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”
In languages such as English, the form or pronunciation of an article differs depending on whether the following noun begins with a consonant or a vowel. In other words, the change in the article that precedes the noun (e.g., ‘a’ or ‘an’) is influenced by the noun that follows it. There is a logical contradiction in that the article must be pronounced before the nouns to follow, yet it must already be determined and spoken even if the noun hasn’t been stated yet. This situation presents a challenge. A significant cognitive process occurs in an English-speaking person, where one must speak while simultaneously predicting the words that will come next. Learning a foreign language involves training your brain to make this process habitual, reducing the prediction time and requiring less cognitive effort. Ultimately, one must rely on patterns that are memorized through repetition. Thus, memorization and repetition serve as effective strategies to overcome these contradictory connections. -...