Today’s Progressives seem to have all the good intentions of their earlier believers, but they seem to have learned little from their history. What makes the outcome ugly is their stubborn insistence that ‘this time it will be different’ married to the quasi-fervor that their ends justifies the means.
Today’s progressives remain true believers in science, but that “faith” has edged over into scientism, the belief that science can settle all questions, and can in fact itself be “settled.” Science can’t unlock the secret of love nor can it explain the evil mind. Science is settled only until it’s not, and if the recent pandemic taught the average person anything, it was to be very careful about expert opinion. Science is great at explaining how (and sometimes why) things work. It’s not so good at determining policies affecting people’s lives.
Another place where Progressivism today is worse than its predecessor is in its adoption of another -ism: presentism. Presentism is the belief that people today are superior (morally, ethically, intellectually) to those who came before, and we should judge the past by our superior standards. While today’s technology is undeniably better, I see no data which suggest people today are superior. Where’s today’s Jefferson, Michelangelo, da Vinci? Ranchers one-hundred years ago knew ecology better than most ecologists today. Farmers two centuries past produced surplus crops without modern irrigation or drones. Common people during the Middle Ages spoke a vernacular language as well as Latin, and they mastered trade skills as a way of life. Humanity today has better tools, but human nature remains unchanged. Societies can be more or less humane, but progress there is not certain.
As an example of presentism, I often mention that family structures in the US were more stable in the 1950s. I barely can finish posting that on social media when Progressives will retort that I “long for the patriarchy” or “forgot Jim Crow” or want to send people “back into the closet.” That’s presentism rearing its ugly head. Yes, all those things happened in the 1950s, including stable family structures. Now there is no evidence to suggest that limiting anyone’s freedom contributed to more stable families. I would argue stable families happened despite those challenges. Especially for black families, who faced so much oppression, yet were remarkably stable. Not any more. What happened? If you’re a progressive today, the notion there was anything good in the past has to be rejected, as only today, and the better future, matter.
You can hear presentism whenever a Progressive talks about being on “the right side of history.” Christians believe history has a direction, which is what led the Rev. Dr. Martin Luther King Jr. to famously say “the arc of the moral universe is long, but it bends toward justice.” But that’s a religious proposition, not a progressive one. Ultimate belief in one’s righteousness about ‘the side of history’ has been at the core of many of the worst examples of inhumanity in the past century.
Finally, Progressives also retain their fondness for change. As they have seen their ideas rejected by the courts and the voters, they now opt to argue for changing the system in toto. Progressives are proposing eliminating the Senate (because it equalizes all States and thus currently favors Republicans), enlarging the House of Representatives (because, yes, everybody agrees we need MORE politicians in Washington), term-limiting the Supreme Court (not mentioned when the octogenarian RBG wore the robes) or simply ignoring its rulings when they are not consistent with Progressive values (did they not learn about the South’s Massive Resistance in the 1960s?).
“We’d all love to change your head”
Rather than learning humility from their failed history, today’s progressives double-down on their beliefs. I still don’t question their motives. The original progressives were just as self-righteous, but they had an excuse in that history had not yet shown them their follies. Perhaps Progressivism will learn, change itself, and survive as a movement. But there’s a difference between being blind, and refusing to see. That’s from a really old book, but most progressives wouldn’t want to read it.
I have friends of every political, religious, and ethnic stripe. I like to think it reflects kindly on my inclusivity, although I admit it reflects poorly on my friends’ judgment of character. Be that as it may, I often irritate my Progressive friends with my persistent questioning of their beliefs. I make an observation about some trend or incident in the public space, they respond with a mixture of shock and disgust that anyone they know could think the way I do. Rinse-n-repeat.
Today I want to try a different tack. Part of the problem is we all assume that others must see the world as we do, which leads us to jump to conclusions when we see an opposing opinion. People think, “you must see the world as I do (since I’m objectively correct), so if you disagree with me you must be ________ (stupid, evil, etc).” To help break through this cycle, this post will cover what I believe are the positive aspects of Progressivism in its American form. The next post will be on its negative components. I’ll leave it to your imagination where the third post will go. Let’s get started!
Progressivism grew out of the Enlightenment. Its basic belief set is that mankind can do better: through technology, through good government, through better education, through being more inclusive. Thus Progressives are the most optimistic pessimists on the planet. They look at what is today, or what was yesterday, and think “how can anyone have let this happen? We must do better.” And they imagine a future–never that far off–when best will arrive. So the first point for Progressives is their passion. They really want to make things better, and they won’t rest until things are.
The second point for Progressives is their compassion. Since they are always looking to improve things, they focus on the least fortunate among us: the poor, the sick, the mentally-ill, prisoners, women, children, immigrants, anyone marginalized by the system. It bears repeating that everyone should be focused on these groups and what places them at a disadvantage. It is undeniably good to be a voice for the oppressed, the misused, the abused.
The third positive aspect of Progressivism is its willingness to change. If you believe things can be better, you must be willing to suffer change. Question things. Don’t accept “that’s how we always did it” or “That’s just the way it is.”
The Progressive Anthem?
Progressives will never be satisfied with the status quo, nor are they afraid of change. Their constant challenges bring vitality to any political environment.
Finally, the Progressive movement is inclusive and bipartisan. My Republican friends may be scoffing at this, but hear me out. Progressives are happy to have any group join in their quest for improvement, and they are willing to extend their ‘big tent’ to newly-identified groups who are marginalized by society or government. And while Progressives almost exclusively occupy the left-wing of the Democratic Party in America today, they originally grew out of a different wing of the Republican Party in the early twentieth/late nineteenth century. I’ll talk more about this in my next post, but Progressivism flourishes when there is broad social/technological change.
In summary, I truly believe Progressivist theory has society’s best interests at heart, that it wants to improve things, that it is open to new ideas and concepts, that it will work tirelessly to achieve a better world. Why am I not then a Progressive? Part Two!
My old college roommate (aka cellmate) Creatch and his lovely wife Tammy visited with us last week, and we all went off to see Mexico City, which was a return trip for Judy and me. Some hints and suggestions from a great trip:
Facade of St. Augustine, in Polanco
Uber works quite well in CDMX. We used it for short trips inside the city, as well as longer trips to Xochimilco and Teotihuacan. As usual, it is cheaper, faster, and more reliable than the taxis. The only drawback is it is still a car on a road, so it is subject to the congestion which is endemic to Mexico City. Which leads to this tip:
Visit during the holiday periods of Christmas and Easter. Our first visit was with Charter Club Tours during Christmas week, and we learned that while most of the attractions are open, many chilangos (residents of the city) depart for elsewhere, so there is much less traffic. I checked with a local, who confirmed the same happens Semana Santa and Pascua (the week before and after Easter). Both are ideal times to visit.
The Mexico City metro is extensive, reliable, cheap, and safe. We used it frequently, and at $5 MXP per trip (about $.25 USD, regardless of length) it is quite a bargain. While it can get crowded, we never felt uncomfortable or threatened. You navigate by the distinct symbols for each station, as well as directions (the endpoints for each line), and there are plenty of signs and people willing to help. There are even cars/areas set aside for women and children, to avoid even the possibility of anyone bothering you. Best of all, no car traffic or congestion.
One thing from which you can’t get away is smog. It’s better when there are fewer cars on the road, but if pollution bothers you, you need to come prepared. And since you’re at 7300 ft elevation, you may feel it even more!
If your stay includes a Monday, many museums, attractions, etc. may be closed, so plan the rest of your schedule around what you can do that day. The Soumaya museum, Carlos Slim’s art gallery and tribute to his late wife, is open every day of the year, and you can spend an entire day there, so it’s a great wild card to visit whenever you have extra time. Oh, and take the elevator to the top and work your way down the spiral levels (less crowded, easier on your feet).
We stayed at the Pug Seal Anatole France, a boutique hotel in Polanco. I can’t recommend it enough if it is in your price range. It had great customer service, very comfortable rooms, a central location, and a made-to-order breakfast to die for.
If you’re going to visit the Teotihuacan pyramids or Chapultepec castle/palace, go early in the morning. It is hot, there is a lot of walking, not that much shade, and the tours/busses start arriving around 1100.
Xochimilco. What to say? If you don’t know, when the Mexica ruled Tenochtitlan, it was an island city in the middle of a great lake. The Mexica created islands (chinampas) around the city to use as farms, and a tiny fraction of those islands are still around, although greater Mexico City has enveloped them. About thirty years ago, some enterprising Chilango started offering boat rides on the remaining canal, where a family could come and picnic on the water. It became a local custom, and now there are a thousand or more little party boats, and other boats with mariachi bands, floating cafes, floating bars, floating trinket stores, you name it. It runs almost everyday, it’s a tourist attraction and a great party. But it has nothing to do with the original chinampas. We found a private eco-tour using the same type of boat, but it went out of the crowded tourist canal to the remaining farm islands, where Ricardo showed us his farm and treated us to a fresh meal of blue corn tortilla chips, vegetables & guacamole, tamales, café de olla, and horchata. The visit was educational, delicious, peaceful, and supported the return of farmers to the chinampas. I highly recommend it: De la chinampa.
Our boata narrow side canalthe farmmany herons!
We were able to attend the Balet Folklórico,a rousing performance of pre-Hispanic and Mexican culture, music, and dance, at the Palacio Bellas Artes. Both the building and the performance are not to be missed!
If you want to eat at any of the legendary restaurants in CDMX, like Pujol in Polanco, you need to make reservations about two months early, even for lunch. It’s worth it, but you need to plan ahead. There are many just great restaurants in every neighborhood, so you won’t go hungry and don’t need to break the bank.
Among those “must-do’s” are eating at the Casa de Azuelas in Centro Historico, where Sanborn’s has its flagship restaurant, and getting churros at any of the several el Moro franchise locations. They will check your passport to see if you have before you can leave CDMX . . . not really, but they should, and so should you!
Also, you must visit the Zocalo, the main square of Mexico City, which functions as a combination of Times Square, the National Mall in DC, and the Smithsonian. It’s huge, and has the world’s largest Mexican flag (which has raising and retiring ceremonies at varying times around dawn and dusk). It also has government buildings where you can reserve a tour to see fantastic murals of Mexican history, and the top of the original Mexica great temple (Templo Mayor) and the crazy leaning Catholic Cathedral. Note for first-timers: Mexico City is sinking (it was built on a lake-bed in a seismically-active zone) as much a several centimeters a year. As you walk around, you will get a vague sense that “something I am looking at is not quite right” which is caused by the many buildings leaning at weird angles. It’s not you; it’s the city. When you visit the Templo Mayor, just know that there is probably no other place on earth where more people have died: the Mexica practiced mass sacrifice daily for several centuries!
On a lighter note, among the great places to take a break and a picture are the cafe atop the Sears store next to the Palacio Bellas Artes, the restaurant near the top of the Torre LatinoAmericana, and the cafe (la Terraza) overlooking the Templo Mayor in the Centro Historico. Spectacular views for the cost of a cafe and a snack.
Even if you’re not Catholic, if you just want to understand Mexico better, take a quick trip to La Villa, the suburb where Our Lady of Guadalupe appeared to Juan Diego (a Mexica) in 1531. There is a series of chapels and Basilicas there, built over the years, to hold the image of La Guadalupana (named for the hill) which miraculously appeared in Juan Diego’s tilma (or rough native cloak). Ignore the miraculous cures. Ignore the story of the anarchist who tried to blow up the image in 1921, destroying a golden crucifix but leaving the image unharmed. Ignore the fact that scientists can’t explain the image: the tilma should have disintegrated by now, the fact that the image is not painted on, in fact they don’t know how it is “there”, the fact that there are images within the image which are inexplicable. Instead, watch the faithful crawl across the stone and asphalt square on their knees to attend Mass. When Padre (later defrocked) Miguel Hidalgo y Costilla issued his grito to liberate Neuva España from Spain, his army marched under a banner of La Guadalupana. Regardless of faith, all Mexican revere her.
Finally, in Chapultepec park (much larger than Central Park, by-the-by), there is a cultural center called Los Pinos. It is the Mexican White House, and it is free to visit. The current Mexican President decided it was too pretentious, so he declined to move there and turned the various homes (several Presidentes build their own) into a museum open to the public. Undoubtedly the next Mexican President will move back in, and you’ll have visited while it was still available!
“The fullness of time.” Sound familiar? It’s a Biblical phrase, referring to the fact that God allowed so many centuries between the fall of Adam & Eve and the birth of Jesus Christ, who came to save us from the effects of that first sin. Why Roman-occupied Judea, and why what we now call first century CE (Christian Era)? Only God Knows! I was always fond of the line from Judas’ closing song in Jesus Christ Superstar, where he asks “why’d you choose such a backward time and such a strange land?”
The 70s haven’t aged well, have they?
Small confession: I still pull up the Superstar soundtrack and listen to it every year during Lent. Andrew Lloyd Weber and Tim Rice could make great musicals, even if their theology was weak.
We’re approaching Holy Week, and that may mean little to you, or a lot, or it may seem a little stale (even to believers). What happened “in the fullness of time” was extraordinary and extraordinarily strange. But it can become background noise to the Easter Bunny, Spring Break, and other accoutrements which crowd out the message. I wanted to share a little thought experiment that might help put the events in a differnt light.
Imagine for a moment it never happened. No Jesus Christ, no Passion, crucifixion, and resurrection. Rome remains Rome, Pantheon and all. Eventually it falls and the rest of European history happens, with Enlightenment humanism and Deism playing the role Christianity actually did. So for the purposes of our thought experiment, the world is much as it is today, just without Christianity.
Now imagine God chooses the present times for “the fullness of time.” What might that look like? Somewhere off the beaten path in the greatest power of the planet, there’s a story developing: certainly not in Manhattan, but perhaps just outside Manhattan, Kansas. News of a local phenom arrives on social media. He’s a Jew, a former union card-holding carpenter, but he laid down his tools and started preaching and teaching and developed a small following. Next there’s a claim he turned water-into-wine at a friend’s wedding, and that merits eyeballs and internet scrutiny.
His name, Yeshua Bar Yosef, is familiar. Some Instagram sleuth points out Yeshua already had his fifteen minutes of fame: yes, you might remember him as the American adolescent who disappeared on a Jewish Youth Summer trip to Israel. He was found days later deep in conversation with some rabbis at the Haredi Shul, unharmed and apparently unaware of the international concern his disappearance had raised. Now he’s back in the spotlight.
TikTok has video of the wedding in Cana, Texas, but it’s a drunken mess. No one is sure if they really ran out of wine, or when, or how they got more. Yeshua isn’t giving interviews, but clearly he has a message that resonates with others. Fat checkers point out he still lives with his mother, Mary, although the man he called dad (but who wasn’t listed on his birth certificate) has died.
Yeshua has a preternatural ability to charm those he meets, and to irritate the powers that be. It seems like everybody takes sides, especially in a divided America, but the divisions aren’t along traditional political lines. Groups claim him, only to be confounded when he doesn’t conform to their ideas.
When he storms through the Wynn/Encore casino in Las Vegas one Sunday, overturning the roulette tables and chasing out the inveterate gamblers, family values types are cheered but libertarians are aghast. His refusal to show up for the arraignment brings praise from Antifa and the Sovereign Nation: strange bedfellows indeed! Yet he still pays his taxes and tells his followers to obey the law. Social liberals are with him until he tells them God made them “male and female”; social conservatives balk when he tells them they should love their brothers, and everyone in need is “their brother.” Almost no one in America likes it when he says marriage is permanent, and divorce another form of adultery. Of course the government has no idea what to make of him, so the FBI has an open case file and plans to infiltrate “The Way.”
Now things really get weird.
Near Magdalena, New Mexico, Yeshua joins a prayer group outside the Planned Parenthood center. But some of the crowd leaves, after he tells them to put down their bullhorns and just talk with the women. He meets one local woman named Mary, who has an appointment to abort her six-month along fetus because it has been diagnosed with anencephaly. Yeshua prays with her, lays his hands on her abdomen, and convinces her to have faith. She leaves without the abortion, and later has a sonogram showing a totally normal child, which she will bear. Skeptics point out doctors make mistakes, and that’s all that’s happening here.
But then there’s the drug addicts. Neglected and ignored by society despite being in their midst, they are outcasts, and they are drawn to Yeshua, and he to them. Numerous addicts, even those addicted to opioids and heroin, seem to walk away from an encounter with Yeshua free from addiction. Likewise with sex workers, gamblers, internet porn addicts, and the mentally ill. Some claim miracles, others say it just goes to show the power of true friendship.
As his fame spreads, the government becomes more concerned. An FBI informant prompts Yeshua to denounce the government as corrupt and to deny paying it taxes. He asks for a dollar and says “whose image is this?” “George Washington’s” the informant responds. “Then give to Washington that which is his” Yeshua scolds.
Progressives want him to denounce capitalism, private property, and embrace government programs to fight poverty. He tells them “doesn’t the farmer reap what he sows? First, take what God has given you and share with the poor.” Neo-conservatives want him to affirm America’s status as a chosen people and the right to amass wealth as sign of special favor; he demurs, saying “God loves all His children, and those who have more, have been given more, to do more, not to keep more.”
Yeshua gets run out of the synagogue in his hometown after suggesting He is the answer to what they have been seeking. The nerve of the man, as if YHWH would send a savior to Kansas! More tension builds as he suggests there is something beyond America which demands a person’s primary allegiance, a message which resonates around the world but crosses a red-line for the America First crowd. The healings continue, as do several near-scrapes with local authorities and mobs.
Large crowds gather to hear him speak, and he tells them stories of love and kindness which stand traditional logic on its head. Don’t hate your political opponents, love them! Help anyone in need beyond just what they need! Don’t worry about tomorrow, just focus on doing God’s Will today! Pollsters find a dramatic change in attitude among those attending his rallies: less conflict, less anxiety, greater charity. But those protesting around the events grow ever angrier and violent.
And then, a good friend of Yeshua’s dies from a drug overdose in Bethany, New York. Yeshua eventually shows up (four days later), attends the open casket showing, and raises his buddy Lazaro from the dead. Of course it was all staged (according to some), but others question “how?” since Narcan can’t do its magic days later. But what else is there to explain it?
Yeshua announces that he plans to march to The Mall in Washington, DC, and his followers swell to a huge crowd which lines the road, welcoming him. Just as many counter-protesters are marshaling, too. The DC government denies him a permit, and threatens to mass arrest his followers if he ignores their decree. He calls their bluff and the immense crowd marches peacefully to the Lincoln Memorial, where he gives a moving sermon about the poor, the peacemakers and those who hunger for justice “having their fill.” As he blesses some baskets of food to share with the crowd, a murmur goes up as they realize the food he provides is seemingly without end.
At the summit of all this emotion, police move in to arrest him, while a gang of counter-protesters storms into the event. All hell breaks loose, and gunfire erupts. People are trampled and a melee of violence ensues while his followers try to flee. Yeshua is seen extending his arms as if to welcome the assault as police and thugs reach for him, and then beat him to death: all live-streamed for the world to see.
No one is sure who exactly did what; the video is as indistinct as it is horrific. Days later, there are reports that Yeshua’s body has disappeared from the morgue where he was held pending the investigation. And now some of his followers are claiming he has been raised from the dead!
Mary Eberstadt is the senior research fellow at the Faith & Reason Institute and an insightful conservative observer of all things Americana. Her numerous books have outlined the increasingly evident (in hard data, not to mention public anecdote) paradox between the freedom Americans crave and the unhappiness which results when they get it. Her 2012 book Adam and Eve after the Pill rested squarely on broad sociological data that the economic freedom women gained with reliable cheap birth control (i.e., the Pill) had come with concomitant costs in terms of relationships and happiness. Her latest work reviews the continuing data supporting her hypothesis (more on that) and extends her analysis to the implications for the family, the nation, and the Church.
Eberstadt is no throw-back conservative polemicist pining for the golden age of the 1950s. She simply accepts that the Pill was perhaps the greatest change-agent in recent human history, then goes on to show “to what effect?” While some feminists reject anything other than worshipful consideration of birth control, Eberstadt puts forward the data and the stories (or narratives if you prefer the modern term), which are damning.
The Pill made the world safe for casual sex. Without the consequence of pregnancy, both premarital sex and marital infidelity rates rose. Accelerating infidelity undermined existing marriages, sparking a wave of divorces and ushering in “no fault” laws to streamline the process. Men were relieved of the quaint (but historical) need to take responsibility for their actions, since it was “her body, her choice.” Likewise, there had to be a fall-back in case contraception failed, which necessitated legalized abortion; after all, an unwanted child was the worst possible outcome for all concerned. All of these trends and repercussions undermined traditional family formation (i.e., a married husband and wife raising their biological children). Men questioned the need to get married in the first place, reminding all of the eternal joke about “free milk and a cow.”
Eventually, divorce rates decreased, but only because marriage rates collapsed first. Alternative family structures developed (so-called “chosen families”) to replace the traditional model. Most of the advantages accrued by traditional families (e.g., more resources, less poverty, better educational attainment, less truancy, less drug use, less unintended pregnancies, less self-harm, less suicide, etc.) were greatly reduced in the “chosen” models, regardless of composition. Women seeking motherhood increasingly did so in the absence of a stable male relationship, so much so that this is as common a parenting situation today as not.
Now all the chickens have come home to roost, with men reporting an unwillingness to have relationships other than for casual sex, and unhappy even then. They also complain about a lack of purpose, or of being unclear when their masculinity becomes “toxic.” Women report a lack of acceptable male life-partners and more fear of violence in their personal relationships. People in general are more unhappy and having sex less often, with the latest battlefield being the notion of “sexual consent.”
Eberstadt connects the dots from the Pill to the collapse of the family, the ongoing war between the sexes, and the decline of organized religion in the United States. Her style is witty if at times biting. The footnotes and links are all there if you want to dig deeper into the data. She rarely pronounces judgments since the data is convincing on its own. The exception is perhaps her section of the fate of “Christianity Lite”, the American Protestant sects which chose to jettison Biblical, historical, and moral opposition to contraception in favor of siding with the Spirit of the Times. Eberstadt cautions Catholic proponents of a similar rapprochement that all of these sects are on a steep and accelerating decline which means there won’t be any Episcopalians, Methodists, or Presbyterians around in America in five decades or so. The Spirit of the Times is a harsh god, indeed.
Regardless of how you view contraception (or religion), Eberstadt’s work demands your attention. So many of my friends and acquaintances look at the world around us and think “how did we get here?” Since time immemorial, successful society has linked sex with marriage and monogamy; those that didn’t perished. One fine day in the 1960s, science made it possible to change all that. It seems cognitively dissonant to suggest that this change didn’t play a major role in “how we got here.” It’s worth it to consider the possibility.
Many of you might have felt Part Three sounded pretty good, so what are we doing in Part Four? I’m going to argue that Parts One through Three are necessary but insufficient for Smiling Retirement. Part One is essential, because if you don’t understand the concept, you’ll get it wrong for sure. Part Two removes the greatest friction: resources. Part Three puts you in the right position, but just. By Part Three, you’re existing (as a retiree), but you’re not living. You can’t get to the smile until you’re living.
So what’s the next step? It’s the hardest one, I’m sorry to say.
Many people go through their whole lives just existing, not living. They work to provide shelter, food, and some degree of comfort. They rest to recharge and resume work. They recreate for the same reason. They procreate (or not) because, well, that’s what we do. This is consistent with all animal life on the planet. Whether you think what differentiates us from other animals is a soul or higher intellect (or both), there is a difference. What’s the purpose of the difference? It gives us the opportunity to consider the big questions that the higher intellect inevitably raises.
Who are you in particular? We often answer that question in terms of relationships (“I’m a father, a husband, a son”) or associations (“. . . a former official, a Catholic, a fan of . . . “). But who are you essentially?
Why are you? Not in contingent terms of “when your dad met your mother” but why you, why now? For what purpose?
These are tough questions, easily avoided while working to live (i.e., existing). But you understand the concept of retirement. You have prepared financially. You have vacay-ed and experimented to a place of comfort. You can ask those questions, and better yet, you can start to find answers!
What are those answers? Yours might be different from the ones I would share. Mine are based–as you no doubt have guessed–in the Gospels and my Catholic Faith. I believe in Truth (the capitalization is important here), and truths. The latter is contingent and personal, but must in the end lead to the former, if they are indeed “true.” So there is no reason to fear them. The search itself is satisfying.
Is it possible to just continue existing, and never address the hard questions? Sure. Birds do it, bees do it, even dogs do it. And billions of people do it too. Retirement as I have described it is a rare blessing, an opportunity not to be missed. And what an opportunity! Because seeking those answers (whether you find them or not) leads to a certain satisfaction. And that satisfaction generates a smile.
What’s with the emphasis on the smile? It’s a simple gesture, universally recognized. It’s a moderate emotion, not a belly-laugh. It’s pleasant. There is a degree of amiability, knowledge, and just plain old friendliness in a smile. And it’s genuine. It makes life easier, for the one smiling and for everyone who sees it.
Here’s hoping you not only retire, but you get to be a smiling retiree!
You “get” the concept that retirement means not working, and you’ve arranged a pension or nest egg which should cover your costs till you head for the great beyond. So now you just retire and start smiling, right? Wrong. The transition may be jarring, and if not done well, can lead to many outcomes other than Smiling Retirement.
That video I mentioned in Part One talked about the Vacation Phase of retirement: the few weeks or months where the lack of structure provided by work gives the new retiree the sensation of being on vacation. Days become irrelevant, or as retirees joke, a week consists of “six Saturdays and a Sunday.” Things like school calendars, holidays, and long weekends can creep up on you since they no longer seem relevant. Most everybody enjoys this at first, but eventually the sameness of the lack of structure begins to grind on you. We generally limit our tours and cruises to ten-to-twelve days for the same reason; otherwise, it all begins to blend together.
Turns out, humans need routines. If work doesn’t provide one, you have to come up with your own. The beauty of retirement is you’re free to develop your own. Perhaps you’re a night owl who had a career which required an early morning start; now your day can start at 10:00 am and end at 3:00 am, if you like. Never had time to fit in exercise? You do now. When do you eat, and what’s your big meal? All up to you. And you can change it, to see what works.
I started eating a huge breakfast (bacon or sausage, eggs, avocados, tomatoes, hash browns or a bagel) every morning, after a career of having only a banana and a cup of coffee. It was heaven, and I didn’t need to eat again until dinner. But while I enjoyed this schedule, my digestive tract didn’t, and it made its objections known. I switched to some fruit or yogurt and coffee in the morning, and a large lunch in the mid afternoon, which my body ratified. I moved exercise to the late morning after only exercising after lunch for decades. I found starting my day with prayers meant I didn’t skip them later, and I was in a better mood regardless of how I slept. You get to experiment with things you always did one way, because now you can.
If you don’t establish a routine, you’ll get bored. Then you’ll feel a powerful pull to go back to work, if only for the routine. Or you might substitute some other thing (volunteering, for example) for work to provide your routine. But that is putting the cart before the horse, so to speak. Find the routine that works for you, makes you comfortable, then fill in your hobbies and activities around it.
Experimentation is just as important when developing your new (or rediscovering your old) interests. Take up the guitar? Why not! Learn to cook Welsh Rarebit? Sure! Join a charity or service organization? Of course. But whatever you do, never, never, never impose a “success” filter on it. It’s ok to consider whether you can afford a hobby (financially or in terms of time), but don’t start evaluating “am I any good at this?” or “is this doing any good for that?” Those are business/work concepts, and you don’t do that anymore, right? If you like it and can afford it, keep doing it. If not, don’t.
It is easy to fall back into workday notions of success, competition, and merit. But you’re living, not working. Perhaps we can learn something from the way children behave. When a child finds something they really enjoy, they’ll get lost in it. They don’t start asking “how good am I?” “or “what’s the purpose of this?”, they just enjoy themselves. They haven’t met the work world yet, but they have mastered one key to retirement!
The vacation and experimentation periods of retirement are incredibly rewarding. Getting to try out new things without any pressure to “do well” or “succeed” is liberating, once you understand it. How long do they last? How long do you last? To some extent, the two timelines are the same. As time goes by, you’ll find a daily routine that fits. You’ll find hobbies and interests that fit, and people who also fit. But all that may change. Friends asked me why I stopped attending a group, and I said (truthfully) “it seemed too much like work.” You may get too tired for pickleball, or too old for globetrotting, too bored for politics. It happens.
Perhaps the most important thing to remember is that this phase is just a transition. You may enjoy the transition, but you haven’t reached Smiling Retirement yet!
St. Paul’s first letter to Timothy (chapter six, verse ten) tells us “the love of money is the root of all evil.” Hard to improve on that. Mark Twain allegedly did so, quipping “the lack of money is the root of all evil.” When it comes to retirement, both maxims apply. As with working life, more money means more opportunities. Worker or retiree, you can be a happy, poor person, or a miserable rich person. The differences appear in the many ways you get there.
The key point is this: since you’re not working (remember our definition from Part One), your ability to generate resources may become limited. If you have a pension indexed to inflation, consider yourself greatly blessed. If not, there’s social security as a safety net (if you’re an American). If you have invested in a retirement account, it may continue growing, but you’ll be tapping it as you go, which limits the overall growth and total available. The inputs side of the equation, less a winning lottery ticket or a rich uncle’s will, is a fairly constant constraint.
Meanwhile, you do have great control over your expenses. Your spending for commuting, maintaining a wardrobe, and business expenses all drop dramatically. You can live where you want, which could be much less expensive. You can take time to comparison shop, and seize opportunities for deals and discounts which were out of reach during the workday. But you’ll also want to do things previously postponed (like travel or a hobby) which might be expensive. And you’ve got to place a bet which most of us avoid: how long am I going to be doing this? Most importantly, you control this variable (expenses, not when you check-out).
Since financing retirement is mostly a math problem, it is actually the easiest part to master. When should you start saving for retirement? Yesterday. Money set aside early compounds (remember the magic of compound interest?), turning the few dollars you saved in 1978 into thousands today. The amount is much less important than the fact of investing and not tapping it early. By the way, this is my biggest complaint with Millennials and Zoomers today who are living the digital nomad lifestyle, in effect moving retirement forward so they can enjoy it while they’re young. Your traditional work years (ages 20-50) are your peak earning years. By reducing your income in this period, you reduce what you can invest, and thus surrender significant compounding of your investments. I hope they are doing the math, too, while trekking across the globe!
How about those other young folk buying into the FIRE (Financial Independence, Retire Early) concept. Basically, the idea here is to restrict your spending while young, invest wisely, then retire very early and live off the wealth you created. Some challenges here are: (1) actually restraining your spending while young (hard, not impossible), (2) investing smartly to maximize your wealth (hard, not impossible), (3) guessing how long you’re going to be retired if you do so very early (damn near impossible, but essential to solving the FIRE calculation). It’s a simple math problem for a 65 year-old retiree to project they’ll live approximately fifteen more years, and a small error is easily covered. But a 40 year-old retiree planning to live another forty years? This is double jeopardy, where the “scores can really change!”
Great Christmas Movie!
What if you don’t have a pension, didn’t save much (or anything) for retirement? Well, you have a lot of company: 45% of baby boomers in the US have zero retirement savings. If you’re planning on retiring under these conditions, you’ll need to seriously consider how to drive your cost-of-living down to meet your social security level means. Folks who through no fault of their own found themselves retirement age but with no other resources were a major source of expats in Mexico once upon a time. That is becoming more difficult to pull off, as the Mexican government keeps raising the income requirements for residency (temporary or permanent) while tightening up enforcement of tourist visa overstays.
I’m not going to get into all the ways one can amass wealth, as that is a path well-trod by many financial planning experts (which reminds me, retaining one of these experts, especially one who gets paid by the size of your holdings and not by the amount of trading, is a great idea!). Suffice it to say: live within your means, invest and diversify, avoid keeping up with the Joneses, and don’t get divorced. Maybe I will write a blog on how to amass wealth.
more life lessons from Die Hard
To finish with one more Die Hard reference, the “fly in the ointment, the monkey in the wrench” of retiree financing is your health. Health care costs, whether routine or traumatic, can bankrupt even the frugal, life-long saver. Having good health insurance is critical, but hard to do. You can’t really save your way past the risk of long-term care expenses. You will get old, you will get sick. Maybe you’ve won the genetic lottery. Maybe you exercise and eat a healthy diet. We all do what we can. I prefer to think of it this way: if you face life-or-death health issues, retirement financing is the least of your worries.
In Part Three, we’ll consider how to transition to retiree, smiling or not.
I recently saw a Tedx talk (link) which did a good job of discussing the phases of retirement. Still, some things bothered me, since some of the language (e.g., “squeezing all the juice out of retirement”) seemed to convey the exactly wrong sentiment in my opinion. So I decided to gather my own thoughts and write about it, as that’s what bloggers do. I’m not exactly an expert on retirement, but I do have some credentials, which I’ll cover as we go. So far we (important change of subject pronoun there!) have faced none of the financial or existential challenges which are so common among retirees. So we got that going for us. . . which is nice.
Before we dig in, may I take a moment to point out just how weird the concept of retirement is? For all of human history, people worked and raised families until they were too old or infirm to do so, then they died. The rich never needed to work, so they found ways to spend their leisure, and eventually they died, too. But nobody “retired.” Rome gave its soldiers a pension, but that was because having poor-men-with-combat-experience-lying-about is bad public policy. Otto von Bismark introduced the modern concept of retirement in the 19th century by forcing Germans over the age of seventy to quit and accept a government payment. Even as late as FDR’s successful enactment of social security in the States, many people of retirement age were opposed to the idea of having to stop working! Population growth, the industrial revolution, and the rise of the middle class all combined to popularize what we now call retirement. So it’s fairly recent and not at all surprising humanity hasn’t quite mastered the concept!
So what is retirement? In its simplest form, it is a period of life in the absence of work. To differentiate it from other times without work (i.e., unemployment), I would add “the need to” before work. Pretty simple, but you would be amazed at the number of people who fail to get this definition. I think here of friends who talk about their “retirement job,” “part-time retirement,” “semi-retired,” or “retired except for. . .”. Nope, not retired, that’s all. Not that there’s anything wrong with continuing to work, or working less hours, or working with less stress: all great concepts, and rightly to be praised. Just not retirement.
Notice that in the definition I have proposed (a period of life in the absence of the need to work) need does not necessarily denote resources. Need can be financial (e.g., I have to keep working to pay off my mortgage) but it can also be purposeful (I have to keep working because I’m the boss, that’s who I am), or evasive (I have to keep working because I don’t know what I would do with myself), or well anything. Need just represents the “what” which comes after “I have to keep working because . . .”
So the person who takes on huge responsibilities in volunteer positions during their retirement? Are they truly retired? Perhaps, since only they can answer “why?” they do so. The point here is not to judge what options anyone chooses, but rather to clearly identify what we are talking about when we say “retirement” so we can then move on to how to be a smiling retiree.
Next up, Finances, or the way we go about retiring!
Facebook just reminded us we passed our sixth anniversary of moving to Mexico. Time to take a look around and see what’s changed here, and what remains the same.
First and foremost, there are more people around here. Not just expats, but also chilangos and tapatios looking to live the good life. Now that we are post-pandemic, there is a steady stream of NOB social media posts about “moving to Mexico,” and the snowbird season is especially noticeable for the crowds and traffic. But weekends year-round can be overcrowded, too. Now, to keep things in perspective, lakeside remains a string of small villages nestled ‘tween the lake and the mountains, and most of the time it still feels that way. But at times and seasons, one starts to feel the “where did all these people/cars come from?” vibe.
Weekends wall-to-wall
Several of the grand development projects intended for lakeside have flopped. The eyesore along the libramiento, on the hill overlooking WalMart, is in suspended animation: no building, maybe not even any advertising. Just an ugly road zigzagging up the mountain. May it always be only so. The seven story apartment complex on the lake near La Floresta got cut down to three or four stories, which was all it was originally approved to be. The assisted living facility west of town seems to be financially stuck, not completely finished. It’s still hard to do big things in Mexico; that hasn’t changed.
The eye-sore…
Which is not to say there is no development. Lakeside has been a beehive of what is known as “in-fill,” where small parcels or lots are transformed into little complexes of homes or apartments. This is happening in the village of Ajijic and westbound towards the county line with Jocotepec. There are some larger developments intended along the libramiento, and perhaps in and east of Chapala. There is also a continued gentrification challenge, as cash-heavy gringos buy traditional casas in Mexican neighborhoods, then gut-and-remodel them into much larger, more expensive properties.
Despite all this development, there is still no serious government plan to improve infrastructure. There are condominios with problems accessing water, others areas face sewage run-off. Internet access went from poor to good (not by NOB standards), but it is spotty by location, with the usual problems of intermittence. Still, it is generally good enough for streaming and perhaps working online. And the roads. . .well, they merit some paragraphs all their own.
Cobblestones + rain = potholes (baches)
First, we have mostly cobble-stone streets. They are the local tradition, quaint, difficult to walk on, and easily damaged. And when I say cobble-stone, I do not mean pavers, or bricks, or anything else other than STONES which are cobbled (placed) together to make a surface. During our rainy season, when some streets become streams, the stones get dislodged, and gradually grow into wheel-eating baches. Eventually the government hires someone to carefully replace the stones, usually after the rainy season ends. Rain-n-Repeat.
Given the lakeside villages lie between a lake-and-a-mountain range, there is only one major road crossing the area, with no space for another. The government occasionally adds traffic lights, which don’t help, since they are neither timed nor use sensors. All these lights do is spread the traffic jams smoothly across the area. Everyone notices that when the lights go out during the rainy season, traffic flow actually improves. Add in numerous gringos whose licenses NOB would have been suspended decades ago, young tapatios who think any straight road is a potential drag-strip, trash-trucks, gas-trucks, vegetable-trucks, families on scooters, pizza-deliverers, and people tripping on cobblestones and you can see why some folks find the traffic maddening.
the car-tastrophe
The most obvious and nakedly terrible change was the redesign of the intersection of the libramiento (the main bypass leading in to Ajijic) with the carretera (main street) in front of WalMart. Months of work and apparently minutes of planning resulted in a concentrated series of lights, right turn lanes, no left turns, topes (speed bumps), bus stops, an access road (with dividers which can be driven over) that safely brings all traffic to a standstill, except late at night, when everybody just drives through regardless of the lights. There is literally no legal way for drivers coming from the east to turn into WalMart. It is a spectacle that must be seen to be believed.
The government did complete a cyclopista, a bike lane running the length of lakeside. It was widely derided by expats as a white elephant project, and even locals objected because it ate a parking lane on the carretera. But it turned into a field-of-dreams moment; they built it, and now it’s full of cyclists and pedestrians! Of course, gringos flying down the bike lane in electrified bikes are a new menace to left turns. But that’s Mexico, two steps forward, two steps left, three steps right, one step back, and what were we doing, anyway?
One thing unchanged is lakeside remains dining-out heaven. There are more, more diverse, inexpensive but good quality restaurants than any comparable town on the planet. The restaurants constantly come and go, or just change locations. The staffs move around, too. We often find we are re-introducing ourselves to a waiter by saying, “weren’t you at X and then Y restaurant?” Prices have been hit by inflation and a small appreciation by the Mexican Peso. But here’s a telling example. We went out for German food yesterday. Yes, German food in a tiny Mexican village. We had two suppen as vorspeisen, a bottle of German bier, two glasses of Mexican wine, and two servings of German-style goulash (beef) with red cabbage and spaeztle. Delicious, and quite authentic (we used to live in Germany). Total with tip? $1000 MXP, or roughly $50 USD at current rates. Of course one can eat much more frugally, but you get the point. I can cite German, French, Italian, Spanish, Polish, Middle-Eastern, Thai, Indian, Vegetarian/Vegan, Russian, Jewish Deli, Venezuelan, Chinese, Japanese/Sushi, Vietnamese, Argentine, Tex-Mex, diners, pubs, and maybe even a few Mexican places, doncha’know?
We’re seeing more, younger expats. The pandemic sent several million baby-boomers into early retirement, and that’s something (I can attest to being) much more affordable in Mexico. We also see more young families, who are looking for a quality-of-life improvement. The weather, the cost of living, and the cultural emphasis on family over financial success all play parts. We don’t see as many of the young, single, digital nomads. They tend to head toward bigger cities, as the night-life at lakeside can be limited.
The increase in migration from the United States to Mexico has led the Mexican federal government to be more rigorous about immigration status. The financial requirements keep increasing (they don’t want indigent visitors any more than any other country does), as do the enforcement of things like tourist visas, property ownership, car buying, et cetera. On the plus side, they are streamlining the actual process of crossing the border at airports, so it’s much smoother and faster.
The weather remains near perfect in this expat’s opinion. Long-time expats assure me it was warmer in winter way back when (twenty years ago), but I remind them they were much younger way back when, too. We still don’t have and don’t need heating or cooling. I have yet to start my gas fireplace for any reason beyond cosmetic. I admit the climate here has greatly reduced my tolerance for extremes. I used to run daily in Washington, DC, whether in 100° F “black flag” heat-warnings or two feet of snow and ice, always in just a t-shirt (sometimes long sleeve) and shorts. Our recent visit to Panama left me seeking shelter from the tropical Sun, and our December visit to northern Italy had me shivering uncontrollably. I guess my blood has officially thinned.
Commercial development has started to spread along the carretera west of Ajijic, much like it once did east through Riberas and San Antonio Tlayacapan. There are more restaurants, shops, and services, although again they come and go without any sense of a development plan. Nothing captures this better than the sad tale of the dog shelter, which gringos requested and the local government funded the purchase of a property. Which ended up being next to several developments. Which meant 24 hour-a-day barking. Which led to petitions to move or close it. And another government effort to find a place, which apparently fell through and, well, you get the picture. One thing that has not changed is the absolute necessity of visiting a neighborhood before living here, and also looking at the land around it. Your small set of homes amidst groves could later have an auto-body shop, a dog run, and an evento (party palace) next door.
Some expats tell me the locals are starting to resent the expats for driving up prices. WalMart’s prices don’t change due to the expats, and the locals shop the tiendas, where they never pay “gringo taxes.” Expats do run up real estate prices–the gentrification problem I mentioned earlier–but that happens regardless of who is buying: Mexicans from Mexico City (Chilangos), Guadalajara (Tapatios), or expats (Gringos). The problem exists anywhere there is a desirable place to live. Regardless, everybody seems as friendly as ever, and this remains a great reason to visit or move here.
What about crime? Well, one becomes accustomed to waking to the sound of automatic weapons fire, and cordite-in-the-morning? It smells like victory! I kid of course, the only consistent noises we hear are cohetes (fireworks) and roof dogs. Nothing tells you you’re dealing with a newbie expat more than if they ask “what’s with the fireworks?” or “why are there dogs barking from rooftops?” Seriously, lakeside remains a Mexican Mayberry. We have predictable crime patterns: before Christmas, there are a raft of petty thefts and purse-snatchings, as some desperate people try to eke out some extra cash. After an election, the police are hesitant to make arrests because they don’t know how the new administration will respond. Sometimes a few new crooks come into the area and we have a string of car thefts or mustard-bandits, until they get caught. The degree of violent crime is such that no one thinks twice about walking around at night in the village. Can you do that where you live?
What do we have more of? More hospitals, clinics, doctors and dentists than you would imagine, especially since we are a short drive from Guadalajara, which is Mexico’s medical centro. We have two hospitals and a hospital-like clinic just around Ajijic. A couple more private international schools have opened, along with the existing public schools and the technology training center. More real estate firms (‘natch!). A dozen or more thrift/resale/antique shops. More Costco re-sale shops, who travel up to Guadalajara, purchase from Costco, then stock shelves locally.
Living among an aging retired expat cohort, one change is constant: good-byes. We’ve lost amigos to death, family emergencies NOB, and health issues. More newbie expats arrive than depart, and while this discomforts some old-timers, life here would be less if it was otherwise. Like the steady flow of people into the United States (I’ll write more on that in the near future), the steady flow to lakeside attests to one thing: life really is better here, if this lifestyle fits you. It sure fits us!
