Hard Times Superbook Book 1. Money Philosophy Guide: Respect it, Save it, Don't Buy Useless Stuff

It doesn't matter how great you are at work or how great your credit is when your whole industry goes way down. You lose your job, you're just another generic person without any idea of how to live independently of the system. Once you have no job and your house gets foreclosed on, you're a homeless bum. Who cares about credit when you need to eat right now to survive.

Either start on self-sufficiency things like growing your own food or learn new skills that can make you money no matter what like plumbing, carpentry, computer repair, etc.

People cause financial bubbles in order to make money then when the stock market, mortgage market, etc. collapse, they're laughing at all the pleebes they suckered in through the security gates of their big mansions. Get it through your head. Greed which is evil is alive and well everywhere.

I remember staying with my grandfather at the age of five out in the country. He had a well. You got water using a bucket. He used an outhouse. We had electricity, TV, lights, etc. by then but life was still basic in 1964. We had two channels on TV. There was not a big chance of getting massively brainwashed by consumerism because we didn't watch TV a lot.

They didn't miss what they didn't have not like today where we're bombarded with all kinds of consumer goods on TV all the time. All these ads and glittery TV shows create a demand among the weak people of our society so they buy a bunch of this junk looking for some kind of internal satisfaction or some kind of good feeling while putting themselves into massive debt.

I have very few material needs and no expensive indulgences. I spend a lot of time doing outdoor activities which cost almost nothing like swimming and hiking and I buy a bag of candy for a consumeristic thrill. I don't buy music CDs, video games, expensive clothes, skateboards, motorbikes, ATVs, etc.

The old folks always lived below their means and saved their money. If they needed something like a car, most people except for the wealthy bought a used car and paid cash for it.

What more can I possibly say? The pop group Queen's song I Want it All, I Want it Now was a commentary on greed, arrogance, materialism and a lost society.

If you want to protect yourself from the possibility of ever being homeless or unable to pay cash for a root canal, go to #332 at the library and educate yourself about money.

Always save your extra money. Don't buy frivolous things.

Learn something about investing and invest money with a long-established investment company that sells stocks, bonds, mutual funds or whatever you're into.

Watch American Greed if it's still on TV and see that all those investors trusted these con artists who presented themselves as honest bigshots looking to help the small guy so they could all make money but none of them was attached to a big company like Vanguard, Fidelity, Charles Schwab, etc.

If some guy is taking investment money for some scheme he claims he's got, you know the deal. Don't give anyone a penny unless it's a big investment company, preferably FDIC insured for money market accounts but stock investments aren't covered. That's a risk you take. If you can't handle risk, stay out of stocks. Buy government savings bonds.

I don't buy insurance but all the so-called experts say buy it. I don't own much and have no dependents so I don't need it. If I lose my material possessions, there is not much to replace.

Keep saving your money but do not put it all into one bank account. Drive across the border from the United States to Canada or Canada to the United States or electronically open a bank account in the other country then electronically deposit some of your savings there once or twice a year.

Hide some cash and/ or gold. All you need is a plastic bucket like an ice cream container then bury it in your yard in a safe place at least six inches under with a rock over it so a dog doesn't inadvert