Tag Archives: Millennials

Reversing the American trend of borrowing and spending too much

Average college debt is now up to $35,000 and usually for a useless non-STEM degree
Average debt is now up to $35,000, often for a useless non-STEM degree

First, the problem, using this article from New Zealand. It is authored by a self-made millionaire to young people.

Excerpt:

A young property tycoon has hit out at Generation Y claiming they need to stop travelling and spending money on overpriced food if they want to save for their first home.

Tim Gurner, 35, is worth nearly half a billion dollars since buying his first investment property at the age of 19.

The Melbourne millionaire believes it’s time his generation change their spending and lifestyle habits.

“When I was trying to buy my first home, I wasn’t buying smashed avocado for $19 and four coffees at $4 each,” he told Channel Nine’s 60 Minutes program.

“We’re at a point now where the expectations of younger people are very, very high. They want to eat out every day, they want travel to Europe every year.

“This generation is watching the Kardashians and thinking that’s normal – thinking owning a Bentley is normal.”

And how did the millennials respond? With immature, ignorant rebellion:

Gurner’s comments have been met with a backlash on social media will many criticising how he started out in the property – with a loan from his grandfather.

One social media comment read: “Maybe the new home buyers would stand more of a chance if they were given 34K by their grandad… that’s a fair few smashed avos.’

Another added: ‘Nice if you can get it,’ while one commented: ‘Much like Trump’s dad gave him a “small loan of $1Mil.’

Of course, the average college graduate HAS actually borrowed that much money (see graphic above), but they just preferred to blow it all on alcohol, birth control and a degree in English literature.

Speaking of a degree in English literature…

This woman complained to her boss because she wasn’t making enough money. She graduated with a non-STEM degree (English literature), and lives in one of the most expensive cities in America. (The cities that are all run by leftist Democrats who love to spend money on public works and welfare). She didn’t even have roommates to split the rent!

I see this in so many young people – complete disregard for the future in order to have fun, thrills and frivolous travel right now. And all their same-age friends support their decision-making. Young people don’t listen to grown-ups who have experience and real achievements. They listen to their friends. I know one woman who literally flew off to be a missionary in Europe for two years, on the advice of two Christian students, neither of which had ever worked a full-time job or saved money. They were proudly living off their parent’s incomes into their late-20s, and she looked to them for advice on education, career and finances.

Low-income earners can still save money

You don’t have to have a great job to make choices that lead to growing your wealth.

Here is an article from Business Insider about how to build wealth on a minimum wage salary.

Excerpt:

Here are the key expenses that someone on minimum wage can consider cutting, to make an immediate impact:

  • Moving to a more affordable city can cut living expenses considerably. It’s hard to accumulate wealth in Manhattan or San Francisco, but is much more likely in Buffalo or Memphis.
  • Eliminate commuting. Cars are expensive, and it is possible to get a place close enough to work to bike.
  • Cut some wires, particularly cable. After all, it’s 2017 – just go with internet and Netflix.
  • Don’t eat out, unless it’s absolutely necessary.
  • Skip most purchases of new clothes. Instead, make thrift stores your new best friend, and don’t be afraid to mend holes in clothing.
  • Cut expensive activities, and rediscover that the best things in life are free. Playing many sports can be free (or cheap), and public libraries are free (or cheap).

Once that’s done – it’s all about investing in yourself.

The Obama administration set interest rates low for the last eight years, encouraging people to borrow more and more money – money that they could not pay back. Thankfully, the private sector has ways of encouraging people to save money.

This article is from the far-left The Atlantic.

Excerpt:

Late last summer, Dawn Paquin started keeping her money on a prepaid debit card from Walmart instead of in a traditional checking account. The wages from her factory job—she works from 9 p.m. to 5 a.m., inspecting blades on industrial bread-slicing machines—now go directly onto the Visa-branded card, which she can use like a regular debit card, though unlike most debit cards, it is not linked to a checking or savings account.

[…]The card is more convenient, Paquin said, and she doesn’t have to worry about monthly statements; she tracks her money, and pays all her bills, with the card’s associated phone app.

[…]In a 2015 Federal Reserve Board survey, 46 percent of respondents reported that they would have trouble coming up with $400 in an emergency; living paycheck to paycheck is now a commonplace middle-class experience. So while Paquin noticed that her Walmart MoneyCard app asked her from time to time whether she wanted to “stash” some money, she didn’t bother to figure out what that actually meant, let alone respond.

Then, late last year, she got an email saying that a “prize savings” feature had been added to her card. If she kept some of her balance in a virtual “vault,” meaning that it would not show up in her available funds, she would be eligible to win a cash prize in a monthly drawing—up to $1,000. Every dollar in the MoneyCard Vault would equal an entry in that month’s drawing. This caught her interest. A prize would go a long way toward her being able to buy a car. It also made her focus on what all those “stash” requests were about. “Oh, cool, this can work as a savings account, too,” she remembers realizing. So when she got paid, she started setting aside “10 bucks, 20 bucks, whatever I could.”’

[…]The program was launched to a limited number of MoneyCard holders in August, offering 500 prizes a month—one for $1,000, the rest $25 each. In December, the company reported that the number of Vault users had grown more than 130 percent, to more than 100,000, and that the average savings had grown from $413 to $572, a 38 percent increase.

Paquin actually did end up winning the $1000 prize for stashing some of her earnings. And she saved most of it, of course. Because she learned from the incentives.

New study: decline in mainline church attendance linked to progressive theology

Church attendance for progressive denominations in free fall
Church attendance for progressive denominations in free fall

I’m shocked and delighted to see this new study reported in the Weekly Standard, of all places. I guess everyone has an intuition that conservative churches that focus on the Bible have been growing in attendance. And progressive churches that focus on feelings and peer approval are in decline. But now we have some numbers that link the changes in attendance  to specific theological beliefs.

Excerpt:

A literal reading of scripture and faith in an interventionist God strengthen church attendance. According to a new academic study of what drives a mainline Protestant church to die out or succeed, preaching these two theological precepts makes all the difference.

The forthcoming article, entitled “Theology Matters,” confirms a truth universally acknowledged, or reasonably intuited anyway. The Christ-optional, Gospel-as-metaphor, liberal-progressive mainline Protestantism borne of our secular age keeps so loose a lock on wandering souls that they wander away—choosing boozy brunch, perhaps, over pew-sitting.

The authors, Drs. David Haskell, Kevin Flatt and Stephanie Burgoyne, used five years’ data gathered from 2,255 attendees of Anglican, Lutheran, Presbyterian and United Church of Canada parishes across the province of Ontario. (The United Church of Canada boasts an ongoing, unsurprising self-parody in an atheist minister no one seems to have ginned up the nerve to defrock.)

Approximately half of the authors’ subjects belong to growing parishes within these three mainline denominations, the other half to shrinking ones. Their most striking survey result finds churchgoers at shrinking parishes more doctrinally committed than their ministers.

That’s true about the atheist woman who is leading one of the denominations into decline:

An ordained minister with the United Church of Canada is resisting efforts to oust her from the pulpit because she is an atheist.

“I don’t believe in … the god called God,” Gretta Vosper told the Globe and Mail. “Using the word gets in the way of sharing what I want to share.”

She said that she believes the Bible is “mythology,” and denies that Jesus is the Son of God.

The United Church of Canada has majored in progressive politics . Progressive politics is more important to them than apologetics and theology. From what I’ve read, their ministers are more likely to affirm the writings of progressive atheists like John Dominic Crossan and Marcus Borg as “infallible” than the Christian Scriptures. We have similar problems in the USA with ELCA, PCUSA, ECUSA, and other far left denominations.

Church attendance by denomination, ages 23-35
Church attendance by denomination, ages 23-35

Mainline Roman Catholicism, which focuses less on the Bible and more on political goals like Obamacare, climate change alarmism and amnesty is also in decline. They are declining faster than any other denomination.

Here’s a quote from the study that breaks down the theology by change in church attendance:

When asked to agree or disagree with the statement “Jesus rose from the dead with a real, flesh-and-blood body leaving behind an empty tomb” 93% of growing church pastors agreed, 83% of growing church attendees agreed, 67% of declining church attendees agreed, and just 56% of declining church pastors agreed.

When asked if “God performs miracles in answer to prayer” 100% of the growing church pastors agreed, 90% of the growing church attendees agreed, 80% of the declining church attendees agreed, and just 44% of the declining church pastors agreed.

I think the problem is that when a minister quotes the Bible and espouses traditional theology, people can sense that this teaching is from God, because it is at odds with their selfish desires. They understand the authenticity of it, because it calls them higher. Progressives like Greta Vosper tell people that their current sinfulness is just fine, since the goal of spirituality is to look inside yourself for guidance so that you feel good. But does sinfulness really deliver results over the long term? We were designed by God for righteousness, not selfishness. I am pretty sure that Jesus knows a little more about human nature than Greta Vosper does.

Consider the words of Daniel 2:

1 In the second year of his reign, Nebuchadnezzar had dreams; his mind was troubled and he could not sleep.

2 So the king summoned the magicians, enchanters, sorcerers and astrologers to tell him what he had dreamed. When they came in and stood before the king,

3 he said to them, “I have had a dream that troubles me and I want to know what it means.”

4 Then the astrologers answered the king, “May the king live forever! Tell your servants the dream, and we will interpret it.”

5 The king replied to the astrologers, “This is what I have firmly decided: If you do not tell me what my dream was and interpret it, I will have you cut into pieces and your houses turned into piles of rubble.

6 But if you tell me the dream and explain it, you will receive from me gifts and rewards and great honor. So tell me the dream and interpret it for me.”

7 Once more they replied, “Let the king tell his servants the dream, and we will interpret it.”

8 Then the king answered, “I am certain that you are trying to gain time, because you realize that this is what I have firmly decided:

9 If you do not tell me the dream, there is only one penalty for you. You have conspired to tell me misleading and wicked things, hoping the situation will change. So then, tell me the dream, and I will know that you can interpret it for me.”

10 The astrologers answered the king, “There is no one on earth who can do what the king asks! No king, however great and mighty, has ever asked such a thing of any magician or enchanter or astrologer.

11 What the king asks is too difficult. No one can reveal it to the king except the gods, and they do not live among humans.”

12 This made the king so angry and furious that he ordered the execution of all the wise men of Babylon.

13 So the decree was issued to put the wise men to death, and men were sent to look for Daniel and his friends to put them to death.

14 When Arioch, the commander of the king’s guard, had gone out to put to death the wise men of Babylon, Daniel spoke to him with wisdom and tact.

15 He asked the king’s officer, “Why did the king issue such a harsh decree?” Arioch then explained the matter to Daniel.

16 At this, Daniel went in to the king and asked for time, so that he might interpret the dream for him.

17 Then Daniel returned to his house and explained the matter to his friends Hananiah, Mishael and Azariah.

18 He urged them to plead for mercy from the God of heaven concerning this mystery, so that he and his friends might not be executed with the rest of the wise men of Babylon.

19 During the night the mystery was revealed to Daniel in a vision. Then Daniel praised the God of heaven

20 and said:

“Praise be to the name of God for ever and ever;
wisdom and power are his.

21 He changes times and seasons;
he deposes kings and raises up others.
He gives wisdom to the wise
and knowledge to the discerning.

22 He reveals deep and hidden things;
he knows what lies in darkness,
and light dwells with him.

23 I thank and praise you, God of my ancestors:
You have given me wisdom and power,
you have made known to me what we asked of you,
you have made known to us the dream of the king.”

24Then Daniel went to Arioch, whom the king had appointed to execute the wise men of Babylon, and said to him, “Do not execute the wise men of Babylon. Take me to the king, and I will interpret his dream for him.”

25 Arioch took Daniel to the king at once and said, “I have found a man among the exiles from Judah who can tell the king what his dream means.”

26 The king asked Daniel (also called Belteshazzar), “Are you able to tell me what I saw in my dream and interpret it?”

27 Daniel replied, “No wise man, enchanter, magician or diviner can explain to the king the mystery he has asked about,

28 but there is a God in heaven who reveals mysteries. He has shown King Nebuchadnezzar what will happen in days to come. Your dream and the visions that passed through your mind as you were lying in bed are these:

29 “As Your Majesty was lying there, your mind turned to things to come, and the revealer of mysteries showed you what is going to happen.

30 As for me, this mystery has been revealed to me, not because I have greater wisdom than anyone else alive, but so that Your Majesty may know the interpretation and that you may understand what went through your mind.

People can see right through progressive “spirituality”. They see that this is man-made humanism designed to make people feel better. They know that this is just one person’s opinion, and not from God. The blind leading the blind, as the Bible says. Greta Vosper isn’t deriving her worldview from a truth-centered investigation of science, history or logic. It’s feelings all the way down, and that’s not useful to people who are looking for objective truth and purpose.

Tad Hopp accumulates six figures of college debt, wants taxpayer bailout

Brain vs Heart, from: theawkwardyeti.com
Brain vs Heart, from: theawkwardyeti.com

Here’s an interesting editorial from a “Christian” left blog. (H/T Acton Institute via Lindsay)

The author, Tad Hopp is graduating a PCUSA seminary – an extremely liberal, left-wing denomination.

He writes:

I graduated college in 2007.

[…] I majored in English, not exactly what most people consider a ‘marketable’ or ‘practical’ degree…

[…]I went to a somewhat expensive private school…

[…]I did what many students in their last year of high school do: I went to the school where I felt I was being called…

[…]I do not regret my four years at my undergraduate institution one bit.

[….]When I graduated college, I owed nearly $50,000 in student loan debt and was unemployed for almost six months before I finally found a low-paying office job.

[…]“Can’t find a job? Well, you should have majored in something more ‘practical’, like economics or business or medicine.” Yeah, that would be great…if those were the subjects where my skills and passions lie. They’re not.

[…]I felt called to go to seminary.

[…]I will graduate seminary with close to six figures worth of student loan debt.

Let’s take stock of what he’s said so far:

  • he studied English, a language that he already spoke, which has one of the lowest employment rates
  • he was warned by people who knew something about earning and saving money not to study English
  • he went to a school he couldn’t afford to go to, and he graduated with $50,000 in debt
  • he went to seminary, another subject that doesn’t pay, and added another $50,000 or so of debt
  • he says that he doesn’t have to study subjects that lead to a career because he isn’t “passionate” about them
  • he “followed his heart” by going to the school that he had mystical, emotional, intuitions about = “calling”

My advice to Tad at this point would be for him to take the Bible seriously when it says this:

2 Thessalonians 3:10:

10 For even when we were with you, we used to give you this order: if anyone is not willing to work, then he is not to eat, either.

And 1 Timothy 5:8:

8 But if anyone does not provide for his own, and especially for those of his household, he has denied the faith and is worse than an unbeliever.

Now, for a Bible-believing Christian, these are inerrant and cannot be denied. But we have to go outside the Bible and learn how the world really works in order to figure out how to achieve those stated goals. Why should anyone hire us? What is working really about?

But even before looking at economics, Tad needs to push away all his friends who tell him to “follow his heart” and stick close by his friends who understand economics, who have jobs already, who have savings already, and so on. Don’t look for advice from dreamers, you look to advice from doers – people who can read the times, run the numbers and who have demonstrated the ability to create plans that work to achieve results that please God. When it comes to planning about the future, look at the past accomplishments. Weaving a happy narrative sounds nice, but judge future predictions based on past performance.

I would recommend that Tad read an economist like Thomas Sowell, especially on work, prices, etc., and realize that work means providing value to others. It then follows that he is obligated by the Bible to NOT “follow his heart”, but to instead do something that offers value to his fellow man. Prices are a way of determining what is most valued by your fellow man. And we know what careers have the highest starting salaries and mid-career salaries:

Starting and Mid-Career salaries by profession (click for larger image)
Starting and Mid-Career salaries by profession (click for larger image)

(Source)

Keep in mind that you also have to check to see what the unemployment rate for these fields is, but I think they are all very much in demand, hence the salaries.

I don’t mind if a woman studies English and seminary, but Tad is a man – he has the Biblical obligation to be the primary provider, as we saw in the verses above.

More Tad:

Is the PCUSA doing anything to address this crisis?

[…]What has our government done to address this issue?

[…]I, like so many in my generation, voted for Obama…

[…]It seems to me that we’ve bought into the lie that student loan debt is brought on by the individual person…

[…]You know what I think might stimulate the economy? Automatically cancelling every single outstanding student loan!

[…]If we can spend $640 billion dollars on defense spending, why can’t we find the money to better support public education?

It’s important to understand that an English degree and a seminary degree do not prepare a person to make statements on economics and government. Tad has never studied these things, has no experience in them. He cannot state what the impact of his suggestions would be to all groups, i.e. – he cannot answer “and then what happens?” for every impacted group. Thinking economically is a valuable skill, but as Tad’s personal life shows, it’s not an area he is really knowledgeable about. But he wants to shift money from defense spending (which he knows nothing about) so that he can have a personal bailout. I personally doubt that taxpayers would be better served by paying for his English degree and liberal seminary degree than they would be if a peace-loving democracy could project power abroad to deter aggression from countries like North Korea, Iran, Russia, China and Syria.

Here is the solution to Tad’s problems:

  • we need to put Tad to work in a minimum wage job and confiscate his entire salary, until his loans are paid off.
  • we need to put Tad on a watch list such that he is never allowed to borrow money from anyone ever again.
  • once Tad’s loans are paid off, he should be taxed on his future earnings at the top tax rate for the rest of his life. The money we tax from him can fund education – that’s what he said he wanted.
  • Tad and his household should all be barred from collecting any money for unemployment, welfare or other social programs.

That’s the only bailout Tad should get. It would actually be in his best interest that he encounter real life as quickly as possible, because the longer he waits, the harder it’s going to be for him to recover to independence. He needs to stop his crazy retreat from adult responsibilities, and start working and saving now. I would say that at this point, marriage and parenting is out of the question for him (in another post, he comes out as gay, so that also complicates things). And he can thank the politics of the secular left for marriage and family being less affordable now, thanks to laws like Obamacare, which raised the cost of health care by thousands of dollars. I found it interesting that he actually did work at some point but he mocked the job as a “dead-end job” – as if it was beneath him.

I know some of you will be thinking, “but God called him things and so of course God is going to bail him out with $100,000 for his student loans”. But the thing is, God doesn’t usually work like that. First, I don’t accept that he is a Christian at all. Second, just because you have feelings that your plan will work, that isn’t a calling. The truth is that you certainly can assess the feasibility of things that you feel “called” to do, and if the plan looks crazy, then don’t do it. If you find yourself at odds with wise, practical people when explaining your calling to them, then you’re probably doing it wrong.

Tad Hopp accumulates six figures of college debt, wants taxpayer bailout

From: theawkwardyeti.com
From: theawkwardyeti.com

Here’s an interesting editorial from a “Christian” left blog. (H/T Acton Institute via Lindsay)

The author, Tad Hopp is graduating a PCUSA seminary – an extremely liberal, left-wing denomination.

He writes:

I graduated college in 2007.

[…] I majored in English, not exactly what most people consider a ‘marketable’ or ‘practical’ degree…

[…]I went to a somewhat expensive private school…

[…]I did what many students in their last year of high school do: I went to the school where I felt I was being called…

[…]I do not regret my four years at my undergraduate institution one bit.

[….]When I graduated college, I owed nearly $50,000 in student loan debt and was unemployed for almost six months before I finally found a low-paying office job.

[…]“Can’t find a job? Well, you should have majored in something more ‘practical’, like economics or business or medicine.” Yeah, that would be great…if those were the subjects where my skills and passions lie. They’re not.

[…]I felt called to go to seminary.

[…]I will graduate seminary with close to six figures worth of student loan debt.

Let’s take stock of what he’s said so far:

  • he studied English, a language that he already spoke, which has one of the lowest employment rates
  • he was warned by people who knew something about earning and saving money not to study English
  • he went to a school he couldn’t afford to go to, and he graduated with $50,000 in debt
  • he went to seminary, another subject that doesn’t pay, and added another $50,000 or so of debt
  • he says that he doesn’t have to study subjects that lead to a career because he isn’t “passionate” about them
  • he “followed his heart” by going to the school that he had mystical, emotional, intuitions about = “calling”

My advice to Tad at this point would be for him to take the Bible seriously when it says this:

2 Thessalonians 3:10:

10 For even when we were with you, we used to give you this order: if anyone is not willing to work, then he is not to eat, either.

And 1 Timothy 5:8:

8 But if anyone does not provide for his own, and especially for those of his household, he has denied the faith and is worse than an unbeliever.

Now, for a Bible-believing Christian, these are inerrant and cannot be denied. But we have to go outside the Bible and learn how the world really works in order to figure out how to achieve those stated goals. Why should anyone hire us? What is working really about?

But even before looking at economics, Tad needs to push away all his friends who tell him to “follow his heart” and stick close by his friends who understand economics, who have jobs already, who have savings already, and so on. Don’t look for advice from dreamers, you look to advice from doers – people who can read the times, run the numbers and who have demonstrated the ability to create plans that work to achieve results that please God. When it comes to planning about the future, look at the past accomplishments. Weaving a happy narrative sounds nice, but judge future predictions based on past performance.

I would recommend that Tad read an economist like Thomas Sowell, especially on work, prices, etc., and realize that work means providing value to others. It then follows that he is obligated by the Bible to NOT “follow his heart”, but to instead do something that offers value to his fellow man. Prices are a way of determining what is most valued by your fellow man. And we know what careers have the highest value:

Petroleum Engineering – Starting Salary: $103,000 / Mid-Career Salary: $160,000
Actuarial Mathematics – Starting Salary: $58,700 / Mid-Career Salary: $120,000
Nuclear Engineering – Starting Salary: $67,600 / Mid-Career Salary: $117,000
Chemical Engineering – Starting Salary: $68,200 / Mid-Career Salary: $115,000
Aerospace Engineering – Starting Salary: $62,800 / Mid-Career Salary: $109,000
Electrical Engineering – Starting Salary: $64,300 / Mid-Career Salary: $106,000
Computer Engineering – Starting Salary: $65,300 / Mid-Career Salary: $106,000
Computer Science – Starting Salary: $59,800 / Mid-Career Salary: $102,000
Physics – Starting Salary: $53,100 / Mid-Career Salary: $101,000
Mechanical Engineering – Starting Salary: $60,900 / Mid-Career Salary: $99,700

English and seminary are dead last on the list – he literally could not have chosen worse than he did. I don’t mind if a woman studies these things, but Tad is a man – he has the Biblical obligation to be the primary provider, as we saw in the verse above.

More Tad:

Is the PCUSA doing anything to address this crisis?

[…]What has our government done to address this issue?

[…]I, like so many in my generation, voted for Obama…

[…]It seems to me that we’ve bought into the lie that student loan debt is brought on by the individual person…

[…]You know what I think might stimulate the economy? Automatically cancelling every single outstanding student loan!

[…]If we can spend $640 billion dollars on defense spending, why can’t we find the money to better support public education?

It’s important to understand that an English degree and a seminary degree do not prepare a person to make statements on economics and government. Tad has never studied these things, has no experience in them. He cannot state what the impact of his suggestions would be to all groups, i.e. – he cannot answer “and then what happens?” for every impacted group. Thinking economically is a valuable skill, but as Tad’s personal life shows, it’s not an area he is really knowledgeable about. But he wants to shift money from defense spending (which he knows nothing about) so that he can have a personal bailout. I personally doubt that taxpayers would be better served by paying for his English degree and liberal seminary degree than they would be if a peace-loving democracy could project power abroad to deter aggression from countries like North Korea, Iran, Russia, China and Syria.

Here is the solution to Tad’s problems:

  • we need to put Tad to work in a minimum wage job and confiscate his entire salary, until his loans are paid off.
  • we need to put Tad on a watch list such that he is never allowed to borrow money from anyone ever again.
  • once Tad’s loans are paid off, he should be taxed on his future earnings at the top tax rate for the rest of his life. The money we tax from him can fund education – that’s what he said he wanted.
  • Tad and his household should all be barred from collecting any money for unemployment, welfare or other social programs.

That’s the only bailout Tad should get. It would actually be in his best interest that he encounter real life as quickly as possible, because the longer he waits, the harder it’s going to be for him to recover to independence. He needs to stop his crazy retreat from adult responsibilities, and start working and saving now. I would say that at this point, marriage and parenting is out of the question for him (in another post, he comes out as gay, so that also complicates things). And he can thank the politics of the secular left for marriage and family being less affordable now, thanks to laws like Obamacare, which raised the cost of health care by thousands of dollars. I found it interesting that he actually did work at some point but he mocked the job as a “dead-end job” – as if it was beneath him.

I know some of you will be thinking, “but God called him things and so of course God is going to bail him out with $100,000 for his student loans”. But the thing is, God doesn’t usually work like that. First, I don’t accept that he is a Christian at all. Second, just because you have feelings that your plan will work, that isn’t a calling. The truth is that you certainly can assess the feasibility of things that you feel “called” to do, and if the plan looks crazy, then don’t do it. If you find yourself at odds with wise, practical people when explaining your calling to them, then you’re probably doing it wrong.