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You have some valid points. But they lack projection into the future. I am your future now.
Life is not made of an eternal present, as tax optimizators imply, lest you find yourself old and lonely/alone, whichever version you choose.
What I am arguing is that financial optimization is easy, building your life while doing it is not. All optimization schemes are played against an investment with zero ROI: time.
Unles your goal in life is to look at your bank balance sitting in your apartment lonely/alone watching Netflix (or the drinking buddies and Russian prostitutes variant), the bigger, more difficult challenge is to build an actual life around it. That's what I am trying to do here.
You aren't my future, you are my past.

You might believe getting married to a hottie is having a happy life together until you die, everything seems alright, and then one morning the wife of 9 years says she wants a divorce.
That life you built becomes just a memory, and you have to restart again. That's not an imaginary scenario, I lived through that.

But yeah, everyone must experience it himself, maybe I was unlucky (statistics say I wasn't the only one, that's why I attached that graphic). I wish you good luck and a happy journey.

The truth is: a man would sacrifice his own happiness for the happiness of his women. A women would sacrifice the happiness of her man for her own happiness.

If you need company, get some friends. If you need a women because you want a caretaker, cook, assistant or a female nymph, hiring a professional for each task is a better choice.
If you really want someone to love you unconditionally: get a dog.

Now I feel more happy than before, and that's not thanks to money, drugs, alcohol or pussy, but thanks to observing and understanding of my conditioning,
getting rid of attachments one by one: basically 'hacking' my mind and removing the malicious code.

The only thing that's permanent is change. The only thing that you can control is your emotions.

P.S. I don't say don't get a women / don't get married. But just let it happen, don't pressure yourself like that's the endgame and you'd lose if you don't find a partner soon. If she comes, she comes. Happiness is in yourself, not outside.
 
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You might believe getting married to a hottie is having a happy life together until you die, everything seems alright, and then one morning the wife of 9 years says she wants a divorce.
Or, in the other way around, you are the one who gets weary of this couple routine lifestyle regardless how perfect she is, and want to break free.

Now I feel more happy than before, and that's not thanks to money, drugs, alcohol or pussy, but thanks to observing and understanding of my conditioning,
getting rid of attachments one by one: basically 'hacking' my mind and removing the malicious code.
True freemen have no addiction.
 
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The gist of my thought is that no matter the stage of one’s personal development, we need a network of friends and a woman. Yes, we can have periods of reflection, but nobody survives on meditation alone in the medium and long run.

So, in the same way as we obtain financial independence while avoiding the financial traps set by Western governments with various financial hacks, we also need to find ways to obtain a network of friends and a woman, while avoiding divorce, divorce court, fake rape accusations, generally toxic friends/women, countries with incompatible cultures and so forth.

Moderate Muslim countries avoid much of that trouble. Of course no country is perfect, so that’s my quest, finding that acceptable balance.
 
Moderate Muslim countries avoid much of that trouble. Of course no country is perfect, so that’s my quest, finding that acceptable balance.
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