Tag: Systems Thinking

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Finance Preparedness

Day 608 and What Timeline

I’ve been obsessed with a movie called Margin Call this summer. If you haven’t seen it, well it’s on Netflix, and it’s an exceptional piece of cinema with a top notch cast reflecting on why finance is so prone to boom and busts. It’s a great office drama even if you have no interest in banking. And it’s only an hour and forty odd minutes w two key Pete Davidson SNL skit criteria. It is both Tucci Gang and a Short Ass Movie.

One of the clincher scenes is Jeremy Irons explaining his job as the bank’s CEO to Zachary Quinto the young rocket scientist turned risk analyst.

I’m here for one reason and one reason alone. I’m here to guess what the music might do a week, a month, a year from now. That’s it. Nothing more. And standing here tonight, I’m afraid that I don’t hear; a; thing. Just — silence

Margin Call

I found this particular scene rather riveting as it reflects both the seeming ease and intense dangers of being in charge. Your entire job boils down to making a few big calls exactly right over a time horizon your average working stiff doesn’t even have the luxury to consider.

I’ve been considering my own preferred time frame on which to make decisions. I’m no Jeremy Irons. I don’t make exceptional calls on what will happen in a few months. I do however have quite a nose for what will unfold over much longer time horizons. I’d trust myself to make the right call over a decade. I scan the horizons.

Which if you are following along with some of my life choices should be modestly unsettling. I moved to Montana to a rural homestead. I invest in early stage startups that fit my chaotic thesis. I am comfortable being labeled a doomer and a prepper because catastrophic emergencies are in inevitability in complex systems.

And it’s hard to imagine a time when complex systems like climate change, geopolitics and macroeconomic trading pressure held more sway than now. Like Jeremy Iron’s character I am listening for the music. And my ear is trained on the silence coming down the pike.

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Preparedness

Day 605 and Inventory

I like to be prepared. It’s my personal opinion that this winter is going to be a bit rough. There is no single issue but rather a patchwork of intersecting crisis points that make me a little edgy.

You’ve got crop yields all over the place from another wild climate change year. You’ve got the rising costs of fertilizers. You’ve got an energy crisis brought on by the war Russia is waging against Ukraine. You’ve got whatever China is up to with its Covid policies. And then of course you’ve got our lingering economic fuckery and well you can see why I’m worried.

I went through our emergency food stores today and did some turnover and replenishment. We didn’t opt to move some things with us to Montana (some items had expiration dates necessitating donation) so it’s been on my to do list.

I’ve got a spreadsheet that includes fats, starches, sweeteners and less glamorous proteins like beans and canned fish. It theoretically calculates our our caloric needs and what is provided for in our supplies so we can more easily assess if we have enough on hand for different scenarios. In reality, I’ve never actually had full inputs clean enough to generate an output I trust. So I kind of wing it with this basic level of precision.

I’ve tried to abide by basic best practices for emergencies. Ready.gov is a surprisingly decent resource even if it might shock you what you should have in hand. You need supplies for a three day disaster like a snowstorm or hurricane. You need three weeks of supplies for an interruption that takes a bit of resolve. And you ideally three months of food on hand if something goes really wrong. The Mormon Church says you should keep a year of food on hand.

I don’t think we’ve quite got a year of food on hand but I have taken a lot of tips from the LDS suggestions for food storage. We’ve got pounds of wheat (and a hand crank grinder). We’ve got 25lbs sacks of rice. We’ve got big jugs of cooking oils. We’ve got sugars. We’ve got spices. I’ve got quite the collection of dried legumes.

I feel like I basically have what is necessary for a bad winter in Montana. I hope we’ve got enough for any supply chain constraints that might make it harder to get things to our modestly more rural homestead. But in truth I’m just following lists and hoping if something happens I didn’t fuck up too badly. And I’d we did well we’ve got shotguns and ammunition and the local deer are a little too cavalier about their safety. For now.

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Preparedness

Day 578 and Tactical Errors

I’ve moved somewhere in the area of forty times over my life. And you’d think this would make me excellent at it. But no matter how careful your planning, the execution will be filled with tactical errors. It’s the nature of the beast and you’ve just got to roll with it.

The first and most crucial tactical error we made was not buying backup air conditioning and fans. We’ve never lived in a house that was entirely without air conditioning. Apartments have been either small enough for a window unit or had central air. The town house has installed mini splits. But Montana has not traditionally required central air or mini-splits.

We arrived on the hottest day of the year. The upright air conditioner we bought simply died within five minutes of unboxing. We had multiple fans but those 2 fans are only enough to help with one room if it’s large. And of course, buying fans or air conditioning in a heatwave in a smaller town is impossible. So we are a bit stuck with it until they can arrive on Wednesday from Amazon.

Most of the other tactical errors are similarly environmental. Moving boxes are dusty. There is dust everywhere from everything including books, outerwear, crap you didn’t realize you were lax on cleaning regularly. We’ve got two air filters running full steam and my eyes are red and puffy despite that. I’ve got hives on my eyelids. Finding the appropriate antihistamines and attempting to fight the dust is a losing battle that nevertheless must be fought.

I am confident we will find plenty of other ways in which we’ve fucked up the basic tactics of the move. That it’s mostly dust and heat is a bit of a blessing in some ways. Murphy’s Law is strongly enforced during times of routine disruption.

What can go wrong will go wrong.

Moving is inherently a process of fighting entropy. A new place and a new house are ways humans fight against the decay of our lives. It is a losing battle. Physics is pretty clear on that one. But we fight on as overcoming tactical errors is just part of living.

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Politics

Day 575 and Harm’s Way

I got put in a hotel room for the final days of packing up our Colorado townhouse. I’m useless at lifting heavy things right now. I find this to be vaguely insulting as I used to be an avid power lifter.

But I can’t dispute that the high cost of my energy makes it uneconomic to involve me in physical labor. My family and friends reasonably want to keep me out of harm’s way. My role in our groups is to be Tom Sawyer not the paint brush brigade. Or if you prefer a story with less moral grey area, I am the mouse Frederick from Leo Leoni’s classic tale about story tellers and community. I scan the horizon and organize people. It’s probably the original professional path for the disabled. We’d have gone instinct in a Darwinian view of simple capacity and yet here we remain.

I’ve been giving a lot of thought to mitigation of tail risks recently as the person tasked with keeping our group out of harm’s way. The average prepper isn’t much more convinced that the world is ending than your average person. We simply think that probability being what it is, it is worth doing some work to stay out of harm’s way if you can. Complicated worlds have complicated risk profiles. Buying insurance is just doing the math.

Not everyone is convinced that moving to Montana is staying out of harm’s way. A marketing executive and Vice contributor recently wrote a viral essay about how people like him (and me) are walking into some kind of a Trumpian civil war. I am skeptical of this position having been raised in the mountain west that things are quite so dire in Montana. It’s not Idaho.

But I agree with the basic gist that culture wars are getting hot. But I’m also a native of the West and deserve to be there as much as anyone. I code just as much right wing as I do left wing. My plans are to integrate back into country living. I am all for good neighbors and church and building sustainable communities. But I am also virulently anti-MAGA as populism tends to go badly for diverse populations. And I believe the only way we keep anyone out of harm’s way is by simply resisting simple narratives and taking sides.

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Preparedness

Day 569 and Scarcity

There are a number of memes that have taken off in the last few years related to food scarcity as a mechanism for elite control Coverage of climate change and the need for change in agribusiness has been covered extensively in mainstream media so it’s no surprise there is backlash.

I Will Not Eat The Bugs is one of the originating memes in the wider World Economic Forum conspiracy universe along with “You Will Own Nothing” Great Reset discourse. It’s a rich memespace and one that every doomer should be watching closely. Twitter went nuts when a cultural review of cannibalism in literature and tv got posted by the New York Times.

Unfortunately the memes were a harbinger of the fundamental challenges of moving towards greener policies through dictate. Especially when you do poor planning that doesn’t account for transition times and significantly lower yields. Sri Lanka’s attempt to go cold turkey on industrial fertilizer turned disastrous.

With the war in Ukraine grinding on, the world is slowly realizing that chemical fertilizers and cheap grain are in danger of being in short supply. Commodity watchers reminded us that China stopped exporting key fertilizer components last year.

It’s not that Americans haven’t noticed the higher costs of food before. The inflation issues plaguing the country are often framed in terms of simple costs like eggs, milk and chicken. Doomberg sounded the alarm in January that we would see a significant food crisis. But there is a new urgency around scarcity that is exploding into the spotlight. My favorite preparedness website Unprepared published a whole guide to dealing with the coming food crisis.

I personally don’t know what will convince people that we are in for much higher prices and harder times. A lot of cascading factors are converging. But I think it’s wise to keep a close eye on scarcity discourse. If you want to keep ahead read things like AgriNews and Bloomberg’s commodity and supply chain newsletters. It’s better to go in with eyes open.

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Politics Travel

Day 551 and Enjoy The Decline

I didn’t celebrate Independence Day yesterday. At least not in any meaningful sense. Typically I like to watch Roland Emmerich’s classic film Independence Day and cheer on American exceptionalism with explosions and hamburgers.

Instead I’m abroad and trapped in a small Airbnb that has me tethered to the nearest air conditioner. Pollution and climate change isn’t very good for enjoying time outside. 100 degree heat and a lack of EPA pollution standards are not a great combination so best of luck to my friends in Texas.

Nothing breeds appreciation for capitalism quite like spending time somewhere it hasn’t existed for long. Even at the end of the empire, American capitalism is so effective, our living standards still eclipse eastern block countries and other experiments in strongman style socialism. There is a reason people want to come to America and it’s not because we make it easy on immigrants or offer a strong social safety net.

It will be better to live in America for another fifty years or so than nearly anywhere else. Even with all our problems and bullshit, America at its worst is better than most of the planet. Entropy is a bitch though so you may you may as well enjoy the decline as eventually our lack of infrastructure and crumbling institutional capacity will destroy us.

Eventually “the crumbles” and the “Jankening” will eat away at our quality of life lead over the rest of the world. And let me tell you having been reminded of how much it sucks to live without the comforts of modernity, life this life to the fullest while you can. You are not going to enjoy the average lifestyle of a Balkan or Baltic state.

Which might be optimistic given some of the reactionary types striving to be the next Victor Orban. So might I recommend going out to eat at some fine fast casual restaurant and then making a Target run for things you don’t need. It won’t be around forever.

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Chronic Disease Emotional Work

Day 544 and Want of A Nail

I let something cascade over the past thirty six hours. I knew it would have an expensive energy budget but I wanted to try it anyway. I feel basically fine having made it through the entire experience, but now all I want is to sleep. And thank goodness as the consequences could have been worse than just needing more sleep. And I am reminded of the grief that comes from small consequences.

For want of a nail the shoe was lost.

For want of a shoe the horse was lost.

For want of a horse the rider was lost.

For want of a rider the message was lost.

For want of a message the battle was lost.

For want of a battle the kingdom was lost.

And all for the want of a horseshoe nail.

For want of a nail

I had a bout of perhaps food poisoning yesterday. It was unclear what the source might have been. Bad dairy seems likely. My whole body cascaded into responses. I was itchy and in pain and a range of histamine and emotional responses as the stress cleared through my system.

It’s always an exercise in frustration finding what little mistake or miscalculation sets off a disaster. Something so small can have massive consequences. I suspect it’s more about the power of the compounding effect. Or maybe it’s that giant domino meme. Sourcing backing to one silly little catalyst always shows you the fragility of your own life and circumstances.

I can’t tell if I find this reassuring and devastating. If the biggest life events always come from something small how can we event expect to impact an outcome. Or perhaps that is freeing. If everything comes from some unknown small then of events then we can simply life our lives unbothered by preparations and foresight. Something random is bound to knock life off track.

I think I’ll take the sanguine view. How could I possibly let myself worry when a little detail like a boot of nausea can set off a whole day. It’s a Franz Ferdinand approach to life. Sometimes a spot of political trouble in the Balkans sets off the whole world. It’s always going to be something.

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Preparedness

Day 506 and Walking The Talk

I had a spectacular two weeks of writing from the deepest places in my soul. We made significant and long lasting decisions for the family and the direction we want to take our lives and our investments. And yes I do mean that my husband and I are moving to Montana. One day I’ll be so proud to have captured that moment in our lives on paper.

So of course this past week I’ve done nothing but worry and fret and write about that worry as my physical body decided it was safe to be a bit sick now that we’ve done that hard work on making a big life decision. Even that mess of feverish writing ended up delivering some amusing written insights.

I’ve had to remind myself basically hourly that I’m alright. That all the uncertainty of the world is something I can live with. Indeed, it’s something I’ve planned for over the course of years. When I jokingly insisted we should name our family office chaotic.capital it seemed like an amusing and edgy piece of branding. Now I’m caught up in the reality of just how fast the thesis is playing out.

Frankly I am scared. I am scared because I can see just how hard things will be. Some days I feel like I’m beyond excited to actually be right. But then I remember the chaotic thesis sucks to live through even with the best resources and preparation. And all I can really do is walk the talk. Nothing is as terrifying as being prepared for hard times and then simply having to live all the shit you said would happen.

Because of course all of the macro big picture things that I’m planning to invest against are things that make my life harder too. I’m disabled with a chronic health condition that is annoying to manage in good times. My personal wealth is subject to the same market forces as yours. I have had to deal with the overheated housing market as a non-homeowner. I still have to act in the same face of the fears as everyone else. Am I modestly protected and buffered by privilege? Yes I’ve been sprinting to acquire it for year to get it. But here we all are and now is the time when a steady hand with a prepared mind can thrive.

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Emotional Work

Day 500 and Halfway There

Five hundreds posts is a nice even number. In my heart I find myself fantasizing that I am halfway there. Halfway where? The emotion of a midway point is somehow powerful to me. That I could have known when I started that I’d make it even 100 days let alone 500 seems preposterous. And yet now that I am here I have the quiet confidence to say that yes I will make it to one thousand. That is what I’ve learned from writing every single day. I’ve learned I can do what I set out to achieve.

Writing every single day has transformed my life. I say this without guile or metaphor. I just drove back from Montana to Colorado today. I left Bozeman with the expectation that I’d be returning to spend my next decade in Montana. When I set off on this experiment to write something every single day I didn’t expect tangible impacts. I did it because I thought the exercise would be good for my thinking and my writing. And instead I found that the daily discipline pushed me to life my life more honestly.

It’s been good for my emotions. To have to bring some part of myself to every day and genuinely be present has quietly and slowly grown capacity to be present in the world. I’ve learned more about who I am as a person. I’ve learned more about my needs and wants and boundaries. I learned about how I love and who I love. By ruthlessly prioritizing one activity, I came to see what my actual priorities could be with some investment. Writing is the discipline that gave me the framework to become myself.

And so here I am picking a place to spend the next decade. It will be a huge transition. We are going to be rural people after decades of city living. Because finally we can.

I can’t tell you that all of this emotion about moving is about the pandemic and how much I’ve experienced it as profound sense of displacement. It’s all true. But also I’d been unsettled by illness and medical leave long before lockdown. I have felt like my life was unanchored for sometime. Previously I’d been a Manhattan woman through and through. And then an escape presented itself and I found myself longing to go through to see what else I could find.

We didn’t commit to rural living at first. We went to the Hudson Valley. The first foray out of the city after a decade didn’t stray too far afield. We’d seen friends of ours find farm houses nearby. But it wasn’t enough. It didn’t have the mountains we longed to see.

As our first summer wore down, we after an intense two weeks, decided on a townhouse sight unseen in Boulder. We’d discussed a move to Colorado for almost two years prior to that. We’d run scenarios on how we could pull it off. But it seemed like a fantasy. But then the pandemic made work remote possible. Plus telemedicine meant I could leave my doctors beyond a days drive. I was finally free to do what I wanted without it being a huge risk to my health.

And this is why I say the writing was so crucial. Doing it every day slowly focused my mind.

I’ve had five hundred careful days of assessing the life I was living. I had five hundred days where I thought about what I valued and what I wanted to invest in. And it paid off. Suddenly the things that I’d never quite seen clearly were manifesting themselves in our lives perfectly formed. And it was clear that we needed to make the leap to take these dreams and make them real.

After five hundred days of writing, I have a new sense of clarity on my desires. I am shedding the weak and thin desires. And I am honing in on where I want to build and with whom. And yes much of it centers on being in Montana and living a life of resilience.

I’m totally serious about the chaotic.capital thesis. I am preparing for a more volatile world and I plan to be as present and grounded as possible in it. I’m an American and I’m proud of what that used to mean. I’ll be building out there with everyone else who makes the choice to live a real life and make real things. It’s not going to be easy but I’m not going to live life on anyone’s terms but mine.

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Preparedness

Day 497 and Collapse

You ever find yourself so stressed by a big decision or important event that you become sick as soon as it’s end is in sight? Adrenaline and cortisol take a strained body pretty far, but eventually your central nervous system is like no. I’m not at all surprised by how poorly I feel now that we’ve resolved our dilemmas on housing. In fact, the offer on the house was accepted today. If all goes well, we will move to Bozeman Montana in August. Prayers and chaos magic sigils.

I went to the urgent care center to get tested for Influenza A this morning as my husband had it last week. My Covid test was negative as was my influenza test. But I am coughing so hard it’s a challenge to get a breath in if I so much as talk. I got handed codeine cough syrup and Tamiflu and told to get back in bed. My body knows it can let go. We’ve got the house.

I want to be excited. I want to feel the joy and relief that I know is underneath the exhaustion and sickness. I want to feel the security from knowing my my job is done. We’ve been working towards buying a homestead for years. My husband and I have been doing our homework and working through preferences on the ideal land for what seems like our entire marriage.

But with the pandemic, we finally set about finding a home that could house us for decades. We’d been freed from dreaming about rural living while being stuck in cities and could now go about doing something with our desire to live in the mountains. Work from home changed the game for us completely. We could finally live where we wanted.

I want a homestead because I think we are in for hard times. Abundant opportunity exists to be sure but only for those that are prepared. My husband is skeptical on how extreme any event will be but trusts me to care for our family. Look at me doing the ultimate feminine act and standing for the home and hearth.

And I simply want harder times to be easier for my family. I don’t want my people to suffer because the world is changing too fast for them to adapt. I want to set up my tribe to succeed and thrive in a new chaotic world. Preparation takes work and making strange even crazy sounding bets before anyone else thinks it’s sane. I don’t mind being seen as crazy so long as me and mine are safe. I am a woman. You should fear this primal energy. It’s strong.

Close over the horizon we’ve got a new world of uncertainty coalescing into possibility that is emergent. Chaos will reign. How? Who can guess. Our simian minds can barely grasp the first order effects of our current landscape. Of course, we haven’t figured out second or third order issues from war and pestilence just yet. We just aren’t that smart. How could we ever predict the future? We are struggling to make sense of the present.

We are just now seeing the supply chain issues and commodity shortages from the pandemic collide with our globalized economies. This is just the start of the complexity era. Just wait till fertilizer shortages in global farmlands intersects with the war in Ukraine and the super hot and super dry summers brought by climate change. That doesn’t scar you enough? It should.

Wealth has bifurcated and American cultures are at war. It is literally a culture war playing out as fifty years of consensus in reproductive rights collapses. I don’t kid myself on it stopping there. Our sex lives are about to be the governments business and some folks feel good about it. Some fuckers are celebrating it. We are about to face some weird times and I want to face them on my own land with my own guns.

I am preparing myself for much harder times ahead. Because hard times create wealth. I am putting myself somewhere remote with a cold climate to mitigate climate disruption. But until it’s an emergency I’ve got a top notch airport with daily flights to any city where finance or technology does business.

I’m still on good supply lines but I’m also in a community that can do a lot of trade on the basics of food, water and services. I picked a state that has abstained from the culture wars. I pray it remains a libertarian “live and let place” as I fear for the theocracy that is coming for southern states.

Equally I’m disinterested in liberal states that want to decide how to best allocate my resources. I’ll build my own communities and see to them if I can. Bozeman was a very deliberate choice that came from literally thousands of variables. It’s my last stand where I think I can battle the future and win.

People talk a good game about their vision for the future. They talk up their investments and their bags and their confidence in a whole new world and yet they live in precarious cities and lifestyles a single crisis could derail. I’m telling you that I see chaos and it will not ruffle my feathers. It won’t disrupt my breakfast. And I intend to set myself up to be able to ride it out in as much comfort as possible with as little disruption as possible.

Because I want to win this churn. I want to make money. If chaos is a ladder I will climb. And I’d suggest you consider what you are willing to do to win the next decade. It might not be the collapse. But even the crumbles will require you to change. And if your answer is nothing. I cannot guarantee your comfort in the future.