Author Topic: Does Mustachianism Undervalue Collective Human Capital?  (Read 6265 times)

ishoutedmyjoy

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Does Mustachianism Undervalue Collective Human Capital?
« on: May 22, 2017, 07:48:52 AM »
I've been thinking about this a bit recently. I searched the forums some but haven't seen many conversations on this topic. Please point me in the direction if there are.
My wife and I are considering moving and are weighing our options and one thing that struck me that I didn't expect is the major positive impact of collective human capital on our lives. I feel like individual human capital is a major touchstone of mustachianism but what about collective human capital? (not sure if I'm using the correct term)
A few examples: friends letting us borrow tools, helping fix a car or tune up a bike for free, babysitting our kid for free, letting us borrow a truck and help move a large appliance, cooking meals for us when were sick, a friend giving us a no-interest loan to pay off student loans faster.
We are relatively novice mustacians. I wanted to hear others thoughts on this topic.

Vindicated

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Re: Does Mustachianism Undervalue Collective Human Capital?
« Reply #1 on: May 22, 2017, 08:00:52 AM »
I'm sure there are a ton of angles to come at this, but I'll offer my initial reactions.

Pros of "Human Capital" - Living near friends and family is amazing because we are social creatures.  Also, it's great that my parents will watch our 2yo just about any time we want some freedom.  My parents also invite us over for dinner at least once a month.  I've had several occasions where I was unable to DIY something, and my Dad came by to help me.  Also, several occasions where I had a contractor coming to the house, and my Dad or Mom went there to meet them when my Wife and I were unable to.  I've also borrowed my Dad's truck for random large item purchases/sales.  I love having so many good friends near by, so we can have cookouts or get together for board games.  I've also borrowed tools from my neighbors before, which is much cheaper than buying something you only use once or twice every few years.

Cons of "Human Capital" - When my parents take our Son for the night, we're much more likely to go out to dinner or to see a movie.  So, even though the baby-sitting is free, we end up spending more money.  This isn't always the case, but it does happen.  If this is the worst "con", then I much prefer to have the friends & family near by :).

So, yeah.  Living near loved ones is a large value to us.  It may not be so much for everyone.

Tetsuya Hondo

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Re: Does Mustachianism Undervalue Collective Human Capital?
« Reply #2 on: May 22, 2017, 08:04:44 AM »
Are you asking if people overemphasize moving to lower cost of living areas at the expense of losing access to their network of friends and family, which provide another way of saving money and/or adding to quality of life?

If so, maybe. It's certainly worth trying to understand all the trade-offs involved in moving. I agree that this is an important one to consider.

Spitfire

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Re: Does Mustachianism Undervalue Collective Human Capital?
« Reply #3 on: May 22, 2017, 08:19:35 AM »
MMM absolutely talks about the benefit of having a "tribe" of people around you so that you all can help each other. I believe the mustachian solution to that problem would be to make friends in the new area you move to so you can share in the same benefits.

ishoutedmyjoy

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Re: Does Mustachianism Undervalue Collective Human Capital?
« Reply #4 on: May 22, 2017, 08:39:59 AM »
Are you asking if people overemphasize moving to lower cost of living areas at the expense of losing access to their network of friends and family, which provide another way of saving money and/or adding to quality of life?

If so, maybe. It's certainly worth trying to understand all the trade-offs involved in moving. I agree that this is an important one to consider.

Yeah, we are talking through trade-offs and we've really dug into mustachianism in the last few months. I guess I was surprised at how highly we valued our network. I wanted to see if other mustachians had similar experiences but haven't seen many folks talking about it.
@spitfire, yeah your totally right, it would be making new friends in a new area but for us that's taken a lot of time to build that network.

undercover

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Re: Does Mustachianism Undervalue Collective Human Capital?
« Reply #5 on: May 22, 2017, 09:05:32 AM »
You will never save enough by relying on friends and neighbors to justify living in a more expensive place (whether that's because it's far from work or is just an expensive property).

Most of the things you're listing sound like petty things that you shouldn't have to outsource in the first place or are rare one-off occurrences (requiring an actual truck is rare). As for babysitting, no one's going to do that for long-term (for free or cheap) except maybe your parents. And the thing about getting stuff for "free" from other people is that they're always going to come to you eventually and ask that you return the favor if you're asking for free things on a regular basis.

I think this type of arrangement would actually work if it were skilled people bartering their various skills. One person fixes someone's computer while they help build a deck. Bottom line is time is money and whatever you're doing that's skilled work or is otherwise valuable has a dollar value attached to it. No one's going to do shit for free for you as long as you don't help them out in some way as well. I definitely think it's valuable to have these type of relationships and I don't think MMM undervalues this idea at all (it's talked about frequently). From a quantifiable perspective, I just know that you're not going to save enough in the long term to justify living in a more expensive arrangement. From a qualitative perspective (how much you value their friendship or would hate to be away from these people), that's totally up to you.

HipGnosis

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Re: Does Mustachianism Undervalue Collective Human Capital?
« Reply #6 on: May 22, 2017, 02:41:42 PM »
My empirical evidence - of my family 'capital'.
I've gotten an odd mix of 'help' from my family over the years.  Borrowing tools, advice, moving, landscaping.   Dad and a brother had pickups, but Dad's was to new to haul 'stuff' and brothers was always full of 'stuff'.
But there were costs.  Birthday, anniversary, Xmas, graduation presents - for immediate family and their kids.  And the time 'requirements' of special events; sports, concerts, graduations, parties.  And time to help them when I could.  I once spent the vast majority of a super-bowl sunday rebuilding my brothers computer - he used it for his home maintenance and improvements company and 'needed it ASAP'.   Every program and backup it needed took him 30-45 minutes to find.
Over the years, they all moved away.  It's been over 5 yrs now that they're all gone from the area, and I'm better off financially and socially.   Holidays are just cards, so much cheaper.  I enjoy holidays with my friends much more than the holidays I spent with family.  My friends are much more understanding when I decline an invitation. 



Cassie

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Re: Does Mustachianism Undervalue Collective Human Capital?
« Reply #7 on: May 22, 2017, 04:22:40 PM »
I am 62 and we when we were young we did those types of trade offs with all our friends. We exchanged babysitting, kids clothes, tools, cars, you name it. It helped our $ go farther and was fun. I had a arrangement that lasted years with one friend where she watched my kids 3 mornings/week and I watched hers 5 afternoons/week. No $ ever exchanged hands. 

VoteCthulu

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Re: Does Mustachianism Undervalue Collective Human Capital?
« Reply #8 on: May 24, 2017, 10:04:56 AM »
There's probably a lot of money that can be saved on babysitting, but I don't find the things I borrow or get help for yield significant savings. Borrowing instead of renting a truck once or twice a year, getting a ride instead of calling a cab or uber, etc. might save me a few hundred dollars per year and a bit of hassle, but I doubt it shaves much time off my FIRE date.

NorthernIkigai

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Re: Does Mustachianism Undervalue Collective Human Capital?
« Reply #9 on: April 05, 2024, 09:48:26 AM »
I don’t see the link between living in a higher or lower cost area and having or not having access to these kinds of benefits from other humans around us. Except maybe if you were planning to move somewhere so far away from any neighbours that there is literally no one around.

A much bigger factor is what kind of housing you choose within your particular community. We live in an apartment and can easily walk to several friends whose kids ours like to play with, etc. Of course our housing is expensive per square meter but we save so much on commuting time, expenses, stress, etc. that’s it’s a no brainer for us.

In general, the mental, societal, and even physical (loneliness is literally lethal) benefits of having good relationships with people around you are massive. So it feels absurd to look at such relationships on any kind of monetary scale.

tygertygertyger

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Re: Does Mustachianism Undervalue Collective Human Capital?
« Reply #10 on: April 05, 2024, 10:08:59 AM »
I value living in a community for the enhanced quality of life, rather than any financial implications (though there are those too, I suppose).

My partner would love to live in the mountains. I want to live near our family and friends (decidedly in the plains)... so for now, we go visit the mountains on trips, and live near the people that we love.

I know that we could potentially make friends somewhere else, but most people our age are deep in child-rearing mode, plus I'm introverted and my partner - though not introverted - is super shy. So I think our odds are better here so far as having friends we can text to say "wanna play games this weekend?" Or having someone water our plants and stock our kitchen with some fruits and stuff when we got home super late from a trip (that part just because they wanted to!)

We had a great dog-exchange for several years where we didn't have to board our dog for trips (and we watched a friend's dog). And again, it's not so much about finances, though it did save us money too. But more about knowing that my dog was happy and in a house with people he liked while we were gone. And their dog got taken on trips to the woods for exciting walks when we watched him. Quality of life stuff. 

Our location is MCOL, so take that for what it's worth!

StarBright

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Re: Does Mustachianism Undervalue Collective Human Capital?
« Reply #11 on: April 05, 2024, 10:28:38 AM »
I don’t see the link between living in a higher or lower cost area and having or not having access to these kinds of benefits from other humans around us. Except maybe if you were planning to move somewhere so far away from any neighbours that there is literally no one around.


I have lived in many locations as an adult, rural to large city, and I have found that the LerCOL, more rural locations have been more insular and much harder to make the type of friends who help.  Mostly because they already have their own networks that are a generation or two old.

People are polite and even friendly, but aren't interested in expanding their networks.

However, as my current area has become more affluent, and older families can no longer afford to live here and new families move in, it has become easier to make those types of friends. On the other hand, I couldn't afford to buy a house in my area now if I was just buying in?

I think discounting networks is foolhardy, especially if you have kids.

« Last Edit: April 05, 2024, 10:31:08 AM by StarBright »

Metalcat

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Re: Does Mustachianism Undervalue Collective Human Capital?
« Reply #12 on: April 05, 2024, 10:48:43 AM »
I don’t see the link between living in a higher or lower cost area and having or not having access to these kinds of benefits from other humans around us. Except maybe if you were planning to move somewhere so far away from any neighbours that there is literally no one around.


I have lived in many locations as an adult, rural to large city, and I have found that the LerCOL, more rural locations have been more insular and much harder to make the type of friends who help.  Mostly because they already have their own networks that are a generation or two old.

People are polite and even friendly, but aren't interested in expanding their networks.

However, as my current area has become more affluent, and older families can no longer afford to live here and new families move in, it has become easier to make those types of friends. On the other hand, I couldn't afford to buy a house in my area now if I was just buying in?

I think discounting networks is foolhardy, especially if you have kids.

This hasn't been my experience in any of the small communities I've lived in, but that said, I am a relentless friend-maker very, very skilled at breaking into insular communities.

Bashing people over the head with insistent friendship is definitely a skill, but it is a learnable skill for anyone who wants to break into communities where everyone has been friends since middle school.

StarBright

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Re: Does Mustachianism Undervalue Collective Human Capital?
« Reply #13 on: April 05, 2024, 11:04:33 AM »
I don’t see the link between living in a higher or lower cost area and having or not having access to these kinds of benefits from other humans around us. Except maybe if you were planning to move somewhere so far away from any neighbours that there is literally no one around.


I have lived in many locations as an adult, rural to large city, and I have found that the LerCOL, more rural locations have been more insular and much harder to make the type of friends who help.  Mostly because they already have their own networks that are a generation or two old.

People are polite and even friendly, but aren't interested in expanding their networks.

However, as my current area has become more affluent, and older families can no longer afford to live here and new families move in, it has become easier to make those types of friends. On the other hand, I couldn't afford to buy a house in my area now if I was just buying in?

I think discounting networks is foolhardy, especially if you have kids.

This hasn't been my experience in any of the small communities I've lived in, but that said, I am a relentless friend-maker very, very skilled at breaking into insular communities.

Bashing people over the head with insistent friendship is definitely a skill, but it is a learnable skill for anyone who wants to break into communities where everyone has been friends since middle school.

Aren't you kind of a unicorn though :) ?

We lesser mortals may struggle with such special skillsets.

Metalcat

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Re: Does Mustachianism Undervalue Collective Human Capital?
« Reply #14 on: April 05, 2024, 12:34:59 PM »
I don’t see the link between living in a higher or lower cost area and having or not having access to these kinds of benefits from other humans around us. Except maybe if you were planning to move somewhere so far away from any neighbours that there is literally no one around.


I have lived in many locations as an adult, rural to large city, and I have found that the LerCOL, more rural locations have been more insular and much harder to make the type of friends who help.  Mostly because they already have their own networks that are a generation or two old.

People are polite and even friendly, but aren't interested in expanding their networks.

However, as my current area has become more affluent, and older families can no longer afford to live here and new families move in, it has become easier to make those types of friends. On the other hand, I couldn't afford to buy a house in my area now if I was just buying in?

I think discounting networks is foolhardy, especially if you have kids.

This hasn't been my experience in any of the small communities I've lived in, but that said, I am a relentless friend-maker very, very skilled at breaking into insular communities.

Bashing people over the head with insistent friendship is definitely a skill, but it is a learnable skill for anyone who wants to break into communities where everyone has been friends since middle school.

Aren't you kind of a unicorn though :) ?

We lesser mortals may struggle with such special skillsets.

Lol, n'ah, I'm just really fucking determined to connect with people.

You have to engineer ways to do difficult things with people, which can be tricky, but it's pretty failsafe.

Fru-Gal

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Re: Does Mustachianism Undervalue Collective Human Capital?
« Reply #15 on: April 05, 2024, 01:00:38 PM »
Community is super important. Giving it a name like collective human capital seems gross.

Community is most important when you have kids. You can choose to be isolated from everyone, but it is cruel to do this to your children and deprive them of the skills @Metalcat is talking about.

Also community exists all around you, whether you interact with it or not. Much of it, in today’s USA, is government-organized (local/state/federal) because we have a functioning democracy. As a result people today may be less likely to interact with other traditional community hubs like schools, churches, sports, neighborhood, etc. But those things are still there.

Probably the fastest way to be welcomed into a community is to join an organized religion. They are always seeking converts, and thrive on engineering interaction (coffee hour, events, volunteer activities, charity, education, retreats, etc).

A cool but weird thing that has happened with the Internet is the ability to connect and vet people all over the world and form virtual community. Then the idea of corporations becoming the hub for these things came along with social media and then the “sharing economy” with AirBnB, Uber, eBay, etc. where a middle man guarantees security (while taking a large cut and hollowing out a previously existing trade such as taxi drivers). It’s a pretty good thing for the most part (see this forum) except when bad actors get involved.

But at the very minimum, your neighborhood should be a starting point, with basic things like knowing each others’ phone numbers, holiday gifts, setting free items out on the sidewalk (huge thing where I live), kids playing, etc.


Zikoris

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Re: Does Mustachianism Undervalue Collective Human Capital?
« Reply #16 on: April 05, 2024, 11:44:32 PM »
I value the social aspect, but honestly I just don't need help from people for the most part, so people helping me with stuff is not something I think about at all. I definitely do not borrow things from people - I'm not opposed in theory, but I can't think of anything I would want or need.

2Birds1Stone

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Re: Does Mustachianism Undervalue Collective Human Capital?
« Reply #17 on: April 06, 2024, 01:20:22 AM »
I value the social aspect, but honestly I just don't need help from people for the most part, so people helping me with stuff is not something I think about at all. I definitely do not borrow things from people - I'm not opposed in theory, but I can't think of anything I would want or need.

Don't you live dab center in a giant metropolis and thus have access to housing, food, and everything else you need due to the fact that other people are there to provide it/create a collective need for it?

NorthernIkigai

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Re: Does Mustachianism Undervalue Collective Human Capital?
« Reply #18 on: April 06, 2024, 01:41:32 AM »
I value the social aspect, but honestly I just don't need help from people for the most part, so people helping me with stuff is not something I think about at all. I definitely do not borrow things from people - I'm not opposed in theory, but I can't think of anything I would want or need.

Don't you live dab center in a giant metropolis and thus have access to housing, food, and everything else you need due to the fact that other people are there to provide it/create a collective need for it?

I’d say “strangers using the same pavement and supermarkt as I do, thereby supporting the existence of such services” is very different from “a network of specific individuals I know who will lend me a hammer or watch my kid”.

Metalcat

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Re: Does Mustachianism Undervalue Collective Human Capital?
« Reply #19 on: April 06, 2024, 05:06:53 AM »
I value the social aspect, but honestly I just don't need help from people for the most part, so people helping me with stuff is not something I think about at all. I definitely do not borrow things from people - I'm not opposed in theory, but I can't think of anything I would want or need.

Don't you live dab center in a giant metropolis and thus have access to housing, food, and everything else you need due to the fact that other people are there to provide it/create a collective need for it?

I’d say “strangers using the same pavement and supermarkt as I do, thereby supporting the existence of such services” is very different from “a network of specific individuals I know who will lend me a hammer or watch my kid”.

This is extremely true.

I live half time in the center of a major city and halftime in a remote, rural, insular small fishing village. Even though I grew up in the city area, I have more of a network in the rural area even though I've only lived there for a total of 8 months over 2 years.

There's a massive difference between living *around* a ton of people and living *among* people. In fact, every time I come back from the remote village, it takes me time to adjust to the city people around me being just people and not neighbours.

In the city I live in a highrise complex and I can barely recognize the majority of the humans who share my street address.


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Re: Does Mustachianism Undervalue Collective Human Capital?
« Reply #20 on: April 06, 2024, 06:54:46 AM »
I value the social aspect, but honestly I just don't need help from people for the most part, so people helping me with stuff is not something I think about at all. I definitely do not borrow things from people - I'm not opposed in theory, but I can't think of anything I would want or need.

Don't you live dab center in a giant metropolis and thus have access to housing, food, and everything else you need due to the fact that other people are there to provide it/create a collective need for it?

I’d say “strangers using the same pavement and supermarkt as I do, thereby supporting the existence of such services” is very different from “a network of specific individuals I know who will lend me a hammer or watch my kid”.

This is extremely true.

I live half time in the center of a major city and halftime in a remote, rural, insular small fishing village. Even though I grew up in the city area, I have more of a network in the rural area even though I've only lived there for a total of 8 months over 2 years.

There's a massive difference between living *around* a ton of people and living *among* people. In fact, every time I come back from the remote village, it takes me time to adjust to the city people around me being just people and not neighbours.

In the city I live in a highrise complex and I can barely recognize the majority of the humans who share my street address.

Yeah - I am always surprised whenever I visit my brother who lives in the country at the constant stream of social get togethers and activities they have. Even the most introverted people get immediately welcomed and pulled in to the community. Of course - there is virtually no physical infrastructure there unless you count cows and corn fields. So they have nothing else to do except get together and play volleyball and shoot off fireworks, make good food, ride 4 wheelers and dirt bikes, etc.

I live in the suburbs and am surrounded by people, and I grew up where I live. I have a fairly large social network of family and friends and in laws here, but the general feeling of community is sort of lacking. A lot of my neighbors seem to only want to talk about guns and trucks and the general gloominess of their personal lives and how horrible life is in general. They seem to lack a general passion for life, and just generally seem less happy than the country folk.

I always wondered if this is just a personal observation, or if people who live in rural areas really are more happy and have tighter knit communities than urban / suburban folds for some reason, or if I just live in the wrong area lol.

Metalcat

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Re: Does Mustachianism Undervalue Collective Human Capital?
« Reply #21 on: April 06, 2024, 06:59:16 AM »

Yeah - I am always surprised whenever I visit my brother who lives in the country at the constant stream of social get togethers and activities they have. Even the most introverted people get immediately welcomed and pulled in to the community. Of course - there is virtually no physical infrastructure there unless you count cows and corn fields. So they have nothing else to do except get together and play volleyball and shoot off fireworks, make good food, ride 4 wheelers and dirt bikes, etc.

I live in the suburbs and am surrounded by people, and I grew up where I live. I have a fairly large social network of family and friends and in laws here, but the general feeling of community is sort of lacking. A lot of my neighbors seem to only want to talk about guns and trucks and the general gloominess of their personal lives and how horrible life is in general. They seem to lack a general passion for life, and just generally seem less happy than the country folk.

I always wondered if this is just a personal observation, or if people who live in rural areas really are more happy and have tighter knit communities than urban / suburban folds for some reason, or if I just live in the wrong area lol.

I've lived in some pretty miserable small towns, but overall, the experience of living in a small town is a bit like being in highschool forever. Lol.

NorthernIkigai

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Re: Does Mustachianism Undervalue Collective Human Capital?
« Reply #22 on: April 06, 2024, 10:05:01 AM »
I value the social aspect, but honestly I just don't need help from people for the most part, so people helping me with stuff is not something I think about at all. I definitely do not borrow things from people - I'm not opposed in theory, but I can't think of anything I would want or need.

Don't you live dab center in a giant metropolis and thus have access to housing, food, and everything else you need due to the fact that other people are there to provide it/create a collective need for it?

I’d say “strangers using the same pavement and supermarkt as I do, thereby supporting the existence of such services” is very different from “a network of specific individuals I know who will lend me a hammer or watch my kid”.

This is extremely true.

I live half time in the center of a major city and halftime in a remote, rural, insular small fishing village. Even though I grew up in the city area, I have more of a network in the rural area even though I've only lived there for a total of 8 months over 2 years.

There's a massive difference between living *around* a ton of people and living *among* people. In fact, every time I come back from the remote village, it takes me time to adjust to the city people around me being just people and not neighbours.

In the city I live in a highrise complex and I can barely recognize the majority of the humans who share my street address.

Yeah - I am always surprised whenever I visit my brother who lives in the country at the constant stream of social get togethers and activities they have. Even the most introverted people get immediately welcomed and pulled in to the community. Of course - there is virtually no physical infrastructure there unless you count cows and corn fields. So they have nothing else to do except get together and play volleyball and shoot off fireworks, make good food, ride 4 wheelers and dirt bikes, etc.

I live in the suburbs and am surrounded by people, and I grew up where I live. I have a fairly large social network of family and friends and in laws here, but the general feeling of community is sort of lacking. A lot of my neighbors seem to only want to talk about guns and trucks and the general gloominess of their personal lives and how horrible life is in general. They seem to lack a general passion for life, and just generally seem less happy than the country folk.

I always wondered if this is just a personal observation, or if people who live in rural areas really are more happy and have tighter knit communities than urban / suburban folds for some reason, or if I just live in the wrong area lol.

It really, really depends, both on the specific location and on something as simple as which phase of life you are in at that moment. The capital I live in, which is very big for this corner of the world but is only called a metropolis in jest, has been very different depending on which part we’ve lived in and when. Where we live now, it’s very easy to strike up a conversation with anyone, and people get together both in real life and in FB groups to enjoy each others company and help each other out. Where we lived before, a mere few kilometers away, people tended to either be wealthy middle age people spending their weekends away from home or students/young professionals who didn’t bother getting to know their neighbours since they’d move somewhere else within a couple of years anyway.

Having kids or dogs helps a lot in terms of getting to know people. As does having sociable hobbies like running groups or language classes. But you can’t make friends by trying to make friends (it’s a bit like trying to meet interesting people to date…), you have to be genuinely interested and interesting.

Metalcat

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Re: Does Mustachianism Undervalue Collective Human Capital?
« Reply #23 on: April 06, 2024, 10:19:36 AM »

It really, really depends, both on the specific location and on something as simple as which phase of life you are in at that moment. The capital I live in, which is very big for this corner of the world but is only called a metropolis in jest, has been very different depending on which part we’ve lived in and when. Where we live now, it’s very easy to strike up a conversation with anyone, and people get together both in real life and in FB groups to enjoy each others company and help each other out. Where we lived before, a mere few kilometers away, people tended to either be wealthy middle age people spending their weekends away from home or students/young professionals who didn’t bother getting to know their neighbours since they’d move somewhere else within a couple of years anyway.

Having kids or dogs helps a lot in terms of getting to know people. As does having sociable hobbies like running groups or language classes. But you can’t make friends by trying to make friends (it’s a bit like trying to meet interesting people to date…), you have to be genuinely interested and interesting.

I mean...you can, but it takes some creative thinking. I built a table despite having absolutely no idea how to build a table just because I wanted to become best friends with someone quickly.

Zikoris

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Re: Does Mustachianism Undervalue Collective Human Capital?
« Reply #24 on: April 06, 2024, 10:41:59 AM »
I value the social aspect, but honestly I just don't need help from people for the most part, so people helping me with stuff is not something I think about at all. I definitely do not borrow things from people - I'm not opposed in theory, but I can't think of anything I would want or need.

Don't you live dab center in a giant metropolis and thus have access to housing, food, and everything else you need due to the fact that other people are there to provide it/create a collective need for it?

Except that's not remotely what people are talking about here? This is a thread about social ties and friends helping each other.

eyesonthehorizon

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Re: Does Mustachianism Undervalue Collective Human Capital?
« Reply #25 on: April 07, 2024, 12:36:02 AM »
I value the social aspect, but honestly I just don't need help from people for the most part, so people helping me with stuff is not something I think about at all. I definitely do not borrow things from people - I'm not opposed in theory, but I can't think of anything I would want or need.

Don't you live dab center in a giant metropolis and thus have access to housing, food, and everything else you need due to the fact that other people are there to provide it/create a collective need for it?

Except that's not remotely what people are talking about here? This is a thread about social ties and friends helping each other.

I see your point - obviously it’s not the same as engaging with those people on a personal reciprocal level - but city living & especially renting in a multi-unit building (iirc you rent?) is itself outsourcing a lot of what people otherwise use those social ties for, so saying you don’t participate in an informal borrowing economy is itself a spotlight on the fact that all the goods & services that make life (even a hyper-frugal life like yours) possible are available for purchase (or publicly provided) from other people. You “don’t need help from people for the most part” because what you do get from others isn’t considered “help”, it’s either purchased or public service.

In the middle of nowhere, though, there’s often no choice but to seek help from people you know because services aren’t professionally available or new goods aren’t timely. So 2Birds was pointing out the potato-potahto of “help from other people” - your needful things still all come from other people - but most of the time, in no small part because of where you live, your needs can be (affordably!) abstracted into the transactions of paying others (or paying taxes, same thing) rather than forced reliance on informal social ties to get them.

I’m betting you see what I mean, so pivoting to how this relates to OP’s question: most forms of capital - density, social ties, personal assets, personal skills - can be partially substituted. Absent density, you need some combination of skills, a lot more money, or personal connections.

What the implicit wealth of dense urbanism creates is a choice about whether to enmesh personally or not because cities offer impersonalized “collective human capital.”

Say your high rise roof is leaking or heat’s out. Call the rental office or notify the building association - it’s paid by your rent or fees. A professional repairperson will be out with their equipped truck in hours. If you live in the middle of nowhere instead, you can be handy yourself, or be rich enough to pay extra for the extended service area... but your likely best & fastest bet is to call Jim from two doors over, & he’ll have to borrow Mary’s toolkit because his brother is using his that weekend.

Need to get 30 miles from home? Trains & buses are professionally operated, or an Uber driver can be there in a pinch. Unless you live in the sticks - either you have to fork out to own or rent a car, or you schedule for Terry’s day off.

Vacation’s coming up & you want a fresh read without paying sticker price, so you go to the library... unless you’re in an unincorporated area, where it’s either an extra week’s delay even with pricy shipping, or you call Sue, the only other reader in town, to see if she has anything you can borrow.

When the impersonal relationships to get these things, with the roofer, driver, librarian, are on tap, you don’t notice them as dependencies; you don’t have to acknowledge & attend to them as a form of as “collective human capital” to get by day-to-day. Since the majority of humans on earth do live in cities, that’s the subtle bias you will hear most often on the forum. Hopping on a rental bike to a 24-hour grocery store can take the place of asking the neighbor for the proverbial cup of sugar, but either is the benefit of “collective human capital,” whether taxpayer-funded, market-created, or personally cultivated.

To OP’s exact question, although mustachianism promotes accumulation of several forms of wealth that can be substituted for personal ties, such as personal skills & personal assets, mustachianism never suggested isolation was a desirable. Just the opposite - MMM blogged on many occasions about the joys of using the free time income-producing assets buy to make close friends wherever you live or move, helping each other in neighborly & friendly fashion with learned skills.

The relationship between assets & ties also becomes a feedback loop, allowing the mustachian community to replace spendy nights out on the town with social backyard barbecues or costly plumber calls with clever friends. Part of the ongoing commitment to frugality comes not from a desire to conserve money but from the genuine opportunities for human connection or learning which would be missed out on by a non-frugal person who simply throws money at the problem. By not turning to money, we’re more likely to habitually turn to skills or connections.

Aside from the many construction projects/ work parties at friends’ homes he’s blogged about over the years, & the coworking space he founded, he even bought a house (wasn’t it next door?) to help a friend move into the neighborhood - he’s caught flack for saying people should make friends they don’t need a car to visit, so this was a good, if dramatic, example of commitment to the idea. Rich community is a core ideal in the original blog.

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Re: Does Mustachianism Undervalue Collective Human Capital?
« Reply #26 on: April 07, 2024, 12:56:05 AM »
I see your point - obviously it’s not the same as engaging with those people on a personal reciprocal level - but city living & especially renting in a multi-unit building (iirc you rent?) is itself outsourcing a lot of what people otherwise use those social ties for, so saying you don’t participate in an informal borrowing economy is itself a spotlight on the fact that all the goods & services that make life (even a hyper-frugal life like yours) possible are available for purchase (or publicly provided) from other people. You “don’t need help from people for the most part” because what you do get from others isn’t considered “help”, it’s either purchased or public service.

In the middle of nowhere, though, there’s often no choice but to seek help from people you know because services aren’t professionally available or new goods aren’t timely. So 2Birds was pointing out the potato-potahto of “help from other people” - your needful things still all come from other people - but most of the time, in no small part because of where you live, your needs can be (affordably!) abstracted into the transactions of paying others (or paying taxes, same thing) rather than forced reliance on informal social ties to get them.

I’m betting you see what I mean, so pivoting to how this relates to OP’s question: most forms of capital - density, social ties, personal assets, personal skills - can be partially substituted. Absent density, you need some combination of skills, a lot more money, or personal connections.

What the implicit wealth of dense urbanism creates is a choice about whether to enmesh personally or not because cities offer impersonalized “collective human capital.”

Say your high rise roof is leaking or heat’s out. Call the rental office or notify the building association - it’s paid by your rent or fees. A professional repairperson will be out with their equipped truck in hours. If you live in the middle of nowhere instead, you can be handy yourself, or be rich enough to pay extra for the extended service area... but your likely best & fastest bet is to call Jim from two doors over, & he’ll have to borrow Mary’s toolkit because his brother is using his that weekend.

Need to get 30 miles from home? Trains & buses are professionally operated, or an Uber driver can be there in a pinch. Unless you live in the sticks - either you have to fork out to own or rent a car, or you schedule for Terry’s day off.

Vacation’s coming up & you want a fresh read without paying sticker price, so you go to the library... unless you’re in an unincorporated area, where it’s either an extra week’s delay even with pricy shipping, or you call Sue, the only other reader in town, to see if she has anything you can borrow.

When the impersonal relationships to get these things, with the roofer, driver, librarian, are on tap, you don’t notice them as dependencies; you don’t have to acknowledge & attend to them as a form of as “collective human capital” to get by day-to-day. Since the majority of humans on earth do live in cities, that’s the subtle bias you will hear most often on the forum. Hopping on a rental bike to a 24-hour grocery store can take the place of asking the neighbor for the proverbial cup of sugar, but either is the benefit of “collective human capital,” whether taxpayer-funded, market-created, or personally cultivated.

To OP’s exact question, although mustachianism promotes accumulation of several forms of wealth that can be substituted for personal ties, such as personal skills & personal assets, mustachianism never suggested isolation was a desirable. Just the opposite - MMM blogged on many occasions about the joys of using the free time income-producing assets buy to make close friends wherever you live or move, helping each other in neighborly & friendly fashion with learned skills.

The relationship between assets & ties also becomes a feedback loop, allowing the mustachian community to replace spendy nights out on the town with social backyard barbecues or costly plumber calls with clever friends. Part of the ongoing commitment to frugality comes not from a desire to conserve money but from the genuine opportunities for human connection or learning which would be missed out on by a non-frugal person who simply throws money at the problem. By not turning to money, we’re more likely to habitually turn to skills or connections.

Aside from the many construction projects/ work parties at friends’ homes he’s blogged about over the years, & the coworking space he founded, he even bought a house (wasn’t it next door?) to help a friend move into the neighborhood - he’s caught flack for saying people should make friends they don’t need a car to visit, so this was a good, if dramatic, example of commitment to the idea. Rich community is a core ideal in the original blog.

I can see where you're coming from if you take it to a RIDICULOUSLY abstract level. But for the most part, I don't need help with things either in a direct OR abstract way, because the things people help with are just not things I need at all. I don't need someone to watch my nonexistent kids/pets, or fix my nonexistent car. I don't need someone to shovel my nonexistent driveway or mow my nonexistent lawn or lend me money to pay off my nonexistent debt. I sure as shit do not want to eat most other people's cooking, sick or otherwise. I do not purchase any of those services. I don't don't have, need, or want them in the first place.

For anything home-repair-related, landlords in rural areas have the same obligations to fix a leaky roof that my city apartment complex does. I personally found that my small-town landlords were much more prompt at fixing things than my city landlords.

2Birds1Stone

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Re: Does Mustachianism Undervalue Collective Human Capital?
« Reply #27 on: April 07, 2024, 02:12:05 AM »
@eyesonthehorizon is picking up what I'm putting down.

From the first page of your journal......

So, my rent is pretty low. $776, which I split with my boyfriend. Yay for more money in the bank! Early retirement sooner! Huzzah!

"But wait, how can that be? Don't you live in a fancy-pants downtown Vancouver apartment, shouldn't you be paying like $10,000,000 a month???!?!"

I live in something called co-operative housing. It operates like a blend of a strata and a rental building, except it's entirely non-profit and run by the members. We have an elected board of directors, as well as committees in charge of finance, gardening, interviewing people who want to join, and so on. The co-op I live in is huge enough that we can afford office staff and janitors, but some of the smaller co-ops require members to help with those things as well. It's pretty great. The co-op also offers a portion of the units to low income people with rent geared to income, which helps a lot of people who could not afford to live elsewhere.

"So you, a rich Mustachian, are taking away a subsidized housing spot that could go to some poor single mom? You monster!"

Nope. Co-ops are a mix of subsidized and market units. I'm in a market one, which requires a minimum income level to even get in, so the poor single mom would not qualify. If I were to leave I could only be replaced by a couple or single person with comparable income.

"Don't you have to volunteer about a gazillion hours a month? I could never devote every free minute to that!"

Nope. given that this co-op has hundreds of members, people really don't need to do much. I put in about four or five hours a month, and my boyfriend does about the same. A lot of people do one or two hours. Many do none. Some of the gardening people do a lot, but that's because gardening is their hobby as well as their volunteer work.

"Ok, this is actually sounding pretty cool. How do I get in on the action?"

Glad you asked! Here's a directory of most of the co-ops in British Columbia: http://www.chf.bc.ca/what-co-op-housing/find-a-co-op. Outside of this province, you're on your own.

From your own blog......

"Another great option is your local school board. A lot of high schools make some extra money by offering classes to adults on weekend and in the summer, generally at very reasonable prices. Personally, I took an eight week summer sewing program through the local school board a few years ago, and have had no trouble repairing all my clothes and creating simple pieces ever since! I remember looking through the calendar and being quite impressed by the offerings as well – they had everything from cooking to bike repair. It feels a little like going back in time to be sitting in a high school home economics classroom learning to thread a sewing machine, but overall it’s a fun experience.

Our local library and community centers here in Vancouver also put on a TON of workshops for free or quite low cost, covering a wide variety of DIY ground – I’ve seen a lot advertised for things like gardening, canning, composting, cooking, and so on. I haven’t actually taken any, but they seem like a great option for anyone looking to learn!

Don’t be afraid to ask people to teach you. I’ve learned a ton of skills from other people, and have also taught a lot of people how to do various things. If you know some badass DIYer you want to emulate, just ask!

Finally, don’t be too hard on yourself if you’re starting from DIY-zero. It takes time to learn this stuff, but if you consistently work at it, you’ll be knitting hats and preserving your garden harvest in no time."

https://incomingassets.wordpress.com/2017/03/17/how-do-you-learn-diy-skills-anyway/#more-158676
« Last Edit: April 07, 2024, 02:25:05 AM by 2Birds1Stone »

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Re: Does Mustachianism Undervalue Collective Human Capital?
« Reply #28 on: April 07, 2024, 02:27:37 AM »
I guess my point is, there are different levels of human capital and it's not just limited to borrowing a table saw from your next door neighbor in exchange for some of your home baked muffins. Cities and other areas with higher concentrations of civilizations thrive because it's built into the system to a degree.

Great discussion btw. This is a topic that's covered very regularly over on the ERE forums. Over there, there is an understanding that financial capital only takes you so far.....to be truly resilient is to have skills and connections that make you less reliant on one form of capital.

eyesonthehorizon

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Re: Does Mustachianism Undervalue Collective Human Capital?
« Reply #29 on: April 07, 2024, 02:35:13 AM »
Aha, I was too late, 2Birds beat me. I still think some of this relates & will probably fall asleep so I’ll send anyway. But I do love the ERE spin on the limits of financial capital - something I think many people only grasp once they have “enough” of same.

I can see where you're coming from if you take it to a RIDICULOUSLY abstract level. But for the most part, I don't need help with things either in a direct OR abstract way, because the things people help with are just not things I need at all. I don't need someone to watch my nonexistent kids/pets, or fix my nonexistent car. I don't need someone to shovel my nonexistent driveway or mow my nonexistent lawn or lend me money to pay off my nonexistent debt. I sure as shit do not want to eat most other people's cooking, sick or otherwise. I do not purchase any of those services. I don't don't have, need, or want them in the first place.

For anything home-repair-related, landlords in rural areas have the same obligations to fix a leaky roof that my city apartment complex does. I personally found that my small-town landlords were much more prompt at fixing things than my city landlords.

The abstraction is the point - it’s abstracted for us as urbanites that we aren’t responsible for hauling our own trash to burn pits or landfill or (for those of us with muni recycling pickup) the recycling center, that we don’t have to pave our own frequently used pathways, that water keeps coming into our homes gravity/ pump-fed & already clean without our maintaining those systems ourselves. People who live outside urban areas with these amenities can see clearly that this is human labor being lifted off the individual & their circle of family & friends, real needs which are met by other people on our behalf, as a benefit of living around enough other people for those things to be someone’s fulltime job & paid by taxes. (Often those responsible for the labor were dead before we were even born, adding another layer of perceived distance - but we still only benefit because we live where they did, which is the point in saying nobody is independent.)

Second, we are biased to only notice needs for/ consumption of others’ labor in other people that we don’t need or want, because it makes us wonder why those lunatics want to live that way. It’s memorable because picturing ourselves doing the same is horribly uncomfortable, whereas when we see needs we share, we gloss over them as “universal” & so beneath comment. But when you buy greens at the local shop for cash & someone else swaps tomatoes for greens from their neighbor’s garden each year instead of driving into town, the same need - getting salad with lowest individual friction or effort relative to growing it oneself - is being met in each case through interdependent human relationships, just one is impersonal, mediated through money, & so called “independent,” & the other personal & referred to as “helping each other.” It’s a cultural dissimulation that the first differs meaningfully from the second in terms of human dependencies, it just has more redundancy.

Where you live - its density & its culture as a metropolis - tilts the odds overwhelmingly in favor of just handing over cash when you need something from someone else, but anytime you hand over cash, some human is on the other end meeting your needs. 2Birds’ comment highlighted the quite high degree to which urbanites receive the things they need as a consequence of the aggregate value of all those people in one place - helping each other unwittingly & impersonally by doing labor for each other (including you) in exchange for money among other incentives. After all, why live there? Because those people in their interdependencies make your life economically efficient, ecologically sensible, healthy & enjoyable.

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Re: Does Mustachianism Undervalue Collective Human Capital?
« Reply #30 on: April 07, 2024, 05:27:19 AM »
Aha, I was too late, 2Birds beat me. I still think some of this relates & will probably fall asleep so I’ll send anyway. But I do love the ERE spin on the limits of financial capital - something I think many people only grasp once they have “enough” of same.

I can see where you're coming from if you take it to a RIDICULOUSLY abstract level. But for the most part, I don't need help with things either in a direct OR abstract way, because the things people help with are just not things I need at all. I don't need someone to watch my nonexistent kids/pets, or fix my nonexistent car. I don't need someone to shovel my nonexistent driveway or mow my nonexistent lawn or lend me money to pay off my nonexistent debt. I sure as shit do not want to eat most other people's cooking, sick or otherwise. I do not purchase any of those services. I don't don't have, need, or want them in the first place.

For anything home-repair-related, landlords in rural areas have the same obligations to fix a leaky roof that my city apartment complex does. I personally found that my small-town landlords were much more prompt at fixing things than my city landlords.

The abstraction is the point - it’s abstracted for us as urbanites that we aren’t responsible for hauling our own trash to burn pits or landfill or (for those of us with muni recycling pickup) the recycling center, that we don’t have to pave our own frequently used pathways, that water keeps coming into our homes gravity/ pump-fed & already clean without our maintaining those systems ourselves. People who live outside urban areas with these amenities can see clearly that this is human labor being lifted off the individual & their circle of family & friends, real needs which are met by other people on our behalf, as a benefit of living around enough other people for those things to be someone’s fulltime job & paid by taxes. (Often those responsible for the labor were dead before we were even born, adding another layer of perceived distance - but we still only benefit because we live where they did, which is the point in saying nobody is independent.)

Second, we are biased to only notice needs for/ consumption of others’ labor in other people that we don’t need or want, because it makes us wonder why those lunatics want to live that way. It’s memorable because picturing ourselves doing the same is horribly uncomfortable, whereas when we see needs we share, we gloss over them as “universal” & so beneath comment. But when you buy greens at the local shop for cash & someone else swaps tomatoes for greens from their neighbor’s garden each year instead of driving into town, the same need - getting salad with lowest individual friction or effort relative to growing it oneself - is being met in each case through interdependent human relationships, just one is impersonal, mediated through money, & so called “independent,” & the other personal & referred to as “helping each other.” It’s a cultural dissimulation that the first differs meaningfully from the second in terms of human dependencies, it just has more redundancy.

Where you live - its density & its culture as a metropolis - tilts the odds overwhelmingly in favor of just handing over cash when you need something from someone else, but anytime you hand over cash, some human is on the other end meeting your needs. 2Birds’ comment highlighted the quite high degree to which urbanites receive the things they need as a consequence of the aggregate value of all those people in one place - helping each other unwittingly & impersonally by doing labor for each other (including you) in exchange for money among other incentives. After all, why live there? Because those people in their interdependencies make your life economically efficient, ecologically sensible, healthy & enjoyable.

This *really* resonates with me as a disabled person who lives in both a large city and a tiny remote community.

Because I live in two radically different environments with extremely different community dynamics, I'm acutely aware of what I have and don't have in each location in terms of social ecosystem, both personal and impersonal. I am extremely aware of the "human capital" I don't have access to in the remote community, particularly highly skilled professionals.

This week I'm very aware of my access to computer repair service people, lol.

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Re: Does Mustachianism Undervalue Collective Human Capital?
« Reply #31 on: April 07, 2024, 11:25:28 AM »
We have a couple of hobbies that can lead to an instant community just about anywhere. Even if we didn't find that hobby group ourselves, the friend of a friend effect would kick in for big situations. For the little things, we often are the human capital rather than the beneficiaries of it.

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Re: Does Mustachianism Undervalue Collective Human Capital?
« Reply #32 on: April 07, 2024, 11:42:32 AM »
@eyesonthehorizon is picking up what I'm putting down.

From the first page of your journal......

So, my rent is pretty low. $776, which I split with my boyfriend. Yay for more money in the bank! Early retirement sooner! Huzzah!

"But wait, how can that be? Don't you live in a fancy-pants downtown Vancouver apartment, shouldn't you be paying like $10,000,000 a month???!?!"

I live in something called co-operative housing. It operates like a blend of a strata and a rental building, except it's entirely non-profit and run by the members. We have an elected board of directors, as well as committees in charge of finance, gardening, interviewing people who want to join, and so on. The co-op I live in is huge enough that we can afford office staff and janitors, but some of the smaller co-ops require members to help with those things as well. It's pretty great. The co-op also offers a portion of the units to low income people with rent geared to income, which helps a lot of people who could not afford to live elsewhere.

"So you, a rich Mustachian, are taking away a subsidized housing spot that could go to some poor single mom? You monster!"

Nope. Co-ops are a mix of subsidized and market units. I'm in a market one, which requires a minimum income level to even get in, so the poor single mom would not qualify. If I were to leave I could only be replaced by a couple or single person with comparable income.

"Don't you have to volunteer about a gazillion hours a month? I could never devote every free minute to that!"

Nope. given that this co-op has hundreds of members, people really don't need to do much. I put in about four or five hours a month, and my boyfriend does about the same. A lot of people do one or two hours. Many do none. Some of the gardening people do a lot, but that's because gardening is their hobby as well as their volunteer work.

"Ok, this is actually sounding pretty cool. How do I get in on the action?"

Glad you asked! Here's a directory of most of the co-ops in British Columbia: http://www.chf.bc.ca/what-co-op-housing/find-a-co-op. Outside of this province, you're on your own.

From your own blog......

"Another great option is your local school board. A lot of high schools make some extra money by offering classes to adults on weekend and in the summer, generally at very reasonable prices. Personally, I took an eight week summer sewing program through the local school board a few years ago, and have had no trouble repairing all my clothes and creating simple pieces ever since! I remember looking through the calendar and being quite impressed by the offerings as well – they had everything from cooking to bike repair. It feels a little like going back in time to be sitting in a high school home economics classroom learning to thread a sewing machine, but overall it’s a fun experience.

Our local library and community centers here in Vancouver also put on a TON of workshops for free or quite low cost, covering a wide variety of DIY ground – I’ve seen a lot advertised for things like gardening, canning, composting, cooking, and so on. I haven’t actually taken any, but they seem like a great option for anyone looking to learn!

Don’t be afraid to ask people to teach you. I’ve learned a ton of skills from other people, and have also taught a lot of people how to do various things. If you know some badass DIYer you want to emulate, just ask!

Finally, don’t be too hard on yourself if you’re starting from DIY-zero. It takes time to learn this stuff, but if you consistently work at it, you’ll be knitting hats and preserving your garden harvest in no time."

https://incomingassets.wordpress.com/2017/03/17/how-do-you-learn-diy-skills-anyway/#more-158676

Again, you're taking it to an absolute extreme of abstraction, basically "but have you factored in your reliance on Thomas Edison for inventing lightbulbs?" - everything I'm saying in in relation to the OP, which was talking about human capital in the sense of "A few examples: friends letting us borrow tools, helping fix a car or tune up a bike for free, babysitting our kid for free, letting us borrow a truck and help move a large appliance, cooking meals for us when were sick, a friend giving us a no-interest loan to pay off student loans faster.", and somehow now people are interpreting that as "Well what about the collective will to build sidewalks", which is just pedantic and ridiculous.

Also, let it be known that I am rural born-and-raised, have experienced both thoroughly, absolutely prefer small town living, and hope to never live in a city again after retirement. I live in the city because my job is here, that's it.

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Re: Does Mustachianism Undervalue Collective Human Capital?
« Reply #33 on: April 07, 2024, 04:16:04 PM »
Ok @Zikoris, it's a waste of time posting anything contrary to your narrow opinions on the topic.

Clearly you're confusing social capital with human capital, which is fine.

OP may be as well in the original post.

It's hardly an "absolute of extreme abstraction" when you literally talk about living in co-op housing and learning DIY skills from other people, or toting the fact that your community centers and libraries are places where one can acquire skills (human capital) for little or no cost.

Have a nice day :)

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Re: Does Mustachianism Undervalue Collective Human Capital?
« Reply #34 on: April 07, 2024, 04:28:20 PM »
I have to agree with 2birds and eyesonthehorizon here, I don't think the abstraction is either extreme or irrelevant. In fact, I hardly see any difference at all between borrowing neighbour's tools or having someone teach you how to sew. Both are services that can be acquired through social capital (borrowing from friends) or through monetary capital (paying someone directly or indirectly to provide these things).

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Re: Does Mustachianism Undervalue Collective Human Capital?
« Reply #35 on: April 07, 2024, 05:03:14 PM »
I have to agree with 2birds and eyesonthehorizon here, I don't think the abstraction is either extreme or irrelevant. In fact, I hardly see any difference at all between borrowing neighbour's tools or having someone teach you how to sew. Both are services that can be acquired through social capital (borrowing from friends) or through monetary capital (paying someone directly or indirectly to provide these things).

This thread is literally OP commenting on the importance of factoring in the value of individual, personal human connections with regards to deciding where to live, specifically things like "A few examples: friends letting us borrow tools, helping fix a car or tune up a bike for free, babysitting our kid for free, letting us borrow a truck and help move a large appliance, cooking meals for us when were sick, a friend giving us a no-interest loan to pay off student loans faster." And my response to that was, "No, that type of thing is not a factor in deciding where I live, because I don't need or want any of those things". That is not any sort of commentary on whether PEOPLE WHO ARE NOT ME should need or want those things, it is simply a reality that the type of help the OP is describing is completely irrelevant to my life, so not a factor in my decision making. I agree that if you need or want those things, and an area you're thinking of moving to does not offer them, that should be a factor in your decision-making process.

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Re: Does Mustachianism Undervalue Collective Human Capital?
« Reply #36 on: April 07, 2024, 05:28:18 PM »
Ok @Zikoris, it's a waste of time posting anything contrary to your narrow opinions on the topic.

Clearly you're confusing social capital with human capital, which is fine.

OP may be as well in the original post.

It's hardly an "absolute of extreme abstraction" when you literally talk about living in co-op housing and learning DIY skills from other people, or toting the fact that your community centers and libraries are places where one can acquire skills (human capital) for little or no cost.

Have a nice day :)

Okay, in the context of this thread please explain how, if I was looking for a new place to live like OP, I should factor in these things into the decision in the way he/she is looking to factor in the things listed originally (babysitting, borrowing tools, etc):

* The fact that I live in a co-op now (keeping in mind co-ops exist everywhere and are not remotely limited to cities, and also I have no particular attachment to living in one in the future)
* The fact that I learned basic cooking skills from my (deceased) grandmother when I was 18, some mechanical/repair knowledge from my dad as a kid/teen, and maybe a few other things in my early 20s that I don't remember off the top of my head (i.e. 10-15 years ago)
* Sewing lessons I took, I think, 10+ years ago at a local high school, something I'm not interested in doing more of in the future
* Community center or library classes, which I have never actually taken in my life so far (I only point them out as possible resources for other people who may find them useful)

How, specifically, are you picturing any of those things being useful factors to consider for determining where I should live now, if I was looking to move?

Posthumane

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Re: Does Mustachianism Undervalue Collective Human Capital?
« Reply #37 on: April 07, 2024, 08:06:25 PM »
This thread is literally OP commenting on the importance of factoring in the value of individual, personal human connections with regards to deciding where to live, specifically things like "A few examples: friends letting us borrow tools, helping fix a car or tune up a bike for free, babysitting our kid for free, letting us borrow a truck and help move a large appliance, cooking meals for us when were sick, a friend giving us a no-interest loan to pay off student loans faster." And my response to that was, "No, that type of thing is not a factor in deciding where I live, because I don't need or want any of those things". That is not any sort of commentary on whether PEOPLE WHO ARE NOT ME should need or want those things, it is simply a reality that the type of help the OP is describing is completely irrelevant to my life, so not a factor in my decision making. I agree that if you need or want those things, and an area you're thinking of moving to does not offer them, that should be a factor in your decision-making process.
I think perhaps the reason that posters like 2birds are questioning your comment about not needing any of those things is that you've specifically written about getting some of those things through social capital. For example, one of your recent blog posts was about traveling somewhere on Vancouver Island, and when someone asked about how you get around without a car you mentioned that when you do long trips you arrange a to go with a friend who has a car. That's pretty close to type of stuff the OP was asking about, though perhaps you're getting caught up on the precise examples you used that don't apply to you.

Most of them don't apply to me either and it's not something that would factor into a decision of where I want to live because, as was pointed out in a previous post, those things can be acquired through other forms of capital. If you have a bike then you must have had to fix it at some point, which means you must have acquired tools through some means such as borrowing (social capital), buying or renting (direct monetary capital), or getting them through something like a library or school program (indirect monetary capital). So there are many things you don't need that other people might due to their chosen lifestyle, but there are other things which you do need but simply don't need to acquire through social connections because you can acquire them in other ways, which is what eyesonthehorizon was talking about in his post. I'm not sure why you are so defensive about that.

Zikoris

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Re: Does Mustachianism Undervalue Collective Human Capital?
« Reply #38 on: April 07, 2024, 08:23:06 PM »
This thread is literally OP commenting on the importance of factoring in the value of individual, personal human connections with regards to deciding where to live, specifically things like "A few examples: friends letting us borrow tools, helping fix a car or tune up a bike for free, babysitting our kid for free, letting us borrow a truck and help move a large appliance, cooking meals for us when were sick, a friend giving us a no-interest loan to pay off student loans faster." And my response to that was, "No, that type of thing is not a factor in deciding where I live, because I don't need or want any of those things". That is not any sort of commentary on whether PEOPLE WHO ARE NOT ME should need or want those things, it is simply a reality that the type of help the OP is describing is completely irrelevant to my life, so not a factor in my decision making. I agree that if you need or want those things, and an area you're thinking of moving to does not offer them, that should be a factor in your decision-making process.
I think perhaps the reason that posters like 2birds are questioning your comment about not needing any of those things is that you've specifically written about getting some of those things through social capital. For example, one of your recent blog posts was about traveling somewhere on Vancouver Island, and when someone asked about how you get around without a car you mentioned that when you do long trips you arrange a to go with a friend who has a car. That's pretty close to type of stuff the OP was asking about, though perhaps you're getting caught up on the precise examples you used that don't apply to you.

Most of them don't apply to me either and it's not something that would factor into a decision of where I want to live because, as was pointed out in a previous post, those things can be acquired through other forms of capital. If you have a bike then you must have had to fix it at some point, which means you must have acquired tools through some means such as borrowing (social capital), buying or renting (direct monetary capital), or getting them through something like a library or school program (indirect monetary capital). So there are many things you don't need that other people might due to their chosen lifestyle, but there are other things which you do need but simply don't need to acquire through social connections because you can acquire them in other ways, which is what eyesonthehorizon was talking about in his post. I'm not sure why you are so defensive about that.

The examples I was using were just the things other people in the thread provided, and in my opinion they were very good examples of things that are extremely valuable to many people (besides myself).

I sometimes do road trips with my dad, though he lives far away so this is not at all a location-dependent "perk" - I would still prioritize spending time with my dad regardless of where I lived. The dynamic is really not a case of me needing my dad's assistance to travel (I travel extensively with my partner already) - if my dad could not drive for some reason (say, he had a medical issue come up) or didn't like road trips, we would do some other sort of trips or activities instead.

Remember that this thread is in the context of factoring in different types of human assistance in deciding whether to move from where you are to somewhere new. So by nature, only types of help that are location-dependent are at all relevant. Like, for example I absolutely rely on the artistic "assistance" of authors to write all the books I like to read, but that's not relevant in the context of deciding where to live, as the same books are available everywhere.

2Birds1Stone

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Re: Does Mustachianism Undervalue Collective Human Capital?
« Reply #39 on: April 07, 2024, 08:44:58 PM »
Are you really that dense? You don't have to answer that ;)

The OP gave some examples of social capital they themselves benefit from, but human capital goes beyond/is not equivalent to just bartering based on social capital.

They also asked for this communities thoughts on the topic of undervaluing human capital. Clearly you're so independent that none of this applies to you (even though others have pointed out, point blank how you have benefited from it, despite your blindness to it).

You live(d) in a nice place in a VHCOL area due to the co-operative nature of the housing system. Paying below market rent due to this very nature of the housing.

"It operates like a blend of a strata and a rental building, except it's entirely non-profit and run by the members. We have an elected board of directors, as well as committees in charge of finance, gardening, interviewing people who want to join, and so on. The co-op I live in is huge enough that we can afford office staff and janitors"

""Don't you have to volunteer about a gazillion hours a month? I could never devote every free minute to that!"

Nope. given that this co-op has hundreds of members, people really don't need to do much. I put in about four or five hours a month, and my boyfriend does about the same."


You throw around words like absolutely and extremely in a comical way. Instead of looking for points to argue, maybe open your mind a bit to the reality that you're benefiting from human/social capital at different levels than some people.

Also, these examples are a FANTASTIC reason to consider location. Maybe you can't borrow tools from a neighbor, but moving somewhere with a library that loans tools or finding a neighborhood with a bicycle repair co-op is a strong reason to consider a specific location.

Anyway, this is my last post responding to your narrow and misunderstood stance on this topic.

To the OP, @ishoutedmyjoy;

These are things that take time to build up on a reciprocal level, I wouldn't just expect them from strangers.......BUT when looking for a place to live, many can be replicated with some creativity and willingness to make friends/connections and/or seek these types of services outside of the typical earn, spend economy.

In many cultures sharing responsibility of things like childcare and cooking is quite common, there are cooperative communities like this in the nordic countries (common in Denmark for example). Similarly from a finance standpoint, in South America there are groups within communities which act like a bank for each other. It's entirely built on trust and doesn't rely on the traditional banking system for loans etc.

You didn't indicate where you're located, but these things vary from culture to culture and community to community.
« Last Edit: April 07, 2024, 08:47:11 PM by 2Birds1Stone »

Zikoris

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Re: Does Mustachianism Undervalue Collective Human Capital?
« Reply #40 on: April 07, 2024, 09:32:25 PM »
Are you really that dense? You don't have to answer that ;)

The OP gave some examples of social capital they themselves benefit from, but human capital goes beyond/is not equivalent to just bartering based on social capital.

They also asked for this communities thoughts on the topic of undervaluing human capital. Clearly you're so independent that none of this applies to you (even though others have pointed out, point blank how you have benefited from it, despite your blindness to it).

You live(d) in a nice place in a VHCOL area due to the co-operative nature of the housing system. Paying below market rent due to this very nature of the housing.

"It operates like a blend of a strata and a rental building, except it's entirely non-profit and run by the members. We have an elected board of directors, as well as committees in charge of finance, gardening, interviewing people who want to join, and so on. The co-op I live in is huge enough that we can afford office staff and janitors"

""Don't you have to volunteer about a gazillion hours a month? I could never devote every free minute to that!"

Nope. given that this co-op has hundreds of members, people really don't need to do much. I put in about four or five hours a month, and my boyfriend does about the same."


You throw around words like absolutely and extremely in a comical way. Instead of looking for points to argue, maybe open your mind a bit to the reality that you're benefiting from human/social capital at different levels than some people.

Also, these examples are a FANTASTIC reason to consider location. Maybe you can't borrow tools from a neighbor, but moving somewhere with a library that loans tools or finding a neighborhood with a bicycle repair co-op is a strong reason to consider a specific location.

Anyway, this is my last post responding to your narrow and misunderstood stance on this topic.

I will point out that I have never said that I never have had help in the past or that I have not benefitted using one of the (many different) options available locally for lower-cost housing. I am asking for the logic behind how you possibly consider the things I did primarily in my teens and early 20s even remotely relevant to the topic at hand, which is how you should factor in human assistance in the decision of where to move. So I will reiterate:

* How is my current housing situation relevant to what city I move to, given I have no inherent need or desire to live in a co-op? In nearly 20 years of adult life I have ALWAYS paid below-market rates for housing everywhere I've lived (majority of which were not co-ops), because I find the cheap places and have low expectations.
* How are the cooking lessons I had with my grandma 20 years ago relevant to deciding where to what city I move to?
* How are the community center and library classes that I have never taken (but do espouse) relevant to deciding what city I move to?
* How is the fact that I spent my late teens and early 20s (10+ years ago) acquiring useful life skills through other people's help and sewing classes at the local high school relevant to deciding what city I move to?

The answer to all of those is of course they're all completely irrelevant, because the only thing that matters for that decision is assistance you currently need or will need in the future.

JupiterGreen

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Re: Does Mustachianism Undervalue Collective Human Capital?
« Reply #41 on: April 08, 2024, 09:44:23 AM »
Correct me if I am wrong, but I believe the longest happiness study (the Harvard one) says that community is one of the most vital things for health, happiness, and longevity. I don't live in my community of people most of the year but I still prioritize them and my relationships high enough to spend a significant amount of time and money on staying connected to them. The connections I have don't have to do with labor like borrowing stuff, childcare or whatever. Not that there is anything wrong with it, but I tend to seek a different kind of reciprocal connecting, one that includes the social and emotional. If I had my life to do all over again, I would prioritize my social network in a HCOL area over living in a LCOL area where I can't seem to connect as well with the people and culture. Anyway, to your question, I do not see this as a direct monetary thing friend/relative= babysitter. But I do see the reciprocal relationship as vital for all the non-monetary parts of our existence. They are worth more than money.
 

GuitarStv

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Re: Does Mustachianism Undervalue Collective Human Capital?
« Reply #42 on: April 08, 2024, 09:49:45 AM »
Most places that you live for an extended period of time will develop social connections and 'human capital' if you try to develop them won't they?

Metalcat

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Re: Does Mustachianism Undervalue Collective Human Capital?
« Reply #43 on: April 08, 2024, 10:04:53 AM »
Most places that you live for an extended period of time will develop social connections and 'human capital' if you try to develop them won't they?

Not if you're someone who struggles with making social connections. I have plenty of clients who have lived in areas for years and have virtually no support network.

GuitarStv

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Re: Does Mustachianism Undervalue Collective Human Capital?
« Reply #44 on: April 08, 2024, 11:30:11 AM »
Most places that you live for an extended period of time will develop social connections and 'human capital' if you try to develop them won't they?

Not if you're someone who struggles with making social connections. I have plenty of clients who have lived in areas for years and have virtually no support network.

I'm someone who struggles to make social connections.  It's a thing that I really have to consciously try to do, and usually involves pushing a bit out of my comfort zone.  If I don't try to develop them they won't happen . . . but if I actively push myself they do.

Metalcat

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Re: Does Mustachianism Undervalue Collective Human Capital?
« Reply #45 on: April 08, 2024, 12:00:25 PM »
Most places that you live for an extended period of time will develop social connections and 'human capital' if you try to develop them won't they?

Not if you're someone who struggles with making social connections. I have plenty of clients who have lived in areas for years and have virtually no support network.

I'm someone who struggles to make social connections.  It's a thing that I really have to consciously try to do, and usually involves pushing a bit out of my comfort zone.  If I don't try to develop them they won't happen . . . but if I actively push myself they do.

Okay, but you do realize that you just said that you can form social connections through effort???

Many people struggle to form social connections regardless of effort, and even worse, tend to alienate people more the more effort they put in.

There's a huge difference between "I have to consciously try to make connections" vs "I lack the skills to make connections."

I stand firm by my initial assertion that plenty of people live in places for a long time and do not/cannot build a social network, regardless of effort.

GuitarStv

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Re: Does Mustachianism Undervalue Collective Human Capital?
« Reply #46 on: April 08, 2024, 12:38:42 PM »
Most places that you live for an extended period of time will develop social connections and 'human capital' if you try to develop them won't they?

Not if you're someone who struggles with making social connections. I have plenty of clients who have lived in areas for years and have virtually no support network.

I'm someone who struggles to make social connections.  It's a thing that I really have to consciously try to do, and usually involves pushing a bit out of my comfort zone.  If I don't try to develop them they won't happen . . . but if I actively push myself they do.

Okay, but you do realize that you just said that you can form social connections through effort???

Many people struggle to form social connections regardless of effort, and even worse, tend to alienate people more the more effort they put in.

There's a huge difference between "I have to consciously try to make connections" vs "I lack the skills to make connections."

I stand firm by my initial assertion that plenty of people live in places for a long time and do not/cannot build a social network, regardless of effort.

Huh.

I'm now picturing a bunch of people who are so unlikable that the more you get to know them and the more they try to be your friend the more you hate them.  But then I'm trying to figure out how they ever had a social network to begin with.  Is their network just composed of family who feel obligated to put up with them then?  Like, how would they have ever developed this support network to begin with?

Metalcat

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Re: Does Mustachianism Undervalue Collective Human Capital?
« Reply #47 on: April 08, 2024, 12:51:26 PM »
Most places that you live for an extended period of time will develop social connections and 'human capital' if you try to develop them won't they?

Not if you're someone who struggles with making social connections. I have plenty of clients who have lived in areas for years and have virtually no support network.

I'm someone who struggles to make social connections.  It's a thing that I really have to consciously try to do, and usually involves pushing a bit out of my comfort zone.  If I don't try to develop them they won't happen . . . but if I actively push myself they do.

Okay, but you do realize that you just said that you can form social connections through effort???

Many people struggle to form social connections regardless of effort, and even worse, tend to alienate people more the more effort they put in.

There's a huge difference between "I have to consciously try to make connections" vs "I lack the skills to make connections."

I stand firm by my initial assertion that plenty of people live in places for a long time and do not/cannot build a social network, regardless of effort.

Huh.

I'm now picturing a bunch of people who are so unlikable that the more you get to know them and the more they try to be your friend the more you hate them.  But then I'm trying to figure out how they ever had a social network to begin with.  Is their network just composed of family who feel obligated to put up with them then?  Like, how would they have ever developed this support network to begin with?

I'm confused by your question, I specified that they have virtually no support network, meaning they have virtually no one who is emotionally generous to them. They maybe have some fucking atrocious "friends" or some toxic family, but I can't tell you the number of folks I speak to who don't have a single healthy relationship in their lives.

I'm not sure how you got to assuming that they somehow used to have a more robust social network???

A lot of folks are genuinely incapable of connecting effectively with others in any kind of healthy way.


GuitarStv

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Re: Does Mustachianism Undervalue Collective Human Capital?
« Reply #48 on: April 08, 2024, 01:47:42 PM »
Most places that you live for an extended period of time will develop social connections and 'human capital' if you try to develop them won't they?

Not if you're someone who struggles with making social connections. I have plenty of clients who have lived in areas for years and have virtually no support network.

I'm someone who struggles to make social connections.  It's a thing that I really have to consciously try to do, and usually involves pushing a bit out of my comfort zone.  If I don't try to develop them they won't happen . . . but if I actively push myself they do.

Okay, but you do realize that you just said that you can form social connections through effort???

Many people struggle to form social connections regardless of effort, and even worse, tend to alienate people more the more effort they put in.

There's a huge difference between "I have to consciously try to make connections" vs "I lack the skills to make connections."

I stand firm by my initial assertion that plenty of people live in places for a long time and do not/cannot build a social network, regardless of effort.

Huh.

I'm now picturing a bunch of people who are so unlikable that the more you get to know them and the more they try to be your friend the more you hate them.  But then I'm trying to figure out how they ever had a social network to begin with.  Is their network just composed of family who feel obligated to put up with them then?  Like, how would they have ever developed this support network to begin with?

I'm confused by your question, I specified that they have virtually no support network, meaning they have virtually no one who is emotionally generous to them. They maybe have some fucking atrocious "friends" or some toxic family, but I can't tell you the number of folks I speak to who don't have a single healthy relationship in their lives.

I'm not sure how you got to assuming that they somehow used to have a more robust social network???

A lot of folks are genuinely incapable of connecting effectively with others in any kind of healthy way.

Oh, I thought we were talking about moving away from (and losing) a social network.

If you have no social network to cling to, then I'd guess there's no real loss moving from place to place because you're not losing much.  If you're more normal in that area and do have a good network of people you'll probably be able to make a new one after you move.  So . . . other than a couple years of rebuilding (again, assuming no social retardation) you should be pretty safe to move either way.

Metalcat

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Re: Does Mustachianism Undervalue Collective Human Capital?
« Reply #49 on: April 08, 2024, 02:02:21 PM »

Oh, I thought we were talking about moving away from (and losing) a social network.

If you have no social network to cling to, then I'd guess there's no real loss moving from place to place because you're not losing much.  If you're more normal in that area and do have a good network of people you'll probably be able to make a new one after you move.  So . . . other than a couple years of rebuilding (again, assuming no social retardation) you should be pretty safe to move either way.

Ah gotcha, yeah, the point of my comment was that not everyone grows social roots where they are, no matter how long they are there. It's not a given that people make connections over time.

We have a huge epidemic of loneliness.