The stock market, either rises, falls or goes sideways. When managers or investors make market calls, the odds are already stacked in their favor. In other words, a coin doesn’t have 3 sides. You’re being right or wrong is not profound or genius. It’s common sense.
Tag Archives: System
How Healthy is Healthcare?
The healthcare sector just took another hit.
Context: apparently providers were connecting separate charts with diagnosis not linked to specific visits, in order to receive government payments. “Gaming the system”. (2026 Google Gemini Search).
In other words, providers being able to take old charts from separate visits, using them as a proxy for extra payments incentivized skimming without any added work or patient visits required. So free money. Now that compresses margins, and margins in health care are already tight via the high capex that is sector specific if I’m not mistaken.
Put another way, the government is finding out about, or simply knew and is doing something about healthcare skimming profits from the top, bottom, and both sides.
This could really hurt the industry, because it’s all they’ve known, assuming this has been a decade long process of taking advantage of uniformed patients, who just want the best care.
Now my take:
Ultimately, risks being fairly priced compresses margins, and removes more of the reimbursement benefits by way of lower costs.
Seems like this could hurt insurers in terms of actuarial rates, being more accurately calculated and priced. So there should be a major adjustment to how they price risks, otherwise they keep the same models, and charge the same rates so healthcare providers will have to give in. If not prices will rise to “fight” it. It’s crazy because “fairness” in this case, means better outcomes for patients, which ultimately wipes out a lot of revenue, and profits for the healthcare sector. Now this also hits pharmaceutical companies in some ways. As well as physicians and doctors. The assumption here turns into, fairly priced risks models. This creates less invasive and unnecessary procedures. Which reduced premiums, and lower out of pocket rates. Which means less prescriptions, and tighter safety standards. Eventually the costs cuts follow payroll, and less money spent paying physicians, surgeons, and drug manufacturers. All of this because the government, or some other entity is directly or indirectly (not having to shell out billions) looking out for the American people who help fund this entire mess. So more power is taken away from providers who essentially were the inadvertent risks model adjusters in a sense. Because “you need more tests” means you have to keep paying, so I can keep my Mercedes.” “We’re not treating, we’re retrieving,….profits, by any means necessary.”
Here’s where providers will have to differentiate themselves from the pack with truly competitive prices or actually providing quality care and services. Not just skimming left and right. Plus there was and is always the priesthood/gatekeeping mentality and business model that was always there. “We studied this for over 10yrs, you don’t know. We know what’s best for you. Even if it means unnecessary costs, and procedures are being carried out to extract money from your pocket”. You also have the same dynamics as money driven medicine described. More competition creating healthcare inflation. They will just go harder and fight more to find added costs.
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A Productivity Course.
Something useful in schools would be a course on productivity. If it doesn’t already exist. It could help students understand how to get the most out of life. You’d learn the importance of proper sleep and nutrition, to create the energy needed for sustained productivity. You’d learn how to prepare for and work at high paying jobs in order to fund daily life. You’d understand the tax and economic advantages of starting and running a business. You’d learn the difference in structuring your business via self employment, limited liability corporation, or through LLP’s, S-Corps and C-Corps.
You’d learn how to be resourceful. How to find a proper romantic partner, and how to create a zero based budget every single month. This course would essentially teach you the most important life skills needed to succeed in this world. The sad truth is, this may never happen. Luckily we have a ton of information available to become self taught on these specific topics.
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Output Optimization.
Urgency goes hand in hand with time management. People tend to regret what they haven’t accomplished. Decision making leads to more efficient time management. This occurs because you must decide what actionable steps are required to move forward all throughout your day. Put another way, the less time it takes to approve a task the better your productivity will become.
For every yes you approve you simultaneously say no to a multitude of other tasks that need attention. This is why decision making is a crucial component to productivity as a whole. From a psychological perspective, If the width of your attention expands, decreased output is the result. When your mental scope narrows you create the possibility of increased output. In other words if you think an unfinished task will cause regret, complete that task first and repeat as you progress.
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Deciding to be better.
What was the hardest personal goal you’ve set for yourself?
Continuing a rigorous fitness routine. Moving away from home. Living in a big city. Setting ridiculous goals and getting slightly closer to some, while busting my ass and missing the mark on so many other goals have been some of the hardest things. Being an introvert in a committed relationship is also very hard at times, but worth it (I love me-time to an almost unhealthy extent).These are the things that have helped make and continue to make me, whatever and whoever the hell I am.
Setting goals brings specificity to the table.Specificity brings clarity. Clarity brings a sense of calm. Regardless of having all of these things in place, life is still going to be a mess at times. I’ve said it in a previous post, but you have to embrace the mess and chaos at times.
Don’t let the mess overcome the execution though. We still need to actually finish and complete the goal we’ve set. If things are not difficult, perhaps you’ve either become extremely proficient and effective at solving the problem, or you’re not challenging yourself enough.
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Not that difficult to do.
When you shift your mindset, you quickly realize how much opportunity exist in this world. We really only live this life once. This is exactly why waiting around for shit to magically happen won’t cut it. You have to get up off of your ass and implement a system that allows you to get the results you desire most. Do the work.
Simple and plain.
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Morale Compass.
Make sure you have a spiritual foundation to live by. Without one, you’ll do any and everything to get ahead. This may result in a lot of negative energy and results at some point in life. If you have morals, values and standards, you won’t go for just anything. You’ll use that moral compass to guide you to the best possible path, while avoiding an inevitable downfall of evil doing.
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Pop goes deposits.
I’m still a bit lost in regards to the earlier banks failures back in March of this year (2023). Technically it appears as though the banks did not in fact fail, they just came close but were saved. Saved by the U.S. and other international institutions. If a bigger bank can come in and buy the failing bank, there can be no more bank failures, I guess. Unless the biggest banks mismanage assets. If the federal reserve and the federal deposit insurance corporation (FDIC) can pump liquidity into the system to insure these troubled banks with fleeting deposits don’t falter, how on earth will CEO’s and money managers learn their lesson?
It seems as though there still is not enough reform or regulation in regards to the banking/finance industry. Maybe I’m way off here.
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Double check.
Just because you’re consistent at doing something, doesn’t mean you’re doing it right. You could have a consistently inefficient process. It’s always wise to double check your reasoning as well as your process of execution. Whatever your goal, tighten it up, and try not to leave any loose ends behind.
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Generational Wealth is not just about money.
I remember the online trend from 2020-2022 of people saying they needed to create generational wealth for their family. However, the focus was always money and material goods. These two elements of are not the only thing that is needed to create general wealth. You need to focus on estate planning. Never once did I read any online commentary from people my age talking about living wills, trusts, or power of attorney.
I’m still not as well versed in this arena, but it makes more sense to create some sort of organizational structure or system. One of the most important ways to do this is by drafting a living will or trust. So before we get all hyped up about building generational wealth, let’s make sure we have the basics, like estate planning, and at the very least a signed and notarized living will.
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Fair Play.
I’ve began conducting a little more research in the healthcare field. Something I found a bit confusing or frustrating is the fact that it’s a two-tier system. The wealthy get the best care, the button half get the best care however, they are left with medical debt, if they need procedures or surgeries that are too expensive for them to pay in full. Yes they may get treatment, but the debt turns into collections, which decreases their credit score. Lower credit scores mean less opportunity to borrow money (if necessary) at a lower interest rate.
How do we make healthcare more affordable for the less fortunate without doctors and physicians being paid less for the same amount of work? How can the less fortunate get the treatment they need without going into debt or not being able to refill their prescriptions? Maybe it’s two early in my research to be asking these questions.
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Liberty and Justice for all?
Pardon my ignorance on the subject, but I’ve noticed that in America we have a two-tier healthcare system. I’m sure some of it may have to do with the fact that not everyone is operating within the same tax bracket. This being the case, what would make for a fair system with the same level of care for all individuals? How do you pay the healthcare providers, doctors, physicians, nurses, surgeons etc. if we’re all getting the same level of care with varying degrees of costs?
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Who cares what they think?
You’re ready to take your life to the next level. You’re ready to stop smoking, cutting back on sweets, or going all in on your business, and people around you don’t understand. They ask dumb ass questions like “why do you work so much?” “You’re not tired!?” “Why do you have to study so much material?”
If I’m being frank they can kiss our asses. Stop listening to people who are not on that journey of growth with you. Just keep perfecting your skills and your craft. You and only you are responsible for all of the successes and failures you have throughout life. Do NOT LET ANOTHER MAN OR WOMAN’S OPINION DICTATE WHAT YOU WANT TO PURSUE.
Just keep doing you and getting the most out of the process. They don’t understand, it’s not meant for them to understand, and they will never understand. Let it go, and enjoy being great. This shit is not about money or being popular, or being socially accepted or politically correct. It’s about being the best at whatever it is you want to do. Of course you want to map out the process and implement systems, that minimize the risk to reward ratio, while maintaining ownership and creative control.
Just don’t allow the idiotic opinions to cause you sleepless nights. If they’re not helping you, they’re hurting you. Keep putting in the work and living your truth.
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What is your glass?
While we live through these current times of economic uncertainty, geopolitical realities, and changes in policy for fiscal and monetary processes, 3 things are certain. 1). Someone somewhere is failing. 2). Somebody else is Succeeding. 3). This person does not realize that 1 & 2 are possible for themselves. Just because you have a glass, doesn’t always mean it’s half empty or half full.
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Money 4x Part 3…
6). Increasing income through side hustles or starting a business.
I wish I knew what the real trick here was. There are thousands of business ideas one can consider. There are only a few that will stand the test of time. If I’m being honest, I don’t yet have the business experience to really give decent advice. Let’s be real, none of this is ever advice. It’s all just perspective.
Anyhow, you can start a side hustle as soon as next week. Lyft, Uber, Door-dash, Amazon Flex, etc. You can grocery shop for people. You can take pictures of your feet and people will pay to see them. How wild is that!? There is no shortage of side hustles, but a side hustle is just that, something you do on the side.
When you study business, or entrepreneurship, you’ll hear about systems. Systems are put in place to optimize your sales process. It’s the system that generates income from your business or side hustle. Now that we know this, we need to first find out what it is we’re exceptionally great at doing. Some of us just throw shit at the wall to see what sticks.
While there are some of us, that have something that we really excel at without much effort in comparison to others doing something similar. This could be a skill set that you can monetize. The problem being, most of us want to try and monetize everything. So we really need to think about the implications of monetizing our gift. Knowing what gift or skill you possess, allows you to begin your side hustle venture.
Some questions or things you might want to consider before trying to monetize your gift, will help you eliminate unnecessary pain, and stress, and costs. Does your product or service fulfill an essential need within society? What are the current trends within the industry in which you plan to operate? Does it truly make sense to scale your side hustle into a business if it becomes profitable? Are you really built to be a business owner? Who is your target audience/demographic? What will happen to the viability of your product as your customers age?
Trying to save you some reading, at some point it’s ideal to scale your side hustle, when it replaces your current full time income. From there, you can turn it into a business. There are many other facets to this process. For now, I’ll say, this part of the list seems to be more and more practical when you consider the current state of the economy. See you tomorrow.
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5 days a week or else…
This country is wild. Maybe I’m spoiled or ignorant, but it seems like we’re paid to forget our personal goals and dreams. We’re paid to put our family on the back burner in order to collect another check with minimal benefits. How can you build a life for yourself when you’re busy spending 40 plus hours a week building something for some other persons family? At the end of the week you’re too damn tired to work on any of your own ideas.
This is simply an observation. It’s also reality for most people. We have to continue to break this systematic process. It’s okay to say no. It’s okay to work on yourself.
It’s okay to rest your body. It’s okay to build a better future that you are in control of. It’s okay to not be okay. It’s okay to take a stand and move forward with that same gusto and energy you had just a few moments ago. It’s never easy to stand up for yourself, but it must be done. Otherwise you’ll be paid to forget about what you want and need for the rest of your life.
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Time Management/Optimization.
When you start assessing the top 1%, and how they operate, you realize that a lot of what they do is based on automation, or delegation. If a wealthy person doesn’t absolutely have to physically be present, they will assign the task to another individual while they work on or do what they desire or need to most. Systems are at play when you consider how much the top 1% are able to accomplish. I only mention this because I was conducting a bit of research on how much of the market the 1% own. This lead me back to the things I’ve seen on television and in movies.
They have chefs, and maids, and realtors, and even people to count their money for them. Not because they are lazy. They do it because it frees up more of their time. If they were the ones having to count the money, and wash the cars and run every errand, they would never have enough time to focus on the wealth building opportunities that they were able to create in the first place. Let this be a lesson, that even if you’re not in the 1%, you still need to create a systematic approach to getting things done, so you can accomplish more while physically doing less.
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Maybe they just don’t care.
Being that there is plenty of historical data showing the constant fluctuations within economic cycles, why don’t more of us prepare for them? Why not have a recession-proof plan? Why not take advantage when interest rates are actually stable or negative in regards to utilizing looser monetary policy? Why is it that every time things go south from an economic perspective, people just choose to panic? Is financial literacy still a huge issue in this country?
It seems like it is. I often have brief conversations with individuals, and some are still baffled by the world of finance and how it works. Especially when it comes to investing. Yet people keep throwing money into their brokerage accounts, disregarding how markets work, and how money flows through banks, and the economy as a whole. Are people just lazy, and not willing to learn on their own?
Is it really the responsibility of the school system to create more courses around financial literacy, like taxes, budging, saving, and investing? I don’t feel like we can blame schools for people’s lack of interest in knowing how money works and how to make their money work for them. If you’re curious enough you’ll ask lots of questions and or read about how it works. It’s hard to improve financial literacy amongst Americans if they themselves are not willing to do the necessary research. I feel like it’s similar to obesity, in that, without people’s willingness to do something to fix it, the problem will never truly go away.
Especially when others around them are just as likely to enable the same amount of ignorance.
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Time tables.
You can only truly focus on one thing at a time, so whatever you devote yourself to, make sure it’s something you’ll be able to live with years from now. We never get back any of the time we used. So eventually you have to learn to create more availability of the time by optimizing each day.
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In a literal sense.
Be mindful of what information you consume and who you spend time with. We become whatever we continually take in. Eventually the things we consume even become a part of our thinking. You’re best chance at not getting sucked into some false reality, is to constantly challenge your own way of thinking. Question what you really think and believe and balance open mindedness against conflicting viewpoints.
This is not to say you’re wrong and everyone else is right, or that you’re right and everyone else is wrong. You do this to literally stay in between the chaos and calm. The goal is to try and remain as rational as possible while utilizing new and existing information and beliefs in order to yield the best results.
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No reason for ignorance.
As a society we can no longer say we don’t know. The information is available and a large portion is free. You know the answer. You just want an excuse that allows you to ignore it. It just doesn’t work anymore.
Sitting around being ignorant is absurd. Use the information to your advantage. You should be far more intelligent at this point in life if you’ve been staying curious and learning more about your craft and or about life. Some of us think we know things based simply on experience. Well there are some instances where experience won’t cover your assumptions.
Why on earth do people go to college? Many reasons. A lot of it comes down to information specific to their intellectual needs in order to be qualified to earn higher wages in their chosen field. Without the information the entire system is useless. I wasted all of these words just to say, take advantage of utilizing the information that is available to you.
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School is still broken!
Math homework used to make me cry. The school system is broken and america knows it. I’m just wondering if they will ever fix it!!!!!
A lot of what we learn from grade school to high school has nothing to do with everyday life unless you count being extremely bored or frustrated with a subject and having to not go insane. This also translates to staying at a dead end job.
They don’t truly teach kids to dream in a better way. They don’t change up the environment.
Teach the kids to wash clothes, open retirement funds, how to invest in stocks, bonds, and mutual funds. Teach them how to negotiate when buying their first house or car. Teach them how to maintain a well balanced diet and why eating unhealthy could lead to a ton of medical bills, essentially ruining your chances at building any kind of wealth and freedom.
The only thing I can think of that would make schools change shit up, is if every student boycotted the classroom and did homeschooling instead. But americans are so brainwashed by the school system, parents would be so afraid to take that risks.
School doesn’t teach you how to build character and TAKE RISKS!!!!! The most fulfilled lives are lived through calculated RISKS!!!!
I’d love to teach a “real world applications” class!!!!
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Have you had enough of my truth yet? PART 3.
One of my legit goals in life eventually is to grow the fuck up, get wealthy as fuck and forget I even have a phone for months at a time.
To forget what’s it’s like being on the internet every fucking day.
We even do our homework using the internet with things like mymath labs plus.
What the fuck kind of trap is that!!!!???
Than professors bitch at us and say you shouldn’t get distracted.
Bitch how about change the system so we can’t even use the internet at school or to get homework done.
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Are you failing or learning?
We hate failing on any level. Why? Because most of us had to enroll into school, and that is where it began. As children it becomes a game of perfection. Make this letter, painting, circle, and test score perfect or you are different. Different is bad. Bad is not good.
Stay on track. Don’t day dream, it will make you stupid. As we grow older, we become more intelligent based off of real world experience and self observations. Now we know that the game is a fluke and that we can’t possibly learn on the highest level through this system.
By now it’s already too late. We have played the game for too long and it has become similar to the jumanji effect. (watch the movie jumanji if you’re lost). Everything they have taught us is never good enough unless it’s within a certain number range.
What does this do to us as people? As creatives? It makes us afraid to test. It makes us sweat. We hesitate to try. Failure in our minds means punishment, and alienation. You can not learn as much if everything you make is perfect, but that doesn’t mean you should try to do shitty work on purpose.
It’s a terrible paradox that school systems allow us to remember and rely on.
Fail. Fail with intentions of taking lessons from that failures. Do your very best in all that you do, but don’t be alarmed when you fail. Be informed.
The man or woman who fails the most, will eventually begin to succeed the most.
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You’re an adult? You are sooooo lucky!
Why do older people try to make younger people believe that adulthood is the world’s worst thing? They always point out the flaws. From bad backs, to multiple bills, to memory loss and doctors appointments.
Where’s the upside in becoming an adult? Everywhere!!!! You can do what you want, when you want, however you want, until the cops show up. You get to set big and small goals. Travel the world, think out loud. Make unlimited amounts of money. Create some serious impact on people (especially if you have kids).
You can drive, fly, walk, and run. Plan parties without people shutting them down. You can tell your story to people who will actually listen knowing you have more experience. You can explore any one idea for as long as you want and create your own belief system about that idea without having to explain yourself.
You can buy exactly what you want as long as you have enough money and are at that particular level of wealth.
Are there restrictions? Of course! People are restricted at every level of life. If not by gravity, physically, or by law. Adults just get to live on the highest level of “freedom”. Just don’t forget that consequences on this level are much bigger when mistakes are made.
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School rant
Thanks to one of my most influential hero’s and best-selling authors and I learned a lot about how school punishes thew student.
I learned that they specifically created an atmosphere where students had to sit in single-file rows and group activity was only encouraged during recess.
I learned how school really kills and deplete’s our children’s creativity as the time passes and they get older. I learned how students are punished or looked at funny if they ask a lot of questions (which is crazy because asking also leads to better learning and more discovery) during class.
I learned that the parents must take control and help their child learn or gain interest in an outside project or activity other than school so that they have more time to do something that they love.
Now here’s the funny thing: yes our children of the future need school. What they don’t need is a school system that punishes curiosity. Curiosity is what helped create the computer I wrote this on, and the light switches throughout your house and the shoes you are wearing on your feet.
We need a new school system and new teachers that will encourage students to make mistakes that they can learn from instead of trying to be perfect (honor role, academic plus, college prep). The best way to prepare a student for the real world or for college and being an adult is to find out what they love to do more than anything, and give them an entire summer to build run and maintain a small business out of it and to collect a small amount of maybe $500 from selling their idea or product.
That alone can give them so many lifelong skills that a normal education would never give them.
I hardly remember anything I learned in all of my years of schooling.
Yes keep the kids in school for the time being. Just until they are old enough to break free on their own but help them find their passions all throughout and encourage them to build and create ideas out of that passion/passions. School stunts mental growth and encourages perfect. Side projects and passions boost growth and create real leaders that are truly happy on the inside.
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You Are
You are part of the reason. You are part of the reason why last night I stayed up until 3:30am finishing interviews and updating my computer’s operating system. You are part of the reason why I woke up this morning at 8:30am so that I could write this blog post for you.
You are part of the reason why I create music and release it. You are part of the reason why I almost went broke trying to deliver greatness to your screen. You are part of the reason why I have trouble falling asleep every night.
You are part of the reason why I’m driven and dedicated to my craft to the point of pure insanity.
So when in doubt. When you lose faith in me. Remember part of the reason why I’m fighting for an understanding and fighting to inspire those who are lost and those who are found to get up and live life.
