The Borrower is Slave to the Lender

I am not religious, but I am definitely not an atheist because I don’t know for sure that a god does not exist. The best word to describe me is agnostic.

I have my doubts about the Bible, but there is no denying that the Bible is an excellent manual for personal finance. If you want advice with money, forget financial advisors. Go to the Bible.

Perhaps the most important biblical financial verse in the Bible is Proverbs 22:7, which states that “the rich rule over the poor, and the borrower is slave to the lender.” This Biblical verse wowed me when I read it as a teenage boy in school. It opened my eyes to the fact that far from being equal, the world we live in today has powerful people and weak people, and coercion and slavery in modern times is carried out not with whips and chains but with debt, fees, penalties, and compounding interest.

The question is, which will you be? Will you be a borrower or lender, a slave or a master?

“Neither a lender nor a borrower be,” says Shakespeare, which is very noble. I personally like to be a master rather than a slave.

Borrowers are pathetic. They go to the bank and beg for money. Then they work nine to five, whoring themselves to the organization in order to earn cash to pay back the banker. These banks make incredible profits from lending. Which would you rather be, the borrower who works like a slave or the bank who owns the slave? I prefer to be the bank, which is why I own bank shares or, even better, bank ETFs.

When I recommend you lend, I don’t recommend you lend money to family and friends. Do not do this! You lend by getting experts to lend for you, that is, put your money into bond funds or, as I said earlier, buy bank ETFs. If you’re new to investing and don’t know what a bond or an ETF is, a savings account is a good start. Banks lend out money in your savings account to others.

What about borrowing to invest? Is that not good debt? The answer is no. There is no such thing as good debt. Debt is debt is slavery. Debt is a legal obligation to pay, which means you must work in order to repay. If you must work against your will, that sounds like slavery to me. Investments in real estate, shares, and even education can be lucrative, and when they pay off, the debt you incurred may in theory be worth it. But these investments are not guaranteed. You are taking a risk. The more you borrow, the bigger the risk is. The bank, who lends you money, takes no risk. The bank collects interest repayment from you regardless, and if you default, they take your house or have some other legal means to collect the debt. All the risk is on you. You might win, you might lose, but the bank always wins.

If you absolutely must borrow (for example, you need a car to drive to work), be careful you don’t get carried away. Make sure the debt is as small as possible and repay it back as quickly as possible. Sacrifice everything (vacation, etc) to get out of debt quickly because your freedom from slavery is at stake.

An alpha male should not go into debt. Debt is for slaves.

Most Women Hate Feminism

When I read anti-feminist ideas on the internet, it turns out that most men who hate feminism are just traditional conservatives who think they are so rebellious because they think women belong in the kitchen. I have news for you: women love to be in the kitchen!

I’ve been letting my hate run wild lately. I haven’t tried to suppress it. I’m trying to grow my hatred, let it evolve and develop freely, unrestrained by any values. I find I am naturally drawn to anti-family, anti-marriage, and anti-women ideas. Note I say anti-women and not anti-feminist because I don’t really see anything wrong with feminism. Feminism to me says that men and women should be treated equally. But most women don’t want this. My experience with women is that they love traditional values. Why wouldn’t they? They are treated like princesses. Most women want to stay at home and lounge around, go shopping for expensive shoes and clothes, go chat with other girls in expensive cafés, and have it all funded by some dumb man slaving away at work. This scenario is not feminism. This scenario is the traditional family where the man is the provider who labours away while the woman stays home and enjoys a life of leisure, which of course is fully subsidised by the man. If feminism were practiced, that damn parasite woman would not be at the cafe with her baby drinking cappuccinos. She would be at work making her own damn money and paying her own way. That is feminism.

My anti-social hatred, I believe, if left to mature and fester, will make me angry and aggressive, and I think this can help me with my transition from beta male to alpha male. The alpha male needs to be angry over something. He cannot be some serene monk. Otherwise he will be calm, there will be no sense of crisis, no aggression. He will be as good as dead. He will be impotent. He will be weak, and weakness will be picked up on by other men, and women despise weak men. I need to let my hatred run wild.

The Physical and Economic Aspects of Alpha Maleness

Debt is slavery

What do I mean when I talk about an alpha male? In the animal kingdom, alpha males are those who rise to the top of the hierarchy. They have the power to do what they want. It is about power, but my desire for power is not linked to any desire to hurt others. I simply wish to defend myself. As a beta male, other males put me down and control me. Women disrespect me. I need to correct this. I need to become an alpha male. This will make men fear me and women respect me.

Being an alpha male is not just about swaggering around, swearing, or calling women bitches. There is also an economic aspect as well. An alpha male needs enough money saved up or invested to be free from wage slavery. An alpha male also needs to have his debt under control for the same reason. I’ve seen many beta males out there who have a wife at home, three children, and a massive mortgage, and these people come to work and slave away barely making ends meet. Freedom comes from running surpluses. Freedom comes from making sure what comes in to your bank account is much greater than what goes out. The opposite of this is slavery. Debt is slavery.

About this blog

Where to start? I am a beta male. I am really unhappy about it. I’ve set up this blog to describe my journey from a pathetic beta male into a proud alpha male. For much of my life, I was a beta male. People looked down upon me. People told me what to do, and I complied. I’ve reached that point in my life where I’ve realized that enough is enough. I’ve made a conscious decision to strike back and become an alpha male. My plan is simple: I will proactively seek to be around people I like, and I will be obnoxious and rude to people I don’t like thereby cutting these negative people from my life. I have already joined the gym. My personal trainer has set an exercise program for me that I am following. It is a great injustice in this world that the weak and the nice are trampled upon. I am sure I am not the only victim. I write this blog not only to motivate myself to stay on track but to also provide support and motivation to readers out there who are in the same situation I am in. If you are a beta male, you need to recognise this problem and you need to take steps to address it. I feel it is my purpose in life to not only make myself stronger but to help others out there become stronger as well.

I’ve learned over time that this world is characterised by oppression. Powerful beings oppress weaker being, whether it is humans oppressing animals for food or clothes or even powerful humans oppressing and exploiting weaker humans.

While slavery via whips and chains has vanished from most parts of the world, a more efficient form of slavery thrives: debt slavery.

By evolution or by design, men are pressured or programmed to go to school, go to university, leave home, date a girl, get a job, get married, get a mortgage, have children, and retire at seventy.

These major life events force us to spend excessively, and we are plunged into debt. Because we are indebted, we are slaves to our lenders. We left home thinking we would become independent only to find ourselves dependent and enslaved to the bank and to our employer.

There must be a better way, but before we find that better way, we must first escape from the system that attempts to enslave us. This blog is about escaping from wage slavery. Anyone can escape wage slavery by working hard and shunning societal pressure to spend. Don’t marry, live with your parents, and save aggressively so that you can live off the interest, rent, and dividends from your globally diversified investments.

Don’t become a slave to the banks. You don’t have to make mortgage payments every month. Don’t become a slave to the landowner. Don’t become a slave to your employer. Don’t become a slave to social customs and traditions.

Do not become a slave to other people. Don’t give anyone the power to tell you what to do.