My name is Jared A. Brock. Having just turned 35, I sat down to reflect on everything I’ve learned so far and made a list of the things I wish I learned far sooner. None of these are rules or commands for you to follow, just personal reflections from a decade of journaling. I hope they save you a lot of time, energy, and struggle:

1. “Save the best for last” is terrible advice.

A French monk taught me this one. Every morning, I put on the newest pair of socks in my drawer. Why wear the rattiest pair? When I sit down to eat, I eat the tastiest bits first. Why let them get cold? After every shower, I put on my favorite clean t-shirt. I have a great bottle of 10-year-old Laphroaig scotch in my cupboard, but I probably won’t drink it for months because I received two bottles of reactor-aged Lost Spirits single malt for Christmas.
Why? Because life is hard enough and we aren’t promised tomorrow. This doesn’t mean we should throw caution to the wind and “live in the moment” at all times, but it does mean we should try to find the golden middle and glean a little bit of pleasure from every day we’re blessed to live. “Save the best for last” is poverty-mentality thinking. It expects worse in the future. Enjoy the best right now — in your marriage, parenting, work, travel, faith, friendship, contribution. Keep all the chips on the table. Be ready at all times to leave without regret.

2. Tools use us.

A hammer literally cannot hit a nail without using a human. A saw cannot cut through a board without using a human. A phone cannot deliver ads without using a human.

3. Avoid false dichotomies.

When given two great options, choose both. When given two horrible options, choose neither.

4. Failure is overcome by one word.

“Next.”

5. Ambition is ruinous for your happiness.

Most goal-setters (myself included) live much of life in anticipation of tomorrow, and when that day arrives, they’re either disappointed by their failures or underwhelmed by their successes.
Instead: trust the process. Whiskey, pasta, bread, beer, and cereal all require just two ingredients — wheat and water — but the outcome is completely different based on the process. Identity precedes action. Determine what you want to be, then find the process that will get you there every single time.

6. Forget what the market wants.

Listen to your gut. Your body knows the difference between good and great. Someone said you should never record a song or code an app or write an article unless it makes you laugh, cry, or orgasm. If an idea doesn’t move you, it won’t move an audience, no matter how “commercial” you think it is.

7. Give yourself a shove.

The best way to eat more candy, drink more vodka, and smoke more cigarettes is to leave them in the middle of the kitchen counter.
You get it. Willpower is useless. Instead, line up a series of little nudges to automatically get you through your day. If you want to work out, leave your shorts by the door or your cleats in your fridge. My blue diode glasses rest on top of my laptop so I have to protect my eyes before logging online. I can’t not see my vitamins when I brush my teeth, or chia seeds when I reach for the Brita. There’s a book beside my bed, toilet, desk, and car’s gear shifter.
Line up enough nudges and you can shove yourself in the right direction.

8. Grandma didn’t use toilet paper.

She used pages from the Sears catalog. Splinter-free wasn’t available until 1935. The Romans used sponges. The Greeks used clay. Francois Rabelais recommended using “the neck of a goose.” Arabians used their left hand.
Never assume our extremely unique cultural moment is “normal.”

9. Ninety-nine isn’t enough.

Water boils at 100 degrees Celcius. The difference between 99 and 100 is the difference between zero and one. Not-boiling, boiling.
Corollary: 101 doesn’t make it any more boiling.

10. Old people know better.

Honoring our elders is one of the most underrated practices in our newness-obsessed society. Sure, there are a ton of old crazy far-right conspiracy theorists, but there are also good people who have survived four wars, six recessions, and twelve presidents and are somehow still smiling. Get to know them.
Also: meet your old-person self. I try to invent a new word every week — one of them is preflection. To ponder the present through the eyes of your future self. Take an hour in silence to listen to your eighty-year-old self. They might know something you don’t.

11. Fire all your employees.

The employer-employee relationship creates an unhealthy power dynamic between humans that simply didn’t exist when we worked cooperatively to feed our clan or village. I love my work life so much more now that I only work with independent entrepreneurs who are my equals. For me, it’s either a one-man show (my writing business), an equal partnership (my film company), or a co-operative endeavor. Life’s too short to be a boss or be bossed around.

12. Accept that you are a voracious locust of doom.

Nail a roll of paper to the wall and write down everything you consume for a year — food, toilet paper, electricity, car fuel, movies, music, social media content, other people’s time, everything. See what I mean?
Saint Augustine said that the human heart can only fully be satisfied by one thing aside from God himself: everything. All the sex, all the money, all the power, all the possessions, all the glory. All of it. Nothing short of everything could ever fully satiate the human heart. We are wired for more.
Understanding this truth is the first step toward real contentment.

13. Awkward is awesome.

My best friend says that The Office gave society a beautiful gift: the ability to embrace cringe. When you meet someone new and it’s slightly weird, pretend you’re Michael Scott. Just glory and bask in the discomfort.
You can awkward-proof your life by being bold: Ask for discounts. Ask for refunds. Ask for phone numbers. Ask for pay raises. Ask inappropriate questions at inappropriate times. Lather yourself in awkward and pretty soon nothing sticks.

14. Happiness isn’t the purpose of life.

Hitler really was following his bliss by offing millions of Jews. I’m sure Jeffrey Dahmer genuinely enjoyed the taste of human flesh. Bernie Madoff seemed content to bilk charities for decades.
Happiness isn’t the purpose of life. It’s not even in the top ten. Happiness is a seasonal fruit, not a foundational root. Find firm and fertile ground.

15. There is no ugly.

My grandpa re-proposed to my grandma on their fiftieth wedding anniversary and called her the most beautiful woman he’s ever known. Old wrinkly grandma? Yes. Because we choose our definition of beauty through our thoughts, disciplines, habits, and patterns, be they conscious or otherwise.

16. We are what we consume.

The statistical average American is a walking bodybag of sugar, alcohol, caffeine, porn, pills, and digital stimulus. Imagine how different life would be if our only inputs were nature, sleep, sunlight, organic food, and embodied human interaction?
Guard your inputs carefully.

17. We’re going to die quite soon.

Make sure you live first. Practicing memento mori will help.

18. Fame is poison.

One in four Gen Zers thinks they’ll be famous by age 25. One in 3.9999999 Gen Zers are going to have a miserably disappointing life.
Why do people desire the attention of strangers? Because we all need to love and be loved, to know and be known, but are too afraid to risk personal heartbreak to seek it out. Attention is not affection. Influence is not intimacy.

19. Boomers are to blame for half our troubles.

The Me Generation took a free ride at the planet’s expense and are hellbent on taking the rest of it with them. They’re statistically low on empathy — blame the lead, asbestos, and hairspray if you must — but at least acknowledge the reality that life is hard for everyone, and no one has it easier.

20. Children are dope.

Kids are the blood transfusion in our sick system. We need to stop manipulating, brainwashing, colonizing, and propagandizing them, and learn from them instead.

21. It doesn’t have to hurt.

Joy is a choice.

22. Watch comedy before calls and meetings.

Five minutes of gut-busting laughter will prime you for even the most tedious conference call. Your co-workers and customers all have tough lives like everybody else, so brighten their day by pre-brightening your own.

23. No ragrets.

Tattoo it on your neck. Most people play it far too safe. Instead: optimize your life for the least number of regrets and the most amount of selfless contribution.

24. There are better ways to vote.

I’ve manned several local voting stations, and I’ve also hob-nobbed with politicians in Canada, America, and the UK. The reality is that they don’t work for us. They work for their corporate sponsors and private interests.
Democracy isn’t dead. It just hasn’t happened yet, with all attempts to date being stillborn or aborted. Democracy = one voice one vote. Athens wasn’t a democracy — women, slaves, and tenants had zero say. America isn’t a democracy either — no representative system is, because it’s far too easy for private interests to buy politicians. The charade of voting is illusory. All elections are sham elections.
So what to do? Vote with your money and time and attention. One sham vote every four years versus tens of thousands of dollar-votes each year? It’s a no-brainer. My wife and I haven’t stepped foot in a Walmart in more than a decade because thousands of its suppliers are based in China, the billionaire heirs are anti-democratic tax-avoiders, and they treat their employees like indentured servants. Vote for pro-democracy third-party candidates if you must — just understand the game, and vote in the ways that actually matter.

25. Everything easy has already been done.

So run a little further.
And if it hasn’t been done, it won’t be as easy as it appears. The question to ask is: what’s been standing in the way this whole time? Achievement is all about knocking down obstacles. Just make sure what’s on the other side is rightly worth the effort.

26. Broccoli still tastes terrible.

But you’re not a child anymore. Adults do hard things.

27. Fixed-order scheduling > fixed-hour scheduling.

Discipline is great, but it’s also subject to the law of diminishing returns. Life is just too dynamic to schedule with military precision. Free yourself from the tyranny of “only people who wake up at 5 AM are successful.”
All hours are not created equal. It depends on your sleep drive and chronotype. Know yourself. Unapologetically get more sleep, then do your best work at your best time in your best state.

28. “Freedom” isn’t freedom.

America wasn’t founded on freedom. America was founded on violent autonomy.
The ancient Greeks had an entirely different definition of freedom: it was the ability to choose the right regardless of circumstance.

“We talk about freedom all the time, but we’ve stopped talking about freedom a long time ago. Now we’re talking about autonomy. Freedom is different than autonomy. Freedom has boundaries. Truth is one of those boundaries. And morality is one of those boundaries. Autonomy is the ability to do whatever you want whenever you want in whatever way you want. The problem is this: If I’m autonomous and another person is autonomous, and I have preferences and those matter more than the truth, and that person has preferences and their preferences matter more than the truth, when two autonomous preference-seeking beings come together and their preferences don’t match, who is going to win? If truth is on the bottom shelf, truth won’t decide. What will decide will be power. And isn’t it ironic that in our quest for “freedom”, someone gets enslaved?” — Abdu Murray

29. The Marines were right: slow is smooth, smooth is fast.

As teenagers, my friend Tyler and I were in a hurry to get somewhere quickly so we drove 120+ miles per hour for forty-five straight minutes before nearly crashing when the speed burned a footlong gash through the tire. By the time we replaced it with a spare, we were late to our destination by more than an hour.
But nevermind driving. Pump the life-brakes sometimes, or at least, let off the gas. You might get there faster, with less wear-and-tear on the engine.

30. The quest for wealth is destroying life.

We’ve commodified land, water, shelter, clothing, art, time, and nearly everything else. Very little remains, and it’s amassing into fewer hands.
We need a shared global vision. My invented word for it is benevitae: the sustainable flourishing of all creation. Our collective goal should be socioenviroeconomic sustainability. Where to start? We’d do well to let biology determine ecological sustainability and real democracy to determine economic fairness. Our current trajectory is worse than the Space Shuttle Challenger.

31. Most “leaders” aren’t leaders.

Celebrities, politicians, and book-hocking business gurus all call themselves leaders. They’re not.
Real leadership is influence that serves. True leaders are selfless and servant-hearted. They put the best interests of others ahead of their own. Politics and media, by comparison, attracts sociopaths like flies to firelight. Never give power to those who seek it. Nearly everyone worth following is dead.

32. Divide-and-conquer is a business model.

Near the end of high school, dozen friends and I binge-watched multiple seasons of LOST in our friend Mike’s basement. It was one of the most hilarious, riotous, enjoyable experiences we had as a group.
And it was the last show we ever watched together.
People used to go to restaurants in large numbers, to the movies by the dozen, climbing over each other for one of the limited video game controllers, packing out our churches, cheering on our sports teams by the busload. We were almost never alone, and we were far happier. Now we order in, watch Netflix, stream Minecraft, catch the highlights, watch porn, and go to bed. It’s killing us.
Resist the urge to be alone. It’s too easy, and it’s the exact opposite of what we really need. The #1 thing that’s correlated to human happiness is human togetherness.

33. Self-improvement won’t save us.

The great lie of individualist-consumerist culture is that we can improve our way to personal perfection and communal utopia. But it’s incrementalism at best.
It’s just chasing infinity.

34. We know nothing +/-.

On the scale of all that is known, and all that is knowable, our individual understanding is essentially mathematically zero. The entirety of human knowledge is a rounding error.
This is the beginning of humility.

35. The sun is not on fire

I was at an observatory in the Davis Mountains in Texas, and it was the first time I’d paid attention to astronomy since grade school. For three decades, I’d wrongly assumed the sun was a giant ball of flames.
But there’s no fire in space because there’s no oxygen in space. (It just looks like fire because of how our eyes perceive light through the atmosphere and prism.) As I stared at the real-time image of the sun on the observatory wall, I nearly wept. The sun actually looks like a giant, boiling, grey brain.
And then it hit me: I have so many assumptions to set aside and so much left to learn. So pay attention. Don’t worship the “question everything” mantra, but instead spend your life seeking truth, and wisdom, and understanding.
You know what you need to do to get where you want to be.

I tried to make it easy to skip around if you just want to see the financials or estimates. Just scroll to them if you don't care what the company is or their sectocompetition/management. TL;DR at bottom with final thoughts.
Introduction
“FuboTV ($FUBO) is an American streaming television service that focuses primarily on channels that distribute live sports, including NFL, MLB, NBA, NHL, MLS and international soccer, plus news, network television series and movies.
Launched on January 1, 2015 as a soccer streaming service, FuboTV changed to an all-sports service in 2017 and then to a virtual multichannel video programming distributor (vMVPD) model. As a vMVPD, FuboTV still calls itself sports-first but its expanded channel lineup targets cord cutters, offering a selection of major cable channels and OTT-originated features that can be streamed through smart TVs, mobile and tablets and the web. The service is available in the United States, Canada and Spain as of 2018."
From their home page:
They are the only competitors in their space of digital sports broadcasting, offer 4K streaming and upscaling of live sports, cloud DVR capability ranging from 250 or 1000 hours on standard plans, and is available on Roku, Apple TV, Amazon Fire TV, Chromecast, Samsung Smart TVs, Xbox One, Android TV, Android Smart TVs, and Android/iOS smartphones and tablets, with plans ranging from $24.99/month to $79.99/month (not including add-ons).
They have also recently acquired one company and have made plans to acquire another to allow for in-house sports betting. They have stated in a press release that they plan to release a sportsbook before the end of the year. This will push them into a broader spectrum outside of only TV and sports streaming, and into the sports betting sector along with DraftKings ($DKNG), FanDuel ($PDYPY), and Penn National Gaming ($PENN).
Plans and Add-ons
FuboTV offers three standardized plans as of February 8, 2021: the Family plan is priced at $64.99/month (normally $75.97/month), Elite at $79.99/month (normally $100.95/month), and Latino Quarterly at $24.99/month, along with offering additional add-ons. Each plan offers a range of channels, cloud DVR capabilities (which allows fast-forwarding through commercials), and casting to multiple devices simultaneously. Only the Elite plan does not offer a 7-day free trial (Channels page).
The Family plan includes 117 channels (mostly news and entertainment with roughly 40 that offer sports, including ESPN), up to 250 hours of DVR space, and casting to 3 devices at once. The quarterly prepaid includes a free upgrade to 1000 hours of DVR space and 5 casting devices at home with 3 on the go (Channels page).
The Elite plan includes 164 channels (includes an additional “47 entertainment channels”), up to 1000 hours of DVR space, and casting to 5 devices at home with 3 on the go. This plan does not offer a quarterly prepaid (Channels page).
The Latino Quarterly plan includes 250 hours of DVR space and can be streamed on up to 3 devices at once, but only has 32 channels. This plan needs to be prepaid every 3 months for a total charge of $74.97 and does not offer a monthly service (Channels page).
Upgrades include additional DVR space--1000 hours for an additional $6.99/month for the Family and Latino Quarterly--and increased device casting--an additional 2 devices at home with 3 on the go for another $9.99/month for the Family and Latino Quarterly plans. You can also add a variety of channels and sports packages (the Latino Quarterly has fewer channel add-ons compared to the Family and Elite plans, which both have the same channel varieties). Sports Plus with NFL RedZone is an additional $10.99/month, but includes all professional and college sports broadcasting services for football, basketball, baseball, hockey, tennis, fighting, etc. (Channels page).
Fubo has recently removed its former Standard plan, which included only 65 channels, up to 2 casting devices, and only 30 hours of DVR support for $60/month.
Financials and Growth
Fubo has yet to file an annual report as they have gone public in October of 2020, but they have filed a 10-Q for Q3 2020. All numbers in thousands.
Assets-
Between December 31, 2019 and September of 2020, assets have increased from $368,225 to $799,313 (a 117% increase) . Total current assets increased from $17,973 to $58,016, but accounts receivable decreased from $8,904 to $6,975--this may be attributed to the increase in prepaid subscriptions which increased from $1,445 to $12,177 which shows strong customer satisfaction and retention.
Liabilities-
Liabilities have increased from $145,049 to $290,376 (a 100% increase). The largest contributors to their liabilities are “Due to related parties” increasing from $665 to $85,847, “Warrant liabilities” increasing from $24 to $28,085, and “Accounts payable” from $36,373 to $61,679. Long-term borrowings have decreased from $43,982 to $25,905.
Revenues-
Subscription revenues increased by $53,433, totaling $92,945 for the year. Total revenues including advertisements and licensing have increased by $61,202, totaling $112,669 for the year and an increase of 47% YOY. Q4 revenue is estimated to be between $94,000 and $98,000 which would be a 77-84% increase YOY.
Expenses-
Subscriber related expenses total $114,315 for the year. Total expenses have totaled $500,249 for the year.
Subscribers-
Ended Q3 with 455,000 paid subscribers, a YOY increase of 58%, and plans to end 2020 with over 545,000, an increase of 72% YOY.
Competition
Its closest competitors are Hulu + Live TV (owned by Disney ($DIS)), YouTube TV (owned by Alphabet ($GOOG)), and Sling TV (owned by Dish Network ($DISH)).
Hulu + Live TV

• Includes league networks
• 50 hours of free DVR (200 hours for $9.99/month)
• More than 74 channels
• Unskippable ads on DVR without upgrade to 200 hours
• 2 streams at a time
• $64.99/month
• Can add ESPN+ and Disney+ for an additional $7/month

YouTube TV

• Includes league networks
• Unlimited DVR storage
• More than 85 channels plus YouTube Red Originals
• 3 streams at a time
• Sports Plus package for an additional $10.99/month
• NBA LeaguePass for an additional $40/month or $119.99 annually
• Starting at $64.99/month

Sling TV Blue

• Includes league networks
• DVR up to 50 hours (200 hours for $5/month)
• More than 45 channels
• 3 streams at a time
• Sports Extra package for an additional $11/month
• Starting $35/month
• Can be combined with Sling TV Orange for a total of $50/month

Sling TV Orange

• Includes league networks
• DVR up to 50 hours (200 hours for $5/month)
• More than 30 channels
• 1 stream at a time
• Sports Extra package for an additional $11/month
• Starting at $35/month
• Can be combined with Sling TV Blue for a total of $50/month

The vMVPD Sector
Cord-cutting has become increasingly popular over the last few years with consumers dropping traditional cable and satellite networks in favor of streaming services--such as Hulu, Netflix, Disney+, etc.--and vMVPD services.
In 2019 alone, 6.3 million people cut their cable connection, totaling 39.3 million. In a survey of what they might miss most from cable networks, 52% said they don’t miss anything, 23% missed live events on TV, 22% missed news, and 19% missed live sports. Although not all of those that miss aspects of cable will pay for another subscription service, the sentiment exists for a sports-focused platform that offers other large networks as well.
Another report by Parks Associates reveals that 17% of vMVPD subscribers switched from traditional TV within the last twelve months. In the same report, a survey conducted on current broadband households determined that 43% were “likely to switch to a… vMVPD within the next 12 months." The potential growth exists for the live digital broadcasting space, although it is slowing down.
With the spread of COVID and quarantines, people have been spending more time at home. When things open and quarantines end, that will be the true test for these providers as people will spend less time watching TV.
The Sports Betting Sector
Legal sports betting has taken a huge leap in recent years with the introduction of online sports betting; the ability to place wagers from anywhere at any time and have instant gratification has boomed with its slow legalization. This sector has a forecasted value of $150 billion with other competitors already having a completed project and vast market share. In 2019, DraftKings ($DKNG) and FanDuel (PDYPY) controlled 83% of the market share.
FuboTV plans to join into this space with its own sportsbook. Their recent acquisition of Balto Sports in December of 2020, whose business was in simulating fantasy sports games, is Fubo’s first step into sports wagering. They plan to create a free-to-play gaming system alongside online sports wagering.
Their next planned acquisition, which was announced in January of 2021, will be to acquire Vigtory, a sports betting and interactive gaming company. According to BusinessWire, they plan to utilize Vigtory’s “sportsbook platform and digital gaming assets, and its consumer-driven betting technology, to develop a frictionless betting experience for fubo’s customers."
These recent acquisitions set Fubo up to create an all-in-one viewing and betting experience, which could add new customers to their subscriber list and seal them into online wagering.
It has been over two years since the Supreme Court has denied the federal ban on sports betting, which would have made online betting illegal in all of the United States. Currently, more than two dozen states have legalized sports betting, but most have only legalized in-person betting. More states may be willing to legalize to take advantage of the increased revenues and taxes associated with gambling and online wagering. As of 2020, six additional states plan to legalize some form of betting, although some are only allowing in-person. There are an additional 14 states that are considering the notion to allow legal gambling, whether in-person, online, or tribal.
Management and Investors
David Gandler - CEO / Director / Co-Founder
Appointed as CEO and director in April of 2020. Prior to Fubo, Gandler had a 15 year career in marketing and advertising in local broadcast and cable TV within both general and Hispanic markets at companies such as Time Warner, Telemundo, and Scripps Networks Interactive.
Alberto Horihuela - CMO / Co-founder
In charge of marketing, Horihuela was head of Latin America for SVOD service DramaFever.
Simone Nardi - CFO
Nardi has worked as SVP and CFO of Scripps Networks Interactive where he was responsible for the finance and strategic planning for the company’s international business. Was also a key player in refinancing TVN S.A.’s billion dollar debt.
Large Investors

• Islet Management, LP with 5,108124 shares
• Morgan Stanley with 3,317,333 shares
• FMR LLC with 1,262,907 shares
• BlackRock Inc. with 956,678 shares
• Merger with FaceBank for $100 million revolving credit

Analysts and Estimates
Average analyst ratings put Fubo at a Buy to Strong Buy rating with an average price target of $45.50 with a high of $60 and a low of $30. EPS estimates are estimated to be -5.23 for 2020 and -1.64 for 2021.
Currently has a short float of about 75%, but the short volume has been holding at roughly 15-20% over the last month and has drastically declined from its October short volume of over 50%.
Originally valued at $700 million less than a year ago, a current valuation of $3.19 billion is respectable for this company and is on par for its current performance.
Risks

• Marketing fails and Fubo is never known as a household name, so consumers stick with other more known providers
• Their sportsbook fails and becomes dead weight and wasted money
• Subscriber count and streaming drops as quarantine lifts, reducing revenues while maintaining expenses
• Consumers opt for cheaper options
• People paying for the sports package cancel when the season is over, creating a boom and bust cycle if not managed correctly

Final Thoughts / TL;DR
With its drastic growth over the last year (400% in the last 4 months), support from FaceBank and well-known investors, and plans to join the sports betting sector, FuboTV has potential to become a household name and grow well beyond its current valuation by combining both sports broadcasting and online sports betting into one convenient place. Although unlikely to overthrow any of the current forces, it can become the best live sports broadcaster that people can turn to when they cut cable but want to keep live sports. It has many hurdles to overcome (creating their sportsbook, better marketing, increasing subscriber count, etc.) before it is any real competition to its already established competition.
At a $3.19 billion market cap and very high (75%) short interest, it will be very difficult to realize consistent growth, but it is on par for a company with almost $100 million in revenue.
My Position
25 shares at $47.30
​
Edit: edited final thoughts/TL;DR
Please provide feedback! First time actually researching and compiling information for a company and not just reading about them on here. Also, please ask questions to clear up any confusion; it was kinda hard to put everything together neatly, so I might have accidentally left stuff out or oveunder explained some things.

Updated January 8, 2020
DISCLAIMER: I wear my mask, wash my hands and try not to touch my face. I limit my social interactions. I follow most rules, even though many don't make sense. This is NOT a “COVID hoax” or “anti-vaxxer” post.
I agreed with lockdown measures that were taken in March 2020, when a lot was unknown. We did not have full knowledge of whom the virus affected and we did not have better treatment measures.
But science and data over the last 10 months has clearly shown that our approach needs to change.
“Where all think alike, no one thinks very much” Walter Lippmann, 2-time Pulitzer Prize winner
SO WHO IS COVID DEADLY FOR? Data from government public health websites.
PUBLIC HEALTH CANADA https://health-infobase.canada.ca/covid ... s.html#fn1
Out of 16435 COVID related deaths in Canada, 89.2% are in the 70+ age group.
Percentage of COVID deaths in the 0-49 age group: 1.1% (this is a total of 192 COVID related deaths in Canada)
NOTE: It is important to make the distinction that just because someone dies WITH COVID does not mean that they died BECAUSE of COVID. COVID deaths may be inflated due to this distinction. False positive cases may further inflate this number (more on this later).
LONG TERM CARE HOMES https://ltc-covid19-tracker.ca
70.3% of all COVID related deaths in Canada have been in long term care homes
PUBLIC HEALTH ALBERTA https://www.alberta.ca/stats/covid-19-a ... istics.htm
Average age of COVID-related death in Alberta: 82 years old.
Out of 1241 COVID related deaths in Alberta, 97.1% have had 1 or more co-morbidities.
Here is the breakdown: * 3 or more comorbidities: 75.0% * 2 comorbidities: 14.4% * 1 comorbidity: 7.7% * No comorbidity: 2.9% (highly likely to be in the older age demographic)
NOTE: Comorbidities included are: Diabetes, Hypertension, COPD, Cancer, Dementia, Stroke, Liver Cirrhosis, Cardiovascular diseases (including IHD and Congestive heart failure), Chronic Kidney disease, and Immuno-deficiency.
STATSCAN REPORT: COVID 19 DEATH COMORBIDITIES IN CANADA (from the first wave, until July 31, 2020) https://www150.statcan.gc.ca/n1/pub/45- ... 87-eng.htm

• 90% of all COVID-involved deaths had at least 1 comorbidity.
• ALL COVID-involved deaths in Canada under the age of 45 had at least 1 other disease/condition certified on the medical certificate of death.

WHAT DOES THIS ALL MEAN?
We must acknowledge that these stats are all people and each number represents a human loss. We are all empathetic to that.
Now, the data clearly states the obvious: 1. A LARGE majority of COVID related deaths have and are still occurring in long term care homes. 2. COVID is a deadly threat to persons with co-morbidities and/or persons above the age of 70. It is not a LONE killer by itself. Note that any disease is dangerous to this population set, not just COVID. 3. For a healthy person below the age of 70, there is greater than 99% chance of COVID recovery. This is no worse than the flu.
This is all good news, because we know who COVID affects and who we desperately need to protect. We also have other good news…
GOOD NEWS #1: VITAMIN D3 DATA
Vitamin D acts a key function for strengthening our immune system and is primarily acquired through sunlight exposure. There is a strong correlation that a Vitamin D deficiency will likely result in a serious case of a COVID infection, lowering hospitalizations, deaths and long-term COVID effects.
Vitamin D3 was shown to be deficient in 80% of hospitalized COVID patients in Spain [2].
The most comprehensive scientific study of Vitamin D deficiency in correlation to COVID patients was conducted in India over a span of 6 weeks [3]. Out of 154 patients, 63 severe cases needed ICU. Out of these, 61 patients (97%) had a Vitamin D deficiency. Overall, India has shown to have a lower strain of COVID, possibly because Vitamin D deficiency hits a much lower percentage of the population (due to more sunlight).
The UK government has already promoted Vitamin D to the entire population and is giving out free vitamin D handouts to persons most at risk for COVID [4].
4000 IU daily is recommended to create a strong immune response to COVID [5].
GOOD NEWS #2: BETTER COVID TREATMENTS
Doctors have improved the mortality rates of severe COVID cases, using better ICU procedures. A person hospitalized in March 2020 was 3 times more likely to die than someone hospitalized in August 2020 [6].
GOOD NEWS #3: ASYMPTOMATIC %
At least 17% of the population is estimated to be asymptomatic to COVID [7]. Many are immune to the danger of COVID.
The converse argument, of course, is the possible asymptomatic spread of infection which is difficult to detect. However, if an asymptomatic person does not interact with the vulnerable portion of the population, then what difference does it make?
Instead, why not focus on controlling spread in the SMALLER vulnerable demographic where it really matters?
BAD NEWS #1: LOOKING AT CASE NUMBERS USING FLAWED PCR TESTING
PCR tests, in their current form, are faulty and ineffective [9]. In Dec 2020, the World Health Organization confirmed what was known for months; that high cycle threshold PCR tests result in a high amount of false positives and that testing labs around the world need to reduce their threshold values [10]. The US FDA has also warned of the risk of false positives from PCR tests [8].
It is important for everyone to understand what a Polymerase Chain Reaction test does. A PCR test is looking for RNA, which is a small particle of any cell (just like DNA). In this case, we are looking for the coronavirus RNA.
The amount of RNA in a saliva/nasal swab is very small, so PCR tests amplify the sample to help detect it. Each cycle doubles the material. One becomes two. In the next cycle, two is amplified to four, and so on. In Canada, and most of the world, specimens are amplified to a minimum value of at least 35 cycle thresholds (Ct). That creates over 17 billion copies of the material, enough to be able to detect any viral particle.
However, a Canadian National Microbiology study stated that specimens with Ct values greater than 24 were found to be viral culture negative [11]. What does this mean?
That if RNA is found at a Ct value of 35, the virus cannot be cultured. It cannot be grown. Because it is DEAD. The RNA is simply a remnant of a past COVID infection. A FALSE POSITIVE CASE. This case does not reflect an active infection nor is it contagious. That person was infected weeks or months ago.
This has been known irrefutable scientific fact for months: PCR tests are not reliable unless we REDUCE Ct values. Why are we creating worldwide mitigation policies based on this?
Lastly, and most importantly, using number of cases for policy making does not reflect the bigger picture. Someone with little or no symptoms of illness is NOT a case.
Instead, our main concern should this: How many of those cases are getting HOSPITALIZED and who is DYING?
THE BAD NEWS #2: LONG COVID
Long term effects of COVID; persistent symptoms such as fatigue, headaches, respiratory, brain and heart issues can continue for weeks and months for some COVID cases. While there is still more research to be done, here is what we know so far.
King’s College London and the UK National Health Service have compiled the largest data set on this topic, using information from 4182 confirmed COVID cases [12]. Here was the breakdown of how many experienced long COVID, by duration of symptoms. The study also states that these numbers were comparable to Sweden and USA.

• 4 weeks: 13.3% (1 out of 7 cases)
• 8 weeks: 4.5% (1 out of 20 cases)
• 12 weeks 2.6% (1 out of 50 cases)

The susceptibility to experience long COVID is increased by the following factors, but can occur in low proportions in healthy individuals as well:

• Increased age
• Severity of COVID infection (i.e. number of COVID symptoms experienced in the first week)
• Obesity

Long COVID is a definitely a concern, but it does not warrant ignoring the negative long-term health effects of a lockdown.
BAD NEWS# 3: LOCKDOWNS DO MORE HARM THAN GOOD
If you believe that a lockdown puts life and health ahead of the economy, you have been gravely misled. Lockdowns kill and destroy more lives than save lives.
The World Health Organization themselves do not advocate for lockdowns as the primary means of control of this virus [13].
The first and very comprehensive cost-benefit analysis of a lockdown in Canada was performed by Dr. Ari Jaffe, an infectious disease expert, who initially supported lockdowns but is now a strong opponent. His study concluded that the lockdowns in Canada will result in 10 statistical lives lost for every 1 COVID life saved [14].
Reasons for these lockdown deaths is due to restricted medical care such as

• delay of elective surgeries
• undiagnosed heart and cancer patients
• lack of accessible treatment for current patients

Moreover, the following repercussions of a lockdown are also not taken into account. All of these have a negative impact on life expectancy and illness.

• Mental Health
• Social Isolation (top 3 predictor of heart disease)
• Suicides
• Domestic Abuse
• Drug Abuse and Alcoholism
• Poverty and accompanying Malnutrition/Starvation
• Children’s Education and Childhood Trauma

The Canadian Mental Health Association concluded a study on all of the above, with 3027 participants Canada wide [15]. Here are some highlights:

• 10% experienced recent thoughts or feelings of suicide (up from 2.5% pre-pandemic).
• 40% have had their mental health decline during the pandemic
• 27% are worried about putting food on the table
• 18% report fearing physical and mental abuse while trapped at home
• Ontario experienced a 38% increase in drug overdose deaths during the 15 weeks of the first wave lockdown[36]

A Canadian Psychiatric Research report has projected an increase of between 418-2114 excess suicides in Canada (depending on 1.6% to 10.7% increase in unemployment) [16].
Lastly, lockdowns are causing our general health and immunity to be being lowered. We are locked down at home, with increasing mental health issues, stress, lack of sunlight and lack of exercise. This further lowers our bodies’ response to any sort of infection, including COVID.
Using lockdowns, we have only looked at short term gratification, while disregarding long term destruction.
BAD NEWS #4: HOSPITAL OVERCAPACITY
The ideal measure to avoid a lockdown is to increase hospital capacity as much as possible.
Unfortunately, hospital space and staff shortages have always been a problem, even before the pandemic [17]. Every flu season in the last 3 years has had hospitals running at over capacity. Don’t let COVID distract you from the historical failures of the government.
This may sound ludicrous, but a simple online search will prove it. Here are a few news articles from previous years addressing that concern:
Dec 2017: https://bit.ly/38wEqwn
Feb 2018: https://bit.ly/2M5dIU4
Jan 2020: https://bit.ly/3nZ5laR
Canada, despite being one of the biggest spenders for health care, sits far behind for services provided. As of 2019, out of 28 developed countries, here is how Canada ranked [18]:

• Doctors: 26th (2.8 doctors per 1000 people)
• Hospital Beds: 26th (2 beds per 1000 people)

Between Mar 15-Jun 13, 2020 (the first lockdown), the Ontario surgical backlog had an average increase of a whopping 11413 surgeries per week. This led to a total of 150000 backlogged surgeries, which is estimated to take 84 weeks to clear (almost 1.5 years) [19].
We were completely unprepared for additional medical concerns, let alone a pandemic. Why has the government not addressed the hospital capacity issue? This is the most IMPORTANT factor in avoiding a lockdown. Why is the public paying the price for government inadequacy?
BAD NEWS #5: CANADA’S ECONOMIC SITUATION
Socio-economic factors are the greatest indicator for the health of the population. Lack of finances do affect mental health, physical health and life expectancy. Look at any third-world country. Look at the impoverished demographic of any population set.
Canadian Annual Deficit:
2019: $19.8 Billion [20]
Projected for March 2021: $381.6 to $398.7 Billion [21]
This is an increase in deficit of almost 2000%. THIS IS REAL. This is NOT a typo. Imagine your $20,000 student loan becoming $398,000. By far, this is the HIGHEST deficit in Canadian history.
Within the last year, Canada has had the worst increase in Debt-to-GDP ratio in the world, which has risen by 80% [22]. We have spent the most amount of money in proportion to what our economy generates.
Our Minister of Finance resigned during the summer. A day after the Fall Economic statement was released on Nov 30, 2020, our Deputy Minister of Finance also resigned.
Our current Minister of Finance has no background in this field. Watch this video of her in Parliament: https://fb.watch/23ypw_Ru1_/
The following industries have been devastated: Aviation, Tourism, Entertainment, Hospitality, Restaurants, Fitness, Retail
Our official unemployment rate in October 2020 was listed at 8.9% [23]. This is deceiving. This is artificially held low by government subsidies and by ridiculous requirements to be considered “unemployed”.
The true unemployment number could be as high as 30%, if not more [24]. That means a staggering 10 million Canadians unemployed.
218000 small-to-medium businesses are at risk of closing permanently [25]. That is 1 out of every 5 businesses. This was based on July 2020 data, before a second lockdown was announced, and is clearly much worse now.
On the other hand, large corporations are thriving. The price of a lockdown is not equally borne across the Canadian population.
We are all in the SAME storm, but not the SAME boat.
WHY IS THE GOVERNMENT STILL IMPLEMENTING SUCH DAMAGING POLICIES?
This all started with a wildly incorrect and catastrophic model of COVID deaths by Dr. Neil Ferguson, from the Imperial College in the U.K. He projected that, unmitigated, COVID-19 would kill 326,000 in Canada this year [26]. Similar projections were made for other countries. Dr. Ferguson’s faulty projections, without being reviewed, led to a swift global lockdown and mass hysteria.
Using the Wuhan lockdown as a example, with a “75% reduction in interpersonal contact rates” however, he predicted deaths would fall to under 46,000 in Canada. Coming to the end of 2020, we are at approximately 15000 COVID related deaths in Canada [1]. While that is still a tragic number, it is nowhere close to what was predicted.
Dr. Ferguson has a history of incorrect modeling, apart from COVID. [26] [27]

• predicted 40000 COVID deaths in Sweden by May 2020, with no lockdown. By then, Sweden actual deaths were under 3000.
• 2002: predicted 150000 deaths from Mad Cow Disease. Actual toll was 2704.
• 2005: predicted 150 million people would be killed by the bird flu. Between 2003-2009, actual toll was 282.
• 2009: predicted swine flu could lead to 65000 U.K. deaths. Actual toll: 457 people.

In March 2020, Dr. Ferguson admitted that his COVID modeling was based on a 13-year old computer code that was intended for a “feared influenza pandemic”.
We shut down the world based on this? No one looked for a second opinion? His reckless advice set a dangerous precedent for lockdown policies and abuse of human and constitutional rights.
If the government realized and changed their approach now, it would essentially mean admitting they are wrong. (Personally, I feel they have succumbed to tunnel vision).
How can they reverse course without getting politically skewered for going all in on what is now by far the largest public spending campaign ever, the most significant restriction on free society ever and the greatest peacetime damage ever inflicted on a generation, socially and economically, in modern history when it turns out it didn't make much of a difference? (Credit: Josh Kocher)
Instead, politicians have used the new “science” of DEMAGOGY - political activity or practices that seek support by appealing to the desires, prejudices and emotions of ordinary people rather than by using rational argument.
Implement measures that make us FEEL safe instead of what is ACTUALLY safe. With only COVID in the spotlight, actions are based on “optics”. As long as COVID lives are down, why bother with the collateral damage from a lockdown and its accompanying non-COVID deaths? Politicians don’t have to wipe that blood off their hands. Ignorance is bliss. Let’s save 1 COVID life that is in the public eye, but it will cost 10 lives down the road, not in the public eye. This is known as the Corona Dilemma (see attached pictures) [14].
If we had always put health ahead of the economy, here’s what would have happened a long time ago.

• Alcohol would be banned
• Tobacco would be banned (21918 deaths/day globally) [14]
• Highly processed and fried foods would be banned
• MORE climate change and air pollution prevention measures would be put in place.
• Driving would be banned (3699 deaths/day globally) [14]
• We would instill a lockdown during every flu season to conserve hospital capacity. NOTE: 230000-650000 people die globally of the common flu every year [28].

Doing the above would save millions of lives globally. But we accept those risks despite high fatality numbers, in order to stimulate the economy. We leave the decisions to drive cars, consume alcohol, eat fried foods and smoke in the hands of the people. (Yes, they are not CONTAGIOUS so it’s a different form of threat, but a death is a death, specially if it is statistically preventable).
Another important point to consider is that politicians are making decisions while being completely protected from the consequences of their decisions. Their salary stays the same and their large pensions fully protected. This is a position of PRIVILEGE.
WHY IS THE PUBLIC SUPPORTING THESE POLICIES?
For the general public, there are many working from home with pay. They have little to lose with a lockdown, so it is easy to support it. Again, a position of privilege. They are unaware of our country’s disastrous economic situation or the dangerous effects of a lockdown.
But more importantly, public support is being driven by mass hysteria; from the fear-mongering and sensationalizing of news by irresponsible journalism and incompetent politicians.
QUESTIONS FOR THE GOVERNMENT
QUESTION: Why are high cycle threshold PCR tests still being used as the lone source for creating broad policies, despite their known inaccuracy and unsuitability? Can we stop with the constant regurgitating of daily case numbers?
QUESTION: Why are long term care facilities still experiencing COVID related deaths and not being protected better?
QUESTION: Why is the rest of Canada shut down when a distinct majority of the COVID related deaths are occurring in long term care homes, in age groups of 70+ and persons with co-morbidities?
QUESTION: Why do thousands of small businesses have to suffer when there is no proof that they are responsible for COVID transmissions?
Ontario COVID-19 Science Advisory Table [29]: Restaurants, bars and clubs were the source of 0.7% of all COVID transmissions in Ontario. In fact, 58% of COVID cases do not know how and where the person was infected. The primary known source, close contact, adds up to 45% of Ontario COVID transmissions [29]. This means an unmasked setting for a prolonged period near someone close to you.
Have we seen Walmart and Costco take the contact information of every customer that enters the premises? No tracing = no cases = let them stay open.
Our politicians are blindly flailing at theories and superstitions to control this virus. How can a politician rob someone of their entire livelihood based on a hunch?
QUESTION: What is considered essential? Who decides this? Why is the LCBO (alcohol store ) open but gyms are not? To every person who is about to lose their job or business, is that not considered ESSENTIAL?
QUESTION: Why is a cost-benefit-result analysis not mentioned in any government policy?
QUESTION: Why has the government not put out a simple disclaimer to increase our Vitamin D3 intake, especially during the winter months? This one measure can possibly yield the MOST result with LEAST effort and collateral damage.
QUESTION: Why has the government not volunteered to take a pay cut, given that most of the population is suffering economically? Don’t CEOs take a pay cut when their company is in financial trouble?
NOTE: The New Zealand PM and her ministers took a 6-month 20% pay cut in April 2020 [30].
SIDENOTE: A Canadian MP who only holds 6 years in office gets a lifelong pension. Even a war veteran does not get this benefit [31]
QUESTION: Why are these policies being made behind closed doors? The Ontario government has abused its arbitrary emergency powers to make policies without the input of ALL members of Parliament. When did we give up democracy? Watch The Ontario Government Being Questioned About This In Parliament: https://fb.watch/22j-hpTDiL/
Why have those affected financially not been given a choice? If someone has to worry about putting food on the table and a roof over their head, they should have the right to go out and make a living. Let them decide for themselves whether they are willing to risk contracting COVID (a disease with a lethality rate of under 1% for the younger healthy working population).
QUESTION: Why is every international arrival subject to an archaic 14-day quarantine, when the Canada’s chief public health officer Dr. Tam herself has said that there is little - if any - evidence of COVID transmission aboard aircraft? [32]
COVID transmission through travel primarily occurred BEFORE mitigation measures were implemented. Now, it is one of the safest public places you can be in. As of Jan 2, 2020, travel has only accounted for 2.5% of all COVID cases in Canada (with a known exposure setting). Most of these travel related cases are from early in the pandemic, before restrictions were placed [1].
Read the following fact-based article: The Irrational Fear Around Air Travel Needs To Stop (And We Need To Use Science Based Measures Instead): https://bit.ly/3rnS3GT
Why is rapid testing not conducted on arriving passengers? Results from the McMaster Health Lab rapid test study at Toronto Pearson airport: 99.7% were cleared or detected for COVID on arrival [34].
QUESTION: If someone got COVID and has recovered, they have built natural immunity. Why do they need to be vaccinated?
DOCTORS AROUND THE WORLD ARE SPEAKING OUT
Great Barrington Declaration: https://gbdeclaration.org
World Doctors Alliance: Letter to Citizens and Governments of the World: https://worlddoctorsalliance.com
MOVING FORWARD: WHAT DO WE DO NOW?
We have had 11 months to prepare and learn more. A lot is still unknown about COVID but A LOT IS KNOWN.
COVID is here now and we cannot stop it; that’s the harsh truth. Risk and harm cannot be completely eliminated. COVID will affect some people; that is unavoidable. It cannot be the SOLE reason behind making broad policies.
COVID is a harmful virus but not the killer virus it was projected to be.
There is a fine line between learning to live with COVID vs paralyzing our lives due to COVID, which we crossed a long time ago. Why are we hiding from COVID when we should use our knowledge to fight against it? Let’s stop the shortsighted and reactionary decision making.
We are we so focused on “number of cases and infections”? The test results are not reliable, and infections pose little or no harm to most of the younger healthy population. The important data is “number of hospitalizations and deaths”. In other words, shift our energy from “how do we limit COVID SPREAD?” to “how do we limit COVID DAMAGE?”
The long-term health and financial effects of a lockdown need to be considered. A lockdown will only transfer lives lost and destroyed. It will not save the overall excess deaths to a population. In fact, it will increase them in the long term.
The ONLY way out of this pandemic is through herd immunity, either naturally or through a vaccine. That vaccine is at least more than a year away for most people (another governmental failure). Moreover, there are many who will choose not to take a vaccine (personally, I will take it). We cannot have another 6 months of lockdowns. Every single day adds incredible amounts of short and long term damage.
A SUMMARY OF WHAT SHOULD BE DONE:
(Edit) Firstly, we should continue precautions to limit COVID spread. These are mitigation measures that may yield results without collateral damage: masks, wash hands frequently, don’t touch your face, reasonably limit social interactions.
I hope it’s clear: the problem isn’t number of cases. It’s the number of deaths and number of hospitalizations.
We know one thing for sure: Lockdowns should be our absolute last measure and that they will still come at a serious cost to society. Lockdowns are a REACTIVE measure to avoid getting hospitals overloaded.
Our most helpful measure to avoid a lockdown would have been to increase hospital capacity, but the government has failed us there.
Moreover, implement the actions below:

1. Offer Focused Protection for the following: long term care homes, the vulnerable population and those that have UNAVOIDABLE interaction with them. The measure alone may reduce COVID related deaths by 90+%. Even if the above demographic is half of the Canadian population, at least the other half don’t need to be locked down.
2. Let everyone else live normally, if they CHOOSE (of course, with cautionary measures)
3. Promote a healthy lifestyle, nutritious diet and increase Vitamin D intake for EVERYONE. This alone may reduce the number of hospitalizations, severe cases and long COVID.
4. BONUS MEASURE: All politicians need to take a pay cut. Sign the following petition: https://www.truenorthinitiative.com/politicians_need_to_cut_their_salaries

LET ME BE CLEAR. This is not about Lives VS. Economy. Health policy has been mistakenly sold as such. The truth is that a Focused Protection approach will save more lives and protect the economy. It’s a win-win.
This is about using everything we know to have an all-inclusive approach and look at the bigger long-term picture. To make decisions using science, data and logic, as opposed to fear and emotion.
Enough damage has been done. Don’t make the CURE worse than the virus. Don’t let political agendas get in the way of real help.
Free discourse is important because it helps to prevent bad ideas from blossoming and spreading.
We cannot simply accept the first viewpoint presented to us. Science requires many different points of view, rigorously tested, before arriving to a conclusion [35]. Science DEMANDS opposing opinions. Propaganda, on the other hand, silences it.
Something is VERY wrong when there is massive blowback to any questioning of the narrative. Something is VERY wrong when fear has become a virtue and courage a vice [35].
Something is VERY wrong when law enforcement questions the government about why they are forced to abandon their oath to the Charter Of Rights & Freedoms. Read their letter: https://bit.ly/3nW0Mhu
Please copy, paste or share this message if you agree.
SHARE ORIGINAL FACEBOOK POST: https://bit.ly/2IRbRRC
Samad Kadri
[[email protected]](mailto:[email protected])
REFERENCES
[1] https://health-infobase.canada.ca/covid ... s.html#fn1
[2] https://www.ctvnews.ca/health/more-than ... -1.5162396
[3] https://www.nature.com/articles/s41598-020-77093-z
[4] https://www.theguardian.com/society/202 ... n-d-supply
[5] https://www.nutraingredients.com/Articl ... in-D-alarm
[6] https://www.snopes.com/news/2020/11/03/ ... s-improve/
[7] https://www.nature.com/articles/d41586-020-03141-3
[8] https://www.fda.gov/medical-devices/saf ... RHTwitterD
[9] https://cormandrostenreview.com/report/
[10] https://www.who.int/news/item/14-12-202 ... -ivd-users
[11] https://academic.oup.com/cid/article/71/10/2663/5842165
[12] https://www.medrxiv.org/content/10.1101 ... 20214494v2
[13] https://www.narcity.com/en-ca/news/lock ... rol-method
[14] https://www.preprints.org/manuscript/20 ... 2/download
[15] https://cmha.ca/wp-content/uploads/2020 ... NAL-EN.pdf
[16] https://www.sciencedirect.com/science/a ... 8120310386
[17] https://globalnews.ca/news/7464926/coro ... -capacity/
[18] https://www.fraserinstitute.org/sites/d ... mary_0.pdf
[19] https://www.cmaj.ca/content/192/44/E1347
[20] https://www.budget.gc.ca/2019/docs/plan/toc-tdm-en.html
[21] https://www.ctvnews.ca/politics/federal ... -1.5209807
[22] https://www.weforum.org/agenda/2020/12/ ... dp-covid19
[23] https://www150.statcan.gc.ca/n1/daily-q ... 6a-eng.htm
[24] https://www.thestar.com/business/opinio ... ke-30.html
[25] https://www.cfib-fcei.ca/sites/default/ ... losing.pdf
[26] https://www.iedm.org/the-flawed-covid-1 ... wn-canada/
[27] https://www.nationalreview.com/cornep ... grace/amp/
[28] https://www.health.com/condition/cold-f ... every-year
[29] https://www.thestar.com/news/gta/2020/1 ... tario.html
[30] https://globalnews.ca/news/6820459/jaci ... s-pay-cut/
[31] https://www.canada.ca/en/treasury-board ... -plan.html
[32] https://www.cbc.ca/news/politics/covid- ... -1.5797065
[33] https://www.canada.ca/en/public-health/services/diseases/coronavirus-disease-covid-19/epidemiological-economic-research-data.html
[34] https://mcmasterhealthlabs.ca/pdf/MHL%2 ... Tr6W2NgSCw
[35] https://financialpost.com/opinion/2020- ... he-science
[36] https://www.publichealthontario.ca/-/media/documents/o/2020/opioid-mortality-covid-surveillance-report.pdf?la=en

Note: I was technically supposed to post this earlier this week, but noticed that no one was signed up for today (plus I was super busy earlier), so I'm posting a bit late, under a throwaway account! Fair warning: I'm VERY verbose, so this will be long!
Section One: Assets and Debt
As I mentioned above, I make $56k per year as an administrator in higher education. My husband (K) just got a raise to making $155k per year. He works as a lawyer, has been in the workforce for about 12 years. I won't get into too many details but he works for a small boutique firm, not Biglaw. He also sometimes gets a yearly bonus of around $10k-20k but it's not guaranteed or anything like that. K and I have totally combined finances, so the below numbers are for both of us. I have a humanities PhD but I decided to leave academia and find an alt-ac job. My current position has good work-life balance (I never work past 5 pm), but pays terribly and my university is very badly run. I'm hoping to leave higher education all together in the future and am currently enrolled in a certificate program to try to make a career transition to instructional design.
The big elephant in the room is that my husband, K, makes a lot more money than me. When we first met, he was paying off massive amounts of student loans and making much less, and I was debt free with a lot of savings, so we both spent about the same amount. Now he makes 3x what I make and we are both debt-free, so the difference is much more noticeable. We do argue about money sometimes (more in the past), but the reality is that I have a humanities PhD and will likely never out earn him, and he knew that when I married him, lol. Because of all the labor I do around the house and in our lives to support him as he works a much more intense job, I was very clear that I believed we should split our finances equally as soon as we got married. We don't have separate accounts and we generally check in with one another whenever we are planning to spend more than $100. This system works for us for now.
I also want to address the question about parental or family support. Although I technically paid all of my own bills since I got my Bachelor's degree, my parents supported me a lot by paying for my flights home to visit at Christmas or in the summer as Xmas presents/birthday presents. My parents also paid for my undergraduate degree (and K's parents paid for his undergraduate degree as well). They also gave us about $15k to pay for our wedding.
Finally, my parents recently gave me $20k as an "early inheritance." They told me they plan to do this every year (depending on the stock market). We put this money into a brokerage. I don't consider my parents rich, as they both worked hourly jobs in health care my entire life (as a nurse and respiratory therapist - both with only associate's degrees). We never owned a new car, when we went on vacation we stayed in hostels , and shopped almost exclusively at Goodwill. But they scrimped and saved and now they have over $1 million in a retirement account. So I want to acknowledge my financial privilege in that I came from this kind of background. K's parents are similar.
Retirement Balance: $186k (combination of 401k, 403b, 457, 2 Roth IRAs, and taxable brokerage account).
Equity: None, we rent.
Savings account balance: Approximately $45k.
Checking account balance: Right now, around 8k.
Credit card debt: Right now, around $3k. But we pay it off each month with our checking account balance.
Student loan debt: $0. We finally paid off my husband’s law school loans (around $130k), last year. I didn’t have any student loans from undergrad (parents paid) and my MA & PhD were fully funded.
Section Two: Income
Income Progression: I’ve been working in my current field for 3 years. I started off making about $53k and got tiny 2% “merit increases” twice. Then in July my payroll title was changed, which triggered a required raise of about $2k. (I am dramatically underpaid).
Before my current position, I was in academia. I worked as a visiting assistant professor for one year at my alma mater (made $50k for 9 months of work) and before that I was a graduate student for 7 years. I was paid $18k-21k in stipends each year and my tuition & benefits were covered. Luckily, I lived in a very low cost of living area and this was enough for me to live on without going into debt. I got my PhD in 2017. Before I was a graduate student, I taught English in Japan for three years and made around $36k per year. In high school and college, I had random jobs that provided grocery/spending money, but I was lucky enough to have parents that paid my tuition and my rent in college.
I’m currently trying to make a career change (as you will see in my diary) and enrolled in a certificate program which runs from Autumn 2020 to Spring 2021 in order to help with that.
Main Job Monthly Take Home: $7,634. This probably seems low relative to our joint income, but we max out our 401k (K) and 403b (me). I work for the state government, which means I’m also eligible for something called a Deferred Compensation Plan (457b). This is basically the same as a 401k but you can withdraw contributions and gains from the account at any age without penalty (of course, you still have to pay taxes). I also max this out, and the limit is the same as a 401k/403b - $19.5k. Also this number is before K’s raise is accounted for. It won’t increase until his end of February paycheck.
Other deductions - I have health insurance taken out (about $80 a month for me, K’s firm covers his premiums) and taxes. WA has no state taxes, so it’s only federal taxes. I used to have to pay $50 / month for a bus pass (K's was free), but I don’t pay any longer because I’m working from home during COVID.
Final note - the sum I mentioned in the headline includes a variable bonus my husband gets. My base pay is $56k and his is $155k (as of February 1). This year he also got a bonus of $20k, which is set up a bit strangely. About $4k of this was structured as a 3% matching contribution to his 401k and the rest was taxable income. In small law firms, it’s unusual to get any 401k match so this was nice.
Side Gig Monthly Take Home: None.
Any Other Monthly Income Here: We get some interest from our savings account… like $25 a month.
Section Three: Expenses
Rent: Rent comes to approximately $2,050 total for a one-bedroom apartment. Rent itself is $1886, then we have pet rent ($25 per month), bicycle parking ($15 a month) and water / sewage / gas, which is usually $120-150 (variable cost).
Renters insurance: $157.76, paid annually. $13 a month.
Retirement contribution: In addition to the 401k, 403b, and 457, which all come out before taxes, we max out our Roth IRAs. That means $500 each per month per person (for a yearly total of $6k each). As I noted up top, we match out our 401k and 403b (19,500 each) and our 457. My employee also offers a 7.5% match. K's employee offers a 3% match but it is included in his yearly bonus so it's not guaranteed (confusing).
Savings contribution: We put $500 per month into our emergency fund. We also put about $860 a month into our “sinking fund,” which covers large and small annual or sporadic purchases such as vacations, gifts, Amazon Prime renewal, car insurance and renters insurance, etc.
Investment contribution: $875 per month into a taxable brokerage at Vanguard.
In total, we save about 47% of our gross income. We can do this because we keep our housing cost low relative to our high income, we don’t have any debt remaining, we don’t have any kids or parents who need financial support, and we’re very privileged in a lot of ways. We are hoping to FIRE within 10 years.
Debt payments: None.
Donations: We budget $100 per month for donations, which includes one-time donations as well as some reoccurring donations. My husband does pro bono work as well. I would like to increase this by quite a bit, but I still have a hard time budgeting for donations because I spent 7 years living on approximately $20k a year. To go from that to making more than 10x that amount within 3-4 years is obviously something that I am very privileged for, but it is still hard for me emotionally to comprehend at times.
Electric: ~$50-100 (billed every other month)
Wifi/Cable/Landline: An extortionate $87.12 for slow internet that only works for Zoom calls about half the time. Do I really live in one of the tech cities of the future?
Cellphone: $170 (This includes both service and paying off two new iPhones. We could have paid them off up front, but it was actually cheaper by like $50 to go on a payment plan.)
Subscriptions: BritBox ($7.70), Spotify ($16.50), HBOMax ($16.50), We Hate Movies Patreon (my favorite podcast - $8.81). My parents pay for Netflix and my sister pays for Hulu, and we all share.
Gym membership: None. K and I both run and do yoga with YouTube videos. Before the pandemic, we went to yoga classes pretty frequently in person. I’d like to do some online synchronous yoga classes but find it hard to make time.
Pet expenses: Varies, but I budget $50 per month and also include an emergency fund for my cat’s vet bills in our sinking fund. She’s 11 years old and probably asthmatic, so I know her vet bills are going to increase over time.
Car payment / insurance: We own our car outright. Insurance billed yearly is $2,097, about $174 per month.
Regular therapy: $0
Paid hobbies: Nothing regular, sporadic language classes and art supplies.
Other expenses: Right now I’m doing a certificate to hopefully help with a career change. The total cost for tuition is about $5k and we already saved it up (included in our 'sinking fund') basically through spending less during the pandemic. I’ve paid two quarters so far, and the last quarter (due in March) will be a bit more - about $2.3k.
__________
Day 1
Morning: I wake up at 5:30 am. Ever since the pandemic, my sleep schedule has been shot. At first, I was so happy not to have to leave the house at 7:15 for my 45 minute bus commute and I slept in a lot. But the stress (and maybe getting old?) has made me an early riser, no matter how much I try to sleep in. I do value my early mornings with just me, my cat, and my coffee, though.
I start work at 8 am and begin by triaging my emails. I have a bunch of deadlines this week, so it’s busier than usual. My job tends to be very seasonal, and sometimes I have a ton of work and sometimes I have none and can work on other longer-term projects. I have a piece of toast for breakfast and place a Whole Foods delivery order for the following day at 10:30 am. We made a meal plan and put everything in the cart the day before ($117.36, including tip).
Afternoon: I have my lunch break from noon to 1 pm. It doesn’t really matter when I take my lunch break, since I’m salaried, but the others in my office are hourly so in the before times we used to always close our office during the same time. I have a piece of leftover delivery pizza and some spinach risotto that I made a few days earlier. I also have half a brownie – the last one from a batch I made a few days ago (K gets the other half). He also has leftovers for lunch.
I should say at this point that both K and I are lucky enough to have been working almost entirely from home since early March. An area near Seattle was one of the first places to get hit by COVID-19, and my state and both of our employers have been taking it very seriously ever since. Working from home hasn’t always been easy since we live in a 600-square foot apartment. Also, there is a three-story townhouse being built directly next door to us and I can hear the pounding in my dreams at this point.
Around 2 pm, I go for a 2-mile run. I feel like some money diarists tend to toss off things like “oh, I went for an easy 7 mile run,” at the drop of a hat, so I want to be clear – running for 2 miles isn’t easy for me; it’s exhausting, annoying, sweaty, and generally gross. Also I am very slow. But it has kept me sane during quarantine.
Meanwhile, my husband goes to our local pet store to get an enzymatic cleaner (our cat peed in one of our suitcases… I think it’s probably a lost cause, but it was basically brand new, so worth a try) and special weight-loss cat food. Our cat is an 11-year-old rescue from the Humane Society and she is a chonky girl. We had to sign a waiver when we adopted her, saying that we understood that she was very overweight, lol. Our vet recommended a special diet food, rather than just restricting her intake as we have been doing, so we will give it a try ($78). My husband also stops buy our local wine store and picks up two bottles. We’ve been doing a dry January, so this will be our first drink for a while ($27.53).
I have a phone interview scheduled for 4 pm – just a preliminary interview with an internal recruiter. It’s the first ‘corporate’ job interview I’ve ever had, since I’ve been in academia my entire life. I’m trying to make a pivot into instructional design / training and development. I’m just excited to get an interview. It seems to go pretty well, but who knows. They tell me they will probably get back to me by the end of this week.
Evening: My husband whips up a random meal of fridge remnants – pesto pasta with sausage and a fridge salad with feta and bell peppers. It’s pretty tasty with a little Sauvignon Blanc. During dinner, we play a card game we call gin rummy, although it bears no resemblance to the actual game. After dinner, I make a chocolate cake with orange buttercream frosting and we watch Cobra Kai.
Daily total: $222.89
Day 2
Morning: Up early again, a piece of toast for breakfast (very exciting). We’re out of eggs until our Whole Foods order arrives. I’m working on creating some tedious but necessary spreadsheets this morning.
Noon: Our Whole Foods order arrives around noon. Excitement! They’ve given us a half-rotten bag of romaine lettuce and substituted pecans for hazelnuts. I should probably just double mask and go to Trader Joe’s myself (our regular spot, only a 5-minute walk from my apartment). I’m just getting anxious about these new variants.
I have leftover meatloaf and spinach risotto again for lunch. Lots of meetings and more organizing spreadsheets in the afternoon. Around 3 pm, I go for my daily ritual - a 20-minute walk around my neighborhood. It’s still raining slightly but I need to get out. Halfway through the walk, I get an email from my apartment manager telling me the apartment will no longer accept debit card payments, direct deposit, or credit card payments for paying rent. In other words, only checks or money orders (?!). Ugh. Our lease is up in 4 months and we will not be renewing our lease. Our last apartment manager was a gambling addict who may have been stealing people’s identities, but by God, he kept things working. Ever since they fired him, this place has been going downhill.
Evening: I check my bank statements to update my budget spreadsheet and realize that I have been billed the wrong amount of rent. They actually charged me less than they should have. I don’t trust my apartment manager not to start charging me a late fee or something for this, so I call them up. They are baffled by how to fix this, which you would think would be the one thing you would want to get right, if you’re renting out apartments.
K cooks dinner – steak with a Roquefort sauce and glazed brussels sprouts. It’s from a French cookbook we recently bought and it is delicious. I work on classwork for my certificate program while he cooks. After dinner, I do the dishes and buy the 13th season of RuPaul’s Drag Race. I watch the first episode – lots of shocking twists and turns! I’m planning to watch the rest of the episodes together with my younger sister, M ($22.01).
Daily total: $22.01
Day 3
Morning: K has an 8 am dentist appointment, so he takes off early. He already paid for the work last month, so there’s no charge. I have a piece of toast for breakfast and get to work checking my emails. It’s 8:20 am and the construction crew building a townhouse next door is blasting mariachi music. I’m glad someone is having fun. At least the sun is coming out.
Someone at work has made a critical error, but it wasn’t me, thank God. I was the one who found out about it, but it’s still going to cause a big old headache for me. I’m ready to be done with this job. K and I go for a run so that I can exhaust myself enough to no longer be furious about said careless error.
Noon: I have leftover spinach risotto and meatloaf again – exciting. I’m busy at work but frankly, not a lot going on other than that. Still no word about fixing my rent payments. I’m not really willing to pursue this any further at this point.
Evening: I start making chili (Turkey Chili from the NY Times) and cornbread (from my new cookbook, Jubilee). K is doing some work on our investments when he announces that, somehow, a transfer was scheduled from our checking account to our savings account of $55k (?!) We obviously don’t have $55k in our checking account, so we start frantically trying to figure out what’s going on. Numerous phone calls later, we still don’t know if that was a hack, if my husband somehow mistakenly scheduled the transfer himself, or if the bank messed it up. Either way, it doesn’t seem like any harm was done since the bank with our checking account just declined the transaction. But it seems really strange and worrisome. We get to work changing the passwords on all of our accounts, just in case it was some kind of hack.
After dinner (and chocolate cake), I have a Zoom happy hour with a local friend. We occasionally see each other outside but it’s nice to have a longer chat from the comfort of our living rooms. We both love murder mysteries, so we signed up for a service where a company sends us letters with clues and we try to solve the mystery together. It’s a fun way to stay connected and look forward to something during the pandemic. The service costs about $15 per month, but I paid for it in lump sum for 3 months, so it’s not included in my budget above. I drink some wine and we vent about work (we work at the same place) before getting started on the puzzle.
Daily total: $0
Day 4
Morning: I sleep in a bit, which is nice. Get up around 7 am. My parents are both getting their 2nd vaccine today – they’re both in their 70s and I am so relieved. I send my mom a “congratulations on being vaccinated!” text and we chat for a bit. I have leftover cornbread with honey and butter for breakfast – soooo good.
Work is not particularly exciting today, but someone sends me a last-minute request for something that does not need to be so urgent. I feel annoyed. Still no word from the interviewers on Monday, and I’m beginning to suspect I wasn’t selected to move forward. Too bad. K pays for a Wordpress website for the year (it’s a work-related website, but sadly his work doesn’t reimburse him). It costs $92.48.
Noon: The mariachi music is particularly loud today. I stand out on my balcony in the sun for a while and watch the workers. It’s been interesting seeing a house go up next door in real time, especially since I’m at home all the time. The workers are balancing on the top of the third story wall without, as far as I can see, anything like a safety line. It seems unsafe, but I presume they know what they’re doing.
We booked a cabin for the upcoming weekend in the Hood Canal region of Washington to do some hiking and birdwatching. I want to be as safe as possible and not go to any grocery stores or risk spreading COVID in any way while I’m there, so I place another grocery order with Whole Foods just for some special treats for the weekend. The cabin has a small kitchen and a grill, so we’re planning to make a fancy steak salad on Saturday. I order chips and hummus, some fancy cheese and meats, Tate’s cookies (I’ve heard a lot of good things about these), a baguette, and the ingredients for the steak salad. I also order a few staples I forgot in our last order, like sweet potatoes, more coffee, and half and half. It comes to $87.41, including tip, but that does include like $30 worth of steak. For some reason, I can’t order a small amount of steak online, so I’m planning to freeze half of it for later. (I include this purchase in our vacation fund budget, rather than under our regular grocery budget).
Around 2 pm, K makes a quick trip to our local wine store to buy an Oregon pinot noir and some port to enjoy at the cabin ($59.45). This store has an outdoor walk-up counter where you can tell the owner what you’re looking for, and he brings you some options (the store is way too small to allow customers to enter during Covid). It’s fun to chat with another human being, even briefly.
Evening: After work, we spend a little time rebalancing our investing and retirement accounts. We decide to put more money into bonds and a little bit into REIT’s as a hedge against a potential crash or recession in the future. Then I start making dinner – Broken Eggs (Huevas Rotas) from the NY Times cooking site. You basically cook the potatoes in a skillet in water, spices, and olive oil, and then sauté them to crisp them up once the water evaporates. Then you add onion, lots of garlic, and finally some eggs. It is delicious. I eat it with leftover cornbread while watching RuPaul’s Drag Race season 13 with my sister – we watch the first two episodes. It’s full of twists and turns. A note about this – we have an elaborate procedure for watching shows together developed during quarantine whereby we start the show at the same with an earbud in one ear, while FaceTiming. I also have chocolate cake, of course.
Later, I get an email that I’ve signed up for HBO on Amazon Prime. I definitely have not. I text my mom, who shares my account, and she tells me she signed up by mistake. I cancel right away and luckily they won’t charge us for it.
Meanwhile, K is doing an online Japanese language class over Zoom. He’s been interested in learning ever since we went to Japan last January. I lived in Japan for 3 years so I was able to take us around to a lot of more obscure places and he really enjoyed the trip – it was a blast.
K starts a YouTube yoga class (from Do Yoga With Me – my favorite channel) and I join him for part of it before bed around 10 pm.
Daily total: $239.34
Day 5
Morning: I get up around 7 am and we go for a run first thing. I prefer running early in the morning because there are fewer people to avoid during COVID. We do a different route today – it’s longer (3 miles) but has fewer hills. It’s a slog, as always, but I feel good when I get back right around 8 am. I jump straight onto my computer to start checking work emails and my husband makes us avocado and egg toast for breakfast - it is absolutely delicious.
We talk about how our bathroom smells distinctly mildewy (yay for being a grown-up because I guess this is what we talk about now) and we buy two big buckets of DampRid on Amazon ($26.60). I’ve found this to be a necessity in Seattle. Mid-morning, I take a break from work and start packing for our trip to the cabin.
Noon: I have leftover potatoes and cornbread for lunch, and my husband has the leftover chili. We finish getting ready to leave and head out right after lunch, taking a half day. The only problem is that I have attend a meeting at 3:30 pm, so we head out hoping to get there in time. Our cabin is near Quilcene in the Hood Canal region of Washington, about a 2 hour drive or a 2 hour ferry ride + drive. We are initially planning to take the ferry both ways, but realize that we mistimed the ferry departure, so we drive the whole way instead. Luckily, there’s little traffic mid-day, and we arrive at our Airbnb around 3:00 pm.
The Airbnb is beautiful! It’s a small cabin handmade by the owner, whose house is next door. It’s very rural, with a beautiful view. It’s tiny, but has a little kitchen and a waterfall-style shower with river rocks on the floor. It’s a great place to get away for a short time. Luckily, it also has good reception and I’m able to sit in on my meeting with no problems. My husband also does a little work, and then at 5 pm we’re free!
In our planning, we decided to get takeout on Friday night, since the little kitchen isn’t designed for any serious cooking. We call ahead to a local restaurant to order burgers (one of only 2 restaurants in the whole town). It’s around 5:30 pm and the place is deserted. It’s a microbrewery, but they tell us they haven’t been making beer since COVID-19 hit. None of the workers are wearing masks when I walk in, but they put them on when they see I’m wearing one. I pick up our order - a few bottled beers and burgers and fries ($49.52 including tip).
Back at our Airbnb, we watch Big Trouble in Little China and enjoy our very messy, but delicious, burgers (it costs $4.39 to rent). The movie is very campy but fun. I love silly action movies, as you will see with my other viewing choices. We wrap up the night in a very exciting fashion, eating chocolate cake and watching old episodes of the original Star Trek.
Daily total: $80.51
Day 6
Morning & noon: When we wake up around 8 am, the weather is looking thankfully clear and even sunny! We were expecting rain, so we’re really glad. We decide to go hiking today, and we head out before even having breakfast, with snacks and lunches packed. Our first destination is a hike called Mt. Zion, but unfortunately, we run into enough snow 2 miles before the trailhead that we decide to turn back. We don’t have any traction for our Subaru and don’t want to risk getting stuck on a very narrow mountain road. Instead, we drive another hour or so to the Lena Lake trailhead, a very popular and less strenuous trail. It’s about 7.5 miles roundtrip with 1200 feet of elevation gain.
By this time, it’s around 11:30, but luckily there is still parking. It’s a great hike up, and we run into relatively few people. We always mask up whenever we pass anyone, as does about 50% of the people we meet. The others… not so much. Around a mile from the lake, we start to run into snow. It’s turned into a beautiful sunny day, and I’m loving seeing all this snow! It’s a bit slippery, but not too bad. We make it to the lake mid-day, and it’s super jammed – there’s only a small viewpoint accessible, so everyone is crowded in there. I feel a bit uneasy with all the unmasked people, but we manage to find a spot away from the crowd and sit down to eat our lunch of apples, chips, and energy bars. There are a ton of robber jays there (Canada Jays) which try to eat our chips. It is fun watching them, but I’m annoyed to see some kids feeding them – it’ll just make them that much more aggressive. Bad trail manners.
On our way back down, we get stuck behind a group of 5 unmasked adults, who refuse to cede the narrow trail to faster hikers. I’m a slow hiker myself, so, to be clear, I’m not angry at slower walkers being on the trail but have some self-awareness and let people pass! especially if you’re going to go hiking in a big group during a pandemic! We finally get back down and head back to our Airbnb.
Evening: Back home, we explore some of the trails our Airbnb host has set up around his extensive property, and then relax on the deck. The sun is breaking through the clouds and it feels wonderful to sit out in nature and feel the sun on my back. We open up a bottle of wine and have a few pre-dinner snacks (more chips and hummus). For this night, we brought ingredients to make a steak salad. Our Airbnb host has kindly set up a charcoal grill for us, so we grilled the steak and toast some bread on the side.
We eat dinner while watching the truly terrible Jean Claude Van Damme movie Bloodsport and finish up the very last of my chocolate cake. It’s amazing that anyone ever let Van Damme act… or should I say ‘act.’ I also have a Tate’s chocolate chip cookie or two, accompanied by a little port. My husband and I are truly very old people at heart, so we finish up the night watching a few episodes of Columbo.
Daily total: $0
Day 7
Morning: Unfortunately, K had insomnia last night, so he sleeps in pretty late. I drink coffee in bed and enjoy looking at the view out our big windows. Once he’s up, we get packed up and write a thank you note for our host. It was a great stay.
One of my big hobbies is birding and K enjoys wildlife photography, so we go out to look for some lifers! (The first time you see a new species of bird). Did I mention we are very old people in (relatively) young bodies? We first go to Dosewallips State Park and see some bald eagles, great blue herons, lots of various ducks, and a flock of Canada Geese, which, strangely, includes a domesticated gray goose. He’s much larger than the Canada Geese and seems to be watching over them. It’s kind of cute. Unfortunately, a lot of the birds are too far from shore to be seen clearly.
Our next stop is Point No Point (I love all the sad & disappointed names that early Westerner explorers gave places in the Washington/Oregon coast), a popular birding spot. We see a ton of birds here, and I can understand why it’s so well-known - Red-Breasted Mergansers, Western Grebes, Common Goldeneyes, Pacific Loons, and a few others I can’t identify yet. Most excitingly though, we see a whole pile of otters! They’re lounging around together on a rock just offshore and a ton of people are watching. We watch as they all slip off the rock and go hunting in the shore. It’s my first otter sighting in the wild, and it’s so cool! We also see some seals and possibly a sea lion. It’s a great spot for wildlife. We eat some snacks (hummus, chips, some sliced meat & cheese) before we head out.
I really want to come back to this area another time and explore further, but K has decided that we need to get back home in time for the Big Game. We take the 3:00 pm ferry back to Seattle ($16.40) and get home around 3:45 pm. I veg out at home while my husband watches football. He’s a Patriots fan but he still loves Tom Brady (??) so he’s happy to see Florida win. I don’t understand sports team loyalties at all, but whatever, I’m glad he’s happy. We order from a new Indian place called Spice Box and get vindaloo, roganjosh, and vegetables pakora – so tasty ($53.96). Happily, there’s enough left over for lunch the next day, since I have no plans for what we will eat yet!
I’m really dreading work the next day, as I know that it will be obnoxious. I want to get out of my job so badly, but it doesn’t look like I’m going on to the next interview stage for the job I interviewed no back on Monday. I’m feeling kind of down about it. I try to stay positive and promise that I’ll apply for at least 2-3 new jobs next week. I bake up some frozen cookie dough I had in the freezer and feel sorry for myself. We end the night by watching another episode of Columbo.
Daily total: 70.36
Food + Drink: $395.23
Fun / Entertainment: $26.40
Home + Health: $26.60
Clothes + Beauty: $0
Transport: $16.40
Other: $170.48
Grand Total: $635.11
I think this week was pretty normal for us. Obviously we spent a bit more than usual due to the weekend cabin trip, but nothing outrageous. Our largest consumer spending category is definitely food and drink – we live in a very busy area of Seattle with tons of restaurants and bars so believe it or not, we actually used to spend even more on eating out. We still try to support our local places by getting takeout or delivery during the pandemic and even occasionally getting a few drinks outside. I spent more than usual on groceries due to stocking up for the weekend away.

This post is mod-approved and I hope it's helpful.
My name is Jared A. Brock and today is my 35th birthday. It’s been a wild ride: I’ve walked across hot coals, swam up an underground river by candlelight, eaten bull’s testicles, and roasted marshmallows on flowing lava.
I’ve written three books, directed four films, published 400+ articles everywhere from Esquire to The Guardian to TIME Magazine, road-tripped through 45 American states and nine Canadian provinces, helped get some laws changed, and traveled to forty countries including North Korea and the Vatican.
I’ve enjoyed nearly thirteen years of marriage to my seventh-grade sweetheart, and we’ve been blessed to fundraise hundreds of thousands for charity. Though not without tons of mistakes and some major setbacks — financially, physically, emotionally, spiritually — it’s been a pretty decent trip so far.
I’m lucky, blessed, downright spoiled. And even though I certainly don’t claim to be wise in any way, shape, or form, here are 35 things I wish I’d learned far sooner. None of these are rules or commands for you to follow, just personal reflections from a decade of journaling. I hope they save you a lot of time, energy, struggle, and life:

1. “Save the best for last” is terrible advice.

A French monk taught me this one. Every morning, I put on the newest pair of socks in my drawer. Why wear the rattiest pair? When I sit down to eat, I eat the tastiest bits first. Why let them get cold? After every shower, I put on my favorite clean t-shirt. I have a great bottle of 10-year-old Laphroaig scotch in my cupboard, but I probably won’t drink it for months because I received two bottles of reactor-aged Lost Spirits single malt for Christmas.
Why? Because life is hard enough and we aren’t promised tomorrow. This doesn’t mean we should throw caution to the wind and “live in the moment” at all times, but it does mean we should try to find the golden middle and glean a little bit of pleasure from every day we’re blessed to live. “Save the best for last” is poverty-mentality thinking. It expects worse in the future. Enjoy the best right now — in your marriage, parenting, work, travel, faith, friendship, contribution. Keep all the chips on the table. Be ready at all times to leave without regret.

2. Tools use us.

A hammer literally cannot hit a nail without using a human.A saw cannot cut through a board without using a human.A phone cannot deliver ads without using a human.

3. Avoid false dichotomies.

When given two great options, choose both.When given two horrible options, choose neither.

4. Failure is overcome by one word.

“Next.”

5. Give yourself a shove.

The best way to eat more candy and drink more vodka is to leave them side-by-side on the kitchen counter.
You get it. Willpower is useless. Instead, line up a series of little nudges to automatically get you through your day. If you want to work out, leave your shorts by the door or your cleats in your fridge. My blue diode glasses rest on top of my laptop so I have to protect my eyes before logging online. I can’t not see my vitamins when I brush my teeth, or chia seeds when I reach for the Brita. There’s a book beside my bed, toilet, desk, and car’s gear shifter.
Line up enough nudges and you can shove yourself in the right direction.

6. Awkward is awesome.

My best friend says that The Office gave society a beautiful gift: the ability to embrace cringe. When you meet someone new and it’s slightly weird, pretend you’re Michael Scott. Just glory and bask in the discomfort.
You can awkward-proof your life by being bold: Ask for discounts. Ask for refunds. Ask for phone numbers. Ask for pay raises. Ask inappropriate questions at inappropriate times. Lather yourself in awkward and pretty soon nothing sticks.

7. Ambition is ruinous for your happiness.

Most goal-setters (myself included) live much of life in anticipation of tomorrow, and when that day arrives, they’re either disappointed by their failures or underwhelmed by their successes.
Instead: trust the process. Whiskey, pasta, bread, beer, and cereal all require just two ingredients — wheat and water — but the outcome is completely different based on the process. Identity precedes action. Determine what you want to be, then determine the process that will get you there every single time.

8. The Marines were right: slow is smooth, smooth is fast.

As teenagers, my friend Tyler and I were in a hurry to get somewhere quickly so we drove 120+ miles per hour for forty-five straight minutes before nearly crashing when the speed burned a footlong gash through the tire. By the time we replaced it with a spare, we were late to our destination by more than an hour.
But nevermind driving. Pump the life-brakes sometimes, or at least, let off the gas. You might get there faster.

9. Most “leaders” aren’t leaders.

Celebrities, politicians, and book-hocking business gurus all call themselves leaders. They’re not.
Real leadership is influence that serves. True leaders are selfless and servant-hearted. They put the best interests of others ahead of their own. Politics and media, by comparison, attracts sociopaths like flies to firelight. Never give power to those who seek it. Nearly everyone worth following is dead.

10. Old people know better.

Honoring our elders is one of the most underrated practices in our newness-obsessed society. Sure, there are a ton of old crazy far-right conspiracy theorists, but there are also good people who have survived four wars, six recessions, and twelve presidents and are somehow still smiling. Get to know them.
Also: meet your old-person self. I try to invent a new word every week — one of them is preflection. To ponder the present through the eyes of your future self. Take an hour in silence to listen to your eighty-year-old self. They might know something you don’t.

11. Fire all your employees.

The employer-employee relationship creates an unhealthy power dynamic between humans that simply didn’t exist when we worked cooperatively to feed our clan or village. I love my work life so much more now that I only work with independent entrepreneurs who are my equals. For me, it’s either a one-man show (my writing business), an equal partnership (my film company), or a co-operative endeavor. Life’s too short to be a boss or be bossed around.

12. Accept that you are a voracious locust of doom.

Nail a roll of paper to the wall and write down everything you consume for a year — food, toilet paper, electricity, car fuel, movies, music, social media content, other people’s time, everything. See what I mean?
Saint Augustine said that the human heart can only fully be satisfied by one thing aside from God himself: everything. All the sex, all the money, all the power, all the possessions, all the glory. All of it. Nothing short of everything could ever fully satiate the human heart. We are wired for more.
Understanding this truth is the first step toward real contentment.

13. Forget what the market wants.

Listen to your gut. Your body knows the difference between good and great. Someone said you should never record a song or code an app or write an article unless it makes you laugh, cry, or orgasm. If an idea doesn’t move you, it won’t move an audience, no matter how “commercial” you think it is.

14. Happiness isn’t the purpose of life.

Hitler really was following his bliss by offing millions of Jews. I’m sure Jeffrey Dahmer genuinely enjoyed the taste of human flesh. Bernie Madoff seemed content to bilk charities for decades.
Happiness isn’t the purpose of life. It’s not even in the top ten. Happiness is a seasonal fruit, not a foundational root. Find firm and fertile ground.

15. There is no ugly.

My grandpa re-proposed to my grandma on their fiftieth wedding anniversary and called her the most beautiful woman he’s ever known. Old wrinkly grandma? Yes. Because we choose our definition of beauty through our thoughts, disciplines, habits, and patterns, be they conscious or otherwise.

16. We are what we consume.

The statistical average American is a walking bodybag of sugar, alcohol, caffeine, porn, pills, and digital stimulus. Imagine how different life would be if our only inputs were nature, sleep, sunlight, organic food, and embodied human interaction?
Guard your inputs carefully.

17. We’re going to die quite soon.

Make sure you live first. Practicing memento mori will help.

18. Fame is poison.

One in four Gen Zers thinks they’ll be famous by age 25. One in 3.9999999 Gen Zers are going to have a miserably disappointing life.
Why do people desire the attention of strangers? Because we all need to love and be loved, to know and be known, but are too afraid to risk personal heartbreak to seek it out. Attention is not affection. Influence is not intimacy.

19. Boomers are to blame for half our troubles.

The Me Generation took a free ride at the planet’s expense and is hellbent on taking the rest of it with them. They’re statistically low on empathy — blame the lead, asbestos, and hairspray if you must — but at least acknowledge the reality that life is hard for everyone, and no one has it easier.

20. Children are dope.

Kids are the blood transfusion in our sick system. We need to stop manipulating, brainwashing, colonizing, and propagandizing them, and learn from them instead.

21. It doesn’t have to hurt.

Joy is a choice.

22. Watch comedy before calls and meetings.

Five minutes of gut-busting laughter will prime you for even the most tedious conference call. Your co-workers and customers all have tough lives like everybody else, so brighten their day by pre-brightening your own.

23. No ragrets.

Tattoo it on your neck. Most people play it far too safe. Instead: optimize your life for the least number of regrets and the most amount of selfless contribution.

24. There are better ways to vote.

I’ve manned several local voting stations, and I’ve also hob-nobbed with politicians in Canada, America, and the UK. The reality is that they don’t work for us. They work for their corporate sponsors and private interests.
Democracy isn’t dead. It just hasn’t happened yet, with all attempts to date being stillborn or aborted. Democracy = one voice one vote. Athens wasn’t a democracy — women, slaves, and tenants had zero say. America isn’t a democracy either — no representative system is, because it’s far too easy for private interests to buy politicians. The charade of voting is illusory. All elections are sham elections.
So what to do? Vote with your money and time and attention. One sham vote every four years versus tens of thousands of dollar-votes each year? It’s a no-brainer. My wife and I haven’t stepped foot in a Walmart in more than a decade because thousands of its suppliers are based in China, the billionaire heirs are anti-democratic tax-avoiders, and they treat their employees like indentured servants. Vote for pro-democracy third-party candidates if you must — just understand the game, and also vote in the ways that actually matter.

25. Everything easy has already been done.

So run a little further. And if it hasn’t been done, it won’t be as easy as it appears. The question to ask is: what’s been standing in the way this whole time? Achievement is all about knocking down obstacles. Just make sure what’s on the other side is rightly worth the effort.

26. Broccoli still tastes terrible.

But you’re not a child anymore. Adults do hard things.

27. Fixed-order scheduling > fixed-hour scheduling.

Discipline is great, but it’s also subject to the law of diminishing returns. Life is just too dynamic to schedule with military precision. Free yourself from the tyranny of “only people who wake up at 5 AM are successful.”
All hours are not created equal. It depends on your sleep drive and chronotype. Know yourself. Unapologetically get some sleep, then do your best work at your best time in your best state.

28. “Freedom” isn’t freedom.

America wasn’t founded on freedom. America was founded on violent autonomy.
The ancient Greeks had an entirely different definition of freedom: it was the ability to choose the right regardless of circumstance.

“We talk about freedom all the time, but we’ve stopped talking about freedom a long time ago. Now we’re talking about autonomy. Freedom is different than autonomy. Freedom has boundaries. Truth is one of those boundaries. And morality is one of those boundaries. Autonomy is the ability to do whatever you want whenever you want in whatever way you want. The problem is this: If I’m autonomous and another person is autonomous, and I have preferences and those matter more than the truth, and that person has preferences and their preferences matter more than the truth, when two autonomous preference-seeking beings come together and their preferences don’t match, who is going to win? If truth is on the bottom shelf, truth won’t decide. What will decide will be power. And isn’t it ironic that in our quest for “freedom”, someone gets enslaved?” — Abdu Murray

29. Grandma didn’t use toilet paper.

She used pages from the Sears catalog. Splinter-free wasn’t available until 1935. The Romans used sponges. The Greeks used clay. Francois Rabelais recommended using “the neck of a goose.” Arabians used their left hand.
Never assume our extremely unique cultural moment is “normal.”

30. The quest for wealth is destroying life.

We need a shared global vision. My invented word for it is benevitae: the sustainable flourishing of all creation. Our collective goal should be socioenviroeconomic sustainability. Where to start? We’d do well to let biology determine ecological sustainability and real democracy to determine economic fairness. Our current trajectory is worse than the Space Shuttle Challenger.

31. Ninety-nine isn’t enough.

Water boils at 100 degrees Celcius. The difference between 99 and 100 is the difference between zero and one. Not-boiling, boiling.
Corollary: 101 doesn’t make it any more boiling.

32. Divide-and-conquer is a business model.

Near the end of high school, dozen friends and I binge-watched multiple seasons of LOST in our friend Mike’s basement. It was one of the most hilarious, riotous, enjoyable experiences we had as a group.
And it was the last show we ever watched together.
People used to go to restaurants in large numbers, to the movies by the dozen, climbing over each other for one of the limited video game controllers, packing out our churches, cheering on our sports teams by the busload. We were almost never alone, and we were far happier. Now we order in, watch Netflix, stream Minecraft, catch the highlights, watch porn, and go to bed. It’s killing us.
Resist the urge to be alone. It’s too easy, and it’s the exact opposite of what we really need. The #1 thing that’s correlated to human happiness is human togetherness.

33. Self-improvement won’t save us.

The great lie of individualist-consumerist culture is that we can improve our way to personal perfection and communal utopia. But it’s incrementalism at best.
It’s just chasing infinity.

34. We know nothing +/-.

On the scale of all that is known, and all that is knowable, our individual understanding is essentially mathematically zero. The entirety of human knowledge is a rounding error.
This is the beginning of humility.

35. The sun is not on fire

This whole list began in Texas. I was at an observatory in the Davis Mountains and it was the first time I’d paid attention to astronomy since grade school. For three decades, I’d wrongly assumed the sun was a giant ball of flames.
But there’s no fire in space because there’s no oxygen in space. It just looks like fire because of how our eyes perceive light through the atmosphere and prism.
As I stared at the real-time image of the sun on the observatory wall, I nearly wept. The sun actually looks like a giant, boiling, grey brain. And then it hit me: I have so many assumptions to set aside and so much left to learn.
So pay attention. Don’t worship the “question everything” mantra, but instead spend your life seeking truth, and wisdom, and understanding.
You know what you need to do to get where you want to be.

After lots of thought, I've decided to finish the season up in the summary form, with confessionals to go along with it to keep things detailed. I hope you all understand, and if you have any constructive criticism, let me know in the comments, as it's my first time using this method, so it'd be nice to hear it if you have any. With that being said, let's get to the season!
MEET THE CAST
Aitutaki Tribe

• Albi "Abi" Perez, 25, Maid, u/acegamer1337
  • Albi was born into poverty. Always in need of assistance in life, Albi was constantly taken under an older individual's wing. The one she stuck to was a maid named Patty. Patty was kind, caring, compassionate, all the right attributes a person should have. After forming a close bond with her, Albi asked if she could be her assistant. and she accepted the offer! Now working in Beverly Hills, Albi has talked to the upper class, and thanks to the big chunks of money they give her, living comfortably. Albi wants to win Survivor to escape the life that she carved for herself for a change.
• Jane Harrison, 32, Journalist, u/Enderplayer77
  • Jane is just your average reporter, trying to get the best scoop and photographs. She was living out her dream until her newspaper company started losing money and was going to leave her jobless. Jane, being the determined and strong woman that she is, set out a way to gain money. In the process of this, she heard of this show named survivor and applied for it. She is here today to do anything possible to win the money for her company.
• Luis Santiago, 25, Artist, u/Shiromifeari
  • Luis comes from a huge Hispanic family that was always close and supportive, which definitely helped with his positive outlook on life. From the very early years of his childhood, he was always interested in nature, and the beauty that is the world around us... he wanted to capture it, which led to him dropping out of college later in his early twenties to pursue the career of an artist, things have been going great for him, however... he feels as though he’s gotten an artist’s block lately. After finding out about the conditions of the show, living isolated in nature under the barest of conditions, he applied immediately, as it’s an interesting opportunity for an experience one will likely never get again.
• Marcus "The Leviathan" Garcia, 40, Ex-Prisoner, u/Troopher
  • He is still coping in the outside world since he was prisoned for almost 10 years!! He was called "The Leviathan" since he was the most dangerous/wanted criminal in the world. But once he got to jail his life changed when he fell in love with the lady guard, after he got out in jail the lady guard became his wife and they have one child, but every person he meet is intimidated by him so nobody ever talks to him. He wants to join survivor because he wants to help other people.
• Pablo Chavez, 43, Comedian, u/asiansurvivorfan
  • Growing up, Pablo was always the class clown, he would always manage to make not only his classmates but also his teachers laugh. At the same time, every one of them would say that he could never make a career out of it especially in a poor Mexican city. While he struggled in school, didn’t have a lot of money, and and was a little chubby and got teased because of it, he always had a positive outlook on things no matter what. Pablo thinking he could make a living through comedy, decided to drop out of school but little did he know he was way over his head as this caused him to struggle to make any sort of money for a while, he eventually picked up a corn selling job which gave him enough money to pursue his true dream of moving to the United States and becoming a well known comic. But once he got there, he only continued to struggle as English wasn’t his first language and he was still lacking financially. He eventually stumbled upon a small comedy club that was free of charge, this is where he was exposed a wide variety of struggling comedians and actually began to learn English through the club. He started performing every Friday night and he was instantly adored by the regulars. His success only got better as he started getting paid gigs at bigger venues and finally achieved his dream of becoming a successful comic. He now lives a stable live with his wife and 2 young daughters. He came on Survivor to spread good vibes and laughter but to also prove to all the people that thought he couldn’t succeed as a comic that he made it.

Manihiki Tribe

• Andrea White, 23, Nurse, u/KingTyson27
  • Andrea was born in Canada, but moved to the United States when she was young, so her parents could find better work. She never had a silver spoon in her mouth, and her family was involved in gang life, but not her. She witnessed both her parents and her older brother dying in a shootout when she was 12, and that caused her to become timid, but she wanted to make sure less people could die around her, so she started medical school through student loans and lots of hard work, and eventually, she became a nurse. Being a nurse took a toll on her mentally, she experienced a ton of stress from being in the hot seat all the time, but she still wouldn't change her job for the world. She wants to play Survivor in order to win for what remains for her family, and doesn't want to be a villain, since she wants to be remembered as a likable presence, but not someone who tried too hard to be likable.
• Derrick Lumbrin, 45, Uber Driver, u/swoldow
  • Derrick was born and raised in the slums of Detroit, where his family was barely surviving. He was the youngest of five siblings, and was easily influenced by them through his teenage years, which led him to the wrong crowd. He did drugs, smoked weed, and lost all motivation to do well in school, and eventually he decided to drop out of high school altogether when his siblings were doing it. Their dad recently lost his job and had trouble getting it back, so the Lumbrin brothers ended up stooping to the only thing they could do as a way to get cash for their family; join a gang. They started off dealing drugs and doing minor crimes, but since Derrick was the runt of the litter, as the gang leader would call him, Derrick never actually got to do anything cool, and always was the getaway driver. Sure he committed a small crime here and there, but never anything major, while his brothers started stealing, fighting, and doing riskier things. Eventually, the Lumbrin brothers were tasked with stealing $100,000 from a bank, with Derrick being the getaway driver. However, that operation didn't go as planned, as the cops made short work of the operation, arresting all four of Derrick’s brothers. Derrick himself was spared because he wasn't caught in the bank, and his car was in regular parking as a way to blend in. Since then, Derrick became a loner, as he no longer had a family due to all of them being in jail, however, he met the love of his life, Jadonna at a bar one night, and the two hit it off. The two of them have a kid they are trying to raise, and Derrick now works for UBER, putting his past life in gangs behind him, and doing something useful with the skills he learned.
• Dolores "Dolly" McNamara, 36, Broadway Star! u/Ilovedogs1100
  • Ever since Dolly was a little girl, she has dreamed of being on the big stage. Her parents were very supportive of this and decided to help her follow her dreams. Dolly was the main character in every single high school musical and she felt like musical theatre is where she belonged. When she was 21 she got pregnant with her first child. After she gave birth to this child, she decided to audition for Wicked the musical and she only got Ensemble, but she was still happy about that. Dolly afterwards has had 4 more children and has had many roles in different musicals. She is now one of the most famous Broadway stars and is extremely happy with her life. Dolly isn’t playing Survivor for the money, she just wants to try something new. PS - While she is gone she has no idea who is going to look after her kids because she has trust issue rip. And she is a single mother so... yeah :) Maybe her parents will look after them but idk :/
• Nia Kandle, 22, Tinder Operator, u/Rylandoesreddit
  • Nia was always neglected by the people she wanted compassion from. Her parents, her teachers, her homecoming date, and as such, she learned to become distant. No one really wanted her, and as such she lost more and more interest in a love life in general. She decided to skip college in order to find something to provide for her quickly, which ironically was Tinder. There she monitors and operates on tinder, as she doesn't know if one day she'll find someone one there or not. Nia is ready for some action on the show, and is ready to win the competition.
• Terrance "Big T" Berkly, 38, Gym Manager, u/Ripecornball60
  • Big T had a rough time as a kid. Being the tallest kid in his class, he was always picked on for his size. This was not good for his mind as he started joining gangs in his Georgian town. At the age of 18, he moved to North Carolina to pursue a degree in management. There he found the love of his life, Myka. With Myka, Terrance became a father of 3 loving kids and a French poodle. When he moved back to Georgia, he opened a Gym. 5 years later was when the great recession hit. His business went under until… the gangs that he was a part of asked for a place to meet up for a hefty payment. Terrance couldn’t resist the temptation of the money. After 3 years of this, he decided to join his old gang again. This, however, was the beginning of the end… Myka found out about the gang business and considered him a monster for doing it. Angry, Myka divorced Big T and sheltered her young kids from the problems, making Big T was more of a monster than a man. Absolutely heartbroken, Big T moved out and quit the gang. Now lost in a world without the people he loves, Big T is hoping to find a purpose in life for him to follow.

Puka Puka Tribe

• Bao Ngo, 26, Lawyer, u/Pray_The_Gay_To_Come
  • Bao grew up in Vietnam, but emigrated to the United States when he was 9. He didn’t know the English language very well and was quite often bullied by his classmates for it. He always tried to fit in amongst his peers, but was always shut out. Once high school came around, Bao was able to get close to people, and become a socially aware individual. Bao eventually graduated high school as the valedictorian, and went on to study law at Harvard University. He often studied a massive amount to keep up with schoolwork, but Bao also has a fun side as he did have a fun college experience. Bao eventually met his wife in law school which both graduated from. Bao now specializes in immigration cases, and helps others gain citizenship. Bao’s wife recently gave birth to a little girl, who makes Bao extremely happy all day long. Bao is hoping to win the money to give back to his parents and provide a great future for his family.
• Justine Tyung, 26, Bartender, u/asiansurvivorfan
  • A French born Vietnamese child, Justine was brought up by a tiger mother and a father that she barely talked to nor cared for. Her mother would always try to push into the route of her choosing, Justine being a free spirit, hated her mother’s ideal future for her so she decided to run away at the age of 16. For the rest of her teen years, she moved from different locations and joined a “gang” where she managed to get money by doing many different things. She then decided to reinvent her image by going full goth and getting tattoos and piercings, something her mother would never approve of. She eventually got a job as a bartender and there she met a coworker with a very similar story to her, Kelsey Harris, They instantly connected and became really close. She doesn’t keep in contact with any of her family members except for her brother from time to time and is completely fine with that. Unlike Kelsey, Justine is quite laidback and doesn’t come of as aggressive or opinionated. She often gets judged due to her initial appearance and often intimidates people that aren’t used to it but surprises them as she’s very easy to talk to. As a bartender, she’s used to being dealt with personal information from drunk patrons, and plans to use said strength to get ahead. Justine doesn’t hate Asian people as whole but the type of Asian people she grew up with were never accepting of her or her lifestyle so she’s definitely a little hesitant going in. She came on Survivor to not only do what Kelsey couldn’t but to also show that you shouldn’t have to conform to societal or cultural expectations to be successful.
• Kyle Lee, 21, Online Personality, u/AngolanDesert
  • Kyle is your typical young skater boy. Even though he’s 21, he has the maturity level of a middle schooler. He loves to skate and posts videos of his skating on YouTube. He has garnered quite a following in a short amount of time. Kyle hopes to win to prove all of the haters wrong
• Reiko Schaefer, 34, Personal Trainer, u/voltfalcon
  • Reiko grew up in a single-parent household with her dad. Her mother died after she gives birth to Reiko. Despite that, her father took care as a mother would. After dating around in her area in her teens, she finds out that she is into girls but is afraid to come out to her dad due to him being Christian. She hid it for so long that it hurts her. She decided to go to Survivor to build her confidence and courage. She will use her skills she learns in her so she can succeed in Survivor.
• Robert "R2" Reyes, 25, Medical Student, u/Gemini_B
  • R2 is the child of Chinese immigrants. They struggled to find jobs while dealing with a child and so when R2 was young he quickly had to learn to fend for himself as both of his parents were working full time jobs, causing R2 to have to deal with managing the house. This left him with little time for making friends and he spent a lot of his free time reading comics and stories in the local bookshop, since he could never buy the books for himself. He got a good education and went to a good collage, which would have been amazing if not for the fact that schooling was extremely expensive and his parents are struggling more financially than ever before, but they refused to let R2 drop out of school since they view his education as necessary. R2 decided to apply for survivor, knowing that the million would help his family so much.

Rarotonga Tribe

• Alexa Dunn, 22, Singer, u/LordYeet777
  • Alexa was born into a very religious family. They always went to church, always had Sunday lunch, and were always conservative. Alexa went to an all girls private school, where she excelled in her extracurricular activity in singing. Her teachers were so impressed by this that they applied her to appear on AGT, where she won s4 of AGT for her singing. Her life was great, until one night after a night of partying she put rude remarks on twitter. While Alexa doesn't remember this (in fact, she's certain someone stole her phone that night), her reputation was hindered. Alexa hopes that Survivor will redeem her reputation back to what it once was.
• Bob Olsen, 39, Mafia Boss, u/Troopher
  • Although his age is 39 Bob cannot find his true love because every girl she date only wants his money and nothing more. He wants to join Survivor because he hopes that he will find a girl younger or older than him that can love him not because of his money but love him just the way he is.
• Matt Palm, 24, Guitar Player, u/LordYeet777
  • Matt was born to 2 politicians. Both of them had very strict ideas for what he was to become. It was simple. Pass all of this classes with flying colors, go to Yale, marry a rich woman, become a governor, simple! Let's just say Matt was... not happy about his expected life. In school, he was barely scraping by, and this was not settling well for his parents. Throughout high school, he was always insecure about his sexuality, and as such he mostly just wanted to hide. He found out he was gay when his parents forcibly put him on a date with a girl, and let's just say that his parents isolated him for it. He was ostracized by his parents, which ultimately led him to dropping out of school. After this, he became shier than ever before. While he was trapped in his family's home, he discovered the guitar. He plays by the window almost every day, and one day someone took a recording of Matt on their phone, and it went viral. "The Guitar Guy" became a sensation, and Matt was loathing every minute of it. Matt was recruited to be on the show by production to help popularity, however Matt actually wanted to get out of the house, as he wants to finally grown into the image he wants to be in.
• Nicole Davis, 26, Attorney, u/wordonthestreet2
  • Nicole grew up as the daughter of two incredibly successful Harvard lawyers and seemingly had it all. She was a perfectionist and studied as hard as she could to follow in her parents footsteps but ultimately was forced to go to law school at a state school. Even though she is now a successful attorney herself, she is constantly reminded by her parents that she is a failure in their eyes because she did not attend an Ivy League school. She has developed insecurities because of this and always tries to prove that she is the smartest person in the room. Will her hard work and strategic mind help her win Survivor? Or will her tribe view her as a know it all and vote her out early?
• Reed O'Sullivan, 23, Skateboarder, u/FrieNads
  • Reed was born to a very dysfunctional Irish-American family. Her father, born in Belfast, was a heavy drinker and spends most of his days with a bottle than with his own children and wife. Her mother wasn’t any better as she is having multiple affairs behind her husbands back. Reed’s siblings like to get Ito all kinds of antics like getting high, fighting with other children, and even once did an arson attack. The O’Sullivan family were pretty notorious in that town. Reed considers herself the black sheep as she is the one that doesn’t get involved in their antics and is the one that is trying to find peace. She eventually gave up as she figures it’s a lost cause. To get away from it all she befriended a group of skateboarders, took up skateboarding, and spends most of her days hanging out with them. She considers them her real family. Reed is also openly gay and has been dating one her group members for 2 years now. Reed also has Tourette’s and has been having vocal tics since she was 9, but has since adjusted. She desperately wants to leave this small town, which is why she is joining Survivor. Her game plan is to be a physical and strategic threat. She isn’t afraid to stoop low to make people sympathize for her, but she doesn’t care, this is a game after all. And if anyone bullies her, she will just wag it off, she suffered worse abuse from her dad, mum and her older siblings. Reed will win that money and nothing is going to get in her way.

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THE SEASON: https://brantsteele.net/survivocookislands/r.php?c=Pm0Eh0dI
THE WRITEUPS: https://docs.google.com/document/d/1VEKjX_cJTh6CY5X_nI0nFSAwQFNVsn0IO8NLYZV9Xhk/edit?usp=sharing
THE CHARTS: https://docs.google.com/spreadsheets/d/19jjCmIPcgFjCNxVRxLL8l48gPscVJWn7jqAoaxwqoIs/edit?usp=sharing
​
My thoughts (I'll only be talking about 11th onwards, as I had thoughts when I released my episodes the old way)
11th: R2. R2 had the potential to be great, as he's a legend in the sub (he was just in the Legends bracket). And by no means do I think he was a bad player. I don't think any of the final 11 was truly a bad player, although some were better than others. I loved his love hate relationship with Bao, and I think it resolved very nicely.
10th: Bao. I really think Bao got robbed by the double elimination twist. Do I think he could have won? Potentially, but it's hard to think that far ahead. The one thing I can say is that he maybe should have tried to get other people to bring up R2 for him, as once R2 went, he was seen as the one who made the move, which probably made him go. Great player and personality though!
9th: Big T. It was really sad to see Big T go here. He was a fun personality and also a fun player, surviving alone at the start of the swap to the merge. I can't really say much about his elimination episode, except that he maybe could have avoided it if he sided with Justine in the swap, however who knows if he would be able to make the merge if he were to do that.
8th: The Leviathan. I think The Leviathan was an okay player. Not great by any means, but not horrible. Things mostly just went down hill when he insistently targeted Derrick, and he ultimately paid the price for it. I do think it was impressive that he managed to survive after getting so many votes pre merge though.
7th: Justine. Where do I begin with Justine! I really loved her as a character and as a player, even if as a player... she wasn't the best. Socially at least she wasn't, as she burned people with her mutiny, and didn't make an effort to try and talk to them again. However that doesn't take away from how entertaining and fun she was.
6th: Nicole. It broke my heart to see Nicole be medevaced. If she wasn't, she had a really strong chance of winning. She was playing a pretty good game, she spearheaded most of the merge votes, and a good chunk of the votes on her old tribe. She can arguably be seen as the best player of the final 11, but it depends how you see it.
5th: Alexa. Although not the best player, she was a fine character until Nicole was medevaced. If you think I made her like she was for no reason, I was planning on doing something like this ever since I read her backstory. I'm happy that she is going to change and has realized her wrongdoings though, even if she has a long way to go.
4th: Matt. Again, a pretty good player, although he may have been seen as Nicole's lap dog, I do think he was an alright player individually and he proved that after he survived until the final 4 after her medevac. I think it was really interesting that he voted against Andrea at the final 4, and if Luis did as well, he could have made it to the end.
3rd: Derrick. It made me sad that Derrick didn't get any votes, since I think all of the final 3 players played good games. That being said, against Andrea and Luis, I see why he didn't get votes. While he did well, especially in the immunities, Andrea and Luis had him outplayed in one way or the other, although it would have been nice to see at least 1 vote for him.
2nd: Andrea. Andrea was a favorite of mine for her emotional growth throughout the season and her gameplay in general. She had the idol ever since the final 11 and never needed it, she won 3 immunities, had a pretty decent social game, and while a bit lacking strategically, I think she made up for it otherwise.
1st: Luis. Luis is the underdog winner that we needed. He's also the Hispanic winner that we needed, as we didn't have one until he won. He played masterfully socially, rivaling or maybe even besting Blair. He was only immune once at the merge and only got 1 vote the entire game, it just goes to show how good he was. I think he's a great player and character so I'm glad he won!
Thank you for another great season! Stay tuned for sign ups for Survivor: Ecuador, our 14th season! <3