Finding the energy to do anything creative has been difficult over the last few weeks. Getting the house ready to sell has been more trying than I originally believed it would be. After a few weeks of caulking, sanding, painting, scrubbing, crying, and mopping we’ve had photos done, and the house is finally listed for sale on MLS. Just waiting on in-person viewings. We had one that wanted to view on our only no-visitors day, and were unavailable for literally any other day. It has only been a week but the worry machine inside my brain is in overdrive.
We’re not going to get any more views. No one will buy this house and it will become more and more of a money pit. Right now it is in good condition, but we can’t live like a magazine forever. When it doesn’t sell what if I can’t refinance to a low enough rate that the mortgage be more affordable? What happens if I can refinance and we’re just stuck again next year when property increases because I didn’t get the homestead exemption applied for in time, so our payments will just skyrocket again when the property tax inevitably increases exponentially again (100% over the last 5 years). I never have enough to cover the escrow difference. We’ll be destitute and on the streets in 4 months, tops. I must find new ways of creating income pronto.
This is, of course, absurd. I have a stable, full time job that pays stupidly well. I get all top reviews, there is no indication my job is in danger, but the trauma of past financial struggles still rears its ugly head. Every time something surprising happens – despite current stability – in the back of my head I believe it is a sign of something disastrous. I am fortunate enough to have a partner who understands this psychological issue and can help me through it when these anxiety attacks come on – which is often during the house selling process.
A lot of my attempts at a secondary source of income are prompted by this fear of losing everything. The older I get the more retirement stares me in the face. I don’t want to be obscenely wealthy, but I want to be comfortable and able to get the health care I will need in my sixties and beyond. Maybe travel a bit and enjoy my many, many hobbies. So when I am faced with this fear I industriously google and research and try to pin point how to get a secondary, low effort, source of income that is also ethical.
Unfortunately the old adage is true – the really is no ethical consumption under capitalism. There is no secret bullet. If you’re a landlord you’re depriving people of the ability to own a home, there are a million moral and ethical concerns about drop shipping – even when it’s your own art, the products are often produced in poor working conditions, not to mention the carbon footprint. Even content creators who have been lucky enough to become successful often are hocking products that – let’s face it – aren’t great. At best they waste your money, at worst they actually do harm.
So what do we do? I have money that automatically goes to a 401k every month. I never did it diligently enough in my 20s, so it isn’t a ton of money, but there is some comfort in it. I am far enough separated from the ethical and moral complications of stocks that it doesn’t feel like I’m doing harm – though I’m certain that if I looked deep enough the harm would become apparent.
For someone who was not raised with a religion I find an inordinate amount of my thoughts are consumed by ethics and morality. I’ve debated going back to school and pursuing a philosophy degree, especially now that I’m older and no longer give two fucks about some uncle telling me it’s a waste.
But then it comes back to the ethics and morality, and (thanks again Capitalism) the frugality. Information is luckily mostly free. Education is not, especially here in the good ol’ US of A. Can I really warrant another what? Twenty? Fifty? Hundred thousand dollars? For a degree I do not need, and society will not benefit from.
I have no ending for this. Just a jumble of thoughts to work out later.