First of all, I am here for technology, I am not some old grandma who hates everything around and just lives in the good old age of lemon tea, outdoors and sunshine.

But, Just imagine if a rude fat comment on your Instagram picture by some random stranger can ruin your day and self-esteem, how will first-hand abuse affect you?

Yes, Gang Raped and traumatised, groped and teased, sexually assaulted, mobbed, beaten and racially abused — This is the reality of Metaverse.

Is Metaverse just some dirty digital downtown where laws, humanity and authority die a quick death?

My parents saw the dot com bubble rise and burst yet they can’t use Facebook properly.

The only cyber advice I ever got was don’t do it or stay away.

But has it ever helped or was it enough?

I still made a bunch of mistakes and no one was there to guide me or help me when they came back to haunt me.

Today it’s the world of Web 3. O yet the kids are naively clicking and sending nudes and these innocent idiots think pressing the delete button actually means deleted forever. Because no one told them better so will.

It’s the ruthless world of web, where nothing is private, nothing is safe and deleted means nothing.

If there is someone out there who wants something badly enough and has time and resources, he will find what he needs. Period

And Don’t even argue that kids are already a part of the meta world with advanced gaming because if you say so you have no idea what Metaverse is capable off.

( PS — I anyways think it’s dumb buying Internet land. Why why on the earth will I buy Internet land it’s as lame as buying plots on the moon and naming starts after your loved one. I shall name f***ing galaxies after you and will print paper to prove that. Now, PayPal me $10 bucks.)

We people were not even close to making the Internet world a safe place. Where national and international governments and organisations have little surveillance over digital crimes and terror activities.

We as women had no safeguard from dick pictures bombing our dm and now this. After all, what’s the difference between someone flashing at me in public and asking for sexual favours on the street Vs the Internet.

Our decades-old Internet is filled with sadistic videos where dogs are cooked alive and young girls are forced to have intercourse and faces of young girls are burned with acid and humans are having sex with animals and the list goes on……

My question is Do these people deserve to be in the Metaverse or should We become comfortable with abuse and crime?

Just imagine your kid playing in a Meta park and he gets to witness bestiality or cannibalism or sexual abuse.
How will a kid deal with such trauma?

The answer is either he will become depressed or disturbed enough to immerse themselves in similar insanity.

How are parents supposed to monitor or deal with all this ? — family gaps will become voids and our collective future will be blind and dark with no ethical intelligence.

Now answer the following —

Have the authorities cracked on the dark web?

Have countries stopped the simple spam mails from Nigeria?

Have they stopped digital thefts?

The answer is…… none

These incidents make me want to think if Meta is just another place for criminals and perverts to express themselves openly with no accountability for their actions?

Justice was never served to who’s nudes were leaked, sex tapes were published, and private chats were made public.

We are not even half familiar with the existing tech and another much more advanced and dangerous one is already being shoved down our throats.

Why does technology comes first and laws come later? And sometimes they just miss the train altogether.

Will This vicious circle of vulnerability ever end? And how can an average human being keep up with so much happening around?

Most decent first-world people still have little to no knowledge of how money works or how stocks sink.

And yes it’s okay to not understand bitcoins and every form of social media because there are people with real jobs working in mines and grocery stores and a huge percentage of the developing/underdeveloped countries are already out of the picture of the advanced digital revolution.

A decent human being with no extra urge to consume media or fancy Internet life is maintaining —

• Five social media accounts
• Four writing/work applications
• Two messaging apps
• Two taxi booking apps
• Seven food delivery apps
• A dozen entertainment apps
• Eight dating apps
• Six payments apps
• Three investment/tracking apps
• Banking accounts
• Reading hundreds of emails
• War
• Oil crises
• Daily technological advancement
• Jonny deep trial
• Elon Musk tweets
• Funny USA politicians clips

Then after you expect me to watch Bidgerton and Euphoria and keep up with the Kardashians. Have two eyes on bitcoin prices and Fashion trends. Maintain a relationship with family and friends. Have an amazing career.

Uggggg…… ( angry fumes are coming off my ear and flame off my eyes )

Staying relevant is not important but staying sane is.

And by the way what insane people want to f*** cartoon avatars anyways !

And if you dare to do that with me trust me I am not getting depressed or anything over the actions of some faceless inhuman digital man, but I shall sue you in the Meta courts and make your life a living hell in both Meta and the real world. And you better be ready to pay child support for a “cyber baby”.

I actually might not do any of that and probably will cry. But I aspire to have this attitude and so should others. (For your information as soon as some people tried to come close and started using profundities I ran away like a coward. )

It’s our duty to make the digital world safe and have such malefactors face consequences in both worlds.

And for this, we need a collective initiative and laws in place.

Thank you

First of all, I am here for technology, I am not some old grandma who hates everything around and just lives in the good old age of lemon tea, outdoors and sunshine.

But, Just imagine if a rude fat comment on your Instagram picture by some random stranger can ruin your day and self-esteem, how will first-hand abuse affect you?

Yes, Gang Raped and traumatised, groped and teased, sexually assaulted, mobbed, beaten and racially abused — This is the reality of Metaverse.

Is Metaverse just some dirty digital downtown where laws, humanity and authority die a quick death?

My parents saw the dot com bubble rise and burst yet they can’t use Facebook properly.

The only cyber advice I ever got was don’t do it or stay away.

But has it ever helped or was it enough?

I still made a bunch of mistakes and no one was there to guide me or help me when they came back to haunt me.

Today it’s the world of Web 3. O yet the kids are naively clicking and sending nudes and these innocent idiots think pressing the delete button actually means deleted forever. Because no one told them better so will.

It’s the ruthless world of web, where nothing is private, nothing is safe and deleted means nothing.

If there is someone out there who wants something badly enough and has time and resources, he will find what he needs. Period

And Don’t even argue that kids are already a part of the meta world with advanced gaming because if you say so you have no idea what Metaverse is capable off.

( PS — I anyways think it’s dumb buying Internet land. Why why on the earth will I buy Internet land it’s as lame as buying plots on the moon and naming starts after your loved one. I shall name f***ing galaxies after you and will print paper to prove that. Now, PayPal me $10 bucks.)

We people were not even close to making the Internet world a safe place. Where national and international governments and organisations have little surveillance over digital crimes and terror activities.

We as women had no safeguard from dick pictures bombing our dm and now this. After all, what’s the difference between someone flashing at me in public and asking for sexual favours on the street Vs the Internet.

Our decades-old Internet is filled with sadistic videos where dogs are cooked alive and young girls are forced to have intercourse and faces of young girls are burned with acid and humans are having sex with animals and the list goes on……

My question is Do these people deserve to be in the Metaverse or should We become comfortable with abuse and crime?

Just imagine your kid playing in a Meta park and he gets to witness bestiality or cannibalism or sexual abuse.
How will a kid deal with such trauma?

The answer is either he will become depressed or disturbed enough to immerse themselves in similar insanity.

How are parents supposed to monitor or deal with all this ? — family gaps will become voids and our collective future will be blind and dark with no ethical intelligence.

Now answer the following —

Have the authorities cracked on the dark web?

Have countries stopped the simple spam mails from Nigeria?

Have they stopped digital thefts?

The answer is…… none

These incidents make me want to think if Meta is just another place for criminals and perverts to express themselves openly with no accountability for their actions?

Justice was never served to who’s nudes were leaked, sex tapes were published, and private chats were made public.

We are not even half familiar with the existing tech and another much more advanced and dangerous one is already being shoved down our throats.

Why does technology comes first and laws come later? And sometimes they just miss the train altogether.

Will This vicious circle of vulnerability ever end? And how can an average human being keep up with so much happening around?

Most decent first-world people still have little to no knowledge of how money works or how stocks sink.

And yes it’s okay to not understand bitcoins and every form of social media because there are people with real jobs working in mines and grocery stores and a huge percentage of the developing/underdeveloped countries are already out of the picture of the advanced digital revolution.

A decent human being with no extra urge to consume media or fancy Internet life is maintaining —

• Five social media accounts
• Four writing/work applications
• Two messaging apps
• Two taxi booking apps
• Seven food delivery apps
• A dozen entertainment apps
• Eight dating apps
• Six payments apps
• Three investment/tracking apps
• Banking accounts
• Reading hundreds of emails
• War
• Oil crises
• Daily technological advancement
• Jonny deep trial
• Elon Musk tweets
• Funny USA politicians clips

Then after you expect me to watch Bidgerton and Euphoria and keep up with the Kardashians. Have two eyes on bitcoin prices and Fashion trends. Maintain a relationship with family and friends. Have an amazing career.

Uggggg…… ( angry fumes are coming off my ear and flame off my eyes )

Staying relevant is not important but staying sane is.

And by the way what insane people want to f*** cartoon avatars anyways !

And if you dare to do that with me trust me I am not getting depressed or anything over the actions of some faceless inhuman digital man, but I shall sue you in the Meta courts and make your life a living hell in both Meta and the real world. And you better be ready to pay child support for a “cyber baby”.

I actually might not do any of that and probably will cry. But I aspire to have this attitude and so should others. (For your information as soon as some people tried to come close and started using profundities I ran away like a coward. )

It’s our duty to make the digital world safe and have such malefactors face consequences in both worlds.

And for this, we need a collective initiative and laws in place.

Thank you

Bankruptcy isn’t about a bank balance. It’s a mindset.

A friend I’ve written about many times lost his $100m empire more than 10 years ago. He’s still bankrupt today. He and his family live in a single motel room and rely on government assistance.

We regularly chat. His husky smoker’s voice is a clue to his future health. Surprisingly, he still has some of the best business ideas I’ve ever heard.

But he never executes.

Not because he’s lazy. But because he has no energy.

Years of smoking have stripped him of his youthful exterior and replaced his brain with one that can operate for two hours a day at best.

When I tell him to rebuild his empire the same way he did all those years ago, he gives me excuses. He made his fortune in real estate. Real estate hasn’t changed much and probably won’t.

Yet he doesn’t do it — and he loves real estate like Kim Kardashian loves telling us to work harder from the foyer of her mansion.

The reason is his mindset.

Somewhere deep down he doesn’t believe he can do it. The bankruptcy nuked his confidence and wiped out his belief he could do anything.

We must understand how to program our minds to deal with failure.

Here are a few more things an expert who worked with bankrupt people taught me about what keeps society broke.

“Treat your credit card like a debit card”

Credit cards are a trap. Suckers get them to earn worthless frequent flyer points designed as an elaborate scam.

“Just pay it on time and you’ll be fine.”

Sounds simple, except when you’ve got access to an infinite amount of credit, it’s stupidly easy to overspend. Even for a disciplined navy seal. I use a debit card that has rewards. Same benefits, but I only spend money I’ve made.

Too much debt is a tax on your future.

“Your job will eventually make you rich some day”

Jobs don’t make you rich because being ‘rich’ is about more than money.

Truly wealthy people own their time. No dumb boss tells them what to do. They don’t have HR puppet masters spreading cringe work culture and woke messages that don’t solve real problems.

The harsh fact is you can never say or do whatever you want at a job — especially online.

Your creativity is suppressed so your mind can be used for profit. You’re paid just below the market rate to ensure maximum money can be made from the time you give up.

We all start with a job. No problemo.

But a job doesn’t make most people wealthy in the true sense. The sooner you have that aha-moment the better.

“See self-education as an expense. Not an investment.”

Online courses and self-improvement attract their fair share of critics.

“Courses are a scam. Just google the info.”

These dummies forget that learning without a guide and nothing but a google search engine will drain all your free time. Time is worth more than money.

Self-education saves you time. It’s not an expense. It’s how you learn skills you can use to invest in your future and make a bucketload of cashola.

“See self-entertainment as an investment. Not an expense.”

It’s fine to unwind. But for many broke people that’s all they do.

Netflix doesn’t just cost $9.99 a month. It’s a time expense too.

You need to invest time to consume their woke tv shows. And instead of serving movies, they sway you towards useless tv shows that take back-to-back seasons and years of our lives to watch.

Balance self-entertainment with building a bright future. The 80/20 rule works well for this one. 80% building. 20% self-entertainment.

“Listen to people who are bad with money. Do not listen to people who are good with money.”

They’re all over the internet.

They act how David Letterman did when Bill Gates came on his late-night show to talk about the internet. The web seemed like a scam. Like a far-fetched, stupid idea. Now it drives everything.

The generation of broke critics say:

• “Cryptos won’t work.”
• “Metaverses won’t work.”
• “NFTs won’t work.”
• “Web3 is a scam.”

Meanwhile the biggest companies in America are throwing everything they’ve got at these new technologies.

People who are bad with money don’t understand innovation. They think that what we have now will exist forever. Spend time with people who’ve done well financially, who invested sensibly in a diversified portfolio of assets.

“I’ll do it tomorrow”

The idea we’ll have more time in the future is an illusion. If there isn’t time then it isn’t a priority. It’s a priority problem disguised as a time problem.

“Discomfort is bad. Comfort is good.”

Discomfort causes growth.

When you face your fears and stack up tiny wins you feel bloody fantastic. We live in a modern-day comfort crisis. Spend more of your time in uncomfortable situations to get an unfair advantage.

What starts as discomfort turns into comfort. That’s how your life gets exponentially better without you having to hope for luck or miracles from a god.

“Looking rich will make you rich so buy luxury brands”

The luxury epidemic created by instagram causes so many bankruptcies, according to the bankruptcy expert.

We chase bigger and bigger purchases to look richer.

If a new material possession doesn’t wow onlookers then we assume we need to go larger. Yet the wealthiest people don’t own flashy stuff. They live modestly so they can have free time and explore their creativity.

Chasing luxury is the same as begging for ‘likes’ on social media. Don’t do it.

“Buy a nice car before you buy a nice house”

A car is a chunk of metal with four rubber wheels. Don’t overcompensate for the importance of a car.

A house comes with land. Land goes up in value over time because it’s scarce. But a car goes down in value right after you drive it away. It’s a depreciating asset and they’re not scarce at all.

A second-hand Toyota is massively overrated. Or you can just catch a bus or ride an Uber. Better yet, you could walk or ride a bike to many places.

“Spend more than you make”

It’s a simple exercise. If more money exits your bank account each month than enters, then Houston, we have a problem!

The simplest solution is to reduce the cost of your shelter. Or learn how to make a little extra money online. Just don’t let your expenses keep rising as your income does (lifestyle creep).

Use excess money to invest in financial assets that make you more money.

“Ignore your physical health. Eat and drink whatever you want”

Building financial wealth requires energy.

What you put into your body determines your energy levels. Eat processed junk food and drink sugar water to destroy your energy. Eat more plants and drink more water to access high energy.

Businesses and careers don’t die. People just run out of energy.

“The best way to increase your income is to ask your boss for a raise”

Giving people raises is bad for business.

Most employers don’t even adjust salaries in line with inflation. They certainly don’t raise salaries because you want them to, either.

The motivation for an employer is to pay you the least money possible. Only if you’re at risk of leaving and a cheaper person can’t replace you, will they want to pay more.

If you want a raise then just change employers. Simple.

But the new employer, too, will try to pay you the least they can. They need to make a profit which means they need to pay you the lowest number they can.

Learn how to make money online and give yourself a raise.

“Do not start a business. Most of them fail and chances are so will yours.”

You are a walking, talking business. Your job is just one customer that pays you. There’s no limit on how many customers your personal business has.

Businesses fail … but they succeed too. If you live your whole life never trying to own a business, according to my grandpa, you’ll likely face enormous regrets on your eventual deathbed.

Whether a business fails or succeeds isn’t the point.

It’s what you learn in the process. A business teaches you how to think like an owner. It teaches you to take personal responsibility and stop blaming other people for your screw-ups.

The world could do with more personal responsibility and less victim mentality.

“Understand the world is fair and as long as you do the right thing, government and society will save you”

No one saves bankrupts.

My friend hasn’t got saved after all these years. The only person that can save you is yourself. Life isn’t fair. The capitalist structures that run the world don’t enable fairness. And they’re not likely to change.

Society wants to save you but we’re too busy with our own problems. Deep down the government wants to save you, too. But they can’t.

Too many people.

Too many political career goals.

Too much ego.

Too much greed.

Once you accept life is unfair (by design), you just wake up every day and make it a little fairer.

“Never ever take any risks under any circumstances”

You might argue bankruptcy is the result of taking risks. But some of the most successful people in history have gone bankrupt — Abraham Lincoln, Walt Disney, Cyndi Lauper, Elton John.

If you don’t take risks you won’t find out what works. You’ll spend your life wondering “what if?”

Bankrupts lose all their money because they push the limits. They don’t care if the risk takes away their fortune. Why?

You can always start again as many times as you want. Take regular risks to avoid feeling broke. It’ll help you come alive.

This article is for informational purposes only, it should not be considered financial, tax or legal advice. Consult a financial professional before making any major financial decisions.

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“Writing online isn’t a job.”

Have you ever heard that and felt misunderstood? It’s very common to think that publishing online content isn’t a real job, since “you aren’t working” right?

Working smart is underrated compared to working hard.

Last week, Elon Musk came out with the message that all Tesla employees must be in the office for at least 40 hours a week.

You might say, fine it’s his company, but the problem is much more fundamental than that.

Previous generations have always been rewarded with hard work and also live with that attitude. Nowadays, that reward is getting lower and lower and it is increasingly difficult to make ends meet if you have an average income.

So you have to work smart: accumulate as much wealth as possible by doing as little as possible.

Quit social standards

Who says you have to work hard for your money?

For the last 100 years, there has been a work ethic that states that hard work always pays, and the harder you work the more you earn.

The thing is, these days a gigantically expensive college degree doesn’t have to pay anything at all. There are plenty of very intelligent people with expensive diplomas who can’t find a job or can barely make ends meet because they have sky-high student debts.

I think, that you are successful when you can take care of yourself without being dependent on others, like a big government.

Don’t care about what other people think.

If they want to work their ass off for a pittance, let them — they’ll soon find out that it’s burning them out, or perhaps they’ll do it for the rest of their lives.

But don’t let these people get in the way of your plans and ambitions.

Don’t become an office zombie

I’ve never had a real job. I am still studying and next year I will start my first internship for a web development agency. My first “office job”.

Never thought I would end up behind a desk. I don’t want that at all, but it’s unavoidable at this point. To get my degree, it is necessary to do 90 days of internship.

That’s all fine, the company has a great atmosphere and there are fun projects being done, but still, I’d rather start for myself than work for a boss.

After all, I don’t want to become an office zombie.

In our educational system, we are trained to be zombies. We have to memorize words and other repetitive things like why the climate is changing in South America.

All very nice, but I would have liked to have been taught about philosophy, and life and maybe it would have been helpful if we were taught how to file tax returns.

Teach young people to become financially fit and free instead of pounding into their heads that they have to get their degree and work hard for the rest of their life.

Learn about economics and inflation

You must understand how the markets work and what inflation does — especially now.

The whole world is plagued by gigantic inflation. One country is worse than another. Current inflation rates for the United States are estimated at 8.5% per year.

That’s insane.

Therefore, don’t become dependent on your 9–5 job, there are so many opportunities online to accumulate wealth or at least earn a nice little extra.

After all, if you get a 5% pay raise, you might think it’s fine. But if your purchasing power is reduced by more than 8%, you still lose that 3%.

So make sure you can compensate for that difference by realizing extra income in the form of online writing, investing, trading, or other freelance work.

You can’t hide from it now. Inflation is here and we have to deal with it.

No excuses, dedication

In the digital age, there are really no more reasons not to make an income from the Internet. It is one of the best investments in yourself.

Build a portfolio, maybe it’s still a hobby or a side job now but a year from now your life could look completely different.

There are so many different ways to make money on the Internet. You can start writing on online platforms, you can generate an audience and maybe even direct income for views and reads.

If you have other interests you could sign up as a freelancer on websites like Fiverr and Upwork and offer your services.

Everything is possible.

As with many things in life, consistency is important. You can’t expect miracles to happen after a week of work. You do have to put in some effort, but this is different from the usual “working hard from 9–5”. After all, you’re really doing this for yourself.

Wrapping things up: try to live a little

At the end of the day, we work to enjoy our lives, so why not just try to combine that.

After all, I love to write when I’m on the road.

We have to remember that we are human beings and not robots that have to run a few hours a week. You live to live, you don’t live to work.

Get rid of that thought.

Try to think of your 9–5 job as a side hustle to pay your bills and fixed expenses and anything else you bring in can be used to improve your own life.

Invest in yourself.

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Sources & References

• TRADING ECONOMICS. (n.d.). United States Inflation Rate — May 2022 Data — 1914–2021 Historical — June Forecast. https://tradingeconomics.com/united-states/inflation-cpi