Tuesday, November 12, 2024

Bust those Myths

He dispels some diabetes myths.


Myth: Eating sugar causes diabetes.


Fact: Eating sugar does not cause diabetes. When you eat carbohydrates – which include sugary foods and starches – they are digested into glucose (also called sugar). Glucose is the body’s primary energy source. Glucose levels in your body are regulated by hormones; insulin lowers glucose and glucagon raises it. Diabetes is caused by an impairment in insulin secretion and/or function.


Insulin allows glucose to travel from the blood into the cells, so the organs (mainly heart, skeletal muscle and fat cells) can use glucose for energy production. When the glucose isn’t processed properly, its levels rise outside and inside of cells, which can cause fatal damage to many vital organs over time.


There are two major forms of diabetes:


Type 1 diabetes is usually diagnosed in children and adolescents, though it can be found in adult patients too. It occurs when a person’s immune system attacks and kills the insulin-producing cells of the pancreas.

Type 2 diabetes is usually diagnosed later during adult life and has its roots in a condition known as insulin resistance. The pancreas makes insulin, but the organs do not respond to it normally. Initially, the pancreas works harder to produce more insulin in order to maintain normal glucose levels. Over time, the pancreas loses its ability to make more insulin and diabetes ensues. 


Myth: People have diabetes because they eat too much.


Fact: Yes and no. It’s complicated.


Type 1 diabetes is a disease related to the lack of insulin, not because of people eating too much. Type 2 diabetes has some roots in genetic factors resulting in insulin resistance and perhaps affecting insulin secretion. Type 2 diabetes is associated with being overweight or obese, as the latter affects insulin resistance. It also occurs more frequently in certain ethnicities, and has been linked to high cholesterol and high blood pressure.


Maintaining a normal weight by eating a healthy diet and staying physically active can greatly reduce a person’s risk for type 2 diabetes. That said, for people with either type 1 or type 2, healthy dietary choices and regular exercise can greatly help with diabetes control and reduce the need for insulin or other diabetes medications.


■A healthy diet is one that is rich in plant-based foods and lean meats, is low in saturated fats, and limits salt and sugar, especially regular sodas, juices, and other drinks that contain sugar.

■Get moving – aim for 30 minutes a day, five days a week (and/or 10,000 steps  day) – to maintain a healthy weight and to stay fit. Remember, building muscle means building the organ that burns glucose.


Myth: Diabetics can’t eat tasty foods.


Fact: It’s unrealistic and unfair to tell someone that they will never be able to eat tasty foods. The key is how much and how often we eat them. Understanding portion size is essential, along with choosing a variety of healthy foods. Nutritionists and diabetes educators are key members of the health care team to help people with diabetes use their diet to manage their blood glucose levels.


Myth: Fruit is healthy; you can eat as much as you want.


Fact: While it is true that fruit contains many healthy nutrients and fibers, it also contains sugar. Therefore, consumption of fruit should be limited in people with diabetes. That said, a whole fruit, particularly one rich in fibers, such as an apple, is still miles better than a processed apple, i.e. in apple sauce.


Myth: If you have diabetes, you need to take insulin shots.


Fact: For type 1 diabetes, insulin is essential and a life-saving medication, and is started at the time of diagnosis.


For people with type 2 diabetes, prescribing insulin is usually not the first step. It’s a progressive disease and the first lines of defense are diet and exercise, followed by a combination of a growing number of non-insulin medications. Over time, the pancreas may produce less insulin and non-insulin medications may not be enough to keep blood glucose levels normal. That’s when doctors consider adding insulin, though the type and dose of insulin must be carefully determined and adjusted. Also, people treated with insulin have a higher risk of weight gain, so those who use it need to take steps to take to avoid this. Again, a healthy diet and regular exercise reduce the need for insulin.


Myth: Diabetes during pregnancy will harm the baby.


Fact: Not if the diabetes is controlled. Some women develop diabetes while they are pregnant. Known as gestational diabetes, obstetricians screen to check the mom-to-be’s blood glucose levels. If it’s too high, it may raise the baby’s blood glucose level. In turn, the baby’s pancreas makes more insulin to reduce the blood glucose. After delivery, the infant is at risk from low glucose levels and may need more intensive monitoring and treatment.


Uncontrolled diabetes can be harmful to both mother and child. In early pregnancy, it elevates the risk of birth defects and miscarriage. Later in pregnancy, it raises the chance of large babies and complicated labor and delivery. Studies have shown that babies born to mothers with uncontrolled diabetes have a higher risk of diabetes later in life. Also, mothers who had gestational diabetes are much more likely to have it with future pregnancies and develop type 2 diabetes later in life. They need close follow-up with their physician after delivery to be sure the diabetes has resolved. They will also benefit from maintaining a healthy diet and staying physically active following the pregnancy.


Myth: People with diabetes will go blind, need dialysis (a lengthy procedure replacing kidney function), or need limb amputations.


Fact: While it is true that diabetes increases the risk of complications like eye, kidney, and nerve damage, effective treatments, i.e., close-to-normal glucose control, can avoid or at least greatly reduce these complications.


High glucose levels mainly damage the small blood vessels in eyes, kidneys and nerves.


■Eyes: People with diabetes are at a higher risk for vision problems, in particular retinopathy (damage to the cells in the back of the eye that sense light), but also glaucoma (elevated pressure in the eye) and cataracts (degeneration of the lens). It is important to see an eye doctor and take preventive steps to avoid vision problems. Advanced testing allows for early detection and treatment of retinopathy, but also glaucoma and cataracts, if or before it impairs vision.

■Kidneys: Kidney damage, or nephropathy, relates to the impaired filtration function of the kidneys, leading to protein in the urine and ultimately complete loss of kidney function and thus, the need for dialysis. Kidney damage also increases blood pressure. Therefore, people with diabetes should routinely monitor their blood pressure.

■Nerves: Damage to the nerves, a condition called neuropathy, is common in patients with uncontrolled diabetes. Neuropathy may lead to painful, burning/tingling sensations, in particular in the feet. It can also cause numbness and thus, skin injuries to the feet. Since they don’t hurt, wounds can go undetected and infection can occur. Left untreated, deep wounds develop, which can include the bones. Diabetic patients with nerve damage should pay close attention to their feet with daily inspections and good hygiene and they should wear comfortable shoes. Unfortunately, neuropathy is the leading cause of non-traumatic amputations in the U.S., which makes effective preventive measures so very important.


 A living cell is in continuous flux and exchange with the environment as its metabolism provides cells with energy required to carry out their functions. 

Brain cells communicate with each other through action potentials (electrical events) and neurotransmitters (chemical events).

 The brain’s constant chemical remodeling from one moment to the next implies that there is no distinction between hardware and software.

 The structure and function of the brain are identical with its physiological changes over time.

When the brain cells undergo cellular dehydration over time, it will kick in the over-production of blood sugar for energy in the body, in turn , produce signs and symptoms of diabetes . Some of the symptoms of type 1 diabetes and type 2 diabetes are feeling more thirsty than usual. Urinating often. Losing weight without trying. 

In short , diabetes is the brain is drying up and crying for H²O , water 💧. 

●•You are not sick, it's your body crying for water.

 Type-2 diabetes used to be known as adult-onset diabetes, but both type-1 ( due to genetic inheritance) and type -2 diabetes ( due to lifestyle such as eating and drinking dehydrating agents such as alcohol, coke, etc ) can begin during childhood and adulthood.

diabetes is the brain is drying up

 A living cell is in continuous flux and exchange with the environment as its metabolism provides cells with energy required to carry out their functions. 


Brain cells communicate with each other through action potentials (electrical events) and neurotransmitters (chemical events).


 The brain’s constant chemical remodeling from one moment to the next implies that there is no distinction between hardware and software.


 The structure and function of the brain are identical with its physiological changes over time.


When the  brain cells undergo cellular dehydration over time, it will kick in  the over-production of blood sugar for energy in the body, in turn , produce signs and symptoms of diabetes . Some of the symptoms of type 1 diabetes and type 2 diabetes are feeling more thirsty than usual. Urinating often. Losing weight without trying. 


In short , diabetes is the brain is drying up and crying for H²O , water 💧. 


●•You are not sick, it's your body crying for water.

 Type-2 diabetes used to be known as adult-onset diabetes, but both type-1 ( due to genetic inheritance) and type -2  diabetes ( due to lifestyle such as eating  and drinking dehydrating agents such as  alcohol, coke,   etc ) can begin during childhood and adulthood.


Review earlier posts here 


 活细胞处于不断的变化和与环境的交换中,因为它的新陈代谢为细胞提供执行其功能所需的能量。



脑细胞通过动作电位(电事件)和神经递质(化学事件)相互交流。



大脑从一刻到下一刻的不断化学重塑意味着硬件和软件之间没有区别。



大脑的结构和功能与其随时间变化的生理变化相同。


当脑细胞随着时间的推移而发生细胞脱水时,它将启动过量生产血糖来为身体提供能量,进而产生糖尿病的体征和症状。1型糖尿病和2型糖尿病的一些症状是感觉比平时更口渴。经常小便。不知不觉就减肥了。



简而言之,糖尿病就是大脑干涸并渴望H²O,水💧。



●•你没有生病,是你的身体在渴望水。



 2 型糖尿病曾被称为成人发病型糖尿病,但 1 型糖尿病(由于遗传)和 2 型糖尿病(由于生活方式,如饮食和饮用脱水剂,如酒精、可乐等)都可能在儿童期和成年期开始。


在此处查看早期帖子


French / Français

Une cellule vivante est en flux et échange continu avec l'environnement, car son métabolisme fournit aux cellules l'énergie nécessaire pour remplir leurs fonctions.


Les cellules cérébrales communiquent entre elles par le biais de potentiels d'action (événements électriques) et de neurotransmetteurs (événements chimiques).


Le remodelage chimique constant du cerveau d'un moment à l'autre implique qu'il n'y a pas de distinction entre le matériel et le logiciel.


La structure et la fonction du cerveau sont identiques à ses changements physiologiques au fil du temps.


Lorsque les cellules cérébrales subissent une déshydratation cellulaire au fil du temps, cela déclenche une surproduction de sucre sanguin pour l'énergie dans le corps, ce qui produit à son tour des signes et des symptômes du diabète. Certains des symptômes du diabète de type 1 et du diabète de type 2 sont une sensation de soif plus importante que d'habitude. Uriner souvent. Perdre du poids sans effort.


En bref, le diabète est le fait que le cerveau s'assèche et réclame de l'H²O, de l'eau 💧.


●•Vous n'êtes pas malade, c'est votre corps qui réclame de l'eau.


 Le diabète de type 2 était autrefois appelé diabète de l'adulte, mais le diabète de type 1 (en raison de l'hérédité génétique) et le diabète de type 2 (en raison du mode de vie, comme la consommation d'alcool et de coca, etc.) peuvent tous deux apparaître pendant l'enfance et l'âge adulte.


Revoir les articles précédents ici


German  / Deutsch

Eine lebende Zelle befindet sich in ständigem Fluss und Austausch mit der Umwelt, da ihr Stoffwechsel die Zellen mit der Energie versorgt, die sie zur Ausführung ihrer Funktionen benötigen.


Gehirnzellen kommunizieren miteinander über Aktionspotentiale (elektrische Ereignisse) und Neurotransmitter (chemische Ereignisse).


Die ständige chemische Umgestaltung des Gehirns von einem Moment zum nächsten bedeutet, dass es keinen Unterschied zwischen Hardware und Software gibt.


Struktur und Funktion des Gehirns sind identisch mit seinen physiologischen Veränderungen im Laufe der Zeit.


Wenn die Gehirnzellen im Laufe der Zeit eine zelluläre Dehydrierung erfahren, führt dies zu einer Überproduktion von Blutzucker zur Energiegewinnung im Körper, was wiederum Anzeichen und Symptome von Diabetes hervorruft. Einige der Symptome von Typ-1-Diabetes und Typ-2-Diabetes sind stärkerer Durst als sonst. Häufiger Harndrang. Abnehmen ohne Anstrengung.


Kurz gesagt, bei Diabetes trocknet das Gehirn aus und schreit nach H²O, Wasser 💧.


 ●•Sie sind nicht krank, Ihr Körper schreit nach Wasser.


Typ-2-Diabetes war früher als Altersdiabetes bekannt, aber sowohl Typ-1-Diabetes (aufgrund genetischer Veranlagung) als auch Typ-2-Diabetes (aufgrund des Lebensstils, z. B. durch Essen und Trinken von dehydrierenden Substanzen wie Alkohol, Cola usw.) können im Kindes- und Erwachsenenalter beginnen.


Lesen Sie hier frühere Beiträge


Korean / 한국인 hangug-in

살아있는 세포는 대사가 세포에 기능을 수행하는 데 필요한 에너지를 공급함에 따라 환경과 끊임없이 변화하고 교환합니다.


뇌 세포는 활동 전위(전기적 사건)와 신경 전달 물질(화학적 사건)을 통해 서로 소통합니다.


뇌의 끊임없는 화학적 리모델링은 하드웨어와 소프트웨어의 구별이 없음을 의미합니다.


뇌의 구조와 기능은 시간이 지남에 따라 생리적 변화와 동일합니다.


뇌 세포가 시간이 지남에 따라 세포 탈수를 겪으면 신체에서 에너지를 위해 혈당을 과도하게 생산하여 당뇨병의 징후와 증상이 나타납니다. 1형 당뇨병과 2형 당뇨병의 일부 증상은 평소보다 더 목마르다는 느낌입니다. 자주 소변을 봅니다. 노력하지 않고도 체중이 감소합니다.


간단히 말해서 당뇨병은 뇌가 말라서 H²O, 물 💧을 요구하는 것입니다.


●• 당신은 아픈 것이 아니라 몸이 물을 요구하고 있는 것입니다.


 2형 당뇨병은 성인 발병 당뇨병으로 알려져 있었지만, 1형(유전적 상속으로 인해)과 2형 당뇨병(알코올, 콜라 등 탈수제 섭취와 같은 생활 방식으로 인해)은 모두 어린 시절과 성인기에 시작될 수 있습니다.


이전 게시물을 여기에서 검토하세요.



Time Sense

Sense of Time

Artificial Intelligence

A Question of Time: Why AI Will Never Be Conscious

A computer with AI cannot replicate the dynamics of a conscious brain.




Key points

● Some scientists and philosophers have the opinion that artificial intelligence could one day become conscious.

● A computer remains the same physical structure from one moment to the next.

● A living organism, in contrast, is never the same entity from one moment to the next.

“The brain is never the same from one moment to the next throughout life. Never ever.”~ Alvaro Pascual-Leone


Some philosophers and scientists are of the opinion that artificial intelligence could one day become conscious. We have seen how this idea has been used in science fiction, such as in Philip K. Dick’s novel Do Androids Dream of Electric Sheep?, which was masterfully transformed into the movie Blade Runner. The simple argument you often hear or read is that if the brain, as a biological machine, can be conscious, any other machine, if it is complex enough, can be conscious. That is, if the computer on which I am typing right now were more advanced, then it would be able to have a first-person perspective of what it is like to be a computer. Complexity here means that my computer would have to have a larger number of elements, with structures and processes that are strongly interrelated.

[ Beware and let not con fuse and use you , or get confuse with the complicated  profound truth, else you be confused by the cons. ] CONfuse 😕


Equating the brain with a computer because both have been referred to as machines is an erroneous assumption. You can easily label two different objects with the same word: “machine.” That does not change the fact that the brain and a metal-containing machine are two very different entities. Computers operate based on the flow of electricity through their components. But the components themselves always stay the same. In principle, you could shut down a computer and store it in a dust-free environment. A hundred years later you could switch it on again and it could continue processing data. Federico Faggin, one of the pioneers of microprocessor development from the 1960s onwards, in his book Irreducible, makes the distinction between the biological brain and a computer’s processing modules clear:


A living organism is never the same physical and psychological entity from one instant to the next. The computer hardware, on the other hand, remains the same physical structure from the moment it leaves the factory until it stops working or is discarded.


For this esteemed computer pioneer, artificial intelligence can never be conscious. In a computer, we can make the distinction between hardware (my PC), which is fixed and separate from software, the word processer I am using right now. In organisms such a distinction does not exist. A living cell is in continuous flux and exchange with the environment as its metabolism provides cells with energy required to carry out their functions. Brain cells communicate with each other through action potentials (electrical events) and neurotransmitters (chemical events). The brain’s constant chemical remodeling from one moment to the next implies that there is no distinction between hardware and software. The structure and function of the brain are identical with its physiological changes over time.


Time is the nature of all existence, including the sentient self: Time does not pass outside of us; we are time. We are inseparably part of the world with its temporality.

This dynamic aspect of life is what prevents computers and robots from ever becoming conscious. Artificial intelligence will never feel what it is like to answer questions we as humans ask or feel what it is like to play chess with us. A computer is not part of dynamic nature; it is an object created by man. In an earlier blog, I wrote about how living beings are fundamentally dynamic. With every breath and with every heartbeat we transport molecules through our body, which is a dynamic system that exchanges energy and matter with the environment. Moreover, consciousness by necessity builds upon this dynamism. But most theories of consciousness don’t take this into account. Every moment we consciously feel is extended in time, describable as a continuous flow of events in the experienced moment of our embodied existence. In my blog about why most neuroscientific theories of consciousness are wrong, which is based on a scientific article I wrote with Lachlan Kent, I expanded on these necessary temporal properties of consciousness. For example, my feeling of thirst and the subsequent relief when drinking iced water is not an instantaneous event but in its dynamics lasts a considerable time. As long as we live we are part of the flow of events in the world we inhabit. Physical time as change and becoming is mirrored by physiological time and is in turn reflected by the conscious experience of constant transition, as felt passage of time. Consciousness as we know it is embedded in the principles of life, which are dynamic states of becoming. We as humans are part of nature. That is what binds the time of physics with the time of biology and with conscious time.


References


Faggin, F. (2024). Irreducible. Consciousness, Life, Computers, and Human Nature. Winchester, UK: Essentia.


Kent, L., & Wittmann, M. (2021). Time consciousness: the missing link in theories of consciousness. Neuroscience of Consciousness, 2021(2), niab011.



Floating Happily Without a Sense of Time or Self

Altered states of consciousness are characterized by changes in the senses of self and time.


Memory

How to Make a Lifetime Seem Longer and More Fulfilling

Novel and emotional experiences expand subjective duration in retrospect.


Neuroscience

Time Consciousness Explained

The insula is the primary area in the brain to receive signals from the body.


Philosophy

Time and Existence: How Artists Try to Grasp the Ineffable

The Greek word chronos covers the aspect of time that refers to duration and the expiration of human time.

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Artificial Intelligence

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Generalized Anxiety Disorder Test

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The Perfectionism Trap

When we fall prey to perfectionism, we think we’re honorably aspiring to be our very best, but often we’re really just setting ourselves up for failure, as perfection is impossible and its pursuit inevitably backfires.



Monday, November 11, 2024

W. W. Lenzo Posts

 Lenzo questions and answers : 

How did you achieve financial independence? (What is YOUR story, not a generic guide)

* * * * *

I am 61 years old and 

have been retired for 28 

years.I started work at 

30 years of age — and I 

had a very basic 

retirement at 33.


In this answer I will give 

you my personal story 

and teach you how

to “think across time” 

about money and how to 

construct your own 

financial projection 

spreadsheet.


To do these projections,                          you need nothing but a                  calculator and some                          paper.

Don’t use Quicken,                                  Excel, or Lotus.

DO IT BY HAND—so you              are 100% sure that you                              are 100% sure that you                              are 100% sure — that                                you know how this                                works. It’s not rocket                          science. (Lenzo has PhD                              in Quantum Physics,                        Stanford University 1990)


I started in Japan as a          senior scientist for a big                  industrial firm in June                          1991.

I began earning US$3K                          over-&-above my rent                              every month. I arrived in                      Japan with $15K in                               recent credit card debt              (suits, shoes, rent in CA,                        some travel).

BIG QUESTION: How fast                      could I pay this down?                            Credit-card debt is stupid.

For my first 6 months, I                          lived like a student and                          killed the credit cards.                          During this time, I began                            to learn the ropes of                            living-well in one of the                      world’s most expensive    countries without                    hemorrhaging money                continuously.

By Nov 1991 I was debt-                        free. I went a little crazy                              in December — but                              quickly returned to                                saving with a                          determination. I got a                            raise to US$3.5K over-&-                      above my rent. 

Here is a record of what                happened, slightly                            simplified — starting                              from (essentially) zero                            net worth on January1st,            1992 (the start of my 8th                  month in Japan).


SAVINGS YEAR ONE:

I continued to live like a 

student. I got pretty good 

at saving so that every 

month I mailed home $3K 

and I bought stock with 

that. Here is a spread-

sheet very similar to the 

one which I used to 

predict ahead-of-time 

where my savings would 

be at any given time in 

1992. The monthly 

interest is calculated at 

0.75% of the previous 

month’s nestegg. That 

sums to 9% annually — 

the 100 year average of 

the US stock market.


In point of fact, my actual 

savings /earnings very 

very closely approximated 

the values in this table:







Nestegg

Nestegg

Jan    3.00                                                    Feb    6.02                                                    Mar    9.07                                                    Apr   12.18                                                May  15.27                                                June 18.38                                              July   21.52                                              Aug   24.68                                                Sep   27.87                                                Oct    31.08                                              Nov  34.31                                                Dec  37.57


SAVINGS YEAR TWO:

I continued to live like a              student. I got a fat raise            somewhere along the line                plus the yen appreciated                  against the dollar — so                          that every month I was                            now mailing home $4K                            and buying stock with                            that. Here’s my progress:








              Nestegg                                                           Jan  41.85                                                       Feb  46.16                                                       Mar  50.51                                                       Apr   54.89                                                     May  59.30                                                    June 63.74                                                       July  68.22                                                     Aug  72.73                                                       Sep  77.28                                                       Oct   81.86                                                      Nov  86.47                                                      Dec  91.11 

As you might imagine,                              living in Japan can be               ***stressful*** for a                    westerner. By my 24th                        month I began to have               difficultiesI am not                             joking about this — I had                  eczema on both cheeks;                              I had become a regular                      drinker; I was sleeping                        poorly. My self-diagnosis:          depression. And so, I                            made arrangements to                        leave Japan. At that                              point my nestegg was                         $65K.

The company, wanting to                        keep me, offered me yet                  another raise if I would                    stay on longer. So, I ran                            the spreadsheet forward                            to see what might be                        possible — and realized                    that my nestegg would                          cross a threshold at end                            of my 37th month in                            Japan.

Upon achieving $125,000 

I would be able to 

withdraw $1000-plus 

every month, for life. My 

relationship to “the plow-

share” would be forever 

changed.


SAVINGS YEAR THREE:

The decision to stay in 

Japan a 3rd year was 

thus a calculated gamble 

— I was gambling my 

short-term health 

against 

long-term retirement

My depression lifted.


I continued to live like a            student. (Are you getting                          the idea yet??) The raise                      helped and by this point                              I was an absolute pro at                        living frugally. I put away          $5K/month. Here’s what              happened:


Nestegg 

Jan    96.79                                                  Feb  102.52                                                Mar  108.24                                              Apr   114.05                                              May  119.91                                            June 125.81

That’s going from zero to 

a “basic retirement” in 

30 months.


Summary:

Obviously, while I was in 

Japan there were 

variations in how much 

money I sent home each 

month. Also the jumps 

from $3–4–5K per month 

were actually gradual. 

Nonetheless, these 

tables are a very good 

approximation of what 

what I actually saved.


Converting to 2019                            dollars:

When you convert 

$125,000 1994 dollars to 

2019 dollars you get 

$200,000 — which is 

exactly the minimum 

necessary to retire as I’ve 

explained elsewhere.


Now that you are retired, 

how do you project the 

draw-down of your 

nestegg?? 🪹 or 🪺 


As I’ve noted here, you                              can live on rather more                            than the interest which                      comes in. How to do a                    financial projection of                            this?

You just create another 

spreadsheet. Start with a 

full nestegg in row-1 and 

drawn down $1500 each 

month (or whatever your 

living expenses might be). 

Just add a 4th column to 

the spreadsheet with this 

minus-figure. Then 

advance the table 

forwards one line for 

every month.


Be aware that your living 

expenses will go up 

slightly each year due to 

inflation (around 2%). 

That figures in trivially 

when $1500 monthly 

draw-down changes to 

$1530 in the second year.


SHAZAM!!


Read my other posts on 

early retirement:

w.w. Lenzo's answer to What don’t they tell you about retiring early? 


What don’t they tell you                        about retiring early?

First off, who am I?

I am 63 years old and                              have been retired for 30                        years. I own a home on a                      lake. I travel several                            months each year. I                          adopted-&-raised 5 kids                      during this time who are                      happy integrated                              members of society. I                            have two grandkids.


* * *


What nobody tells you is 

that your (non-medical*) 

cost-of-living, based on 

what is necessary, 

actually goes down, 

substantially.


*If you are a US citizen, 

be sure to examine your 

options — the more you 

can think laterally, the 

more options you have. 

Consider $5K-or-larger 

deductible plans (these 

are often called “major-

medical”). And for non-

emergencies, remember 

the world is your mall for

 medical/dental/optical. 

Actually look at the 

numbers: you will find 

that US medical pricing 

is unsane & rapacious.


You don’t need to dry 

clean your office wear. 

You no longer have any 

need to impress anybody.


You’re not in such a hurry 

that you eat in 

restaurants out of 

convenience.


Cooking becomes a                        pleasure.


Shopping in the markets 

(not on Saturdays                          anymore!) becomes a                     pleasure. You’re not in a                      hurry, so you can actually                      look at prices & make                          better decisions.


You don’t need to keep & 

maintain a super-reliable 

automobile. You can do 

your own oil changes — 

yes, even you ladies.


You start fixing things 

yourself. It’s no longer 

necessary to call 

plumbers or electricians. 

All the info you need is 

on the web.


Lastly, when you work on 

your monthly budget you 

no longer are setting 

money aside for 

retirement. Obviously. 

Mostly you now budget 

your time between 

friends and hobbies.


Your sense of Time -vs-                      Money completely                      rebalances!


And what could be better 

to offer your children 

(and grandchildren) than 

ooodles and ooodles of 

time?? Sunsets, BBQ,                            campfires, you name it!


And lastly, please note 

that your entertainment 

costs can fall 

dramatically. Instead of 

being a passive 

consumer, You now have 

the time to create!!


Here’s a dock I built last                    summer (doubles as a                            patio on water):

And the lamp I built to go                          on that post (34                          independent pieces of                          wood + glass & electrical                      bits):

And custom-shaped 

home-made cushions 

for that loveseat over 

the water:


Or a 12′x5′ family-sized 

bed-swing with home-

made cushions & pillows:


Or a maple floor, each 

piece cut by hand, entirely 

glued together, three 

months in creation:


And doing my own                              butcher-block counter-                            tops:

And my latest projects, a 

cantilevered butcher-

block cedar Sunset Bar:


And 300 hand-cut pieces 

of maple for a parquet 

floor in my sunroom:


Read my other posts on 

early retirement:

What was the key to your                       early retirement?

How much do you really                         need to retire?

What is your best Financial Independence Retire Early strategy and How long till you can FIRE from the start of the plan?

How did you become                    financially independent?

Why should someone delay receiving Social Security retirement benefits and why would they want to do this?

Why don't more people try to achieve FIRE (Financial Independence and Early Retirement)?

Dow Jones Index barely moved between 1999 and 2005. How does a period like that impact the 0.75% withdrawal plan?

How do you pick the 20 stocks in your retirement plan?

Readers comments:

Wow, thank you for                             sharing that.


How did u end up retiring                          just a touch over 30 years                        old?

Stunning wood art!


Bravo, Seval, bravo!


Exactly! More time to                    “McGyver-ize”, and enjoy                            the process of DIY at                                your own pace.

W.W. Lenzo, you sure put                          your creative mind to                              work! Your flooring is                  BEAUTIFUL!


I also retired early and am                spending my time                              bonding with my dog and              competing in dog sports.                          As they say, “do what you                        love; love what you do!”


Never bored. I have a                            dozen intense hobbies ~

Poetry. Woodworking. 

Bridge. Chess. 

Spearfishing. Kayaking. 

Juggling. Fitness. 

Grandkids. Politics. Go. 

Cooking.


And a dozen or so more 

that are less-intense.


w.w. Lenzo's answer to 

For those who chose to 

retire early, how did you 

decide you were ready?

w.w. Lenzo's answer to                            How much money is                          enough to retire on?

w.w. Lenzo's answer to  

What is your best 

Financial Independence 

Retire Early strategy and 

How long till you can 

FIRE from the start of the 

plan?

w.w. Lenzo's answer to                            Why should someone                              delay receiving Social                        Security retirement                            benefits and why would                          they want to do this?

w.w. Lenzo's answer to                            Why don't more people                              try to achieve FIRE                        (Financial Independence                        and Early Retirement)?

w.w. Lenzo's answer to 

Dow Jones Index barely 

moved between 1999 

and 2005. How does a 

period like that impact 

the 0.75% withdrawal 

plan?


w.w. Lenzo's answer to                        What kind of stock to buy                        for retirement saving?

* * * * *