Being in debt means using up the future in the present. Essentially, it’s about how we manage our time. Therefore, the most valuable resource for debtors is time, and it depends on which side time favors. Paying off debt is like repaying borrowed future time early. When the ability to generate wealth over time decreases, the future time becomes a burden, and the debtor faces the pain of bankruptcy. Taking on debt is costly. It may seem like borrowed money is repaid with money, but the irreplaceable resource of time is also returned along with interest. With the rise of postpaid credit cards as a common payment method, we’ve become less sensitive to the associated pain and cost. There are two ways to spend money: using present time or future time. The costs and pain are much higher when the future is spent as if it were the present. - Joseph’s “just my thoughts”
Humans believe they are thinking, but they cannot artificially interfere with their thought processes. This means you cannot deliberately manipulate human consciousness. While memory can be artificially altered, thinking processes cannot. If it were possible, the individual might be a psychopath. Human consciousness is governed by the unconscious. So, if you want to solve an unresolved problem, don’t focus on it directly; instead, briefly use your consciousness, and then the unconscious will handle it. Over time, at the right moment, the unconscious offers a solution to the conscious mind. Inspiration occurs at this point. Therefore, don’t get too caught up in it. Also, give your brain a rest. That’s why sleeping and sometimes being dazed are so important for creative inspiration. - Joseph’s “just my thoughts”