More $$$ Jokes For Your Amusement

More $$$ Jokes For Your Amusement

For all those needing a smile today!

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I gave Henry Winkler $1,000 to invest for me, and never saw my money again…

I think I fell for a Fonzie scheme.

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A genie came to me and asked, “What’s your first wish?”

I answered, “I wish I was rich!”

The genie then asks, “What’s your second wish, Rich?”

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Three animals were having a drink at the bar when the tab came.

“I’m not paying it” said the duck. “I’ve only got one bill and I’m not breaking it.”

“I’ve spent my last buck,” said the deer.

“Then the duck’ll have to pay,” said the skunk. “Getting here cost me my last scent.”

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Mother gives her son two dimes, one for the church collection and one for an ice cream after church.

On the way he drops one dime and it rolls into the storm drain.

Boy: “Oh darn, there goes God’s dime”.

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If you found a five dollar bill in every pocket of your coat, what would you have?

Someone else’s coat.

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Doug: Thank you so much for lending me that money. I shall be everlastingly in your debt.

Larry: That’s what I’m afraid of!

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I gave my money to Bernie but he just Madoff with it

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After years of putting money into a savings account, a wife tells her husband the good news:

“Honey, we’ve finally got enough money to buy what we started saving for in 1979.”

Her husband blushes with giddy excitement.

“You mean a brand-new Cadillac?” he asks.

“No,” says the wife, “a 1979 Cadillac.”

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A man who needs legal help goes to a lawyer’s office but is on a budget.

“Can you tell me how much you charge?” he asks.

“Of course,” the lawyer replies, “I charge $800 to answer three questions.”

“Don’t you think that’s an awful lot of money to answer three questions?”

“Yes it is”, answers the lawyer, “What’s your third question?”

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A little boy wanted $100 badly and prayed for two weeks but nothing happened. Then he decided to write a letter to the Lord requesting the $100. When the postal authorities received the letter addressed to the Lord, USA, they decided to send it to the President instead.

The President was so impressed, touched, and amused that he instructed his secretary to send the little boy a $5.00 bill, as this would appear to be a lot of money to a little boy. The little boy was delighted with the $5.00, and sat down to write a thank-you note to the Lord.

“Dear Lord, Thank you very much for sending me the money. However, I noticed that for some reason you had to send it through Washington, DC and as usual, those jerks deducted $95.”

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A woman and a lawyer are sitting next to each other on a long train ride. The woman, who is tired after a long day of work, just wants to take a nap. She closes her eyes and tries to relax, but before she can fall asleep, the lawyer turns to her and asks if she wants to play a fun game.

The woman politely declines, but the lawyer insists. “Oh, it’s a really fun game!” he says. “And it’s so easy to learn! I’ll ask you a question. If you don’t know the answer, you pay me five dollars. And then you’ll get to do the same to me.” The woman opens her eyes just long enough to calmly shake her head before she sinks back into her seat.

But the lawyer would not take no for an answer. “Okay, fine. I have an even better game for you. If I ask a question and you don’t know the answer, you’ll give me five dollars, but if you ask a question and I don’t know the answer, I’ll give you 500 dollars.”

Figuring the lawyer will just keep on blabbering if she says no, the woman agrees to play the game. The lawyer starts: “What’s the distance between the earth and the moon?” he asks. The woman simply responds by reaching into her wallet and handing the lawyer five dollars. The lawyer then invites her to ask him a question.

“What goes up a hill with three legs and comes down with four legs?” asks the woman.

The lawyer is stumped, so he pulls out his smartphone and tries to look up the answer. After finding nothing on his first search, he texts three of his lawyer friends to ask if they know the answer, but none of them has a clue as to what it could be. After an hour of scouring every corner of the internet to no avail, he wakes up the woman and tells her he gives up.

He hands her five crisp $100 bills, and the woman thanks him. She realizes her stop is up next, so she gets out of her seat and starts to head for the exit. Before she can get in the aisle, though, the lawyer stops her and asks, “Well, what’s the answer?” The woman doesn’t respond. Instead, she reaches into her wallet and hands the lawyer another five dollar bill before exiting the train.

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An now some non-financial classics!

How do you find Will Smith in the snow?

You follow the fresh prints.

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What do you call a fake noodle?

An impasta.

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What’s the difference between a snowman and a snowwoman?

Snowballs.

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How many tickles does it take to make an octopus laugh?

10 tickles.

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Did you hear about the man who fell into an upholstery machine?

He’s fully recovered.

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Why didn’t the melons get married?

Because they cantaloupe.

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So you don’t want to hear a joke about potassium?

K…

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And lastly, my kids’ personal favorite:

Why do ducks have tail feathers?

To cover up their butt-quacks.

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Hang in there, everyone 🙂

 

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from Finance https://www.budgetsaresexy.com/more-jokes-for-your-amusement/

Some awesome things I learned recently

Some awesome things I learned recently

eyes emoji

Here are a few things I learned lately that might excite your wallet 🙂

Lemme know if you try any of them – especially #2!

It won’t be weird at all if I stare at you while you sleep, right?!

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#1. PATCHING THINGS UP IS BECOMING TRENDY AGAIN! It’s being dubbed “visible mending“, and been taken up by those protesting “fast fashion” and disposable culture, as well as those of us are just plain ol’ thrifty!

“Showing off your patches, visible menders say, draws attention to the way a garment’s life span has been extended. It also subverts the notion, long held, that mended clothes are worn by the poor, while the height of luxury is buying a new wardrobe every season.” – NY Times

No more making fun of my jeans now 🙂

favorite ripped jeans

#2. PEOPLE HAVE FOUND A WAY TO MAKE MONEY IN THEIR SLEEP! If you’re on Twitch or TikTok – whatever those are – here’s your big chance… 😉

The newest trend in Twitch streaming is literally sleeping. That’s it. Over the past few weeks, streamers have been training their cameras on their mattresses as they doze off. In the intervening hours, viewers use Twitch’s donation function to gift them small quantities of money—$2 dollars, $5 there. A couple of streamers cutely refer to them as “slumber parties.” – Wired

Further reading on this:

Twitch Streamers Make Thousands Literally by Just Sleeping via Wired
How to Make Money in Your Sleep via NY Times.

#3. THERE’S AN APP THAT TELLS YOU WHERE YOU CAN FIND THE CHEAPEST MEDS. (And how CRAZY the differences can be depending on where you pick it up!)

We found that frequently the price of the same pills can be double or triple at one store what another store just miles away charges. In some cases, the highest price was more than six times the lowest price listed on GoodRx… For instance, the cheapest place to buy a one-month supply of atorvastatin near HuffPost’s Washington office was $6 at a Harris Teeter grocery store and the most expensive was $45.37 at both Walgreens and Rite Aid. – HuffPost

Here’s the app –> goodrx.com/mobile

And then here’s a deep dive on it –> This App Saves Money On Prescriptions via HuffPost

#4. PANERA BREAD NOW OFFERS UNLIMITED COFFEE FOR ONLY $9/MO!! Which admittedly was a helluva lot more exciting BEFORE the corona lockdown, but still – a good thing to know for when things resume again 🙂

Here’s how it works: You sign up for a Panera Coffee subscription for $8.99 per month (plus tax). You have to be a member of the MyPanera rewards program to sign up, but that program is free. You show up whenever you want. (Fine print: You can only show up every two hours.) You can order one hot coffee, iced coffee, or hot tea each visit. That’s it. In addition, Panera now lets you pour your own almond milk at the coffee station for free, eliminating the upcharge for it. – Lifehacker

To learn more or sign up –> https://www.panerabread.com/en-us/mypanera/mypanera-coffee-subscription.html

#5. THEY MAKE CONTAINERS THAT LOOK LIKE FRUIT TO SAVE LEFTOVERS! Which had me spending $5/piece because they’re so damn cute!

fruit saving containersAmazon –> Hutzler Food Savers (affiliate link)

BONUS PERK: No more Saran Wrap or plastic baggies needed anymore so better for the environment too! Which is what led me to these when I realized I was going through an awfully large amount lately!

Now time to make some freshly squeezed lemon water, mmm…

 

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from Finance https://www.budgetsaresexy.com/awesome-things-i-learned-recently/

Just a friendly reminder…

Just a friendly reminder…

YOU ARE INVESTED FOR THE LONG HAUL.

      YOU ARE INVESTED FOR THE LONG HAUL.

            YOU ARE INVESTED FOR THE LONG HAUL.

                  YOU ARE INVESTED FOR THE LONG HAUL.

                        YOU ARE INVESTED FOR THE LONG HAUL.

                              YOU ARE INVESTED FOR THE LONG HAUL.

                                    YOU ARE INVESTED FOR THE LONG HAUL.

walking piggy gif

 

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[Prefer to get these blog posts *weekly* instead of daily? Sign up to my new weekly digest here, and get other thoughts on life/business/money as well: jmoney.biz/newsletter]

from Finance https://www.budgetsaresexy.com/just-a-friendly-reminder/

Survival of the fittest. Nature and high-tech in contemporary art

Survival of the Fittest at Kunstpalais in Erlangen. An exhibition that’s only one hour away by train from Munich and one of the last shows i got to see before the coronavirus put Europe on lockdown…


Alexandra Daisy Ginsberg, Self-inflating Antipathogenic Membrane Pump from Designing for the Sixth Extinction, 2013-15


Tega Brain, Julian Oliver and Bengt Sjölen, Asunder, 2019. Exhibition view at Kunstpalais Erlangen, “Survival of the Fittest.“ Photo: Kunstpalais Erlangen, Alexandre Karaivanov

Are artificial intelligence, blockchain technology, bioengineering and other innovations a key to healing the planet or are we fooling ourselves? Survival of the Fittest -which title seems to unintentionally mock current events- helps us ponder upon this question.

The installations, videos and sculptures selected by curator Milena Mercer look at the ambiguous role that technology can play in shaping the future of our planet. Each in their own way, these artworks navigate the tensions between a techno-solutionist discourse that celebrates technology as the ultimate answer to the effects of climate change and, on the other hand, the more critical voices that see in our faith in technology one of the main drivers of the ecological crisis.

In the Darwinian evolutionary theory, the “survival of the fittest” can be understood as the “survival of the form that will leave the most copies of itself in successive generations.” In the age of digital technology and synthetic biology, the fittest might not be the one we are used to: a feline Ai might turn out to be the fittest politician to help a city face the challenges tomorrow will bring; an ammonite that is 66 million years old might be the best harbinger of our future; and a lab-engineered life might be the best-adapted organism to survive the climate crisis.

Art, unlike design or technology, doesn’t promise to solve problems but its value is unrivalled when it comes to articulating difficult questions, bringing nuances to bold promises and helping us reflect on a future we can’t seem to trust anymore.

Here’s a quick tour of the show:


Pinar Yoldas, The Kitty Al: Artificial Intelligence for Governance (film still), 2016


Pinar Yoldas, The Kitty Al: Artificial Intelligence for Governance (film still), 2016

It’s hard to resist the charm of Pinar Yoldas‘ Kitty AI. You would normally distrust it. First of all, it’s an AI. And that AI has achieved what many people fear: domination over humans. We are in 2039, Kitty AI is the first non-human governor of a big European city. It is adorable and efficient, wise and cute. Citizens use their smartphones get in touch with it and complain about what is wrong in their neighbourhood. If the Kitty AI algorithm determines that the issue is important, it will solve the problem immediately.

What makes Yoldas’ animation particularly smart is that it doesn’t just propel us into speculation, it charts the various socio-political events and technological landmarks that led citizens to elect an AI to rule their city.


Simon Denny, Extractor, 2019


Simon Denny, Extractor (Digital illustration by Paul Riebe), 2019


Simon Denny, Caterpillar Biometric Worker Fatigue Monitoring Smartband Extractor Pop Display, 2019. Photo: Jesse Hunniford/MONA

Simon Denny‘s series of works uncovers different layers of extractive behaviours, most of them spurred by the greed of the corporations that mine, engineer and manufacture digital technologies but also collect and process vast amounts of data, doing untold damage to ecosystems in the process.

The first thing you see as you enter the room is an over-sized cardboard version of CAT’s smartband, a bracelet that monitors worker’s sleep and determine the likelihood of an accident on construction or mining sites caused by fatigue. The device ensures that a worker’s weariness will not jeopardise productivity and profitability. The smartband is used in the mining industry, the backbone of the economy in many countries but also a cause of disasters and pollution that ravage ecosystems and the health of local communities.

The large cutout serves as a display for dozens of boxes containing a sinister version of the 1960s Australian board game Squatter, a kind of outback sheep-farming version of Monopoly. In the original game, players are aspiring farmers who battle flood damage, bushfires, animal disease, droughts and other disasters that have since become the new normal for Australia and other countries.

Denny’s version of the game -called Extractor– transposes the principles of sheep farming to the lucrative industry of data mining. At the start of the game, each player is a small start-up operator dreaming of amassing and monetising as much data as possible. The obstacles faced by players face range from diversity training to staff walkouts due to military contracts.

The game also demonstrates that mining for data is just as damaging for the planet as mining for raw material. Everything is connected, the virtual economy has very physical and ecological dimensions.


Christina Agapakis, Alexandra Daisy Ginsberg and Sissel Tolaas, Resurrecting the Sublime in Better Nature, 2019. Exhibition view “Survival of the Fittest”, Kunstpalais Erlangen. Photo: Alexandre Karaivanov


Christina Agapakis, Alexandra Daisy Ginsberg, Sissel Tolaas, Digital reconstruction of the extinct Hibiscadelphus wilderianus Rock, on the southern slopes of Mount Haleakala, Maui, Hawaii, around the time of its last sighting in 1912. Part of Resurrecting the Sublime, 2019

Resurrecting the Sublime offers visitors the opportunity to smell extinct flowers, lost due to colonial activity. The scent installation is the result of a collaboration between designer Dr. Alexandra Daisy Ginsberg, smell researcher and artist Sissel Tolaas and an interdisciplinary team from the biotechnology company Ginkgo Bioworks, led by Creative Director Dr. Christina Agapakis.

Using DNA extracted from specimens of flowers stored at Harvard University’s Herbaria, the Ginkgo team used synthetic biology to predict and resynthesize gene sequences that might encode for fragrance-producing enzymes. Based on Ginkgo’s findings, Sissel Tolaas reconstituted the flowers’ smells in her lab, using identical or comparative smell molecules.

You can sit on a stone under a hood that releases the scent and watch an animation showing the landscape as it used to be when the flower was still blooming. The project replicates the feeling of being there but it can never reproduces the full sensory experience. Once a species has disappeared, its ecosystem reconfigures itself. We can never go back in time and undo the damage we’ve done to the planet.

This kind of project lays bare the contradictions within the whole de-extinction movement. In a time of global biodiversity crisis, it would be wonderful to bring back the wholly mammoth and other vanished wild animals and plants. But which species should we start with and which criteria should we use to determine our priorities? Cuteness of a species? Amount of “services” it can fulfil in the environment? And if we manage to “resurrect” a tree or an animal, how will they fare if their original ecosystem has changed? Could they, for any reason we haven’t foreseen, constitute a threat for modern ecosystems? Is the original cause of their extinction still present? How do we ensure that the recreated species is genetically-diverse enough to ensure its own survival in the long term?

Resurrecting the Sublime, however, also suggests that the knowledge we are gaining from figuring out how to bring back extinct species could have a positive effect on the wildlife that is still around us: by connecting us to it and make us realise what we might loose.


Jonas Staal, Neo-Constructivist Ammonites, 2019. Exhibition view “Survival of the Fittest”, Kunstpalais Erlangen. Photo: Alexandre Karaivanov

Public and increasingly also public interests are intent on colonising Mars and possibly other planets in the coming decades in a bid to flee from climate catastrophe, spread capitalism to interstellar levels, satisfy a thirst to conquer what hasn’t been conquered yet, mine for resources that are becoming harder and harder to extract on planet Earth, etc.

With his project Interplanetary Species Society (ISS), Jonas Staal invites us to consider our own biosphere before we go and embark on this ambitious project of becoming an interplanetary species.

ISS calls for new forms of comradeship between human, non-human, and more-than-human agents. Cooperation instead of colonisation! His installation consists of drawings and of ammonite fossils on top of columns bearing slogans such as “Redistribute the Future”, “Fossils are Comrades not Fuel”, “Collectivize Extinction” and “Living Worlds”. His Neo-Constructivist Ammonites installation pays homage to the Russian constructivists and productivists that spoke of revolutionary objects as “comrades”, as revolutionary agents in their own right. Ammonite fossils are thus comrades. The extinct marine mollusc animals dominated the earth’s oceans until it perished in the 5th mass extinction. The human species is now facing the unfolding of the 6th mass extinction of their own making. So maybe ammonites can teach us something. They are fossils; we are fossils-in-the-making.


Andreas Greiner, Edit Yourself KIT, 2018. Photo: Jens Ziehe


Andreas Greiner and Páll Ragnar Pálsson, Aussaat, 2019. Installation view at Kunstverein Heilbronn. Photo: Jens Ziehe

Andreas Greiner and Páll Ragnar Pálsson, Aussaat, 2019. JCVI-SYN3.0 Zell landscape SEM

In 2016, scientists engineered a fully synthetic bacterium containing the smallest genome of any self-replicating organism. Made of the 473 genes, the so-called JCVI-syn3.0 includes only the genes essential for life. John Craig Venter calls them the first complete human-made life and the ‘beginning of digital biology’.

Andreas Greiner and Páll Ragnar Pálsson‘s installation consists of a self-playing piano and a video showing a landscape of the microscopic JCVI-Syn3.0 cells. By magnifying these microscopic forms of life, the installation brings us face to face with living cells that have been entirely engineered inside a laboratory. They belong to our living world, yet they stand aside at the moment. Which status should we give them?

Pálsson composed a piece of music for piano, soprano and violin inspired by video footage of these cells as well as a poem, ‘Sterne im März’ by Ingeborg Bachmann. The musical piece plays in the room. On the wall, Greiner has framed and hung an off-the-shelf DIY CRISPR kit that promises to allow your to manipulate life “from the comfort of your own home.”


Paul Kolling, Paul Seidler, Max Hampshire, terra0 – Prototype for an augmented forest, 2016


Paul Kolling, Paul Seidler, Max Hampshire, terra0 – Prototype for an augmented forest, 2016. Exhibition view “Survival of the Fittest”, Kunstpalais Erlangen. Photo: Paul Kolling


Paul Kolling, Paul Seidler, Max Hampshire, terra0 – Prototype for an augmented forest, 2016. Exhibition view “Survival of the Fittest”, Kunstpalais Erlangen. Photo: Paul Kolling


Paul Kolling, Paul Seidler, Max Hampshire, terra0 – Prototype for an augmented forest, 2016. Exhibition view “Survival of the Fittest”, Kunstpalais Erlangen. Photo: Paul Kolling

Terra0 is a self-owning augmented forest, a prototype that aims to sell licenses to log its own trees through automated processes, smart contracts and blockchain technology. With this system the forest is in the position to accumulates capital, buy more ground and therefore expand.

Other works in the exhibition:

Anna Dumitriu & Alex May in collaboration with Amanda Wilson, Archaea Bot: A Post Climate Change, Post Singularity Life-form, 2018-2019


Futurefarmers, Fog Inquiry, University of California Berkeley, The Sea Inside the Kettle Boils, 2020. Exhibition view “Survival of the Fittest”, Kunstpalais Erlangen. Photo: Alexandre Karaivanov


Alexandra Daisy Ginsberg, Mobile Bioremediating Unit in Designing for the Sixth Extinction, 2013-15. Exhibition view “Survival of the Fittest”, Kunstpalais Erlangen. Photo: Alexandre Karaivanov


James Bridle, Cloud Index, 2016


James Bridle, Cloud Index, 2016


James Bridle, Cloud Index, 2016. Exhibition view “Survival of the Fittest”, Kunstpalais Erlangen. Photo: Alexandre Karaivanov


Simon Denny, Extractor Screen 1, 2019. Photo: Jesse Hunniford/ MONA

Survival of the Fittest is running until 24 May at Erlangen Kunstpalais in Germany. It was curated by Milena Mercer, curator and acting director at the Kunstpalais & Städtische Sammlung Erlangen. The Kunstpalais is closed until the 19th of April. After that, there’s still be a full month to visit the show. And if you still can’t make it to Erlanger, look out for the upcoming catalogue of the show!

Previous stories: Asunder. Could AI save the environment?, Talking broiler chicken, germ maps and maggots with Andreas Greiner, Artists Re:Thinking the Blockchain, etc.

from Finance https://we-make-money-not-art.com/survival-of-the-fittest-nature-and-high-tech-in-contemporary-art/

Stay fierce and focused!

muscle man

Morning!

Lots of scary and anxiety-filled news going around us right now, but there’s also a lot of POSITIVE stuff happening in our community too!

Here’s a bunch of notes I’ve saved up from people killing it these past handful of months, and I just know there will be MORE coming because y’all are fierce and focused!

Don’t let this madness beat you!! Your freedom is still in range!!

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Morning J. Money,

This morning I made my final student loan payment! I paid off $86k in debt between my student loans and a car loan in four years.  Man does it feel good to be debt free by 33 (I turn 33 next month).

Cheers from Richmond VA.

– Kevin

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Hey J!

Just have to share… Sold my expensive and costly condo. Moving into a modest 4 bdrm ranch in town next door with low property taxes. Going to save about $7,500 a year and pocketed $62,000 profit. Took out a $109K mortgage. Payments are $480 a month. Retirement here I come!!

(Not really. Still enjoy working but my retirement will be less stressful when it does happen. Woot Woot!)

–  B.

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Aloha J Money!

Your emails are the first thing I read every morning and have inspired me to reach F.I.R.E by the time I’m 45 in order to pursue my passions without the 9 to 5 (or 6 to 6 in my case since I’m in the construction industry).

I just turned 37 and have $228,000 in investments between my wife and I. Three years ago we had over $60k in debt plus our mortgage and and less thank $20k in investments. I’ve now started a side hustle renting Jeeps on Turo and investing as much as I can in our Roth IRA’s, 401k’s, brokerage accounts & real estate crowdfunding through Groundfloor.com.

Thank you for the inspiration, knowledge and motivation!

Mahalo!

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I just wanted you to know that I paid off one of my credit cards!!  Now I can take what I was paying toward that one and put toward the other one!! I’m anticipating being credit card debt free by the end of the year!!  (I will still have school debt and a car loan).   Anyway, thanks for all the encouragement!!!

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Good Afternoon J. Money,

My name is Andrew Lander and I’m a Professional Voice Actor thanks to you!

I was desperately searching for a side hustle last year and landed on your “70+ Ways to Make Extra Money on The Side” article on your blog.

Side Hustle #60, featuring Voice Actor Carrie Olsen, took me on an exciting road where all I wanted to consume was everything about the voice over industry.

Feeling positively obsessed with my new life goal, I invested in one-on-one coaching, practiced day and night, and once I was told I was “demo ready” began auditioning for everything I could!

Fast-forward only 6 months later and I booked my first gig in an indie video game!

While Carrie was the guest, I want to thank you for giving her a platform to share her story that inspired me to pursue a dream I didn’t know I had.

With great thanks and many more booked gigs to come,

Andrew Lander
Business Casual Voice Overs

Andrew Lander

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Hey J,

Had to share this with someone.

Just a minor step on the road, but it’s the first time my 401k balance cracked a half-mil. 🙂

Have a great day!

Gene Roberts

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J$,

I downloaded your Net Worth template in 2016 and it has quite honestly changed my life. Since then my net worth has tripled, my savings have skyrocketed, the template has grown into a massive beast of my own creation, and I actually know where my money is coming from, where it goes, and how much it makes. I just want to say thank you.

<3 $tickyWicket

P.S. When I showed the NW file to my CPA he turned giddy and said, “Oh yay!! You’re my favorite kind of client!”

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I’ve been in and out of credit card debt since as long as I can remember, but this is past year, I finally paid off all of them and am vowing not to use them for the whole year. I took them out of my wallet and put them in a safe place in my house.

While paying off all the credit cards I have managed to max out my 401k and contribute to Roth IRAs for the last 4 years! Go me! This year I’m really planning on sticking to my no credit card year!

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Hi J$; read every day but rarely post.

I picked this up from an old post of yours, but the idea is often repeated. I went on a no-spend month. Paid my house payment, power, etc BUT no going-out, entertainment, wander through the mall shopping. I filled up my gas tank on the 1st, bought some fresh fruits & veggies, eggs, and milk, and decided what I COULD spend on that month.

Milk, eggs, fruits, veggies-all okay. Otherwise, very little. I raided my freezer, pantry, friends’ brains for bright ideas, and spent less than $100 on food for the month. Sadly, I can do at least another month like this because my pantry AND freezer are still full. Walked a lot, read a ton of books, took advantage of free wi-fi; stuff like that. Paid cash when I went to the grocery/farmer’s market.

What it boiled down to was… I learned that I can comfortably live on a hell of a lot less than I’ve been spending. *shudder*. And my budget needs some tweaking, so I redirect those $$ where they will be working for me.

Like I said, I’ve been reading your blog for a long time. I’m grateful for the kinda oddball ideas you collect from all over, along with your own. I can’t tell you what motivated me to do a no-spend month but I can tell you, it was well-worth the education. Thanks again for keeping the fire burning; I’m working toward improving my finances every day!

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I started tracking my net worth in March 2013 after finding your blog – $66k. We are a little over 6 years later and at ~$450k. I’d honestly love a freaking recession so I could pile some more money in though! [Got his wish there! – J$]

– Chris, FlippingADollar.com

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We finally got to the half a million net worth mark last week! And I didn’t even know until my wife told me this weekend! Considering we met 6 years ago and at the time I had a $5,000 net worth and my wife said she had something like $30K, I’d say it’s been pretty good!

Although there was a $75K inheritance there in 2015. So we can take credit for roughly $400K in about 6 years (Still can’t believe those numbers!). Sorry, you’re probably one of the few people who can understand how crazy that sounds! I lived paycheck-to-paycheck until I hit 30 and now I’m a half a millionaire! Wooooo!

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Thanks to the Money Show podcast my life has turned 180 degrees. I went from overspending, underinvesting, and accumulating debt to being in a strong financial position.

In less than 1 year since discovering the show and the FI community both my significant other and I have paid off all our debt (totaled $49,000), put away over 6 months in emergency savings each, and now comfortably save/invest over 53% of our income.

I grew up in poverty so I hope you know that having others to learn fiscal responsibility from makes a world of difference to people like myself. My life will forever be improved thanks to the resources I’ve found such as bloggers/podcasters like yourself!

*******

I found an old excel file from 2008 where I was tracking my cash tips from the waitressing job I had in college (I’ve always loved excel). In that file I noted I had $3,221.13 in my bank account which was the extent of my net worth.

Today my net worth is over $215k!!! I’ve been tracking it for 2 years since finding your blog so I know how much it’s grown but it’s extra awesome to see how far I’ve come since college.

– Shawna

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I started reading your blog while I was at my last job where my boss did not like me because of my political affiliation. I became unhappy at work and I felt I had to stay because I had expenses and just “adulting” that I needed to do.

I left that job and started my own business and never looked back. I left them a 200 page exit memo, but leaving was the most freeing thing I did and I never again wanted to be in the position of feeling trapped at work.

While I was consulting I was looking for the next right fit for me. It took about 7 months which I was fine with. Thanks to your blog, I had an emergency fund and I did not need to tap into my savings at all. I was prepared to take my time until I found a role that worked for me. Usually people find the job then leave, but this place was so toxic that I felt better off not having a job than being there.

Fast-forward to today I am at such an awesome place where people are truly so friendly and love what they do. I make just over $67K from my day job of which I save 50% and just over $73K on the side of which I save 100%. (Note: Waiting for a $50K contract to be finalized which would bring me up to just over $120K in side hustle income)

You lit a FIRE under me to hustle like no other. I save, invest and challenge myself to focus on goals and how to crush them. These all kind of happened at once but honestly, waking up, reading your blog and having the right mindset is what is doing it for me.

– “Jeremy”

*******

J. Money –

Because of you I started tracking our net worth and we are at $750,000.

We got here through diligently saving $$$, and especially have ramped it up the past few years. My current employer matches 18% of our salary/bonus which is incredible. We have T. Rowe Price and they consistently say we are the top company out of all their retirement plans. So, that has helped me bank away $50,000 into my retirement TAX-FREE each year.

I’m hoping to hit $1,000,000 in net worth around 40 years old….. 2.5 years away! I love the articles and ideas they spur. Cheers!

Other details:

  • We have $200,000 in home equity
  • $100,000 in college savings
  • $250,000 in retirement accounts
  • $200,000 in other liquid savings (non-retirement)
  • I drive a 15 year old beater (paid off) and the wife a 7 year old minivan (paid off).

– Debt Free in RVA

*******

And then lastly, which I now DOUBLY recommend doing:

Hey J.

Our podcast interview together inspired me to turn off social media from my life on Friday afternoon through Monday morning. It’s been great for my family. I’m going strong with it 4 weeks in a row now. Thank you!

– Andy Hill

*******

Keep it up everyone!!

This is the part of the journey that’ll make you GREAT!!!

Don’t stop!

dont stop believing

from Finance https://www.budgetsaresexy.com/stay-fierce-and-focused/

Aspiring Goal to Shoot For: Spending More on *Donations* Than *Wants*

flying heart

Morning!

Before we get started on this, just have to say I really enjoyed all your feedback the other day on our Fortnite post. And many of you brought up an excellent point on it that I completely missed:

Gaming is a great way to spend *time* with friends and others!

And it’s not unlike other ways we spend money to hang out with each other either, such as meeting over lunch or coffees or spa days, vacations, etc, etc.

So I take back all my snarkiness on those V bucks, and I say if it gets yo uto stay connected with all your loved ones, great 🙂 Though I still might poke fun at you for buying all those dance moves and digital clothes, lol…

Back to today’s thoughts though, been marinating on something a reader sent over at the end of last year that’s really got me thinking on how I prioritize my spending…

And more specifically, how I’d love to prioritize it in THIS way presented if at all possible!

Here’s the full note from Moneybee below in response to our New Years Resolutions post in December (how are those going, btw???? ;)) and while the entire passage is chock full of ideas, it’s the line that’s italicized that really got my wheels turning:

My goals for FY 2019 are to have a positive net worth (on track), have my total spending on gifts and donations be more than my total spending on myself (on track), spend the same or lower percentage of my income on myself as I did last year (not on track), and keep my total number of transactions below a certain number (same idea as no spend days, but you can’t game the system by doing lots of spending on the same day)(not on track). – Moneybee

“Have my total spending on gifts and donations be more than my total spending on myself

Mannnnn… What a challenge! Can you imagine spending more on OTHERS than you do on yourself throughout the year? What a goal to strive for!!

And while it might sound unrealistic at first, what she’s actually alluding to I believe is  “spending more money on gifts and donations than your “wants’” – which is a lot more achievable vs your entire BUDGET, haha… At least that’s my interpretation of it. You’d really have to up your game to give over half of EVERYTHING you spend on unless you don’t have a house/car/stomach/kids!

But if you just strip away your “wants” here and compare that to your monthly giving/gifting, it’s a much more achievable challenge to take on. And perhaps you’re already closer to it than you might think?

I have yet to go through my records and track it all down to the penny, but I DO know I’m currently donating to 11 places right now that are near and dear to my heart at $20/mo each (with an ultimate mission to get to 100 one day!!), which means we’re already at a solid $220 on that front and doesn’t include any other random $$$ or gifts I give away as part of my “have to say YES” strategy.

As far as the “wants” side – if we’re strictly speaking of stuff I buy for ME and no one else in our household like our million kids – there’s actually not that many things that siphon my money as they once did. I basically only spend in 4-5 categories every month, neither of which would break the bank:

  • Coffee (4x a week while blogging)
  • Books (1 every two-three weeks?)
  • Local events (festivals, art shows, get togethers, etc)
  • Clothes (only a recent thing as I stumbled across the BEST thrift store in my town and severely need to upgrade my holey attire! Minimalism has done a number on it!)
  • Eating out for dinner (2x/mo)

(Notice you don’t see old coins or currency there?? That’s because I only use money from my own collection I sell off or when I get a commission for  helping others liquidate theirs. If I don’t keep it self-contained like that I’d get in major trouble! ;))

So we’re probably looking at $50 + $20 + $30 + $20 +$40 = $160, and then let’s say we’re missing another $30 or so since I’m too lazy to double check everything right now, lol, and that puts us right around the $190 mark.

Which is just under the $220 of donations! Didn’t even realize that until now – wow!! I might actually already be pulling this off!

I’ll have to sit down now and really track the numbers, but in either case it’s a helluva mission to take on and had to share it with you in case you get inspired by such things too 🙂

And maybe you’re doing this without even realizing as well?! I bet it would make you feel super proud of yourself if you are! And possibly less GUILTY about spending on *yourself * too as I am now feeling, lol.

In any event, major props to you Moneybee for even THINKING about this and then implementing it (you guys are so good about putting others first!! I always have to remind myself!), and I thank you massively for planting this seed inside me as well 🙂 It may look like I’m doing well *financially* in this, but I still have a ways to go *mentally* and all this helps me get there that much closer.

Now who wants to join us in this?! Maybe try it out for the rest of March and see how you do! Or hell – try to accomplish it just over the weekend! 🙂

You make just one extra gesture and you really can’t go wrong… But if all goes well, who knows – you might just enact some positive change! And our world needs as much of that as we can get right now.

A very blessed weekend to y’all! Thanks for always reading and encouraging! 🙏🙏

from Finance https://www.budgetsaresexy.com/aspiring-goal-to-shoot-for-spending-more-on-donations-than-wants/

I’m just as happy….

happy

A short list of things that make me just as happy in life:

  • I’m just as happy… going for walks as I am to the movies
  • I’m just as happy… wearing used clothes as I am new clothes
  • I’m just as happy… eating pb&js as I am going to restaurants
  • I’m just as happy… going to a friend’s house as I am a concert
  • I’m just as happy… drinking beer at home as I am at the bar
  • I’m just as happy… having a staycation as I am a vacation
  • I’m just as happy… working on passion projects as I am commercial projects
  • I’m just as happy… cutting my own hair as I am hitting the barber
  • I’m just as happy… visiting the library as I am the coin shop
  • I’m just as happy… spending money on someone else as I am on myself

All things I do throughout the year on both sides, but being aware of this equality has amplified both my finances and my confidence…

It’s empowering to know you’re just as happy not paying for stuff as you are paying for it! All the while retaining the same quality of life!

Something to keep in mind as you work through your own journeys over there…

What would your list look like?

from Finance https://www.budgetsaresexy.com/im-just-as-happy/

Joe’s $400k Net Worth + 5 Key Takeaways

joe's net worth graph

Morning!

Here’s another snapshot of someone’s money that I totally forgot to share 6 months ago 😉 Gave me a chance to snatch an update though so now we get to see the before and after which is cool!

Original note below, and then the follow up of where they’re currently at now (bold highlights are mine that really stood out to me):

*******

J Money,

You have a neat community that I have been casually following for a few months. I find myself in a similar situation as your readers who share their stories and a similar perspective. For what it’s worth I’ll summarize my story for you.

I’m a 32 year old California dude tracking my little family’s net worth every month with an aggressive savings goal and our first baby on the books for 2019. Lately I have been all about “sneaky” money. It’s money you save up and exclude from the budget and kinda forget about. Like cash back on a credit card (we pay our cards off every month… credit card debt no bueno). After 18 months our cash back cards have accumulated $450 of sneaky money! We will use that for a Hawaii budget (already booked for next year).

Additionally we are on pace to hit our savings goal of $18k this year. A lot of times that requires sacrifice and sometimes that means navigating a slim budget of $37 per day or less for gas/groceries/unexpected. That can be stressful so we make sure to balance budgets with cutting loose at times and reigning it back in.

Even though it’s difficult, I like to track and look at our budget in terms of daily spending because it really lets you appreciate and understand what you need to do to achieve your long term goals. Of course, in order to pad our expectations from reality I also reserve $900 of contingency each month which we eat up consistently. The contingency has helped us come in under budget consistently too and I’m projecting $2k additional savings from coming in under budget this year (more Hawaii money).

My wife and I both work full time and the baby started daycare at just 5 months (times have changed since our parents generation). We have a combined disposable income of $108k per year, a $160k loan on a $400k house, $50k in IRAs and $60k in the bank. We are saving up for the next house and we might try to keep the current house (built in 2013) as a rental if possible.

In 2019 we hit our stride, but next year will bring new challenges such as a full 12 months of daycare vs 6 this year (Sheesh!). Our savings goal will probably have to come back down to reality next year (I’m projecting $12k of savings for 2020). Thanks for creating a community of goal makers and story tellers J Money, we gotta keep sharing our truth, keep planning & keep the dream alive!

– Joe

*******

And now where they’re at today, 6 months later!

*******

At the end of September 2019 I emailed J. Money because I had just read his blog piece on Net Worth Update Day and I felt inspired to share my story. Now it’s March 10, 2020 and he asked me to give him an update on things…

In 2019 I said that me and my wife were on track to save $18k in 2019… and I’m pleased to inform you that we met our savings goal!

I also said that we planned to take a trip to Hawaii and saved up a budget for that trip separately from our other savings. This trip was our unofficial honeymoon and we arrived in Kauai on the day of our anniversary, February 20th. Ran us $1800 total for 4 nights, including airfare + hotel. We decided to take our now 1 year old daughter along with us. Yes she was fussy on the plane. And yes we had to put our baby to bed at 6pm each night and keep watch over her from across the hotel room while sipping mai tais and watching movies.

Many might disagree, but I feel like these early impressions set a precedence for kids even if our little girl will not remember this trip when she grows up. Think about how many experiences you’ve had in your adult life that you may not remember. The experiences themselves still leave an impression. Besides none of those challenges stopped us from enjoying some hard earned relaxation. Relaxation is important. Don’t forget about it. It’s healthy in our lives and it’s healthy for your net-worth’s long term growth.

So… something interesting happened before we left Kauai. The night before we were due to fly home I had a sudden and strong impulse to divest some Tesla stocks I had been holding onto for the last few years. This gut feeling checked out with my logic centers as I reasoned selling stock for a profit is never a bad thing regardless if the stock goes up afterwords. Plus I was honestly feeling a little tired of checking it incessantly. So I set an alarm on my phone and woke up at 2am to sell all of it in the pre-market hours.

My intuition paid off as coronavirus fears tanked the market in the coming days. What can I say, sometimes you just get lucky!

sold tesla stock[click to blow up]

I sold my investment of $3,827.63 in Tesla stock for $14,517.67 and took a profit of $10,690.04. It’s important to note at this point that I am a complete amateur at this stuff and don’t necessarily recommend stocks as your side hustle. Any money I put in the stock market is money I am comfortable losing. I have capped myself at $6,000 for now and I don’t invest more than that at any given time outside of my retirement portfolio.

So what did I do with the profit? I stuffed it into a high yield savings account of course, lol. I opened the interest bearing account with Etrade for 1.75% APY in January, and transferred money from our brick and mortar bank account. I was apprehensive about moving such a large sum of money over the internet but I clicked the button and called our bank to give them a heads up. It was much simpler than I thought it would be. The interest will give us an additional $1k of income this year in case you were curious.

Before we left for our trip we decided to take our daughter out of daycare and restructure our work life balance to cover her care ourselves. Suffice it to say we are going to save a lot of money this year that would have gone towards daycare. It’s basically a mortgage payment.

So let’s take a look at how 2019 ended and how 2020 is shaping up considering these new developments.

net worth - joe2019 net worth tracking[click to blow up]

As you can see, we had a large amount of money sitting in a checking account for a long time not making any interest. Yikes! We live and we learn, and you can see below that as of March 2020 the money has moved from checking to Etrade.

2020 net worth tracking[click to blow up]

I didn’t track net worth for a few months there from December to February. I am currently projecting $34k of savings instead of the $12k of savings I was anticipating for 2020. The additional savings is due to the profit we took on stocks I wasn’t expecting, and the savings from the daycare I thought we would need.

We bought our house in 2013 for $305k, it is now worth $430k (that’s California for you) and we owe $155k. That makes up the lion’s share of our net worth, but we have achieved meaningful savings in the last few years by setting goals, tracking our net worth and adhering to our budget.

I told J. Money in September how I like to track our monthly budget frequently and relay that info to my wife in terms of how much we can spend on a daily basis to achieve our goals. Here is what that budget looked like for 2019:

2019 budget

And here’s the budget for 2020:

2020 budget

Thanks for reading! Mahalo!

– Joe

*******

So looks like a solid net worth of $400k’ish  and growing! Not too bad for a couple in their 30s! And $100k more than I had at that age too ($314,246.43).

Did you catch all those parts I highlighted?

Any money I put in the stock market is money I am comfortable losing.”

YES! Great mindset to have!! You can never bet the farm on something your livelihood depends on no matter how promising it is. And since stocks *rarely* go down to $0.00, you’ll typically come away with at least something in a worst case scenario anyways. But in a best case?! Well, Joe’s already relishing in that one! 😉 And he means “stock picking” here vs retirement accounts when he’s talking about it all being “extra”. With retirement accounts of course you want to be much more conservative and play it for the long haul.

“…selling stock for a profit is never a bad thing regardless if the stock goes up afterwords.”

Yup. Even though we’ll STILL get pissy when we don’t max out those rewards as if we had a crystal ball!! Human nature can suck, lol…

“I like to track and look at our budget in terms of daily spending because it really lets you appreciate and understand what you need to do to achieve your long term goals.”

This is a great idea, particularly for those who don’t like (or get much out of) the typical budgeting methods. You still have to know what you generally want to spend each month in order to break it down to the *daily*, but it’s much easier to comprehend sometimes when it’s in the here and now. If you know you only have $40 to spend today you’re going to be much more focused!  And feels more real than a future “month from now” type deal.

I actually did something similar the other day when I was having a down day w/ my projects… I calculated how much I was expecting to earn for the year, then divided it by 261 (number of working days in a year) to see how much I was earning *that day* and if it would make me feel better 🙂

It did! Came out to about $475, and I quickly acknowledged that I’m fine with as many crap days as life wants to pass my way for that, lol…

“Lately I have been all about “sneaky” money. It’s money you save up and exclude from the budget and kinda forget about.”

The best kind of money! Which somehow feels BETTER than salary income, even though it’s substantially less?! But having that extra freedom within your finances can help keep you sane and motivated as you go…

NOT EVERY DOLLAR NEEDS TO BE ALLOCATED!

It’s perfectly okay to have some flexibility built in as you roll down the river of life… You can’t predict every last move anyways!

Before we left for our trip we decided to take our daughter out of daycare and restructure our work life balance to cover her care ourselves.”

Probably my favorite line of the whole conversation…  Yes because it saves crazy money, but also because it means more QUALITY TIME with your loved ones -and- proves that you ultimately HAVE CONTROL OF YOUR LIFE and can adapt when you deep down truly want to!! Which is huge! Most people just sit around bitching and wishing instead of figuring out a way to make those wishes come true…

So I’m genuinely and thoroughly impressed with you two, and wish y’all nothing but continued success! Thanks for sharing your journey with us! Feel free to send over as many baby pictures as you want, please 🙂

Questions/comments/thoughts?

from Finance https://www.budgetsaresexy.com/joes-400k-net-worth-5-key-takeaways/

Have you ever spent money INSIDE a video game?

video game coins

Just caught this survey about Fortnite spending and I’m blown away…

Didn’t even know this was a thing, did you?!

Per LendEdu:

  • 77% of respondents have spent money on Fortnite in-game purchases, which was up from 69% in 2018.
  • The average amount spent was $102.42, which was an increase of 21% from 2018’s figure of $84.67.
  • In 2020, 35% of Fortnite spenders were unaware that in-game purchases did not give them an advantage, and 34% said Fortnite was the first game that they started making in-game purchases.

Wha??? If it’s not giving you an advantage then what are you buying?! $100 has to be more than the game itself costs, right?!

[Just Googled the cost, and um…. it’s Free, lol…. Can you tell I’m not a gamer? 🙂

Fortnite doesn’t cost money to play, but it sure generates a lot of cash. The game sells V-Bucks, which go for $9.99 per 1,000 and can be spent on customization items. Players use V-Bucks to buy emotes, which are dance moves, and skins, which are outfits and accessories. – Money Mag

Dance moves and clothes – got it!]

  • 22% of respondents pay for a Twitch subscription account to watch others play video games, with 57% paying for the $9.99 per month model and 29% paying for the $4.99 per month model.

Paying to watch OTHERS play??

  • 21% of respondents would rather pay money to watch someone, like Ninja, play Fortnite compared to the 67% that opted to watch a major sporting event, like the Super Bowl, for free.

Who the hell is Ninja?

Richard Tyler Blevins, better known by his online alias Ninja, is an American streamer, YouTuber, professional gamer, and Internet personality. – Wikipedia

Just….. wow…. haha…

I know I sound like an old man here, but I’m genuinely blown away by all this… I could barely get my parents to pony up the $25 or whatever for a new NES game back in the day – no less spending 4x that INSIDE of one! Not that that was even a thing back in the 90s…

And I’m sure there’s a ton of older kids/adults playing this too (maybe even some of you?) so it’s def. not kid-only, but man – what a world…

Want to buy an avatar you can use here on this blog to hang out? 🙂 $20 and I’ll even let you pick out your hair style! Lol…

But in all seriousness, no judging from here on my end…

As a guy who once spent $40 for a bottle of water or over $100 on a coin with a face value of 1/2 a cent I certainly have no room to talk 😉 If you have the money and it genuinely EXCITES you, then great!! We’re allowed to spend our money on whatever we want no matter what others say….

And I’m reminded of how our tastes and priorities change over the years too. Like how in the beginning were all about toys and FUN and “stuff”, and then later switch to clothing and cars and maybe some partying action (guilty there!!), and then later move to more traveling and “experiences” or even asset building activities.

I honestly can’t think of a single thing I used to spend money on growing up that I do now, outside of clothing and food. We change SO MUCH as people over the years so of course our spending is going to too! But at every point in my life I distinctly remember how *important* those things were to me at the time, even if they’re ridiculous to the now current me… (like with that dang $40 bottled water! Still unopened and on my shelf to remind me of my old ways!).

So I guess the point of all this rambling is that if spending $$ inside video games is  making you happy on the daily, then by all means keep doing it! Even if lame people like me don’t get it!

I’m pretty sure if you saw all the things I spend my money on you’d get a good laugh out of a few of them too 😉 We all have our indulgences! And we’re constantly changing!

Thoughts from you?

from Finance https://www.budgetsaresexy.com/have-you-ever-spent-money-inside-a-video-game/

Art as We Don’t Know It

Art as We Don’t Know It, edited by director of the Bioart Society Erich Berger, artist and researcher Kasperi Mäki-Reinikka, artist Kira O’Reilly and researcher Helena Sederholm. Graphic design by Safa Hovinen / Merkitys.

The book is available on the Aalto University Shop as a hardcover and as a free pdf download.

Publishers Aalto ARTS Books write: What worlds are revealed when we listen to alpacas, make photographs with yeast or use biosignals to generate autonomous virtual organisms? Bioart invites us to explore artistic practices at the intersection of art, science and society. This rapidly evolving field utilises the tools of life sciences to examine the materiality of life; the collision of human and nonhuman. Microbiology, virtual reality and robotics cross disciplinary boundaries to engage with arts as artists and scientists work together to challenge the ways in which we understand and observe the world. This book offers a stimulating and provocative exploration into worlds emerging, seen through art as we don’t know it – yet.

Art as We Don’t Know It showcases art and research that has grown and flourished within the wider network of both the Bioart Society and Biofilia during the previous decade.


Kultivator and Karin Bolender, Kultivating m>Other tongues, 2019


Kira O’Reilly, What if this is the only world she knew?, 2018

I love a book that makes me feel ignorant, that spurs me into learning and catching up with a field i wasn’t following as closely as i thought. With its selection of peer-reviewed essays, personal accounts, interviews and artistic contributions, Art as We Don’t Know It reminded me how fast-paced, broad and exciting bioart can be. Reading it has been a humbling and enlightening experience.

Bioart remains at the margins of mainstream art. And yet, by relentlessly scrutinising natural sciences and establishing connections with researchers, bioart ponders upon some of the most profound impacts that the manipulation of life will have/is already having on culture, ethics and society. And then sets to communicate them with imagination, depth and clarity.


Tamara Pertamina, CRISPR SPERM BANK, 2018

The book is structured around four thematic sections Life As We Don’t Know It, Convergences, Learnings/Unlearnings, Redraw and Refigure. And because bioart people are generous like that, they also threw in a glossary as a bonus.

Life as We don’t Know It is the perfect title for a section that looks into the shift in our understanding of what constitutes life following the rapid development of synthetic biology. It goes further however by also exploring exobiology, the biological systems and forms which are not from earth. The second section of the book – Convergences – focuses on the different ways in which the technological and the biological cluster into new constellations through artistic practice. Learnings/Unlearnings underlines the importance of self-education and knowledge-sharing when it comes to understanding, probing and communicating techno-scientific developments. A more self-reflective section, Redraw and Refigure looks at how art and thinking can help speculate and offer “strategies of amendment.”

The book closes on a glossary where you read about animal and forestry but also “Black Veganism” and xenomogrification. Each author submitted terms and definitions that they considered relevant to their contributions.

Ian Ingram, Nevermore-A-Matic, 2016


Gerrit Van Bakel, Tarim Machine of the Utah tarim connection, 1982

If you’re interested in animals, survival, sex, climate change, biopower and anything in between, you’re bound to find something to make you think in Art as We Don’t Know It. Here’s a quick overview of some of the articles i enjoyed the most:

By going through the details of her HRT regimen, xenologist Adriana Knouf points to the “biohacking” dimension of HRT. Not only because of its profound medical effects but also because the United States Food and Drug Administration doesn’t officially authorise its use in the context of gender affirming therapy. There are no medications specifically designed for trans-gender HRT and by relying on what is available and marketed to cisgender people for all sorts of health reasons (to counter acne, high-blood pressure or the effects of menopause, for example), anyone using these medicines on the long term in the context of gender reassignment therapy is engaging in a form of self-experimentation.

Knouf’s text also explores xenology, the study, analysis and development of the strange, the alien, the other. Because some people fail to see transgender individuals as fully human, she herself feels like she belongs to xenology. Instead of running away from that term and what it entails, she embraces it as a part of a series practices of DIY and DIWO, hacking, reclaiming technology, infiltrating labs and opening up to encounters with other xenoentities in the universe.

Erich Berger uses his observation of the landscape in the sub-Arctic region of northern Finland and a selection of artworks to illuminate otherwise hard to cenceptualise matters of deep time and deep futures.

Laura Beloff reflects on hybrid ecology through the lens of art and forestry in Finland. I was expecting that the wise and eco-conscious Finns would protect their forest patrimony better than the rest of a Europe. Sadly, it appears that in Finland too the government sees forest as a resource to exploit for maximum economic gains. Hybrid ecology, she explains, refers to artworks and art practices that deal with an ecology that is an aggregate of biological and technological parts further complicated by the pressure of socio-economic interests. They form a community which grown, constructed and modified members enter into reciprocal exchanges that go beyond human intentions. The selection of artworks Beloff uses to illustrate the concept of hybrid ecology reveal changing environmental and societal conditions.

Rian Ciela Visscher Hammond wrote about Open Source Gendercodes, a project that aims at developing new, cheaper hormone production technologies in order to queer oppressive regimes of ownership and bio-power.


Christina Stadlbauer, Ceramic Scar Tissue, 2018 (photo)

I learned in Denisa Kera‘s account of the forgotten history of our attempts to make science more inclusive and socially-engaged that Antoine Lavoisier, the father of modern chemistry, was publicly executed for his “unpatriotic” science. That was the the late 18th century but as she explains, various regimes in the 20th century similarly abused science and technology to serve their own vision of how science should serve the “greater good.”

Curator Jurij Krpan, looked back at the impressive accomplishments of the Ljubljana institution Kapelica Gallery. His essay focuses on the development of a program that orchestrates the creation of increasingly complex artworks. The works supported by Kapelica demand sophisticated technologies, functionally equipped rooms and the support of scientists and engineers from around the world.

Heather Davis, Elaine Gan and Terike Haapoja contributed to the publication with an insightful essay on the “Unbearable Whiteness of Bioart”. It is indeed quite surprising that a community so intent on uncovering and denouncing ethical problems raised by biotechnology and science in general, a community that constantly questions our disconnect from other life forms seems to be unconcerned by the equally urgent issues of decolonialization and intersectionality.


The Tissue Culture & Art Project, Biomess, Exploded lab incubator with a custom-made bioreactor hosting living Hybridoma cells (detail from installation at the Art Gallery of Western Australia), 2018. Photo by Bo Wong

Oron Catts and Ionat Zurr from the Tissue, Culture & Art (TC&A) Project wrote a sharp and at times also humorous text that dissects artists’ role as fearless and pestering challengers of the theory, practice, application and implications of life sciences and biotechnologies. Another mission of artists, they believe, is to expand the narratives and directions in which knowledge can be applied.

Art As We Don’t Know It also introduced me to many (MANY) artworks i had never heard of. Here are some of them:

Paul Vanouse, Labor, 2019

Labor is an art installation that re-creates the scent of people exerting themselves under stressful conditions. There are, however, no people involved in making the smell – it is created by bacteria propagating in the three custom bioreactors at the center of the room. Each bioreactor incubates a unique species of human skin bacteria responsible for the primary scent of sweating bodies.


Antti Laitinen, Forest Square III, 2009

Antti Laitinen dissected a 10 x 10 meter piece of forest, sorted it into its different materials (soil, moss, wood, etc.) and then rebuilt this piece of forest and arranged the different components by colour.


Crystal Bennes, One Hundred Thousand Cities of the Sun, 2015


Archive photograph of graphite blocks arranged in the thermal column of a test reactor at the Idaho National Engineering Laboratory in 1951 (via)

One Hundred Thousand Cities of the Sun explores the idea of future cities developed around emerging nuclear technologies. One Hundred Thousand Cities of the Sun imagines what our cities might look like, how civic life could be transformed into cities with different kinds of work, infrastructure and community were it powered by nuclear energy.

A single, highly abstract, topological scale model of a City of the Sun has been constructed from dense, nuclear-grade graphite recovered from the thermal column of Finland’s first nuclear reactor. The sculptural model is joined by a series of text-based propositions, imagining alternative urban scenarios drawn from nuclear history past, present and possible future.

Teemu Lehmusruusu, Maatuu uinuu henkii (Respiration Field), 2019

Teemu Lehmusruusu‘s environmental installation is sensing and translating in sound and light the soil breathing and photosynthesis in summer at Kaisaniemi Botanic Garden.


Mari Keski-Korsu, Clear-cut Preservation, 2010-2017

Mari Keski-Korsu has been observing since 2010 an hectare of clear-cut forest in Eastern Finland where no forest management activities are allowed. A camera left on site is taking photos of this piece of forest in order to record what happens to a clear-cut without management.


Andy Gracie, Deep Data Prototypes 1, 2 + 3, 2016. Photo: Ars Electronica

The prototypes of the Deep Data series are experimental simulation devices in which space-faring terrestrial organisms are subjected to selected elements of the deep space environment.


Paula Humberg, Dispersal (Slot B2 at 0h 2018), 2018

Dispersal is a photographic series and bioart project that visualises the effects of pollinator decline and climate change.

The project was done at Zackenberg research station in Greenland. Only two bumblebee species live naturally in Greenland, and in the absence of bees, muscid flies are the main pollinators. Biologists estimate that populations of muscid flies has decreased by up to 80% over the past few decades. Climate change is considered to be the likely main cause. The effects of climate change are more marked in Arctic areas where climate is warming faster and the ecological communities are simpler and, thus, more vulnerable.


Christina Stadlbauer and Ulla Taipale, Feast of Pollen Gold, 2017. Photo by Antti Ahonen

Melliferopolis‘s Feast of Pollen Gold is a still-life composition made of fruits and vegetables that are insect or wind pollinated.


Margherita Pevere, Wombs, 2018–2019


Johanna Rotko, Living Images, yeastograms, 2014-ongoing (photo)

Previously: Field_Notes: From Landscape to Laboratory, also available as a PDF download.

from Finance https://we-make-money-not-art.com/art-as-we-dont-know-it/