Bachelor Pad Economics

1. Reject Societal Lies: Forge Your Own Path.

Not only are older generations incapable of providing wisdom, leadership and guidance to the younger generations, things have gotten so bad many of them (consciously and unconsciously) actually take advantage and parasite off of the youth.

Modern society is corrupted. The wisdom of past generations has been rejected, replaced by self-serving idealism that has decayed nearly every aspect of American life. Older generations, often unknowingly, exploit the youth through systems like Social Security, Medicare, and an education industry designed to extract wealth. This leaves young people leaderless, guideless, and adrift, confused about how to live and enjoy their lives.

Embrace personal philosophies. To navigate this, you must develop your own financial strategy based on three core philosophies: Finiteness, Time, and Happiness (utility). Realizing you are finite creates urgency to act on your dreams, fighting procrastination. Understanding everything is human time reveals the true value of labor and money, emphasizing the importance of high-value skills. Defining your own happiness, beyond material wealth, ensures your efforts align with what truly fulfills you.

The internet offers hope. While traditional sources of wisdom are compromised, the internet provides a vast, unorganized repository of rediscovered truths. Online "spheres" like the Manosphere offer insights into dating, education, and career that challenge conventional, often misleading, advice. This allows you to bypass corrupt gatekeepers and access reality-based knowledge, empowering you to make effective decisions for your life.

2. Master Your Finances: Budget, Minimize, and Eliminate Debt.

ALL FINANCIAL PROBLEMS come from people, companies and governments spending more than they make.

Spend less than you earn. This is the most basic, undeniable financial lesson. All financial problems stem from violating this simple rule. The challenge isn't mathematical, but psychological, as humans are predisposed to maximize consumption. To counteract this, implement a budget, not as a restrictive chore, but as a tool for self-control.

Embrace the Lazy Bachelor Budget. Instead of detailed tracking, adopt a philosophy of spending as little as possible. This approach:

• Saves time and reduces stress.
• Develops a preference for cheap living, eliminating the desire for unnecessary purchases.
• Frees up capital and time for more meaningful pursuits.
  This mindset ensures you never spend more than you make and fosters financial serenity, allowing you to prioritize experiences and relationships over material possessions.

Avoid debt at all costs. Debt is the cumulative sin of spending more than you earn and the root of nearly all financial problems. While society pressures you to borrow for cars, houses, and education, these are often self-imposed liabilities that enslave you. Question these societal demands:

• Cars: Depreciating assets, not investments.
• Consumer spending: Zero value after consumption.
• Housing: Often a liability due to taxes and maintenance, not true ownership.
• College: Many degrees are worthless, leading to crippling debt and underemployment.
  By rejecting these false demands, you dramatically reduce your financial needs, freeing yourself from the necessity of debt and the jobs you hate to pay for it.

3. Education as an Investment: Choose Wisely, Avoid Worthless Degrees.

It is an investment you make to increase the value of your time so you can charge more for it and thereby increase your income and wealth.

Education is an investment. The sole purpose of education is to increase your wage and wealth, not to provide a "college experience" or make you "well-rounded." Given the exorbitant cost of tuition and the time invested, your education must yield a positive return on investment. Anyone who claims "it isn't all about the money" is either ignorant or trying to scam you.

Beware the education industry. This $1 trillion industry is often a minefield, designed to extract money rather than genuinely educate. Teachers, counselors, and administrators frequently promote propaganda like "follow your heart" or "any degree is a good degree," leading students to pursue worthless degrees and crippling debt. Recognize this system for what it is: a for-profit entity that often prioritizes its own enrichment over student success.

Prioritize high-value degrees. Focus on fields that society demands and pays well for. STEM (Science, Technology, Engineering, Math) degrees are generally the most valuable because they create tangible economic value. Avoid liberal arts and humanities, which often lack practical application and can be learned for free. Consider alternatives like:

• Tech schools/community colleges for specific trades (welding, plumbing).
• Military training programs.
• Self-study and certifications (especially in IT).
  These options often provide better employment prospects and a higher return on investment than many traditional four-year degrees.

4. Strategic Career Navigation: Escape the Corporate Trap, Embrace Entrepreneurship.

Your success is not contingent on capabilities or skill, but rather your ability to be political, jump through hoops, walk on eggshells, and have near mystical powers to interpret the constantly changing desires of HR and management.

Corporate America is a trap. Most traditional jobs will spectacularly fail to meet your expectations, utilizing only a fraction of your potential. Employers, facing a surplus of educated and indebted applicants, demand conformity and petty obedience over skill or innovation. This environment is often toxic, leading to:

• Massive layoffs due to incompetent leadership.
• A focus on ass-kissing over performance.
• Progressive credentialism: demanding unnecessary advanced degrees.
• Sadism and abuse from power-tripping managers.
  This system is antithetical to self-respect and mental stimulation, making it a temporary stopgap at best for most men.

Embrace entrepreneurship for freedom. Self-employment offers freedom from authority, the ability to set your own terms, and the chance to pursue your passions. Categories include:

• Independent contractor (plumbers, truckers).
• Specialist (surgeons, computer networkers).
• Artist (writers, app developers).
• Business owner (capitalists with employees).
  While risky, entrepreneurship provides rapid decision-making, direct implementation of ideas, mobility, and significant tax write-offs, allowing you to kick ass instead of kissing it.

Consider government or military service. If entrepreneurship isn't for you, government work offers easier jobs, higher pay, and generous benefits (pensions, tuition reimbursement), though it comes with stagnation and often inferior colleagues. The military, despite its risks, provides:

• Avoidance of early-career poverty.
• Paid education and valuable real-world skills.
• A potential lifetime pension after 20 years.
  For young men, the military can be a strategic path to financial stability and skill development, especially when civilian opportunities are scarce.

5. Understand Women: The Economic Reality of Relationships.

Women like tall, strong, aloof, confident assholes who ignore them and treat them like shit.

Relationships are economics. The dynamic between men and women is best understood through supply and demand for sex, with attention as the currency. Your "Sexual Market Value" (SMV) determines your success. Women are biologically wired to seek men who can provide:

• Money and financial security.
• Brute strength and physical protection.
• Leadership, confidence, and a "badass" streak.
• Charm and intelligence.
  Invest in these traits to increase your SMV, as most men fail to put in the effort, creating an opportunity for you.

Beware of desperation. Flooding women with attention, regardless of your SMV, devalues your currency. Adopt "The Tao of Steve":

• Absolve all interest: Don't appear desperate; cultivate indifference.
• Excel in her presence: Showcase your skills and value.
• Retreat: Make your time and attention scarce to increase its value.
  This strategy leverages economic principles to make you more attractive and desirable, ensuring you don't waste your efforts on women who don't appreciate your value.

Feminism and government have corrupted women. Modern women are often damaged goods due to societal lies:

• "She can have it all": Leads to delayed marriage, career over family, and eventual regret.
• "She doesn't need a man": Denies biological programming, prioritizing career over relationships.
• "You're an independent woman": Fosters arrogance, often masking parasitic reliance on government or make-work jobs.
• "Big is beautiful": A campaign against traditional beauty, rationalizing laziness and disfiguring women.
• "Victimization": False claims of wage gaps and rape epidemics to secure funding and preferential treatment, making sex risky for men.
  These forces create women who are often narcissistic, entitled, and delusional, making quality relationships difficult and risky for men.

6. Smart Living: Optimize Housing, Transportation, and Self-Reliance.

When you rent, realize you are spending money on a service, not a product or a physical asset.

Rethink homeownership. While conventional wisdom promotes homeownership, it's often a liability, not an asset. Renting is usually cheaper for young, single individuals due to maintenance, property taxes, and insurance costs. Property taxes mean you never truly own your home; you merely rent it from the state, with unpredictable increases that can destroy its value (e.g., Detroit).

Strategic housing choices. Homeownership makes sense for specific reasons:

• Family: Kids need space and a yard.
• Love of town: If you're deeply attached to a specific community.
• Stable career: A long-term, enjoyable job in a stable location.
• Retirement HQ: A base for global adventures in your later years.
  Consider diverse options like condos, townhomes, or rental properties (if you can manage tenants effectively). For ultimate freedom, embrace minimalist living in an RV or mobile home, offering cheap, mobile housing and the potential to go off-grid.

Cars are for transportation, not status. Avoid the "status market" trap of luxury cars, which are expensive, depreciate rapidly, and fail to impress truly discerning women. Instead, follow these rules:

• Never buy a new car.
• Use your car for transportation only (small, fuel-efficient compacts).
• Buy cars you won't care about if damaged or stolen.
• Only get liability insurance.
• Do all required maintenance.
• Consider buying a good used car from far away.
• Keep your car clean.
• Always have two vehicles (one a truck for utility).
• Avoid hybrids; they're a luxury liberal status symbol.
  This approach saves significant money and stress, allowing you to invest in more meaningful pursuits.

Motorcycles are salvation. For men's innate desire for speed and performance, motorcycles are the answer. They are cheaper, more fuel-efficient, easier to maintain, and incredibly attractive to women. A motorcycle allows you to compete in the "status market" as a "bad boy" without the financial burden of a luxury car. Just remember to ride safely, wear protective gear, and take safety courses to avoid being a "dumbass."

7. Invest for Reality: Plan for a Broken Retirement System.

The largest oppressor in your life will likely not be the government, but rather your employer.

Retirement is no longer guaranteed. The traditional retirement system (pensions, Social Security, Medicare) is fundamentally flawed and underfunded by trillions. Pensions are unreliable, and Social Security/Medicare are mathematically unsustainable, especially for younger generations. This means you cannot rely on these promises and must plan for a system that will likely collapse or be significantly reduced.

Understand basic securities. Investing is crucial, but requires understanding the building blocks:

• Stocks: Fractional ownership in a company, driven by profits.
• Bonds: Loans to companies or governments, paying fixed interest.
• Commodities: Raw materials (gold, oil) whose value is based on supply and demand.
  Most investors use mutual funds (diversified portfolios), indexed funds (mimicking market performance cheaply), ETFs (cheaper indexed funds), REITs (real estate portfolios), and annuities (income insurance).

Beware the retirement bubble. Trillions of dollars from 401ks and IRAs have inflated the stock market, making it overvalued (high P/E ratios, low dividend yields). This means current investment returns are unlikely to sustain traditional retirement plans. Furthermore, "progressive credentialism" and student debt delay effective saving until later in life, shrinking your saving window from 47 years to potentially 25.

Develop a "Plan B" for retirement. Given the risks, your retirement plan must be based in reality:

• Work till you're dead: Even part-time work provides income and purpose.
• Spending control is the new investing: Minimalism and frugal living are more impactful than relying on market returns.
• Keep retirement amounts low: To avoid potential government confiscation (as seen in other countries).
• Fully avail matching: Free money from employers is the only guaranteed win.
• Diversify overseas: Consider foreign bank/brokerage accounts for asset protection.
• Physical assets: Own gold, silver, guns, and bullets as a hedge against economic collapse.
• The Smith and Wesson Retirement Plan: Consider euthanasia as a legitimate means to lessen end-of-life expenses and preserve youth.

8. Legal Preparedness: Protect Yourself in a Corrupt System.

Avoid it if you can.

Avoid the legal system. The legal system, while theoretically designed for justice, is often expensive, biased, and a self-serving racket for lawyers and politicians. It's a last resort, not a first line of defense. Lawyers can be costly, judges biased, and the system itself can be used to advance careers rather than justice.

Understand key legal areas. Despite the risks, you will likely need legal services:

• Bankruptcy: A declaration of inability to pay debts. Chapter 7 (liquidation, debt forgiveness) or Chapter 13 (debt restructuring). Shame is outdated; it's a tool to restart.
• Landlord-Tenant Law: Essential if renting or owning rental property; laws vary by location.
• Employment Law: Protect yourself from false accusations (especially sexual harassment) in a feminized, litigious workplace. Document everything, avoid office politics, and never date coworkers. Sue if you have a legitimate case, as companies have no loyalty.
• Criminal Law: Men are more prone to crime. Know your rights, how to interact with police, and have a criminal attorney on speed dial.
• Firearms Law: If you own guns, understand carry/conceal laws and have a lawyer specializing in self-defense cases.
• Business Law: Essential for entrepreneurs to form entities (LLC, S Corp), draft contracts, and navigate taxes.
• Intellectual Property Law: Protect new ideas (copyrights, trademarks, patents) from being stolen.
• Estate Planning: Prepare for death and incapacitation with a will and living will, designating power of attorney.

Choose your lawyer wisely. Most lawyers are lazy, talentless, and egotistical, viewing law as an easy career rather than a passion for justice. They often prioritize their ego and money over your best interests. Seek a "general practitioner" or "family lawyer" you trust, who can refer you to specialists. Research them thoroughly, looking for honesty and competence, not desperation. Be a good client by being organized, punctual, and clear to save money.

9. Economics: The Unbiased Truth to Navigate a Declining World.

Economics is the MANDATORY tool for any responsible citizen who cares about his country and the future.

Economics is about "stuff." It's not about money, but about a nation's ability to produce goods and services (wealth). Money is merely a tool of exchange. The true measure of an economy's health is its capacity to create "stuff" that improves people's lives.

Capitalism vs. Socialism. Capitalism, based on individual production and reward, is empirically superior to socialism, which advocates for redistribution. Socialism fails logically (removes work incentives), historically (leads to poverty and tyranny), and statistically (government growth correlates with economic decline). It erroneously believes the state is the engine of growth, while capitalism correctly identifies people as the ultimate source of wealth.

Key economic statistics reveal reality. To cut through political propaganda, study unbiased data:

• Gross Domestic Product (GDP): Total stuff produced. Real GDP (RGDP) adjusted for inflation, and RGDP per capita (per person) are key measures of living standards. Declining long-term growth rates signal fundamental problems.
• Labor/Employment Statistics: Unemployment rate (people who want to work but can't find jobs), labor force participation rate (percent of able-bodied people who want to work), and underemployment rate (U6) reveal the true state of the job market. Declining participation and high underemployment indicate a weakening economy.
• Inflation (CPI): Measures price increases. While low, stable inflation is desired, it erodes purchasing power and can distort economic perceptions.
• New Housing Starts: A leading indicator of future economic activity and employment.
• National Debt and Deficit: The annual deficit (spending exceeding income) accumulates into the national debt. Expressed as a percentage of GDP, these figures reveal the severity of government overspending and its long-term threat to the economy.
  These statistics, when viewed objectively, paint a clear picture of economic decline and unsustainable policies.

10. Family Decisions: The Ultimate Responsibility and Risk.

Raising a family is going to be the single largest responsibility in your life and you need to make damn sure you can do it effectively and do it right.

Family is the ultimate risk and reward. Your wife and children are the greatest potential source of happiness and misery. A failed family can destroy you emotionally and financially. Therefore, you must have your life in order—education, career, finances, and self-awareness—before considering marriage and children. You have a profound obligation to society and to the innocent lives you create to be a capable and prepared parent.

Consider the bachelor lifestyle. Remaining a perpetual bachelor offers maximum freedom, financial flexibility, and time to pursue personal interests and greatness. It allows you to avoid the financial burdens of children, the demands of a spouse, and the constant attrition of social circles that married life brings. Given the poor quality of modern women (corrupted by feminism and societal lies), marriage carries significant risks, making bachelorhood an increasingly attractive and rational choice for many men.

Wife selection is critical. If you choose marriage, be extremely discerning. Avoid women who:

• Trick men into marriage (guard your sperm).
• Are divorced or single mothers (you'll be ranked second).
• Have excessive tattoos/piercings (often indicates psychological issues).
• Are "born again" or newly religious (often manipulative and hypocritical).
• Have worthless degrees (financial burden, undeserved arrogance).
• Are incapable of orgasm or view lingerie as "degrading" (sexual and intimacy issues).
• Are liberal, leftist, or feminist (they actively vote against men).
• Insist on hyphenated names or have absent fathers.
  Seek women who are selfless, financially responsible, physically attractive, supportive, and genuinely desire to be a wife and mother. Court for a long time, cohabitate, and insist on absolute standards.

Fatherhood requires tough love and guidance. Children need both a father and a mother. Be a FATHER, not a castrated co-parent. This means:

• One parent stays home to raise the children.
• Providing financially, even if you hate your job.
• Dispensing tough fatherly love, discipline, and setting standards.
• Guiding and leading them, imparting your wisdom to prepare them for the real world.
  Your life is over once you have children; it must be dedicated to raising them. This commitment ensures they become functioning, mentally healthy adults, avoiding the pitfalls of a declining society.

Divorce preparedness is essential. With a 50% divorce rate, prepare for the worst:

• Prenuptial agreements: Protect your assets and establish ground rules.
• Stay married for the kids: If you have children, endure a bad marriage until they're grown to maintain a relationship with them.
• Choose your state wisely: Divorce laws vary significantly, impacting asset division, debt, and alimony.
• Plan your escape: Secretly stash cash and assets from day one of marriage.
• Control finances: Manage household money to prevent spiteful debt accumulation.
• Consult an attorney: Get legal advice before marriage to protect yourself.
  These cynical but realistic measures are crucial to mitigate the emotional, financial, and psychological devastation of divorce.

Last updated: August 23, 2025