59 men suffer multiple stressors.

Similar to the wealth gap (income gap, education gap…), this is a kind of “mental health gap”.

##..is_fragile: job security, harmony,

The compliance issue reminds me … job security is fragile


“Life is fragile” .. a common phrase, _always_ used in specific contexts. I think Buddhism has a lot to say about it and about impermanence.

Q: Do I feel XX) 幸福 or KK) 快乐 about each item below?
A: fragility usually implies temporary happiness (KK), but see below.

— job security .. (at a particular employer like MLP) can be fragile esp. if it feels like a very stable job. See preClearance misstep #Zeng. Job security is the #1 fragility on my mind. Paradoxically, I still feel XX about my current job.

In contrast, my /adopted strategy/ of dev-till70 is less dependent on a particular employer… slightly less fragile.

— carefree ez life .. More /loosely/, my sense of carefree, my easy life.. is quite temporary and fragile, but I feel XX.
The most tangible part of my carefree ez life is my barebones ffree. See ##random derailers@ffree #resilience. Fragile, but I feel XX.
— a kid’s perception of acceptance/belonging, self-esteem .. can be fragile during a certain phase
— family harmony .. should not be fragile but I often feel it is fragile. I feel KK.
— the precious trust and open communication with my teenage son
— wellness .. is fundamentally fragile, but luckily we are fundamentally aware. I feel XX.
sexual vitality .. fragile, but kind of non-essential in old age. I feel KK
chin-up .. my current condition is fragile. I feel KK
good sleep .. fragile, but I feel XX
BMI .. fragile, but I feel XX
— SG .. national livelihood, racial harmony, even security .. can be /vulnerable/, though many Singaporeans actually choose to retire in SG. Fragile but I feel XX.
In contrast, big economies like U.S. and China are seen as less fragile, but I say it’s very loose, imprecise, uncritical thinking.

==== Now some counter examples that aren’t so “surprisingly fragile”.
— burn rate for basic livelihood .. (jolt) fairly secure in my view. See livelihood[def2] x-class #S.Liu. I feel XX.
— wealth preservation .. ( till my passing, not for my posterity)
Jolt: If we avoid and contain strategic missteps, then the (external) hazards do not loom so large in my mind at this stage. These hazards hit everyone and are widely studied and monitored. Most of them are actually financial rather than physical hazards.

def[utopia] y SO much analysis@ffree, Defense,carefree #Inception

 


k_X_FOMO_v_livelihood

Q1: what motivates me to spend so much time blogging on Defense, carefree, ffree, FOMO^livelihood?

My current carefree utopian bliss feels fragile, fleeting/impermanent, almost surreal, like a dream, too good to be true.
Also, no one (except my dad) seems to be endorsing my priorities, my habits, my perceptions

Therefore, just as [[inception]] characters constantly check the totem, I feel the urge to review my blogposts in T_defense, T_carefree, T_ffree, in an attempt to make sure my carefree life is real not a /utopian/ dream. I don’t want a rude awakening.

Jolt — perhaps it’s ok to live the (almost surreal) utopian life without questioning it, just like the last scene of [[Inception]] — “Using Mal’s totem – a top that spins indefinitely iFF in a dream – to test if he is indeed in the real world, Cobb does not observe the result and instead joins his children.

— a related question: Q2: Why writing so many blogposts comparing my ffree with peers?
A: since my teenage years I have witnessed the vast majority of adults (99% of the people around me) struggle and suffer the stress, and later experienced the same myself. Since 2017 I started seeing some reasons to feel free — so surreal and tantalizing as to demand an examination and clarification. After some research, I now believe there are a few /identifiable/ differences (between me and peers) not only in attitude but in actual and projected cash flow figures.

A: FOMO esp. due to brank (a lost game). This is a powerful driver for my comparative analysis.
A: ( secondary j4 ) rationalize my U.S. housing decision. The mainstream choice is a $800k school district home.

See blogposts on HaiFeng discussion, and rely to Genn

— utopia/surreal .. are increasingly used in my blog. It has rich connotations. As used in my blog it can refer to

  • SG as a utopia
  • WSt as a harbor and my tenuous career security
  • finDev as a blessed domain for a given age range
  • my current carefree ezlife
  • my barebones/minimalist/tenuous ffree

— T_FOMO^livelihood spotlights the intersection (rather than “boundary”) between my carefree surreal world and the real world of “other people”.

SDXQ remains a real FOMO, real pain, real dilemma, though it doesn’t affect livelihood.
— My monthly expense tracking exercise is another “reality check” in terms of livelihood, ffree, carefree, brbr
— OC_effective, brank, slowTrack
These are my weaknesses, 短板. Paradoxically, they serve to highlight my carefree livelihood, brbr, barebones ffree, my career longevity
— For a insightful contrast, I also spend lots of time on these other topics but for subtly different reasons:

  • T_bless — I don’t feel any urge to deep dive on this topic. I’m happy with a quick introspection

career longevity= #1 Bedrock@ffree
As to my carefree bliss, wellness is even more important, more fragile than career longevity.