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”
The universe we live in is empty mainly in terms of matter density. The protons and neutrons that constitute matter are called baryons , and approximately one proton exists in a space of 19.8 square meters. However, when the universe expands rapidly, the cosmic background radiation , known as a photon, is produced, resulting in two billion more photons in a grain of light. Since this light is a microwave , which has low energy and a long wavelength, it cannot be seen by the human eye. Therefore, humans, who only perceive visible light, consider the universe and the night sky to be dark. If there were aliens capable of seeing microwaves, the universe would be shining very brightly. The truth is that nothing has changed, but if the standards shift, it’s an entirely different story. - Joseph’s “just my thoughts”