Reflecting on my “loneliness”

This post is quite sappy and melodramatic (but let’s be honest, if you’ve read any of my writing, you know I do this a lot).

It’s Valentines Day today and another reminder from society that I am single.

Granted, every year, I’ve felt this feeling.

Anyone who knows me knows that I’ve never been in a relationship. And although I thought I was ready to be in one last year, I think the more time I’ve spent understanding myself and life, the more I realize how important it is to learn to love myself before I can expect anyone else to.

I’ve been contemplating a lot. Not just about love, but about life in general.

The global economy. I could go on for hours about Sino-US trade relations, or the global political-economic trends, or why some countries are poor while others are thriving.

Religion. Because I’ve been taking a course called “God” for my humanities minor. And now I have the omniscience objection against God, the religious orthodox faith proof, the argument of design, the argument of evil and 4 miseries, and the cosmological argument. I’ve read Descartes, Plato, Aristotle, Hume, and German Philosopher’s works.

I can talk to you about finance. Money is just a construct. Credit and debt are fallacies. And compound interest is the 8th wonder of the world.

And finally, I can talk to you about love.

Why love can be poisonous. Why love is often an external projection of our internal selves. How love can be corrupted.

But also why love is the greatest power we can possess–but also dangerous when we allow love to possess us instead.

I’m single for another Valentine’s Day but I’m also happy that it’s a day for a celebration of people in love.

I believe deeply in love. I believe that having a good partner is integral to a happy life. And I’m happy to see other people live through relationships.





Living expenses

Personal finance is a topic I’ve always enjoyed studying.

How can people, individuals, manage their finances in the most efficient way while also satisfying the economical unlimited wants and desires of being human?

How about we do some incredibly rudimentary examples of personal finance:

$1000 apartment or $800 shared with your college friends

$15 UBER ride or walking OR $2 subway train

$15 lunch at Pret a Manger OR making your own lunch for $5

$5 Starbucks coffee vs. no coffee

And the biggest one that I’ve been trying to cut out for my living expenses:



I get a haircut quite regularly, around every 3-weeks.

Nothing fancy. I’ve been trying to grow out the top of my hair so I’ve just been asking for my sides and back to be shaved and cleaned up. It takes less than 10-minutes, really, and it’s really not worth my money.

The opportunity cost of getting my sides fixed is roughly $30. $20 for the haircut, $10 for my time spent commuting to and from.

Now, because of how simple of a haircut I need every 3 weeks, I can very much do it myself.

$30 shaver on Amazon and learn how to be self-sufficient.

That’s 17 fewer haircuts I’d need every year, 17*25=$425 minus the initial $30 for the shaver = I’d save $395 in the first year, and then $425 every year after.

It doesn’t seem like much at first, but it adds up.

Invest that $395 into the stock market, and expect even just an average of 7% annual interest compounded over 20 years, I’d have $16,193

Do it for 40 years and I’d have $78,855.

Just by cutting my own hair.

How’s that for self-sufficient?

Read more finance stuff on my Down to Finance website: