I was fine with most of what you wrote but this: “Sadly, people who have decent ethics in life tend to not make much money because they don’t do the things they need to do to get there. Mostly because they think it’s all the evil man keeping them down. So they don’t progress and grow into somebody who can or wants that kind of responsibility. ” That one’s hard because I tried to be a good little American capitalist. I read all the “Working from home” books as a teenager in the 1980s at the start of the “electronic cottage” idea. Read everything on marketing, ran several businesses; first tried an import/export business in 1990 straight from china to the USA in my college dorm. Ran a computer tutor business for a few years – early 1990s, even had a storefront for a year. Twice started a “everything under one umbrella” kind of business – being an agent for others – once in New Jersey – “Our Local Guru” I called it; even nearly got it Trademarked – but never finalized it – but it’s on record that I almost did with the US Govt which is cool – and then in FL with Neighborhelp Referrals which I’m doing now, with only one client now – my brother, although I did a few businesses through it. Not to mention learning about real estate and working with it, working with the stock market and doing well – all a little over 20 years ago allowing me to be 20 years into a mortgage, running my own business, etc. And various businesses online, including a very successful run with a hyperlocal business referral site that netted $800/month for from 2007-2014 from ads. and neither “the evil man keeping them down” NOR “not wanting that level of responsibility” to do what needs to be done is a valid portrayal of reasoning for the decent ethics being unable to move forward. No. If you have decent ethics, it is hard to set prices beyond market value – and if market value is overvalued and you know it, yet you have to stay within market value rates, it is painful to do so. It’s not “evil man keeping down”: it is having a strong sense of Right vs Wrong. and being unable to act in ANY WAY EXCEPT in an ethical fashion. I could make millions. But it would not be me doing it. I can turn my empathy on and off in particular situations, but in some things I can’t. It’s not a “do what you have to do”; sometimes there are boundaries that one can’t cross no matter the training or desire.

 I was fine with most of what you wrote but this:
“Sadly, people who have decent ethics in life tend to not make much money because they don’t do the things they need to do to get there. Mostly because they think it’s all the evil man keeping them down. So they don’t progress and grow into somebody who can or wants that kind of responsibility. “
That one’s hard because I tried to be a good little American capitalist.
I read all the “Working from home” books as a teenager in the 1980s at the start of the “electronic cottage” idea. Read everything on marketing, ran several businesses; first tried an import/export business in 1990 straight from china to the USA in my college dorm.
Ran a computer tutor business for a few years – early 1990s, even had a storefront for a year.
Twice started a “everything under one umbrella” kind of business – being an agent for others – once in New Jersey – “Our Local Guru” I called it; even nearly got it Trademarked – but never finalized it – but it’s on record that I almost did with the US Govt which is cool – and then in FL with Neighborhelp Referrals which I’m doing now, with only one client now – my brother, although I did a few businesses through it.
Not to mention learning about real estate and working with it, working with the stock market and doing well – all a little over 20 years ago allowing me to be 20 years into a mortgage, running my own business, etc. And various businesses online, including a very successful run with a hyperlocal business referral site that netted $800/month for from 2007-2014 from ads.
and neither “the evil man keeping them down” NOR “not wanting that level of responsibility” to do what needs to be done is a valid portrayal of reasoning for the decent ethics being unable to move forward.
No. If you have decent ethics, it is hard to set prices beyond market value – and if market value is overvalued and you know it, yet you have to stay within market value rates, it is painful to do so.
It’s not “evil man keeping down”: it is having a strong sense of Right vs Wrong. and being unable to act in ANY WAY EXCEPT in an ethical fashion.
I could make millions. But it would not be me doing it. I can turn my empathy on and off in particular situations, but in some things I can’t. It’s not a “do what you have to do”; sometimes there are boundaries that one can’t cross no matter the training or desire.
 There’s a BIG pack of lies within every “how to grow rich” / “do what you love and the money will follow”/ school textbook teaching about the “great industrialists of America”; motivational gurus repeat the same stuff for decades, they teach it to kids…
..and damn, if I didn’t believe a lot of it and try to follow it. I was fine with the technical end of things; I was great with the customer service side of things; but if a value is set wrong, it’s set wrong – and there is no magical free market setting prices. It is the ethics of people setting the prices.
There are many overpriced industries; very few are underpriced. Certain things set prices more than others; real estate in the USA is HUGE huge huge huge, probably more than anything else; and it has the least controls set to it.
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