He made 50 million before so it’s obvious he believes he can make it again. I don’t think money is his motivation.
Anyone investing heavily this year??
- Thread starter rph2005
- Start date
He made 50 million before so it’s obvious he believes he can make it again. I don’t think money is his motivation.
I initially dismissed them because they were only looking to produce components for "future" space stations. Now I see they have expanded to space systems. Promising change.
I still see them as a M&A target though.
Would I buy it? Not at this time.
Rocket Lab’s Neutron Rocket On-Ramped to U.S. Space Force’s $5.6b National Security Space Launch (NSSL) program | Rocket Lab
*Long Beach, Calif. March 27, 2025:* Rocket Lab USA, Inc. (Nasdaq: RKLB) (“Rocket Lab” or “the Company”), a global leader in launch services and space systems, has today been selected by the U.S. Space Force to compete for the Department of Defense’s highest-priority national security missions...
FILE PHOTO: Trevor Milton, founder and former-CEO of Nikola Corp., departs the Thurgood Marshall United States Courthouse in New York
FILE PHOTO: Trevor Milton, founder and former-CEO of Nikola Corp., departs the Thurgood Marshall United States Courthouse in New York, U.S., September 12, 2022. REUTERS/Amr Alfiky/File Photo
I watched the American Greed episode a couple of years ago about him. That Cac is from Utah.
How to Retire Early
The Retirement Planning Guide
Andrew Lokenauth
Mar 28, 2025
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Today’s newsletter is brought to you by MooMoo!
Good morning my friend and welcome back to your favorite newsletter! I hope you’re having a great week!
And thank you for joining the 100,000 members who subscribe to our newsletter, which is dedicated to helping you get smarter with money!
In today’s issue, you’ll learn about retiring early. We’ll discuss:
PART I:
1. The Math of Retirement
2. Learning from History
3. Retirement is a Number, Not an Age
PART II:
4. The FIRE Movement
5. 12 Steps to Financial Independence
6. The Financial Freedom Ladder
7. Accelerate Your Journey: Micro-Habits
PART III:
8. Overcoming Psychological Barriers
9. Common Myths
10. Questions to Test Your Retirement Readiness
11. The Mindset Shift Challenge
PART IV:
12. From Theory to Action
13. Things I Wish I Knew 10 Years Ago
14. Final Thoughts: Retirement Is Not Age
PART V:
15. Important Points to Remember
16. Actionable Advice
17. Commonly Asked Questions
But before we get into it, here’s a quick message from today’s sponsor MooMoo!
For generations, we've accepted the notion that retirement begins at 67. But why?
Working until 67 means spending 85% of your adult life working. With the average American living to just 77, that leaves only 10 years to enjoy retirement. Does this math make sense to you?
For decades, we've accepted retirement at 67 as normal. But what if retirement isn't about age at all? What if it's about reaching a specific financial number instead?
In this issue, we'll explore how to break free from the "work until 67" mindset and build a path to financial independence that could let you retire years—or even decades—earlier.
When will you retire?
POLL
Click to vote
Before 40
21%
40-50
18%
50-60
38%
After 60
24%
34 VOTES ·
Picture this: It's 7 AM on a sunny Tuesday and your alarm clock doesn’t ring – because you don’t need to go to work.
At 45 years old, you’ve already retired. While your friends and neighbors are rushing through their morning commute, you’re sipping coffee and planning a day on your own terms.
This scenario might sound like a dream or something only millionaires can do, but it’s becoming a reality for many ordinary people. Early retirement—quitting full-time work before the traditional age of 65— is gaining popularity as people pursue financial independence.
1. The Math of Retirement
Think about this: if you start working at 22 after college and work until the standard retirement age of 67, you'll spend 45 years working for just 10 years of freedom.
That means spending over 80% of your adult life working, only to enjoy less than 20% in retirement. Even worse, those retirement years often come when health problems may limit what you can do.
Does this seem fair to you?
Most of us grow up hearing that 65 is the “normal” retirement age. But have you ever wondered why 65 became the magic number? It turns out, the idea of retiring at 65 is a relatively modern concept – and it was based on conditions that no longer apply today.
The traditional retirement age was first set over a century ago for reasons that might surprise you. In 1881, Germany’s Chancellor Otto von Bismarck introduced one of the world’s first state pension programs, and he picked age 70 as the age at which people could retire with government support. A few years later, 70 was lowered to 65. But here’s the catch: back then, hardly anyone lived that long. In the late 19th century, the average worker died before reaching 65. Bismarck knew the pension program wouldn’t cost much because most people wouldn’t live long enough to collect many years of benefits. It sounds a bit cynical, but it’s true – 65 was chosen because it was beyond most people’s life expectancy at the time.
Fast forward to 1935 in the United States, when Social Security was introduced and set 65 as the official retirement age. Again, the average American back then wasn’t expected to live past about 61 or 62 years. That means the system assumed many workers would never actually get to retire and collect benefits for long. Retirement was meant for the minority who lived an unusually long life.
2. Learning from History
In ancient Athens, the philosopher Epicurus established a community called "The Garden" where members lived simply to achieve what Greeks called "autarkeia"—self-sufficiency and freedom from financial worry.
Unlike our modern work-until-67 model, Epicurus believed people should work to establish "enough" as early as possible, then dedicate the rest of life to friendship, learning, and simple pleasures. His community members pooled resources, grew their own food, and minimized expenses—creating financial independence thousands of years before the FIRE movement was named.
"Nothing is enough for the man to whom enough is too little," Epicurus warned, highlighting how endless desire for more wealth can trap people in perpetual work.
Jumping forward, consider one of the Founding Fathers of the United States, Benjamin Franklin. Franklin did something extraordinary for his time: he retired from his business in his early 40s. At age 42, Franklin was running a successful printing business in Philadelphia, but he had accumulated enough wealth to step back. In 1748, Franklin essentially achieved financial independence and stopped working for money at 42.
What did he do with that freedom? Franklin spent the next years pursuing science, inventions, and statesmanship. He experimented with electricity, helped found universities and libraries, and later played a key role in the American Revolution. Franklin’s early “retirement” from business gave him the freedom to focus on projects he was passionate about. This historical case shows that if you prepare financially, you can have a “second life” career or adventure after quitting your main job.
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3. Retirement is a Number, Not an Age
Here's the mindset shift that changes everything: Retirement has nothing to do with being 65 or 67 years old. As Robert Kiyosaki puts it: "Retirement isn't an age. It's a financial number."
You are retired when your passive income exceeds your living expenses.
This could happen at 30, 40, 50, or never—depending on your financial choices. Some people in their 20s have already "retired" by this definition, while others work into their 80s because they have to.
Why Age-Based Planning Fails
When you base retirement solely on age, you ignore important personal factors:
- Income Variability: Not everyone earns the same throughout their career
- Savings Rate: Some people save much more than others
- Lifestyle Goals: Your desired retirement lifestyle may cost more or less
- Health and Longevity: Some people live much longer than average
4. The FIRE Movement
The FIRE movement (Financial Independence, Retire Early) has revolutionized retirement thinking. The core concept is simple:
The math works: A 50% savings rate can lead to retirement in about 17 years, regardless of your income level.
- Save and invest aggressively (40-70% of income)
- Cut unnecessary expenses
- Reach financial independence in 10-15 years instead of 40-50
Why Early Financial Independence Matters
The goal isn't necessarily to stop working—it's to gain the freedom to work on your own terms. Here's why reaching financial independence well before the traditional retirement age matters:
- Health peaks earlier than your 60s. Many people dream of traveling or being active in retirement, but health challenges become more common after 65.
- Your most creative years shouldn't all belong to an employer. Studies show creative productivity often peaks in our 30s and 40s. Imagine what you could create if those years weren't spent entirely making someone else rich.
- Family timing doesn't follow retirement schedules. Grandchildren don't wait until you're 67 to be born. Parents don't stay healthy until it's convenient for your retirement plan.
5. 12 Steps to Financial Independence
1) Calculate Your Financial Independence Number
Your retirement number is simply: Annual expenses × 25 = Financial independence target
For example:
- If you need $40,000 yearly to live comfortably
- Your financial independence number is $1,000,000
- This follows the "4% rule" (withdrawing 4% annually)
2) Set Clear Goals and Plan Backwards
Figure out what early retirement means for you. Do you want to retire at 55? 45? 35? And how much money would you need to live per year in retirement? It’s okay if it’s a rough estimate.
For example, if you think you’d need $40,000 per year to live comfortably, you can set a goal to save around 25 times that amount (a common guideline) – which is $1 million. That $1 million, invested, could potentially pay out $40,000 per year without running out, assuming a modest return. Once you have a goal (say, “Retire by age 45 with $1M saved”), work backwards to see how much you need to save and invest each year to get there.
This goal-setting gives you a clear target to motivate you. It’s like having a map for a long journey – you know where you’re headed.
3) Track and Optimize Your Spending
You can't reach financial independence without knowing where your money goes. Track every dollar for 30 days. Most people find they're wasting money on things that don't actually make them happy.
The biggest wealth-building tool is your income minus your spending.
4) Increase Your Savings Rate
Your savings rate determines your timeline to financial freedom:
As JL Collins says, "The more you save, the sooner you're free. It's that simple."
- 15% savings = traditional 40+ year working career
- 50% savings = freedom in about 17 years
- 70% savings = freedom in under 10 years
5) Save Aggressively
“Pay Yourself First”: Early retirement absolutely requires a high savings rate. This means putting aside a big chunk of your income.
Many early retirees aim for saving 30%, 50%, or even more of what they earn. This might sound impossible if you’re currently saving little, but you can work up to it. The key is to “pay yourself first” – treat your savings like a must-pay bill. As soon as you get your paycheck, transfer the savings portion into a separate account or investment before you have a chance to spend it. By doing this, you force yourself to live on the remaining amount.
Start by increasing your savings rate gradually – if you save 10% now, try 15%, then 20%, and so on. Every dollar you save is one step closer to financial freedom. Treat saving like an exciting challenge – each month see if you can beat your “record” of how much you save.
6) Live Below Your Means (Spend Smartly)
Hand-in-hand with saving is cutting unnecessary expenses. This doesn’t mean you never have fun; it means you find cheaper ways to fulfill your needs and have fun without wasting money.
Create a simple budget or at least track where your money has been going. Identify expenses that don’t bring you much value or joy. Are you paying for a gym membership you barely use? Do you have subscriptions or app services you forgot about? Are you dining out because you’re too tired to cook, and could that be fixed with meal planning? Trim the fat in your budget and redirect that money to savings.
Also, avoid lifestyle inflation – that’s when each raise or bonus you get leads to a fancier lifestyle (bigger TV, nicer car, etc.). Try to keep your lifestyle comfortable but modest even as your income grows, and bank the rest. Many early retirees live in modest homes, drive reliable used cars, and find free or low-cost entertainment. They focus on happiness, not keeping up with the Joneses. You might be surprised how little you miss the things you cut out, especially when you see your savings grow.
Frugality isn’t about being stingy; it’s about spending on what truly matters to you and eliminating spending on what doesn’t. For example, you might deeply value your weekly coffee with a friend (keep that!), but realize you don’t care about cable TV (cut that and use a cheaper streaming service or library DVDs). These choices will boost your savings rate without killing your joy.
7) Invest Early and Consistently
Saving money is crucial, but saving alone isn’t enough – you need to make your money work for you, and that means investing. Investing might sound intimidating, but at a basic level it can be simple.
Many early retirees swear by index funds, which are basically low-cost funds that track the overall stock market. For example, an S&P 500 index fund lets you own a tiny piece of 500 large companies. Historically, broad stock market index funds have given solid returns over long periods. By investing consistently (every month, like clockwork), you harness the power of compound interest – where your money earns money, and then those earnings generate even more money over time. It’s like a snowball rolling downhill, growing larger.
Start as early as you can, because time in the market is one of the biggest allies for growth. Don’t let analysis paralysis stop you. Even a simple strategy of putting your money in a diversified index fund portfolio and letting it grow can lead to big results over a couple of decades. For instance, investing $500 a month at a 7% average return from age 25 to 45 can potentially yield around $250,000 by the end – which then continues to grow even if you stop adding to it. If you start later, you might invest more to catch up.
The key is consistency: investing every month or every paycheck, rain or shine, in good markets and bad. This discipline will make your money multiply. Over time, you’ll see your nest egg form, and that’s incredibly motivating.
8) Invest Wisely for the Long Term
The investment strategy that works best for most people:
Vanguard founder Jack Bogle's research showed that simple, low-cost investing beats complicated strategies 80% of the time.
- Low-cost index funds (whole market coverage)
- Regular contributions regardless of market conditions
- Long-term perspective (ignore market noise)
9) Avoid Debt (Especially Bad Debt)
Debt is the enemy of early retirement. It’s hard to save when you owe money to others. High-interest debt, like credit card balances or expensive car loans, can seriously slow down your journey. Make it a priority to pay down debts, starting with the highest interest rates.
Think of it this way: every dollar in interest you pay to a lender is a dollar that can’t work for your future. There are two main approaches people use: the debt avalanche (paying off the highest interest debt first for maximum savings) or the debt snowball (paying off the smallest balances first for psychological wins). Use whichever works for you, just have a plan to eliminate that debt.
Now, not all debt is equal – a modest mortgage or a low-interest student loan might be manageable on the path to FI, but you should still be cautious. The less debt you have, the more of your income you can channel into savings and investments.
Early retirees often live debt-free or close to it. If you have a lot of debt now, don’t be discouraged. Make a budget that includes extra payments toward principal, consider refinancing if it lowers interest, and avoid taking on new unnecessary debts.
Also, be careful with big purchases: expensive cars, luxury gadgets on payment plans, etc., which can sneak you into debt. Adopt a mindset of delayed gratification – save up and pay cash if you can, rather than borrowing. By minimizing debt, you’ll accelerate towards financial independence.
10) Increase Your Income (and Don’t Inflate Your Lifestyle)
While cutting expenses and saving are one side of the coin, earning more money is the other. If you can find ways to boost your income, you can reach your goals faster as long as you channel that extra money into savings/investments, not spending.
Consider negotiating a raise at your current job by taking on more responsibility or highlighting your achievements. Or perhaps upgrade your skills (like learning new software, getting a certification, etc.) which could lead to a higher-paying position.
Another idea is to start a side hustle or part-time business. This could be anything from freelancing a skill you have (writing, graphic design, coding, tutoring) to turning a hobby into income (maybe you love woodworking or baking and can sell items online).
Just be mindful: extra income should fuel your early retirement, not tempt you to spend more. So when you get a bonus, tax refund, or side gig payment, immediately invest a significant portion of it. This way, you won’t fall into the trap of lifestyle inflation.
Increasing income can also mean smarter career choices: sometimes switching companies or careers can bump your pay. It might even mean relocating to a place with a better job market or lower cost of living, which effectively increases the value of your income. These are bigger moves, but they can have a huge impact. The mantra here is “earn more, spend the same.” Any rise in income should fast-track your financial independence.
11) Build Multiple Income Streams
Creating passive or semi-passive income accelerates your journey:
Each $100 in monthly passive income reduces your required retirement savings by $30,000.
- Rental properties
- Dividend stocks
- Digital products
- Part-time business
- Freelance work you enjoy
12) Stay Consistent and Keep Learning
Retiring early is a long-term project, often spanning 5, 10, or 20 years of effort. It’s important to stay consistent and patient. There might be times when progress feels slow – for example, during a market downturn your investments might stall or dip. Don’t be discouraged; that’s a normal part of the journey. Stick to your saving and investing habits regardless of market moods.
Over the long run, steady contribution beats trying to time the market. It helps to track your progress periodically. Maybe every quarter or year, check your net worth (assets minus debts) and see how it’s growing. That can be very motivating, like watching a plant grow after watering it regularly.
Be careful to avoid scams or overly risky “get rich quick” ideas – if something promises huge returns with little risk, it’s probably too good to be true. Instead, focus on proven methods like diversified investing, real estate (if that interests you), and skill-building. Learning can also keep you inspired. Hearing about someone who retired in 10 years might give you new ideas or just the encouragement to keep going.
In short: consistency is king. Even if you can only save a little more, do it every single month. Even if the journey is slow, remember why you’re doing this – for the freedom and flexibility later on. Over time, these small actions snowball into huge results.
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6. The Financial Freedom Ladder
Think of financial independence as a ladder with clear steps:
Level 1: Stability (Net Worth = $0)
Actions: Build $1,000 emergency fund, track expenses, eliminate high-interest debt
Benefits: Reduced financial stress, stopped financial bleeding
Level 2: Security (3-6 months living expenses saved)
Actions: Complete emergency fund, refinance remaining debt to lower rates, begin retirement contributions
Benefits: Ability to handle job loss or emergency without debt, reduced anxiety
Level 3: Agency (50% of expenses covered by investments)
Actions: Maximize tax-advantaged accounts, develop additional income stream, reduce work hours if desired
Benefits: Ability to choose better work conditions, say no to abusive situations, take professional risks
Level 4: Independence (100% of basic needs covered by investments)
Actions: Shift work from necessity to choice, explore passion projects, consider location flexibility
Benefits: Work becomes optional for basic survival, major life decisions based on preference not financial necessity
Level 5: Abundance (100% of comfortable lifestyle covered by investments)
Actions: Focus on meaning and impact rather than earning, strategic philanthropy, mentoring others
Benefits: Complete lifestyle freedom, ability to give generously, legacy building
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7. Accelerate Your Journey: Micro-Habits
Small actions can dramatically speed up your path to financial independence:
The 1% Savings Increase
Commit to increasing your retirement savings by 1% each year. This small change creates minimal lifestyle impact but compounds dramatically over time.
The $5 a Day Challenge
Save just $5 daily—about the cost of coffee. This adds up to $1,825 per year, which invested over 20 years at 7% growth becomes nearly $80,000!
The Monthly Review
Set aside 30 minutes each month to review your progress, celebrate wins, and adjust your strategy. This keeps you focused and helps catch problems early.
8. Overcoming Psychological Barriers
Achieving early retirement is as much a mental game as a financial one. To break away from the traditional path, you have to think a bit differently from the crowd.
Studies by Nobel Prize winner Daniel Kahneman show that our minds often prioritize short-term gains over long-term needs. This bias explains why many embrace the old idea of working until 67 without questioning it.
Present Bias: The Enemy of Retirement Savings
We naturally prefer immediate rewards over future benefits. To overcome this:
- Visualize your future self in detail—where you'll live, what you'll do, how you'll feel
- Create automated savings that happen before you can spend the money
- Reward small milestones to get immediate satisfaction while building for the future
Loss Aversion: Why We Fear Investing
We feel the pain of losses more strongly than the pleasure of gains. To overcome this:
- Focus on long-term historical performance rather than day-to-day market fluctuations
- Dollar-cost average by investing regularly regardless of market conditions
- Accept that volatility is the price of admission for higher returns
Valuing Time Over Money
The common script says “time is money,” but early retirees flip this around to “money is time.” They view each dollar saved as buying them time in the future – time that they don’t have to spend working. This mindset can make it easier to save money.
For example, when deciding whether to buy an expensive new gadget, you might ask, “Is this worth delaying my retirement by a month (or however much time working that money represents)?” Often, the answer is no. By keeping the value of your time freedom in mind, you become more mindful of spending.
Time is a non-renewable resource, whereas money can always be earned. So, spend money in ways that truly improve your time or happiness, and avoid spending that only provides fleeting pleasure. This perspective helps you prioritize what really matters.
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9. Common Myths
Myth #1: You need millions to retire
Truth: Your retirement number depends on your lifestyle. Some people live well on $30,000 per year, meaning they need $750,000 to retire. Others need much more.
Myth #2: Social Security will take care of you
Truth: The average Social Security payment is around $1,500 monthly—not enough for most people to live comfortably.
Myth #3: You need to replace 80% of your pre-retirement income
Truth: Most people spend far less in retirement, especially if they've paid off their mortgage and eliminated work-related expenses.
Myth #4: You can't retire without a pension
Truth: While pensions are wonderful, self-funded retirement through consistent investing works perfectly well.
10. Questions to Test Your Retirement Readiness
Ask yourself:
Write your ideal retirement day hour-by-hour. Then ask yourself: Which parts of this ideal day could I incorporate into my life right now?
- If work became optional tomorrow, what would change about your life?
- What's one expense you could reduce that wouldn't affect your happiness?
- Are you trading your best years for a paycheck?
- What would your ideal day look like if money weren't a concern?
How Would Your Life Change With Early Financial Independence?
Imagine reaching the point where work becomes optional in your 40s or 50s instead of your late 60s:
The goal of early financial independence isn't necessarily to stop working—it's to make work optional.
- Would you continue your current job?
- Would you work part-time?
- Would you start a business?
- Would you volunteer?
- Would you travel while you're still young and healthy?
11. The Mindset Shift Challenge
For the next 30 days:
Small consistent actions create life-changing results over time.
- Track every expense and ask: "Is this bringing me closer to freedom or keeping me in the work-until-67 trap?"
- Spend 15 minutes daily learning about investing and financial independence
- Talk to one person who's retired early about their journey
- Calculate how much passive income your current investments generate
- Evaluate one expense you could eliminate to increase your savings rate
12. From Theory to Action
Transforming your retirement timeline requires more than just understanding—it demands action. Here's how to begin today:
Step 1: Calculate Two Numbers
The gap between these numbers is what you need to build for financial freedom.
- Your current net worth (assets minus debts)
- Your yearly expenses times 25
Step 2: Create Your Freedom Timeline
Based on your current savings rate, when could you reach financial independence? Use this formula: Years to financial independence = (25 × annual expenses – current net worth) ÷ annual savings
Step 3: Accelerate Your Timeline
Even small changes compound dramatically over time.
- Could you increase your income?
- Could you optimize your biggest expenses (housing, transportation, food)?
- Could you eliminate a debt?
13. Things I Wish I Knew 10 Years Ago
Here are the most valuable lessons that early retirees consistently share:
- Start early: Even small amounts grow dramatically over decades
- Automate everything: Remove the willpower barrier to saving
- Focus on big wins: Housing, transportation, and food make up 70% of most budgets
- Invest simply: Low-cost index funds beat most complex strategies
- Mind the gap: The difference between your income and spending is your greatest wealth-building tool
14. Final Thoughts: Retirement Is Not Age
Imagine waking up without an alarm clock, free to pursue what truly matters to you. That freedom isn't reserved for a lucky few—it's for anyone who dares to change the rules.
The conventional retirement model asks us to defer living until our bodies and minds have begun declining. But retirement isn't about reaching age 67—it's about building enough financial resources to live life on your terms.
Work for 50 years to enjoy 10? Or restructure your finances to enjoy all your years?
The choice is yours, but the math makes it clear: the traditional retirement age of 67 is a social convention, not a financial necessity. By rethinking retirement as a financial milestone rather than an age, you can design a life that brings freedom and purpose decades earlier.
Your future self—whether at age 40, 50, or 60—will thank you for making this mindset shift today.
As Warren Buffett wisely observed: "If you don't find a way to make money while you sleep, you will work until you die."
Don't let that be your story.
The best time to start your journey to financial independence was 20 years ago.
The second best time is today.
“Someone’s sitting in the shade today because someone planted a tree a long time ago.”
– Warren Buffett
No coincidence he did this on a friday with all the distractions going on
Puts...?
I'm thinking about it.
If the Dow starts off on next week with the way it ended today.....(especially if the auto tariffs kick in).....
....it will be the beginning of massive inflation for the new car market.....as well as massive layoffs for the US car makers.
The writing is on the wall. All those auto union members that voted for him are about to get exactly what they asked for.
....it will be the beginning of massive inflation for the new car market.....as well as massive layoffs for the US car makers.
The writing is on the wall. All those auto union members that voted for him are about to get exactly what they asked for.
Just saw that his lawyer is Pam Bondi's brother, what a shit show.
As the adage goes, it’s not who you know, but rather who knows you.
A lot of people have really benefited off of his reelection.
Im not so sure about retirement... not what its made out to be to me...jus my 2 cent...one of my good buddy that retired 2 years ago had been bored out of his mind, so he ended up picking up a job..not full time, but just to fill the void..he is loving it... hell my wife has been retired for 4 years... going nuts trying keep busy.. my neighbor the same way...so i dont look at retirement the same..
The rest of that X post
"God bless the DOGE team for trying to do what’s right for our children and grandchildren in the face of so much hatred."
definitely not biased
The post is biased but so is yours lol...the truth is in the middle.. power move by ElonThe rest of that X post
"God bless the DOGE team for trying to do what’s right for our children and grandchildren in the face of so much hatred."
definitely not biased
Anything I say can be backed up by facts. Twitter was not worth 40 bill when Elon was suckered into buying it, the company was not profitable then and since Elon took the company private we don't have access to it's financial records, and twitters reputation has fallen since then.
It doesn't matter what it was worth when he bought it...unless you are counting that mans pockets...it was purchased for the data it provided and now with grok and xai it's worth 113b combined. He won like always
The productivity is a byproduct from the Christian and slavery days. God said something about idle time being the work of the devil and it just stuck. Dispossession is also a religious throw back.
His plan is all in his book.
He truly wants to be the face of this Ai shit and get rid of gov’t regulation
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