Episode Transcript
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L-I-B-S-Y-N, ads.com. Welcome
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to Radical Personal Finances Show dedicated to providing you
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with the knowledge, skills, insight, and encouragement you need
0:27
to live a rich and meaningful life now while
0:29
building a plan for financial freedom in 10 years
0:31
or less. My name is Joshua Sheets, I'm your
0:34
host, and on today's podcast, I want to explore
0:36
some of the traits, characteristics,
0:38
and attributes that
0:40
a wise and thoughtful and
0:42
strategic young man or young
0:45
woman could and
0:47
should look for in a
0:49
prospective spouse that are
0:51
likely to be highly correlated
0:53
with long-term financial
0:56
productivity. In fact,
0:58
I think highly causative of
1:01
long-term financial productivity. One
1:03
of the things that's most interesting to me as
1:05
we look at personal finance and we look at
1:08
the world that we live
1:10
in is we all understand
1:12
that the person that you
1:14
choose to marry makes an
1:16
enormous difference in the quality
1:18
of your life as well
1:20
as objective long-term outcomes. How
1:22
long you live, how much wealth
1:24
you have, we know that's true. We
1:27
know that marriage is highly
1:29
correlated with positive financial outcomes.
1:31
Married people accumulate significantly
1:33
more wealth than non-married people, they
1:36
earn higher incomes. Basically
1:39
every factor across society
1:41
is higher for married
1:43
people and significantly higher.
1:46
This confounds even cohabitating
1:48
couples who are not married, they
1:50
are not nearly as productive at
1:52
creating and accumulating wealth as married
1:54
people. We understand that marriage
1:57
is going to dramatically impact the life of
1:59
the people. long-term outcomes that you
2:01
have in life. We
2:04
understand that those outcomes are
2:06
going to be financially measurable.
2:09
On the most recent podcast, I shared with you
2:11
some ideas on how to find and attract the
2:13
spouse of your dreams. In a moment, I'll tell
2:16
you exactly why. But there's
2:18
a piece of content or advice
2:20
that I myself have never come
2:22
across in the world of
2:26
personal finance and financial literature. That
2:29
line of thinking is simply,
2:32
what should you look for
2:34
in a potential spouse that
2:36
is likely to lead to
2:38
your becoming wealthy together as
2:41
a couple? It may exist
2:43
out there. I've not gone specifically looking
2:45
for it. What I'm saying is that
2:47
after a lifetime and a career of
2:49
consuming personal finance, literature, and discussions, I've
2:52
not come across anybody who's talked about
2:54
this. I want to
2:56
open the conversation up with some ideas on
2:58
this. To me, it seems obvious that we
3:00
should talk about this. I think I understand
3:02
why we don't. After
3:04
all, very few of us
3:07
are strategic in pursuing marriage.
3:10
It would be very unusual to have a
3:12
handsome, young 20-year-old guy who has a
3:15
list of all of the things that
3:17
if I just pursue these things and
3:20
if my potential marriage candidate, the
3:22
woman that I'm pursuing has
3:25
these factors, then I'm definitely going to marry her.
3:27
If she doesn't, I'm not. It's very
3:29
unusual for, first of all, any young
3:31
person to be strategic about marriage and
3:34
even more than usual for that person
3:36
to be strategic in financial terms. After
3:39
all, those of us with experience, we
3:41
would quickly rush to
3:44
diminish the importance of financial
3:46
productivity in favor of other
3:49
more compelling metrics of life
3:51
satisfaction, such as happiness and
3:53
contentment and peacefulness and other
3:55
things. After
3:58
all, we all recognize that it's a problem. better
4:00
to be happy and content and satisfied
4:02
with life and not financially wealthy than
4:05
to be financially wealthy and not happy
4:07
and content and satisfied with life. And
4:09
there is a train of debate and
4:11
discussion that happens on this simply
4:14
does earning
4:17
ability predict happiness and satisfaction.
4:20
Well I think that these
4:22
things are highly correlated and I
4:24
don't think you have to choose
4:26
one or the other. I think
4:28
that you can be rich and
4:30
be happy. It's not impossible and
4:33
so to say that would you choose to
4:35
be rich or to be happy is a
4:37
false dilemma. And similarly to
4:40
say would you choose a marriage that
4:42
is financially productive or that leads to
4:44
happiness and long term success in life
4:46
is a false dilemma. There's no reason
4:49
to pull these things apart. We can
4:52
recognize that both of them are
4:54
important and we can recognize it
4:56
while keeping priority. So it
4:58
would be similar to say is it
5:01
possible to be virtuous or
5:03
righteous and rich. It
5:06
would be silly to say that you couldn't accomplish
5:08
both of those things but each
5:10
man is going to have a different priority.
5:13
You will say I'm going to choose
5:15
to do the right thing regardless of whether it
5:18
cost me because I believe that it's more important
5:20
for me to be morally righteous than for me
5:22
to be rich. Another man would
5:24
say I'm going to prioritize being rich because
5:27
I'd rather be a rich
5:29
scoundrel than a righteous popper. So
5:32
similarly it's a false
5:34
choice to say that we can choose
5:36
between a marriage relationship that is likely
5:39
to lead to financial productivity or that's
5:41
likely to lead to happiness. Why not
5:43
have a marriage relationship that is optimized
5:45
for both of those things? We
5:48
can optimize and say that happiness is
5:50
more important to me than financial productivity
5:54
without saying that financial productivity is unimportant.
5:56
So if we're going to talk in
5:58
the context of finance. We
6:00
ought to at least start the conversation
6:02
and discuss what are the
6:04
factors that you should look for in
6:06
a high quality, high value potential spouse
6:09
that are likely to lead to the
6:13
long-term outcome. I think
6:15
we know intuitively what some of
6:17
those qualities are. It would
6:20
be very unusual to find a beautiful, smart,
6:23
attractive young woman who
6:25
is not attracted to a man
6:27
who has a high earning capacity.
6:30
That would be a normal thing
6:32
that happens in society that we
6:35
all naturally understand. But there's
6:37
a lot more to it than just, well, he makes a
6:39
lot of money. I think we
6:41
should talk about these factors and consider them and
6:44
consider what we should optimize for and
6:47
how we should go about it. I
6:50
understand that most people are not
6:53
strategic in pursuing a developing marriage.
6:56
I wasn't, most of us aren't. Most
6:58
of us kind of just end up in a
7:00
situation that we're in and sometimes we're happy
7:02
with us, sometimes we're not. But
7:04
just because people in the past
7:06
weren't strategic doesn't mean that no
7:09
one was strategic. And just
7:11
because perhaps many people were
7:13
not strategic in the past doesn't mean
7:15
that you shouldn't be strategic today or
7:18
that your children shouldn't be strategic. After
7:21
all, one of the great challenges that is
7:23
different in this year than perhaps some decades
7:25
back is that we formerly
7:27
had a strong marriage culture, at least
7:30
in the culture that I'm from, the
7:32
Western tradition from the United States of
7:34
America personally, but across broadly Western culture.
7:37
We formerly had a strong marriage
7:39
culture that made strategy
7:41
unnecessary for most people.
7:45
But that culture is gone. The
7:48
culture that we live in is not
7:50
facilitating marriage. Young people are
7:52
not connecting with one another. They're not
7:54
dating one another. They're not having sexual
7:57
relationships with one another and when they
7:59
are having sexual relationships and dating
8:01
one another, those relationships are not automatically
8:03
leading to marriage. The relationships that do
8:05
lead to marriage are not automatically leading
8:08
to children. So those of
8:10
us who are older have to roll up
8:12
our sleeves and get involved and try to
8:14
figure out what do we do differently. And
8:17
even if it's hopeless for, let's
8:19
say, a 30-year-old guy or gal
8:22
today, it's not hopeless for my children and
8:24
it's not hopeless for your children and it's
8:26
not hopeless for the 30-year-old guy or gal
8:28
today either. So just because our
8:30
culture is gone doesn't mean
8:32
that you and I can't
8:34
employ strategy in the face
8:36
of cultural opposition to get
8:38
the long-term outcomes that stable
8:41
marriages and productive marriages entail.
8:43
And what I'm trying to do in this
8:46
series is I'm trying to bring open the
8:48
discussion in your own mind so that you can think
8:50
about what you agree
8:52
with, what you appreciate, what you don't.
8:54
As always, take what's useful, discard the
8:56
rest, but I want you
8:58
to make you think about what you want
9:01
and what you envision. And I want you
9:03
to think long-term so that you have
9:05
strategic foundation for your decisions, not just being
9:07
ruled by your emotions. And I want you
9:09
to develop options. One of the reasons
9:12
I spent so much time in the previous
9:14
episode talking about a framework to develop your
9:16
own attractiveness basically is to
9:18
help you develop options. One reason very
9:20
few young men and women are
9:23
strategic in their,
9:25
in who they would
9:27
pursue for marriage is that most
9:29
people just don't have that many
9:31
options. It's very unusual
9:34
for a young man or woman to
9:36
be sitting back with five potential marriage
9:38
candidates and be strategically assessing.
9:40
Well, let's see, candidate number one
9:42
has a cumulative score of
9:45
87 points and candidate
9:47
number two is 84.3 points. What
9:49
kind of tiebreaker could I employ
9:51
between candidates one and two? That's
9:53
not how life works. Normally, you
9:55
just have an option That comes along at
9:57
a point in your life in which you're thinking about it. And
10:00
you're open to it. and boom, you
10:02
move forward. And I'm not opposed to
10:04
that. I think that's okay, but. For.
10:07
Young man or woman who has
10:09
options. Is that the best
10:11
way to go about it? Now we
10:14
could find this most effectively and literature
10:16
usually from the female perspective if we
10:18
go back and we read. Many.
10:20
Works of Literature and we find a very
10:23
attractive woman or in some cases a very
10:25
attractive man with an annual income of nineteen
10:27
thousand and a if we find it an
10:29
attractive man or woman. There. Will
10:31
be a variety of people who are
10:33
interested in that man or woman. and
10:35
of there's some love story that ensues
10:37
to where the person finds ultimately true
10:40
love. And so my point is to
10:42
articulate that because when I was a
10:44
teenager nobody spoke to me seriously. And
10:46
the way that I will speak to
10:48
my sons and. Son. Seriously and
10:50
say, listen, you need to maximize your attractiveness
10:53
and your value in all dimensions in order
10:55
for you to have the chance of attracting
10:57
a high quality spouse. Nobody did that and
10:59
so I just didn't I never thought about
11:01
it and it seems obvious to say it,
11:04
but I never thought about it. So if
11:06
I never thought about it, I figure that's
11:08
probably two or three other guys in the
11:10
world who haven't thought about two or three
11:12
other girls in the world haven't thought about
11:15
it's and it's days world. What I see
11:17
is that a lot of people aren't thinking
11:19
about it. Even in terms of
11:21
spousal attraction, there's an enormous conflict
11:24
happening among young people. today. It's
11:26
who are not married, were there
11:28
optimizing for sexual appeal and sexual
11:31
activity and relationships are that are
11:33
not leading to marriage rounds and
11:35
optimizing for marriage. And we see
11:38
clearly where that goes in the
11:40
toxic culture that it creates for
11:42
young men and women. And so
11:45
we have to find other strategies
11:47
to forgive me for a very
11:49
long. Intro But this really really
11:51
matters and I want to provide you
11:53
are one of these stimulate your thinking,
11:56
To think about if I want to be
11:58
rich and if I'm gonna get married then
12:00
what should I look for? The.
12:03
Spouse that you marry
12:05
will do three important
12:07
things: will have three
12:09
important impact on your
12:11
financial future. First, Your.
12:13
Spouse or selection will enormously
12:16
impact your immediate and long
12:18
term financial future. On the
12:20
positive side, meeting your income,
12:22
the money that you make,
12:24
the investments the you earned
12:26
the trajectory of your career,
12:30
Your. Spouse's selected to make a huge
12:32
difference on that's let's go through those
12:34
for just a moment. Obviously the most.
12:37
Glaring. Example as what income
12:39
does my spouse earned If you
12:42
are a young woman and you
12:44
marry a man who was earning
12:46
fifty thousand dollars a year and
12:49
doesn't have much potential but taught
12:51
beyond cost of living raises in
12:53
his life. As compared
12:56
to a man who is in a
12:58
highly paid career or on a highly
13:00
paid for career trajectory and as a
13:02
potential to earn five hundred thousand dollars
13:05
a year, there's going to be an
13:07
obvious difference in your long term wealth
13:09
based upon that selection between those potential
13:12
husbands. So. There's
13:14
that income is to his direct and clear.
13:16
But there's more important in terms of a
13:18
career trajectory for all of us. Let's say
13:21
that you're a young man and you're married
13:23
to a woman. Who.
13:27
Complements your career choice or a woman
13:29
who you're constantly fighting with in your
13:31
career Choice does can take many different
13:34
expressions are to take an expression in
13:36
terms of where you need to live
13:38
for your couple for both of your
13:41
incomes, How you need to approach it,
13:43
How much see once you to come
13:45
home from work early cause that's where
13:47
she is versus how much he supports
13:50
you working late, working on the weekends,
13:52
going for it, taking risks, living small
13:54
and frugally so that you can accumulate
13:57
investment capital. these things are
13:59
enormously impactful long-term and it's the relational
14:01
dynamics that make a big, big difference.
14:04
So enormously impact to your short and
14:06
long-term financial future on the positive side
14:09
is going to be determined based upon the
14:11
specific person that you marry. Now
14:13
we can flip it to the negative side. The
14:16
spouse that you marry is going to
14:18
enormously impact your long-term financial future on
14:20
the negative side. The big one is
14:22
risk of divorce. You may lose a
14:24
decade of financial productivity. If you marry
14:27
somebody, you're in it for a decade
14:29
and then there's a divorce and all of a
14:32
sudden your net worth is destroyed. You lose several
14:34
years of productive work that are now
14:37
spent fighting for in divorce court.
14:39
It's enormously disruptive, but also then
14:41
on the expense side, the expenses
14:43
that are associated with this particular
14:45
person that you marry are going
14:47
to be enormously impactful. And then
14:50
the third aspect is the really
14:52
long-term financial future of your descendants
14:54
in terms of genetics of your
14:56
children, the way that your children
14:58
are brought up, the culture that
15:00
your children have, they're enormously important.
15:03
And careful spousal selection is the magic
15:05
key to solving all three of these
15:07
things because none of these are random
15:10
factors that just happen to you. In
15:12
a moment or in the middle of this show, I
15:15
will relate to you some stories of a
15:17
marriage researcher and his story is
15:19
that he can predict divorce with 91% reliability,
15:22
whether a couple will stay married or whether
15:25
a couple will divorce. And it's just an
15:27
example to show that there are things that
15:29
you can look for in any situation to
15:31
know how likely you are to divorce. All
15:33
the signs are there as to is this
15:35
person that I'm likely to marry or that
15:37
I want to marry? Is this person likely
15:40
to be a dog walker or a doctor?
15:44
The signs are all there from an early age.
15:46
And so you're not wrong to look for these
15:48
things. Remember, I
15:50
think you can and should be
15:52
extremely picky prior to marriage. Once
15:55
you're married, then you're all in on marriage,
15:58
but you should be very picky prior to
16:00
marriage and you with this decision of
16:02
the person that you're going to marry, you
16:04
as in
16:07
no other decision, you deserve to
16:09
be entirely selfish about your decisions.
16:12
Now, why don't people do that? Well, they
16:14
don't think about it and they don't develop
16:16
themselves to be able to attract a very
16:18
high quality spouse and it's not surprising. Most
16:20
people who are unmarried, it's not surprising that
16:22
they're unmarried if you have a little bit
16:25
of experience in life and you just look
16:27
and understand, well, it's not, duh, of
16:29
course this person is not married. What does
16:31
he bring to the table? What does she bring to the table?
16:33
What is he doing? What is she doing with her time? Who
16:35
is she meeting? And as I
16:37
described in detail in the previous episode, it's
16:39
a function of what are you looking for?
16:42
Do you know that? Have you optimized your personal
16:44
traits of attractiveness so that you can attract the
16:46
people that you want to attract and repel the
16:48
people that you want to repel? And
16:51
then have you been invested into going
16:53
and finding the kinds of places where
16:55
people are that are likely to
16:57
be in a relationship with you? It's
16:59
not magic. It's
17:02
a math formula based upon what
17:05
you're looking for and it should
17:07
be relatively normal for an
17:10
attractive young man or an attractive young woman
17:12
to have a few options. And
17:15
that's not abnormal. Where
17:18
you see the proof, the evidence of this
17:20
most starkly in today's world is
17:23
just look at the options that a beautiful
17:25
woman or a very highly
17:27
developed, high value man has in the
17:29
dating marketplace. This young
17:31
man or woman has many options to choose
17:33
among. And it's
17:36
that balance between recognizing, okay, some
17:38
things are innate but not everything
17:40
is innate. And a young man
17:42
or woman can develop himself or
17:44
herself to be attractive to have
17:46
multiple options and that puts you
17:48
in a different situation. And
17:50
you should be very picky about
17:52
what you are looking for in
17:54
a prospective partner. And
17:56
when you marry, be all in on
17:58
marriage. So I'm trying. The help you
18:00
to think about what are what you'd have
18:03
options by engaging in sufficient levels of personal
18:05
development, developing your own attractive qualities that would
18:07
be attractive to your ideal spouse, and then
18:09
doing that young enough. See, you know it'll
18:11
have your back up against the wall. your
18:14
thirty years old now he of a sudden
18:16
you're gonna get serious about life will. That's
18:18
probably not the best time to do it.
18:20
You don't want to have your back up
18:22
against the wall, you want to really be
18:25
doing this early so that you have time
18:27
and you can patiently look and thinks beyond
18:29
just the short. Term, You know I feel good
18:31
when I'm with him or. Whatever. The
18:33
short term things are you need to
18:36
be com a person have vowed you
18:38
who brings something to the table so
18:40
that you can attract a high quality,
18:42
high value spouse and what should you
18:44
look for. Or I'd like to characterize
18:46
what you should look for into three
18:48
different categories because I think it's useful
18:50
for analysis and I'm not gonna give
18:53
you a comprehensive list that is one
18:55
stimulate your thinking said the you can
18:57
make your own list but I think
18:59
of we characterize these things on different
19:01
levels. Then. We'll
19:03
understand. Will
19:05
be able to develop in
19:07
the fullness of time. A
19:09
more comprehensive list some of
19:11
the traits that you should
19:14
look for in a potential
19:16
marriage partner. Our genetics. But
19:18
and and they're genuinely physically
19:20
genetic Traits: Some our long
19:22
term traits that are not
19:24
quite genetics, but that are
19:26
very, very. Enduring
19:28
in terms of their impact, the
19:31
kind of childhood that somebody had
19:33
is not necessarily a genetic trait
19:35
on the physical level, but yet
19:37
is has enduring influence who will
19:39
probably effect this person's view and
19:41
outlook on life for the rest
19:43
of his or her life. And
19:45
then some traits are relatively easily
19:48
changed, their skills that can be
19:50
attracted and developed. For example, let's
19:52
say that your initial response to
19:54
when I say what should you
19:56
look for in a spouse to.
19:58
Enhance your financial future. You might say some like
20:00
I want to marry someone who's good with money.
20:04
He. Takes great, but what does that
20:06
mean? Does that mean skill?
20:08
That budgeting? You wanna marry somebody who
20:10
skill That budgeting. I. Don't think
20:12
much of that because that's a skill that can be
20:14
learned and six weeks to six months is not that
20:17
hard to develop the skill, a budget and you can
20:19
be done with that in six weeks to six months.
20:21
Or do you mean by I want to marry someone
20:23
is good with money? I want to marry someone who
20:25
are into million dollars a year. Or.
20:28
Earning. A million dollars a year is
20:30
a skill that is usually gonna take
20:32
I would say at least a minimum
20:34
of a decade to develop idol. I
20:36
don't know anybody who's done in less
20:38
than two decades and off and much,
20:40
much longer. Much sometimes has multiple decades,
20:42
and there's so many underlying skills that
20:44
are necessary to earn a million dollars
20:46
a year. So which of those things.
20:49
Are. Do you mean when you say I want to marry
20:51
someone who's good with money? Again,
20:53
I would be happy if I'm family to
20:55
to somebody if I see if I clearly
20:58
recognize that earning a million dollars a year
21:00
is more important than being good at Mare
21:02
at budgeting forty thousand dollars a year than
21:04
I need to figure out. What's the environment?
21:06
What are the skill sets the put someone
21:08
on the tenure past the earning a million
21:10
dollars years. That's the key thing to optimize
21:12
for. The budgeting can be six pretty easily,
21:14
so we'll look at some some. Positive
21:17
traits to look for odds. One more
21:19
question I want to talk through. The
21:21
question is should this be a conversation
21:24
that is sex specific? Should this be
21:26
a conversation where I say husband's Here's
21:28
what you should look in: Why of
21:31
foreign potential wives And since wives his
21:33
what you should look for potential husbands
21:35
or should I use the inclusive term
21:37
of spouse? I'm not opposed to sexism.
21:40
Generally, I'm a man. I enjoy spending
21:42
my time with men. I don't really
21:44
spend time with women. I'm a five.
21:47
Woman: man of got a wife, I've got
21:49
a daughter, I've got a mother, and I've
21:51
got two sisters. That's about. Most.
21:53
Of the the women that I spend time
21:55
with in my life and I enjoy my
21:57
life that way and the the the audience.
22:00
Braddock personal finances predominantly male, but
22:02
I don't think that this is
22:04
a. I don't think that
22:06
this conversation is one where we should
22:08
automatically be sex specific. in our we
22:11
talk about and what we do and
22:13
and how we deal with things. I
22:15
think that it's It's hard. In our
22:17
current very androgynous age, it's hard to
22:20
determine where the line should be drawn,
22:22
but there are lines that need to
22:24
be drawn. And I think there's some.
22:26
Marriage strategies are the same for men
22:29
and women, and some are difference. In
22:31
addition, though, we need to go beyond
22:33
marriage and recognize that your. Strategy.
22:36
Will. Be different depending on whether
22:38
you're optimizing for marriage. Or.
22:41
Whether you're op devising, optimizing
22:43
for reproduction and long term
22:46
family vitality as in children
22:48
and grandchildren, Because. These
22:50
things are two different things. I'm going
22:52
to be talking about marriage, but in
22:55
the back of your my because that's
22:57
what I titled my show. But in
22:59
the back you might need to distinguish
23:01
between marriage and long term family formation.
23:03
And it's important that you understand that
23:05
there is a somewhat robust circle of
23:07
social views or science for social science.
23:09
But I don't know the the words
23:11
social science that we can look out.
23:14
We can look at some data, us
23:16
we can look at some studies, some
23:18
analysis of try to form some opinions.
23:20
That are informed by data and research.
23:22
In this area you probably don't need
23:24
the research which you probably need to
23:26
do is just simply can. Be.
23:29
Willing to confirm your your your
23:31
bias been to be willing to
23:34
confirm your natural knowledge of the
23:36
world because we've all seen foul
23:38
relationships naturally function in our life.
23:41
So let's talk about for example,
23:43
the a male doctor marrying vs
23:45
a female doctor. And with this
23:48
will introduce a couple of terms that are important.
23:50
Think about because the people so. First.
23:54
If. you both that's that you have an
23:56
equally qualified male doctor female doctor high
23:58
income earning high status perfect very huge
24:01
amounts of intelligence needed, huge amounts of grits,
24:03
some of the factors that are highly correlated
24:06
with positive financial
24:08
expectativity. So
24:10
we could see that a male
24:13
doctor can be attracted to and
24:15
happily marry a female doctor. This
24:18
happens all the time. A male doctor
24:20
can be attracted to and happily marry
24:22
a female doctor. The
24:25
male doctor can be attracted to
24:27
and happily marry a female school teacher.
24:31
But it's unlikely that a female
24:33
doctor, it's unlikely for
24:35
a female doctor to marry a
24:37
male school teacher. And it's
24:40
not just in terms of exposure. It's not
24:42
just in terms of, well, they didn't meet
24:44
each other because they were in different schools.
24:46
There is an element of that, but there's
24:48
something deeper related to it. The
24:50
first trend that we clearly see
24:52
across society is the trend of
24:54
homogamy. Homogamy is defined
24:56
in the social sciences as a marriage
24:58
between individuals who are
25:01
in some culturally important way
25:03
similar to each other. It's
25:06
a form of assortative mating. And
25:10
the marriage union can be based
25:12
on similarity of socioeconomic status, class,
25:15
gender, caste, ethnicity, or
25:17
religion, or age
25:20
in age homogamy. So these
25:22
are all expressions of homogamy. I'm reading directly
25:25
from the Wikipedia article on homogamy here. Now
25:28
we would contrast homogamy with
25:31
heterogamy. So homogamy similarities and
25:34
heterogamy differences from one another.
25:37
So in sociology, heterogamy refers to
25:39
a marriage between two individuals that
25:41
differ in a certain criterion,
25:44
including all of those that I just listed. Very
25:47
common expressions of heterogamy in today's
25:49
world would be age heterogamy. So
25:52
partners marrying at disparate ages, Ethnic
25:55
heterogamy, partners with different ethnicities,
25:57
marrying, and of course, social.
26:00
The and all of these things are.
26:02
Are. Relevant to it's the have was
26:04
that old movie the Business Man marries
26:06
a prostitute. The these kinds of things
26:08
are always the substance of literature and
26:11
and. The discussion. And. And
26:13
we love them. And so what you
26:15
see if you think about a maga
26:18
me and had raga Me as you
26:20
can see that were simultaneously attracted to
26:22
both of these things. There's a reason
26:24
that and again if you if you
26:26
don't have to send your life you
26:28
could find it literature. There's a reason
26:30
why people marry someone of our class
26:32
or of our culture or of our
26:34
religions as a reason. Also that we
26:36
simultaneously has Aids and an appreciation and
26:38
the fixation with the wealthy guy marrying
26:41
the poor girl, that the Princess Mary
26:43
and. The that cb the prince
26:45
marrying the servant girl, the
26:47
of business man marrying the
26:49
prostitute the of the people
26:51
of of romeo and juliet
26:53
from different families is all
26:55
this fascination with this. Ah
26:58
integration with people similar to
27:00
each other and different from
27:02
each other. And these are
27:04
important because some people. And
27:07
some factors are very important to
27:09
marriage. Some factors are less important
27:11
to marriage. Some factors are very
27:13
important to reproduction and some factors
27:15
are less important to reproduction. Now
27:17
we have our first our discussion
27:19
of hum Aga Me Now Similarly,
27:22
we can then moved to a
27:24
different term and the term is
27:26
hyper Gummy. I target me What
27:28
we would refer to a non
27:30
clinical terms as dating up or
27:32
marrying Ups is a term that
27:34
is used for a person who
27:36
dates. Or marries his spouse
27:38
have a higher social status
27:41
or sexual capital than that
27:43
individual person. And the Antonin
27:45
for hypertrophy would be I poke me
27:47
and these are the. The. Basic.
27:50
Balancing. Between them now. The. experience
27:52
that men and women have
27:55
so we're hyper gimme or
27:57
had poke me is different
28:00
I could demonstrate this to you by
28:02
just looking at popular cultures. What
28:04
is usually the case is that
28:07
men are not particularly concerned with
28:09
the social class or
28:13
the earning ability or some
28:16
external feature of
28:18
a woman that they're attracted to. Men
28:21
tend to not necessarily be
28:23
hypergamous. That doesn't mean
28:25
that they want to be
28:27
married to a woman who is very dissimilar
28:29
to them. That's why we
28:32
don't talk about hypogamy. Nobody really wants
28:34
to be married to somebody who is
28:36
dissimilar. What it means is that men
28:38
aren't generally pursuing somebody of a higher
28:40
class or status as
28:43
a very important part of their life. Again,
28:45
I would go back to pretty woman.
28:47
Here you have the wealthy successful businessman
28:49
who is attracted to the prostitute who
28:51
has made a series of
28:54
unfortunate decisions. At her
28:56
inner being, she has a heart of gold. Of
28:59
course, somehow she's going to make
29:01
him happy because of who she is.
29:04
He pursues her and attracts her
29:06
and marries her. That would be pretty
29:09
woman. What you don't
29:11
generally see is the opposite. You
29:13
don't generally see any, I couldn't
29:15
name any movies, where there's
29:17
an incredibly attractive, successful,
29:20
beautiful woman who then goes
29:23
and marries a male
29:25
dud with no prospects. When
29:27
you see this reflected in popular culture,
29:30
you wind up with movies that are
29:32
more like the movie The Proposal. In
29:36
The Proposal, you have Sandra Bullock
29:38
who is a high-powered editor and
29:40
high-powered business woman. All
29:42
of a sudden, she
29:45
finds out she's going to be kicked out of the United States
29:47
and be deported to Canada unless she has
29:49
a relationship. In
29:51
a fit of desperation, she goes after
29:53
her poorly paid assistant and says, actually,
29:56
you're going to be my fiancé. Basically, she
29:58
manipulates and coerces him. into
30:01
being her fiance. But
30:05
then of course in the long run, they
30:07
wind up madly in love and together, well
30:09
why? Well, what it turns out that her
30:12
fiancee, though he had a low paying job,
30:14
was actually from a wealthy elite family in
30:16
Alaska where they basically owned half of the
30:18
Alaskan town that they were
30:21
from. And he's actually a really high quality
30:23
guy. So even though the initial indications of
30:25
her status in life were
30:28
different, even though he was her
30:31
assistant and a lowly paid lackey,
30:33
in reality, he's actually this really
30:35
fabulous amazing guy and this temporary
30:38
and wealthy and sophisticated and accomplished, but then
30:40
this temporary low point in his life of
30:42
being an assistant was just part of a
30:44
strategic desire to find himself. And
30:47
so you can see this throughout our culture and
30:49
there's good data done on this. This
30:52
Fort Wayne Philharmonic season is bigger, bolder
30:54
and beyond. Join us on Saturday, March
30:57
23rd at our performance hall at
30:59
the PFW Music Center as we welcome
31:02
pianist and crooner extraordinaire, Tony Deser for
31:04
Sinatra and Beyond. Caleb Young conducts the
31:06
Fort Wayne Philharmonic as Mr. Deser brings
31:08
his infectious versions of Sinatra standards and
31:10
more. Come fly with us for a
31:12
Swing Through America songbook with two performances
31:15
on March 23rd. Sinatra
31:17
and Beyond with Tony Deser. For
31:19
tickets, go to fwphil.org. There's
31:22
been various studies and the social studies
31:24
that across people, across culture, men
31:27
and women approach relationships differently
31:29
and they look for different
31:31
things. And so there is
31:33
an element of specificity that
31:35
is necessary because the competitive
31:37
strategies for men are different
31:39
than the competitive strategies for
31:41
women. Women can
31:43
optimize for features such as
31:45
high income, high status,
31:47
high power, but
31:50
they're less important than optimizing for
31:52
other features because men are looking for different things
31:54
in wives and wives are looking for husbands. And
31:57
So some of the big problems that we face though.
32:00
The in our current society is
32:02
that's the traditional. Ways.
32:04
In which these were. Facilitated.
32:08
For unstructured for some of them
32:10
are working better than ever designed
32:12
and some of them are working
32:14
worse than ever designed. So hum
32:16
Aga Me as an example. Right
32:18
now, in our current culture, we
32:20
have more and more homogenous relationships
32:22
than ever before, and the Hum
32:24
Aga me though is primarily related
32:26
to intellectual ability and which A
32:28
for which we can use education
32:30
as the proxy. I. First started
32:32
thinking about this very a decade ago
32:35
when I read Charles Murray his book
32:37
called coming Apart and I was why
32:39
first met that the word for maga.
32:41
Me and what we see is simply
32:44
that our society, the whole thesis is
32:46
coming apart which I think is continuing
32:48
as best I can tell is simply
32:50
that the rich getting richer and the
32:53
poor getting poorer. But it's not just
32:55
in financial terms is basically in every
32:57
terms our societies are becoming more and
32:59
more intensely segregated. Not based upon skin
33:02
color, Necessarily not based upon wealth
33:04
necessarily, but based upon all
33:06
of the features related to
33:08
it. And a big one
33:10
is intelligence. And in terms
33:12
of relationships, intelligence is an
33:14
enormous at is an enormous
33:16
elements of. Of.
33:21
The. Long term future of our society as
33:23
well as your own children will be
33:25
read out a short passage from my
33:27
copy of. Coming. Apart before
33:29
the age, the into this is from
33:31
a section titled the Increase in Cop
33:34
Cognitive Her Maga Me: Before the Age
33:36
of Mobility People commonly married someone from
33:38
the same town or from the same
33:40
neighborhood of an urban area. The events
33:43
and through people together seldom had anything
33:45
to do specifically with cognitive ability. Similar
33:47
cognitive ability was a source of compatibility
33:50
between a young man and a young
33:52
woman, and some degree of cognitive. Her
33:54
Maga Me existed, but it was a
33:56
haphazard process. Meanwhile, educational, Her Maga. me
33:58
was high because hardly anyone went to college.
34:01
In large proportions of married couples, both had
34:04
less than a high school education or both
34:06
had a high school diploma. As
34:08
the proportion of college graduates increased,
34:10
so did the possibilities for greater
34:12
educational homogamy at the top. As
34:15
college graduates found, they had more
34:17
potential marriage partners who were also
34:19
college graduates. Drawing on
34:21
the extensive technical literature and
34:23
the CPS, sociologists Christine Schwartz
34:26
and Robert Marr
34:28
examined trends in
34:30
assortative marriage as it was known
34:32
in the jargon from 1940
34:34
to 2003. They found that
34:36
homogamy has increased at both ends of
34:38
the educational scale. College graduates grew more
34:40
likely to marry college graduates and high
34:42
school dropouts grew more likely to marry
34:44
other high school dropouts. For
34:47
our purposes, trying to understand how the new upper
34:49
class came to be, the effects
34:51
of increased educational attainment may be seen
34:53
in a simple measure. In 1960,
34:55
just 3% of American couples both had
34:58
a college degree. By 2010, that proportion stood at 25%.
35:00
The change was so large that it
35:05
was a major contributor to the creation of a
35:07
new class all by itself. But
35:11
increased educational homogamy had another consequence
35:13
that the academic literature on homogamy
35:15
avoids mentioning. Increased educational
35:18
homogamy inevitably means increased
35:20
cognitive homogamy. A
35:23
college education starting with admission and continuing
35:25
through to graduation is a series of
35:27
cognitive tests. To be able
35:29
even to begin a major in engineering
35:31
or the hard sciences, students have to
35:33
be able to do advanced calculus and
35:35
that in turn requires logical mathematical ability
35:37
and roughly the top decile of the
35:39
population. To be able
35:42
to cope with genuine college level material in
35:44
the social sciences and humanities requires good linguistic
35:46
ability and the top quartile of the distribution
35:48
if you're content with scraping by closer to
35:51
the top decile if you want to get
35:53
good grades in a moderately demanding college. To
35:55
graduate means passing all these tests plus a
35:57
general test for perseverance. We'll call that grit.
36:00
We'll come back to grit later. The
36:02
result is that each level of educational
36:05
attainment, high school diploma, AA, BA, MA
36:07
and professional degree or PhD, implies a
36:09
mean IQ for people attaining that level
36:12
that has been remarkably stable among whites
36:15
at least since the beginning of the 1980s. I
36:18
must limit the numbers to whites as I
36:20
present these data because aggressive affirmative action has
36:22
produced means for African Americans and Latinos at
36:24
each level of educational attainment that are substantially
36:26
lower and more variable than the white means.
36:29
Since we are talking about the new upper
36:32
class, there are good reasons to think in
36:34
terms of the white means partly because African
36:36
Americans and Latinos who enter the new upper
36:38
class have passed a number of career tests
36:41
signifying that they approximate the white means on
36:43
cognitive ability for each level of educational attainment
36:46
and partly because the new upper class is
36:48
still overwhelmingly white. Table 2.1
36:50
shows the evidence for these stable means. Let
36:52
me just read you table 2.1. I'll
36:55
use the 1982 to 1989 data. The
36:59
mean IQ for the table is titled
37:01
mean white IQ for levels of degree
37:04
attainment in the NLSY 79 and NLSY
37:06
97. The
37:09
mean IQ for persons completing no more than
37:11
no degree is 88. For
37:14
persons completing no more than a high school diploma or
37:16
GED is 99. For
37:18
persons completing no more than an associate's degree is 105.
37:22
Bachelor's degree 113 IQ. Master's
37:24
degree 117. PhD,
37:27
LLD, MD, DDS is 126.
37:31
Now we'll come back to the transmission of cognitive ability
37:33
to the next generation in a moment. The
37:36
point, however, is that our society
37:38
is sorting itself on
37:40
many, many features and these features
37:43
are important and this homogamy that
37:45
even though there is a tendency
37:47
to say, oh,
37:52
we don't mind, we don't care about
37:54
being the same. After all, we don't
37:56
care about ethnic differences among couples. We
37:59
don't care necessarily. about age disparities, you
38:01
do you, you like who you like, etc.
38:04
There's this intense homogamy that is
38:06
happening in our society
38:08
based upon the way that our
38:10
society is now sorted and structured
38:12
by educational institutions, careers, things like
38:14
that. Then that's mixed
38:16
with the natural
38:18
hypergamy or lack of hypergamy between
38:21
men and women that is creating
38:23
enormous pressure on young people and
38:25
their mate selection. These
38:29
features and attributes need to be
38:31
thought through, need to be understood if we're going
38:33
to give people good advice. Let's
38:35
get to the advice. What should you look
38:37
for? Let's begin at the genetic level. Let's
38:40
begin with those traits that you
38:42
should look for in a potential
38:44
partner that are going to impact
38:46
your life, your wealth production, and
38:49
your children. Let's
38:51
start with those ones that are largely
38:54
unalterable, which is what I'm calling the genetic
38:56
traits. The first one that you need to
38:58
look for is good health and longevity. Let
39:01
me repeat for the 15th time. You're
39:06
listening to me in the
39:08
comfort of your own ears. That
39:12
means, generally speaking, you're
39:14
consuming my podcast in a private space. Don't
39:19
let anyone shame
39:21
you and say
39:23
that somehow you shouldn't be looking for
39:25
the highest quality spouse that
39:27
you can attract. I'm
39:31
saying this to you because I never would have believed
39:33
it if I'd heard this advice when
39:36
I was younger. I would have seen
39:38
myself as some kind of white knight to say, oh no,
39:40
I shouldn't have high standards
39:42
of the person that I want to
39:44
marry. I shouldn't have
39:47
requirements and even basic fundamental genetic
39:49
requirements. I should accept all people
39:51
the way that they are. The
39:54
problem with that is that real life happens. When
39:57
Real life happens, you start to
39:59
understand. That these basic
40:01
features and characteristics that the partner
40:03
that you marry has enormously impact
40:06
your life And so it sounds
40:08
enormously specced selfish for me to
40:10
say to a young unmarried men
40:13
are young unmarried woman. You
40:15
should look for a potential
40:18
marriage partner who has robust
40:20
health. After all, all
40:22
of us have friends who do not enjoy
40:24
robust health. All of us know people who
40:26
don't enjoy robust health at. All of us
40:28
want desperately to help those people we want
40:30
to dump. We want our friends who are
40:32
unhealthy to get healthy. We don't want to
40:34
express the the concept that I'm just gonna
40:36
not pick you because you're unhealthy. We would
40:38
never say that out loud. You don't have
40:40
to say it out loud. That's why the
40:42
fact that you're listening to me in the
40:44
comfort of your ears, in the privacy of
40:46
your own mind. you know, ever have to
40:48
say any of this stuff to anybody out
40:50
loud. Nobody can judge. You for. The
40:53
decisions you make although you'll feel the pressure
40:55
A We live in a world in which
40:57
were you can't judge me for whether I
40:59
marry a man or a woman, You can't
41:01
judge me for the plan A person and
41:03
I'm attracted to are not attracted to, but
41:05
yet you are facing enormous judgment if you
41:07
say I'm only going to marry somebody who
41:10
is healthy and yet when I'm telling you
41:12
is that these things. If you're
41:14
young, they matter and. Eat
41:17
This is a cumulative set of
41:19
factors. These are cumulative set of
41:21
factors that. You. Will
41:24
have to choose but for
41:26
every factor that you. What?
41:29
I'll call compromise on what I mean.
41:31
As for every factor that are scale
41:33
of one to ten you choose somebody
41:36
who scores low on this factor of
41:38
it's going to impact your life enormously.
41:40
If you marry somebody who is healthy
41:43
then the ease of your marriage the
41:45
ease of your finances are likely to
41:47
be enormous. The have someone has a
41:49
strong immune system. They're not susceptible to
41:52
chronic diseases that got good overall physical
41:54
fitness, Just everything's easy and and and
41:56
and a simple in that element of
41:58
your married. Life. On the other
42:01
hand, you marry someone who's sick all
42:03
the time and now the the on.
42:05
Does. The pressure that puts upon
42:07
your marriage is significant. If
42:09
you marry someone, you make a
42:12
vow. To. Be with them. In.
42:14
Sicker sickness and in hell for
42:16
better or worse for enrich for
42:19
richer for poorer. So. Once
42:21
you are married to someone of you
42:23
come to me and you say hey
42:25
Joshua, You know my husband or wife
42:27
has sick all the time. What do
42:29
I do? I'm going to be standing
42:31
in front of you saying you absolutely
42:33
have to support this person. This is
42:35
your wife, This is your husband that
42:37
we're dealing with you. Oh this person.
42:39
a duty of care And though that
42:41
duty of care bankruptcy you because you
42:43
are paying for medical care though you
42:45
can't work because you're a full time
42:47
caregiver or whatever the situation as I'm
42:49
gonna honor you for your faithfulness. To
42:51
your husband or wife in their
42:54
time of sickness. But.
42:56
Prior to marriage, you have
42:58
a choice, and it is
43:01
smart for you to be
43:03
as discriminating as you possibly
43:05
can with your choices. Prior
43:07
to marriage, Or flip
43:09
of. this is simply the fact
43:11
that there is a limit to
43:13
the kind of person that you
43:15
are going to be able to
43:17
attract into a marriage relationship with
43:20
you. If you are A To,
43:22
you're gonna have a very difficult
43:24
time attracting a ten into a
43:26
relationship with you. So if health
43:28
is a component of what you
43:30
would rate someone on then and
43:32
you're A to, you're probably gonna
43:34
be marrying a one a To
43:36
or A for. You're. Not going
43:38
to be marrying a ten so
43:40
you have a choice either. I'm
43:42
willing to transform myself from a
43:44
to to a ten and do
43:47
everything I can he other factors
43:49
that I can control in order
43:51
to attract a very high quality
43:53
spouse, or I'm gonna settle for
43:55
somebody who is closer to my
43:57
age settling. Is. Not a
43:59
negative. That everyone settles at some point
44:01
in time. For some reason people who don't
44:03
settle our single for the rest of their
44:05
life. but you'd there's a lot you can
44:07
do to prepare yourself. That's why spent so
44:09
much energy in the previous episode. A try
44:11
to make this point that you can change
44:14
yourself. You could go from a to to
44:16
a seven and then you'll have access to
44:18
people who are a good match for you.
44:20
And so you want to change those things
44:22
that you can change. You may be able
44:24
to change your health, but even if you
44:26
can't change your health, there's a lot of
44:28
other things that you can change. And what
44:30
you'll see as the people who don't
44:32
have robust health is they'll give ten
44:34
attention and focus to developing their other
44:37
qualities. They can still attract a very,
44:39
very high quality protect prospective spouse. You
44:41
see this all the time with people
44:43
who are profoundly handicapped and yet to
44:45
have attracted a very high quality spouse
44:47
because they've. Developed other
44:50
qualities so. Or
44:52
not a sorry so long but I
44:54
I I just I think of myself.
44:57
At a younger age when I
44:59
make my podcasts and I would
45:01
have been in my own mind.
45:04
A guy who was willing to be a
45:06
white knight. I would have been a guy
45:08
who was. Willing. To say
45:10
oh well, here's this wonderful girl on. after
45:12
all, if I marry her, I could help
45:14
her rights. And in
45:16
hindsight, with. The
45:20
perspective of. More.
45:22
Than a decade of marriage and
45:24
five children and everything that that
45:26
involves. While I'm still young enough
45:28
to remember being that guy, I
45:30
look at it now on. I
45:32
realize no one ever told me
45:34
how important it was to be
45:36
entirely selfish with my selection of
45:38
a. Spouse and I Oh,
45:41
and I owe a good amount
45:43
of the success and happiness of
45:45
my marriage to me having some
45:47
filters that were cultural filters built
45:49
in as well as just to.
45:54
God's. Providence. his
45:56
blessings on my life i wasn't a strategic
45:58
as i could have been of probably should
46:00
have been. But once you're in it, you're in
46:02
it. So you deserve to be selfish in your
46:04
thinking and write down exactly what you want, but
46:07
then you also have to develop and cultivate the
46:09
traits and attributes that are going to be able
46:11
to attract someone. So forgive
46:13
the lengthy
46:16
side bar there, but it's really important
46:18
that young people understand you
46:21
can be selfish and you should be selfish about
46:23
this as much as anything else. You should be
46:25
selfish about working in the kind of career that
46:27
you want to work in, about marrying the kind
46:29
of person that you want to marry. You should
46:31
be selfish about these things, but you
46:34
can't be selfish in a non-deserving
46:37
way. You can't say, well, I deserve
46:39
to be a doctor and not be
46:41
willing to put in the really, really
46:43
long years of work to develop yourself
46:46
and the really long road to build the skills
46:48
and pass the exams and pass the classes and
46:50
get the degrees. If you want to be a
46:52
doctor, go for it, but you prove
46:55
that you deserve being a doctor with your work.
46:57
Similarly, you can't say, well, I just want to
46:59
marry a 10 and I'm a
47:02
2, but I just deserve a 10. Okay. Well,
47:04
if you're going to deserve a 10, you're going
47:06
to have to transform yourself from a 2 to
47:08
a 7, and you're going to have to work
47:10
really, really hard to market yourself effectively until you
47:13
convince the 10 to be with you. And
47:16
that's going to take you some time and a whole lot of
47:18
work. So I hope
47:20
that's helpful. Back to the list.
47:22
What are the genetic traits that we should be
47:24
screening for? Well, big one is
47:26
good health and separately longevity, which is related
47:29
to health but not determinant of
47:31
it. You want to look for
47:33
a partner with a robust genetic
47:35
predisposition to good health, and
47:38
you should assess that
47:41
and look for something that
47:43
is likely to screen
47:46
for somebody who is healthy. If
47:49
your partner is healthy, then
47:52
he or she is going to be able to
47:54
enjoy a more active
47:57
lifestyle with you. You're going to have
47:59
lower healthcare. costs, you're going to be
48:01
able to earn more money because you can
48:03
work consistently. If you
48:05
ever get sick, you have understood,
48:08
especially if you're sick for more than a few days, you
48:10
understand how impossible it is to be
48:12
financially productive when you're sick all the
48:14
time. A huge portion of our
48:16
ability to earn money just comes from just
48:18
the natural attribute of feeling good, feeling strong,
48:20
being able to go to work and be
48:22
effective on a day-to-day basis. And
48:25
when somebody gets sick, mentally sick, physically
48:27
sick, everything falls apart. And
48:29
a lot of that stuff is predetermined by genetics.
48:31
And so you want to screen for that. How
48:34
do you screen for health? Well, I think first
48:36
you should screen for what you know about, just
48:38
knowledge of health conditions.
48:41
If you are, let's say, getting to know somebody
48:43
and that person, you find out
48:45
that person has some significant illness or chronic
48:47
disease, then you should take that into account.
48:50
And that might be something that you
48:52
say, okay, this is not
48:54
for me because of this chronic disease. You
48:56
should trust your own basic instincts related
48:59
to health as well. I
49:01
think that one thing that
49:03
Dr. Catherine Shanahan, the author of the
49:05
book Deep Nutrition Convinced Me Of,
49:08
is that various aspects of what
49:10
we call beauty can
49:13
be considered as markers for
49:16
health. Beauty, which
49:18
is often related to symmetry,
49:21
has a strong genetic
49:23
component related to it.
49:26
And if you're interested in that discussion,
49:28
read Dr. Catherine Shanahan's book called Deep
49:30
Nutrition, where she discusses it extensively. She
49:33
may have published other things on it. That's just where I
49:36
came up with it. But in general,
49:39
we are attracted to various markers of
49:41
beauty as being related to someone who
49:43
is healthy. For example, let's
49:46
say that somebody has a highly
49:48
symmetrical face and body. You're
49:51
likely to say, hey, that
49:54
person is really beautiful because of the symmetry
49:56
of his or her face and his or
49:58
her body. really beautiful.
50:00
That's related however that.
50:04
Let's say that somebody has beautiful skin. Open
50:06
up any advertisement for a skin care product and
50:09
you'll see a model with beautiful skin. Beautiful
50:11
skin, clear skin, skin that
50:14
is not encumbered by acne
50:17
or other issues and
50:21
I don't even know what words to say
50:23
because I'm not knowledgeable enough. But clear and
50:25
beautiful skin, healthy complexion, these are markers of
50:27
good health. If you see a sick person,
50:29
if you see somebody that has boils or
50:31
a rash or pustules of
50:34
some kind or acne or
50:36
white skin or a wand
50:38
complexion or greasiness or
50:41
sliminess or something like that, these are
50:43
expressions of sickness. This is the way
50:45
that sick people look. The beauty of
50:47
someone's skin is related to health and
50:50
most of it has to come
50:52
from inside. If someone is
50:54
constantly covering up, women are
50:56
prone to this, someone is constantly covering up her
50:58
skin, make sure you get a chance to see
51:01
your skin au naturale rather than constantly cover it
51:03
with beauty products that may be concealing some expression
51:06
of sickness. If you are, let's say you're
51:08
dealing with a sick and ailing actor or
51:12
public person, maybe someone has been sick, a
51:14
politician is sick and you've got to go
51:16
on television to show
51:19
how strong
51:22
and competent he is, he's going to be spending a lot
51:24
of time in front of the makeup artist before being put
51:26
on TV. Makeup can be used
51:28
to hide things and you should be filtering
51:31
and saying, is this person physically beautiful? Have
51:33
physical attraction. Similarly,
51:35
the way that somebody moves is an
51:38
indication of health. Somebody who
51:40
is athletic, athleticism is
51:42
related and correlated to health and
51:46
balanced movement, strong muscles, strong
51:48
bones, functional joints, coordination. Athletes,
51:53
generally are athletes because they're healthy
51:55
and so you can screen for
51:57
health based upon athleticism. and
52:01
expression of athleticism. Back
52:04
to family history, you
52:06
should also think about
52:08
the longevity that somebody has
52:10
related to family history. I
52:13
always came from a long-lived parents
52:15
and that wasn't until I was older, I started
52:17
doing financial counseling and I had clients
52:19
who told me they didn't expect to live past 60. And
52:23
I never understood it because all my ancestors died
52:25
at 100 or at least in mid to late
52:27
90s. So the idea in my
52:29
mind is always, okay, I'm gonna live to 100, it's
52:31
just how old we are. And I met people and
52:34
I understood, wait a second, this
52:37
person, this was
52:39
not me saying somehow, well, you're
52:41
gonna die soon. This is an
52:43
unbidden, unprompted expression
52:46
to a man's financial planner that,
52:48
yeah, I'm probably not gonna live past
52:50
60 because in my family, we all
52:53
die in our 50s and 60s. Think
52:55
about the difference in wealth and
52:58
expectations of life, of marrying somebody
53:01
whose family history would indicate that
53:03
this person is unlikely to live
53:05
past 60 as compared
53:07
to someone who's likely to live to 100. Think
53:10
about the extra 20 or 30 decades of earning that
53:14
perhaps a man who's likely to live to 100 has or
53:16
for somebody who's likely to live to 50. Think
53:19
about your position as a wife who
53:22
is marrying this man and
53:24
think about him saying, oh, I'm not gonna live past 60,
53:26
so I'm gonna retire at 45 and
53:29
I'm gonna start spending money because after all, I wanna spend
53:31
money. And he's gonna die at 60 and you
53:33
might be a woman coming in likely to
53:35
die at 90, statistically speaking, when
53:37
you're gonna live a lot longer than men. So how
53:40
do you plan for that financially as compared to
53:42
a husband who expects to die at 100 and
53:45
he's gonna work and earn income until he's, say, 80
53:48
and then he's gonna retire for 10 or 15, 20 years and
53:52
just the amount of money earned in a
53:54
lifetime is enormous and also the long-term thinking
53:57
that someone can have when he or she
53:59
is invested. say, an extra decade of his life
54:01
at an early age, to have a high earning
54:03
ability knowing that he has plenty of time to
54:05
earn it out. Think about
54:07
your wife dying at 50 years
54:10
old, and now all of a sudden what do you do
54:12
as a man? Are you going to
54:14
go and marry someone else? Are you going to be single
54:16
for the rest of your life? That's really hard as compared
54:18
to growing old with the wife of your youth and not
54:20
having to worry about that and think about that. So
54:23
longevity of family history is something to think
54:25
about and understand what it is. And
54:28
to both of these though, we shouldn't just focus on
54:30
what is inherited because things that
54:33
are inherited can be overcome. So
54:35
think about the propensity that your
54:37
proposed marriage candidate has to correct
54:39
health weaknesses. All right, well
54:42
my parents all died of heart attacks, but is this
54:44
the kind of guy who is likely to say, well
54:46
my parents all died of heart attacks so I'm just
54:48
going to never see a cardiologist,
54:51
or is this the kind of guy who says my parents
54:53
all died of heart attacks so I'm going to be seeing
54:55
a cardiologist every six months? You understand
54:57
the point that just because you may have
54:59
gotten a bad genetic inheritance
55:02
from your family
55:04
doesn't mean that you're stuck with
55:06
that bad genetic inheritance for life.
55:08
Is this person someone who is
55:10
eating differently, exercising differently to develop
55:12
an athletic ability to develop these
55:14
things? This is a person who's
55:17
interested in topics that are related
55:19
to health and longevity. No
55:22
individual factor that I'm talking
55:24
about should be seen as
55:26
necessarily disqualifying. There are
55:28
only a few factors that I would say
55:30
if one of my children came to me
55:32
and said, hey dad, I'm considering this person
55:34
as a husband or a wife, what
55:37
do you think? There are only a few basic
55:39
factors that I would say absolutely not. On
55:42
the other hand, most of these are
55:44
kind of a mushy, gooey, let's think
55:46
about this and let's analyze, all right,
55:48
here's a negative factor. The
55:51
positive factor, this is highly correlated to success,
55:53
this is highly correlated to failure. Let's
55:56
dig into these factors on a deeper level in
55:59
order to... understand how to respond to them.
56:02
And then each for each factor, you
56:04
look for the response. So okay, well
56:06
this girl, you know, she's
56:08
not the most beautiful, and
56:11
the reason for her beauty is ABC, but
56:14
you know what, she's adapted to that,
56:16
and she's figured out how to dress
56:19
in a way that really enhances her
56:21
beauty, and she has really dialed in
56:23
on a lifestyle that leads to this
56:25
being her incredibly
56:27
robust health. And man, she's
56:30
more, she's healthier than anyone I know,
56:32
even if she's not the
56:34
most beautiful. And that kind
56:36
of girl would probably be much more attractive
56:38
than the girl who's just quote unquote naturally
56:40
beautiful, never worked for it, never
56:43
tried for it, just automatically received it,
56:45
but yet shows no interest in maintaining
56:47
her health, stuffing her face with bad
56:49
food all the time, not
56:52
enhancing what basic characteristics she has, because
56:54
we know that in 20 years, the
56:57
direction that that girl is on is gonna be very
57:00
different than the direction that the girl who
57:02
didn't have the natural advantages
57:04
and had to work to develop
57:07
her advantages. And so we're
57:09
looking to see, does this person have a
57:11
propensity to correct health weaknesses? Does
57:13
this person have an interest in topics related to
57:16
health and longevity? But you need to screen for
57:18
health, because health is a big, big deal. Similarly,
57:21
big genetic trait to look for is going
57:23
to be intelligence. I think you need to
57:25
seek a spouse who has
57:28
a strong basis for
57:30
intelligence, a strong genetic basis
57:33
for intelligence, and with
57:35
someone with whom you share a
57:37
similar level of intelligence.
57:40
I have a hard time being, with
57:43
the idea even, of being married
57:46
to somebody who is not my
57:48
equal in terms of intelligence and
57:50
intellectual ability. That
57:52
would be very
57:55
unfulfilling. And
57:57
I think that people dramatically underestimate
57:59
this. Now, I don't
58:01
know how to solve basically the long-term
58:03
cultural problem of homogamy in terms of
58:06
separation among our classes. I don't know
58:08
how to solve that. All
58:10
I know is that when you're going into marriage,
58:12
you want to be with somebody who is your
58:14
intellectual equal. You want to be with somebody that
58:17
you respect. You don't want to marry somebody who
58:20
is dumb and can't understand you. This
58:23
is highly correlated with earning
58:27
potential, long-term career
58:29
prospects, the ability to
58:31
engage in wise financial decision
58:33
making. It's highly correlated
58:35
with all
58:38
of these things and with
58:40
just long-term success. If
58:43
you are an intelligent man or
58:45
intelligent woman, you should be
58:47
looking to marry an intelligent man or an
58:49
intelligent woman. That will
58:52
make everything easier. I
58:55
have a hard time knowing
58:57
how I don't interact very
59:00
much with people of low intelligence.
59:04
Most of our societies result
59:07
in the fact that most of us
59:09
don't interact with people of differing intelligence
59:11
from us. Because we
59:14
kind of get funneled into schools, we get funneled
59:16
into colleges, we get funneled into jobs and professions
59:18
that are good equal for us. Unless
59:21
you have a business or the kind
59:23
of profession that enables you to interact
59:25
with people of differing
59:27
intellectual ability, you just
59:29
spend your time with people who are like you. We
59:31
all do. People who can understand what
59:34
you have to talk about because after all, one
59:36
of the basics of good human
59:38
relationships is that you enjoy spending time with people who
59:40
like to talk about the kind of things you like
59:42
to talk about. I
59:44
just didn't ever go out of my
59:46
way. I never spent much time with people who
59:48
were not very smart. As
59:51
I got older, I realized this accounts for
59:53
a lot of the frustration that you have.
59:55
You try to explain something and I generally
59:57
expect that if someone's going to ask you
1:00:00
explain something to me, I get one
1:00:02
time and I better understand it and
1:00:04
I take the same thing
1:00:06
out of the way. If I'm going to take my
1:00:08
time to explain something to you, I'm going to explain
1:00:10
it one time and you need to get it. Well,
1:00:12
people who are not very smart don't
1:00:14
generally function that way. They need
1:00:16
something to be explained
1:00:18
multiple times. That's enormously frustrating for
1:00:20
me and it wasn't, I
1:00:23
don't know when it was, but I just,
1:00:25
my eyes were open a number of years
1:00:27
ago and I realized, wait a second, Joshua.
1:00:29
Sometimes you're judging people for character deficiencies and
1:00:32
in reality, that's an entirely wrong judgment. Just
1:00:35
understand that not all people have
1:00:37
the same basic ability and
1:00:39
we need to respect that and understand that.
1:00:42
And what happens is that we do a
1:00:45
pretty decent job of this from the
1:00:47
physical perspective. If we see someone
1:00:49
is old or infirm or
1:00:53
handicapped in some physical way, then we automatically adapt
1:00:55
and adjust to that person. I'm going to walk
1:00:57
a little slower, I'm going to offer you my
1:01:00
arm, I'm going to do something to adapt. And
1:01:02
we do it with
1:01:04
proper respect. We don't look down on
1:01:06
somebody because this person has a differing
1:01:08
physical capacity than I do. We don't
1:01:11
look down on them, we just naturally
1:01:13
adapt to one another. And it's going
1:01:16
to result in, our
1:01:19
lives are going to result
1:01:21
in segregation in some contexts.
1:01:24
If somebody is physically handicapped sitting in a
1:01:26
wheelchair, then he's going to be sitting on
1:01:28
the side of the sports field while those
1:01:30
who are not physically handicapped are playing on
1:01:33
the sports field. But that doesn't mean that
1:01:35
there's not a place for that person in
1:01:37
society. We're going to respect
1:01:39
and appreciate that person, we're going to celebrate
1:01:41
him for what he can do, for the
1:01:43
things that he can contribute. One
1:01:45
of the great problems that we're facing in our society
1:01:47
though is we don't know how to do
1:01:50
that with intellectual ability. We're sorting
1:01:52
people And segregating people based upon
1:01:54
intellectual ability, but we don't know how to
1:01:56
identify it, we don't know how to talk
1:01:58
about it, we don't know. How to
1:02:00
esteemed people for the ontological value
1:02:02
that is not based upon intelligence
1:02:05
while simultaneously segregating people first for
1:02:07
intelligence? I don't have any solution
1:02:09
to. That's all I know is
1:02:11
it's is. It matters. So how
1:02:13
do you screen for intelligence? Well,
1:02:15
I think academic ability. Is.
1:02:17
The most obvious useful scream that
1:02:20
we have for that academic ability
1:02:22
and academic achievement as a useful
1:02:24
proxy for I Q C, one
1:02:26
understand what kind of grades is
1:02:28
the person, what kind of grades
1:02:30
to some the you're interested in
1:02:33
marrying get when they were young,
1:02:35
and how far does this person's
1:02:37
academic education go now. If.
1:02:39
The result of educational attainment is
1:02:42
high. Let's say that you are
1:02:44
highly educated. You have a master's
1:02:46
degree, a Phd, a college degree
1:02:48
of some kind, then almost certainly
1:02:50
you're going to be attracted to
1:02:52
people who are also highly educated.
1:02:54
If you are younger and let's
1:02:57
say you're twenty years old and
1:02:59
you are, and you are, ah,
1:03:01
as trying to assess somebody. You
1:03:03
can't assess somebody based upon whether
1:03:05
or not this person has a
1:03:07
a a Phd. Obviously, twenty years.
1:03:09
Old so then you your filter
1:03:12
is going to be based upon
1:03:14
greats. What kind of grades does
1:03:17
somebody gets when. when young.
1:03:20
People. Who do well in school are
1:03:22
likely to do well in school
1:03:24
and. Doing well
1:03:26
in school is a useful and
1:03:29
productive proxy that other people can
1:03:31
use to measure of intelligence. The
1:03:33
The The The the components of
1:03:35
intelligence that relate to academic ability.
1:03:38
At least I Q is not
1:03:40
the only important component of intelligence,
1:03:42
and if you dig into the
1:03:44
I Q debates, you can see
1:03:47
that's it seems like a useful
1:03:49
metric that. he
1:03:51
is able to be measured but not a
1:03:53
complete metrics and so hopefully in a decade
1:03:55
or a couple decades will know how to
1:03:58
deal with that but for now You
1:04:00
should be generally attracted to somebody who gets
1:04:02
grades kind of like you do and
1:04:05
does well in school and that
1:04:07
should be a component of That
1:04:10
you use to filter prospective
1:04:12
marriage candidates by now
1:04:14
in a moment. I'm going to talk about the heritability
1:04:16
of intelligence one
1:04:18
of the Challenges though is we need
1:04:21
to be careful. I think
1:04:23
that your basic filter here should be The
1:04:26
great how well does somebody do in
1:04:28
school the filter should not
1:04:31
necessarily be how many advanced
1:04:33
degrees? Does a person have
1:04:36
because there may be a negative
1:04:38
effect to somebody having a lot of
1:04:40
advanced degrees? Remember earlier I tried
1:04:42
to make the distinction. I want to put in
1:04:44
your mind. There's a difference between marrying well and reproducing
1:04:47
and Marrying
1:04:51
well, you could have two academics,
1:04:53
right? P8 to
1:04:55
2 PhD holders that come together
1:04:57
and they both have just this
1:04:59
passionate academic career and He
1:05:02
studies the advanced I
1:05:05
don't know cosmology and she studies
1:05:07
advanced biological science and they can
1:05:10
have the happiest most fulfilling marriage
1:05:12
in the history of mankind Statistically
1:05:17
they probably aren't going to reproduce very well They're
1:05:19
probably not going to have children if they do
1:05:21
have children. They're probably not going to have many
1:05:23
children There's going to
1:05:25
be some challenge here and the challenge
1:05:27
is that in our
1:05:30
current relatively antenatal age higher
1:05:33
levels of educational Achievement
1:05:36
don't always correlate to having
1:05:38
more children Because
1:05:40
of the investment into attaining
1:05:42
higher levels of achievement This
1:05:45
is different for men and for women,
1:05:47
but I think educational achievement and income
1:05:49
need to be measured What
1:05:52
we know is men who earn
1:05:54
higher incomes the higher a man's
1:05:56
income goes the more children He
1:05:58
tends To have. Women:
1:06:00
Who earn higher income? the higher
1:06:03
her income goes, the fewer children
1:06:05
she tends to have. That's not
1:06:07
true when it's related to well.
1:06:09
So as I understand the data,
1:06:12
women who are wealthy or who
1:06:14
earn income informs other than wages,
1:06:16
they tend to have more children
1:06:18
or but it's women who earn
1:06:20
a lot of money, don't tend
1:06:23
to have I in in wages,
1:06:25
don't tend to have very many
1:06:27
children. This can be a real
1:06:29
challenge. Imagine. That you are a man
1:06:32
and you're trying to filter for a
1:06:34
woman and you want to have a
1:06:36
happy marriage or of where you have
1:06:38
good compatibility between you and you also
1:06:40
want to have five children. Statistically,
1:06:45
If you marry a woman who is
1:06:47
very invested into her academic career and
1:06:49
she's pursuing a Phd and she's gonna
1:06:51
go and get a job she's not
1:06:54
gonna have many children. Quite
1:06:56
simply, she's gonna run at a
1:06:58
time to have children. So unless
1:07:00
she is developing some kind of
1:07:02
creative. As it is, sorry
1:07:05
she didn't run out of time to
1:07:07
have children as he probably is gonna
1:07:09
be so devoted to her career. the
1:07:12
she's just not that interested in having
1:07:14
children. So unless we could figure out
1:07:16
how to develop a new model for
1:07:18
young women that allows them to maximize
1:07:21
their educational accomplishments and career prospects while
1:07:23
also allowing them to have children when
1:07:25
they are young and have their. Children.
1:07:28
Sit around their career, then. we
1:07:30
need to be really careful here
1:07:32
at of what you're actually filtering
1:07:34
for because you marry a girl
1:07:36
because he's got a Phd and
1:07:39
a great career or that's wonderful.
1:07:41
Says probably going to be phenomenally
1:07:43
intelligent, hard working, have enormous amounts
1:07:45
of grit perseverance. Those are great
1:07:47
traits that you would love your
1:07:49
children to inherit. and
1:07:51
you're probably not going to have
1:07:53
many children so if we can
1:07:55
filter in figure out how to
1:07:57
help her to have children and
1:07:59
acts those traits in the future, that's
1:08:02
one of the things that we need to filter for. So
1:08:06
let's talk about transmission. Your
1:08:08
proxy, especially if you're a man, can't
1:08:11
just be educational attainment. It
1:08:14
has to be something prior
1:08:16
to that, which is going to be grades, and
1:08:18
I'm just going to say educational potential. Let's
1:08:21
talk just for a moment about the
1:08:23
transmission of intelligence to the next generation.
1:08:25
Back to coming apart by Charles
1:08:28
Murray from his
1:08:30
section on homogamy. This section
1:08:32
is entitled, Transmission of Cognitive Abilities to the Next
1:08:34
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resorts and casinos. Nothing else
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comes close. Another
1:09:06
consequence of increased educational and cognitive
1:09:08
homogamy is the increased tenacity of
1:09:11
the elite in maintaining its status
1:09:13
across generations. The adage,
1:09:15
shirt sleeves to shirt sleeves in
1:09:17
three generations, grew out of an
1:09:19
observed reality. If the children
1:09:21
and grandchildren are only average in their own
1:09:24
abilities, money from a Fortune 1 in the
1:09:26
first generation won't keep them at the top
1:09:28
of the heap. When the
1:09:30
parents are passing cognitive ability along with
1:09:32
the money, the staying power of the
1:09:35
elite across generations increases.
1:09:38
Specific numbers can be attached to such statements.
1:09:41
The stability of the average IQs for
1:09:43
different levels of educational attainment over time
1:09:45
means that we can predict the average
1:09:47
IQs of children of parents with different
1:09:49
combinations of education. And we
1:09:51
can also predict where the next generation of the smartest
1:09:53
children is going to come from. On
1:09:56
average, children are neither as smart nor as
1:09:58
dumb as their parents. They are closer
1:10:00
to the middle. This tendency is
1:10:03
called regression to the mean. It
1:10:05
exists independently of genes. Regression
1:10:07
to the mean is a function of
1:10:09
the empirically observed statistical relationships between the
1:10:12
tested IQs of parents and children. Given
1:10:15
the parameters in a previous note, the
1:10:17
expected value of the IQ of a
1:10:19
grown-up offspring is 40% toward the population
1:10:21
mean from the parents' midpoint IQ. Suppose
1:10:24
we have four white couples with the same level
1:10:26
of education. Plugging in the average IQs for those
1:10:29
levels of education as given in a previous
1:10:31
table, I add a fifth couple who
1:10:33
both have degrees from elite colleges with a midpoint
1:10:35
IQ of Here
1:10:38
is what we can expect as mean IQs of the
1:10:40
children of these couples. We
1:10:42
have the parents' educations and the expected IQ
1:10:44
of the child. If the
1:10:46
parents' educational level is that they are two
1:10:48
high school dropouts, the expected IQ of the
1:10:50
child is 94. If
1:10:53
parents' education is two high school diplomas, the
1:10:56
expected IQ of the child is 101. If
1:11:00
parents have two college degrees and no more, the
1:11:02
expected IQ of the child is 109. If
1:11:05
the parents' education is two graduate degrees, the expected
1:11:07
IQ of the child is 116. And
1:11:11
then if the parents' IQ education
1:11:13
is two degrees from
1:11:15
an elite college, the expected IQ of the child
1:11:18
is 121. These
1:11:21
represent important differences in the resources that members
1:11:24
of the next generation take to the preservation
1:11:26
of their legacy. Consider
1:11:28
first a college graduate who marries a high
1:11:30
school graduate, each with the average cognitive ability
1:11:32
for their educational level, 113 and 99 respectively.
1:11:36
Their expected midpoint IQ is 106. Suppose
1:11:40
they built a small business, been highly successful, and
1:11:42
leave $5 million to their son. If
1:11:45
their son has the expected IQ of a little less than 105,
1:11:47
he will have only about a 50% chance
1:11:50
of completing college, even assuming that he tries to
1:11:53
go to college. Maybe he
1:11:55
inherited extraordinary energy and determination from his
1:11:57
parents, which would help, but those qualities
1:11:59
regressive. to the mean as well. Shirt
1:12:02
sleeves to shirt sleeves in three-generation is a
1:12:04
likely scenario for the progeny of that successful
1:12:06
example. Compare that situation with
1:12:08
the one facing the son of two parents
1:12:10
who both graduated from elite schools. If
1:12:13
he has exactly the expected IQ of 121, he has more
1:12:15
than an 80% chance of getting a
1:12:18
degree if he goes to college. These
1:12:20
percentages are not a matter of statistical theory. They
1:12:22
are based on the empirical experience of both the
1:12:25
1979 and 1997 cohorts of the National Longitudinal
1:12:29
Survey of Youth. If
1:12:32
you had an IQ of 105 or one
1:12:34
of 121 and entered college, those are the
1:12:36
probabilities that you ever got a degree. In
1:12:39
addition to those differing chances of graduation, our
1:12:41
qualitative difference is between young people with IQs
1:12:43
of 105 and 121. First,
1:12:47
the reasons that someone with an IQ
1:12:49
of 105 doesn't finish college probably includes
1:12:52
serious academic difficulties with the work, whereas
1:12:54
the reasons a person with an IQ
1:12:56
of 121 doesn't
1:12:58
finish college almost certainly involve
1:13:00
motivation or self-discipline. No
1:13:02
one with an IQ of 121 has to drop
1:13:05
out of college because he can't pass the courses.
1:13:07
Second, there is a qualitative difference in
1:13:09
the range of occupations open to those
1:13:12
two young persons. The one
1:13:14
with an accurately measured IQ of 105
1:13:17
cannot expect to be successful in
1:13:19
any of the prestigious professions that are
1:13:21
screened for IQ by their educational requirements,
1:13:24
for example, medicine, law, engineering, and
1:13:26
academia. It is unlikely
1:13:28
that he can even complete those educational requirements.
1:13:31
Someone with an accurately measured IQ of
1:13:33
121 can succeed in any of them
1:13:35
if his mathematical and verbal talents are both
1:13:38
strong or succeed in the ones geared to
1:13:40
his talents if there is an imbalance between
1:13:42
mathematical and verbal ability. Now,
1:13:44
think in terms of an entire cohort
1:13:47
of children. Where
1:13:49
will the next generation of children with exceptional
1:13:51
cognitive ability come from? For
1:13:53
purposes of illustration, let's say that
1:13:55
exceptionally high cognitive ability means the
1:13:57
top five centiles of the next
1:13:59
generation of white children. More
1:14:01
than a quarter of their parents may be expected to have
1:14:03
a midpoint IQ of more than 125. Another
1:14:07
quarter may be expected to have midpoint parental IQ
1:14:09
of 117 to 125. The
1:14:12
third quarter may be expected to have midpoint parental IQ of
1:14:14
108 to 117. That
1:14:17
leaves one quarter who will be the children of
1:14:20
parents with midpoint parental IQ of less than 108.
1:14:23
Only about 14% of that top five
1:14:25
centiles of children are expected to come,
1:14:27
on the entire bottom half of the
1:14:30
distribution of white parents. Therein
1:14:32
lies the explanation for that startling
1:14:34
statistic I reported earlier about SAT
1:14:37
scores. In 2010, 87% of the students with
1:14:41
700 plus scores in critical reading or
1:14:43
mathematics had a parent with a college
1:14:45
degree, and 57% had
1:14:48
a parent with a graduate degree. Those
1:14:50
percentages could have been predicted pretty closely
1:14:52
just by knowing the facts about the
1:14:54
IQs associated with different educational levels and
1:14:57
the correlation between parental and child IQ.
1:15:00
They could have been predicted without making any
1:15:02
theoretical assumptions about the roles of nature and
1:15:04
nurture in transmitting cognitive ability and
1:15:07
without knowing anything about the family incomes
1:15:09
of those SAT test takers, how many
1:15:11
test preparation courses their children took, whether
1:15:13
they went to private schools or how
1:15:15
ingenious the educational toys in the household
1:15:17
were when they were toddlers. In
1:15:20
an age when the majority of
1:15:22
parents in the top five centiles
1:15:24
of cognitive ability worked as farmers,
1:15:26
shopkeepers, blue collar workers, and housewives,
1:15:28
a situation that necessarily prevailed a
1:15:31
century ago given the occupational and
1:15:33
educational distributions during the early 1900s,
1:15:36
these relationships between the cognitive ability
1:15:38
of parents and children had no
1:15:40
ominous implications. Today, when the
1:15:42
exceptionally qualified have been so efficiently drawn into
1:15:44
the ranks of the upper middle class and
1:15:47
where they are so often married to people with the
1:15:49
same ability and background, they do. In
1:15:52
fact, the implications are even more ominous than
1:15:54
I just described because none of the numbers
1:15:56
I used to illustrate the transmission of cognitive
1:15:58
ability to the next generation. Incorporated
1:16:00
the effects of the increased educational
1:16:02
homogamy of recent decades. In
1:16:05
any case, the bottom line is not subject
1:16:07
to refutation. Highly disproportionate numbers
1:16:09
of exceptionally able children in the next
1:16:11
generation will come from parents in the
1:16:14
upper middle class, and more specifically from
1:16:16
parents who are already part of the
1:16:18
broad elite. I
1:16:20
want you to understand that intelligence
1:16:23
is inherited. And
1:16:25
so you want to marry the
1:16:27
most intelligent person that you can. And
1:16:30
there's a strong, because you want your children
1:16:32
to be smart, because intelligence makes everything easier
1:16:34
in life. And you want
1:16:36
your children to be, and so
1:16:41
you want to marry the most intelligent person that you're
1:16:43
able to. And if you want your
1:16:45
wealth to continue through the generations, and
1:16:48
you want to break that shirt sleeve to
1:16:50
shirt sleeves problem, you clearly see that you
1:16:52
need to account for intelligence. And so you
1:16:54
want to marry the kind of person who
1:16:57
is intelligent, as best you're able to
1:17:00
attract. And so here's
1:17:03
my message, loud and clear. Let me pause for
1:17:05
just a moment so you listen. Men,
1:17:11
your future wife who
1:17:14
is intelligent is almost
1:17:16
certainly going to be enrolled in
1:17:19
college. Right
1:17:21
now we have an enormous social
1:17:23
problem brewing. It's already here. The
1:17:26
big, there's many problems.
1:17:28
I don't know how to solve, by the way, I don't
1:17:31
know how to solve the social issues just described in what
1:17:33
I have read. All I know is that
1:17:35
for you as an individual, if you want to
1:17:37
be wealthy, you want to marry a wealthy,
1:17:39
excuse me, if you want to be wealthy, you want
1:17:41
to marry an intelligent spouse, and
1:17:43
you want your children to be intelligent. I don't
1:17:45
know how to solve the social mixing problem. We'll figure
1:17:47
out some solutions to it. I don't have any today.
1:17:50
What I know is that you need to marry somebody
1:17:52
who is smart. But men, right
1:17:55
now, girls
1:17:57
and women are going to college at a rate that's
1:17:59
$1.5 billion. that is, I think it's like
1:18:01
two-thirds female and one-third male.
1:18:06
There is a strong movement
1:18:08
of men to go away
1:18:10
from college. Some
1:18:12
of these reasons are valid.
1:18:15
Some of these reasons are less valid. College
1:18:19
probably has been broadly oversold
1:18:21
to many people. The
1:18:25
financial impact of college has resulted in more
1:18:27
people going to college than should go to
1:18:29
college. I
1:18:32
don't know how to solve all these issues, but
1:18:36
men are facing, and men and young
1:18:38
women, this is a problem, sorry, it's both, men and
1:18:40
women are facing enormous problems. A lot
1:18:42
of men right now are
1:18:44
bitter about how many women have
1:18:47
been funneled into the college pipeline.
1:18:50
Women are handed constant
1:18:52
and never-ending encouragement in
1:18:54
our society that men
1:18:56
never receive. And the
1:18:59
underperformance of men in the current age is
1:19:01
something that we've gotta take seriously if we're
1:19:03
going to save our civilization. Women
1:19:07
receive constant affirmation and
1:19:09
men receive almost
1:19:12
constant confrontation. The
1:19:15
school environment, starting in elementary school,
1:19:17
is mostly toxic to men. It's
1:19:22
very highly favored in favor of
1:19:24
women. Everything in
1:19:26
our society is structured around you
1:19:29
go girl, you go girl, and
1:19:31
almost all of it is anti-male.
1:19:34
As the father of four sons, I pay a lot
1:19:36
of attention to this. I
1:19:39
don't know how to solve all of those things,
1:19:41
and I don't wanna necessarily go down
1:19:43
the rabbit trail of trying to figure out today
1:19:45
what's right and what's wrong. Maybe
1:19:48
everything was wrong with our
1:19:50
previous civilization. Maybe our
1:19:53
previous civilization was just cruel
1:19:55
to women and froze
1:19:57
them out of everything and imposed enormous ceilings
1:19:59
on them. them maybe. But
1:20:02
in the wake of feminism, we've
1:20:04
become very anti-male and our boys
1:20:07
are failing to thrive. One
1:20:09
expression of that is that many of them
1:20:11
are not going to college. And
1:20:14
so maybe it was a bad
1:20:16
thing that 80% – that 100% of
1:20:18
previous college attendees were men and then it was 80%.
1:20:21
Maybe that was a bad thing and it
1:20:24
had to be corrected. But what we're currently
1:20:26
seeing in the current data is that 50%
1:20:28
isn't working. So now it's gone lopsided in
1:20:30
the other direction. And what is happening as
1:20:32
a result of this? Well,
1:20:34
women are generally desiring to have
1:20:36
a relationship with men who
1:20:39
are their equal or superior. Women
1:20:42
tend to be more hypergamous than men are.
1:20:44
They want to marry a man who is
1:20:46
in a better station in life than they
1:20:48
are – someone who's more successful, more sophisticated,
1:20:51
more intelligent, more accomplished. Whereas men don't have
1:20:53
the same preference. Men want to marry a
1:20:55
woman who makes them feel good, who gives
1:20:57
them peace in their life, who complements them,
1:21:00
gives skills and things like that. Men don't
1:21:02
go around wanting to marry women who are
1:21:04
their superiors and who are better than them
1:21:06
on some metric. It causes men to
1:21:08
be frustrated and feel frustrated
1:21:11
with their lives. So what
1:21:14
is happening though is that so many
1:21:16
women now are not able to find
1:21:18
what they perceive to be high-quality marriage
1:21:21
candidates. And so they're all competing desperately
1:21:23
for this tiny cohort of college-age men.
1:21:26
Most of them are having polygynous
1:21:28
relationships with men, whether they know
1:21:30
it or not. If you look
1:21:32
at the data, it's clearly polygynous
1:21:34
relationships and in many cases they
1:21:36
know it. And the
1:21:40
extent of this is that they're not marrying. And so
1:21:42
then those men that are in college are
1:21:44
often – I don't
1:21:46
want to go beyond what I can prove from the data. So
1:21:49
I just – rather than saying anymore,
1:21:51
it's a real problem. So
1:21:54
for men, just recognize though that
1:21:56
in this basically birth-to-college pipeline that
1:21:59
most – girls grow up in.
1:22:02
If you are going to marry an intelligent woman,
1:22:05
it's almost unthinkable to see why
1:22:07
she wouldn't have a college degree
1:22:09
or be enrolled in college. Our
1:22:12
culture is pushing, pushing, pushing
1:22:15
girls and young women to college at enormous
1:22:17
rates. It supports them left, right,
1:22:19
and center. It encourages them that you
1:22:21
have to do this. You have to
1:22:23
do this. It pours money into them,
1:22:25
pours all kinds of special advantageous programs
1:22:28
for them. And so
1:22:30
as a man, there's a decent chance that
1:22:32
if you're a young man, you're pretty annoyed
1:22:34
about that because you didn't get
1:22:36
any of that. Nobody pushed you in that direction. You
1:22:39
didn't get any of the money. You didn't get any
1:22:41
of the support. You didn't get any of the extra
1:22:43
tutoring. Whatever. Suck it up. Life's
1:22:45
not fair. The point is that if
1:22:47
you're going to marry an intelligent woman, she's almost
1:22:49
certainly going to be in college. In
1:22:52
order for her not to be in
1:22:54
college or not to have a college
1:22:56
degree of some kind, she would have
1:22:58
to be incredibly iconoclastic, incredibly
1:23:02
anti-trend, etc. And that's just not
1:23:04
a normal female trait. It's
1:23:07
believable to
1:23:09
think that a very highly educated, highly
1:23:11
qualified, intelligent woman could find a man
1:23:13
who just was so smart that he
1:23:16
saw the stupidity of the college sorting
1:23:18
mechanism. And he went out and he
1:23:20
started, he's a high school dropout, but
1:23:22
he started five businesses and he's got
1:23:25
ten million dollars in net worth by
1:23:27
the time he's 21 years
1:23:29
old and she could pick him, target
1:23:31
him, attract him, seduce him, marry him,
1:23:34
boom. That's entirely believable because
1:23:36
we know that happens significantly. There
1:23:38
are a lot of men who
1:23:41
do that. Men are much more
1:23:43
likely to be that kind of
1:23:45
anti-authoritarian kind of guy. It
1:23:48
doesn't work the other way. And so if
1:23:50
you're a man and you're looking for a
1:23:53
wife, almost certainly the best place to be
1:23:55
looking is on a college
1:23:57
campus. If you are remotely close in age,
1:24:00
to the kinds of women that you would find in
1:24:02
a college campus. And I
1:24:05
find this discussion incredibly funny and
1:24:07
ironic. I believe that what
1:24:10
I've described, though I have used more words than
1:24:12
I would like, is absolutely
1:24:14
logically true. But
1:24:16
I find it ironic because years ago, not
1:24:18
only would I have made fun of, when
1:24:21
I was in college, I would have made fun of the
1:24:23
idea that a useful reason to go to college is to
1:24:25
find a wife or a husband.
1:24:27
We all made fun of it because it was the
1:24:29
MRS degree. And so men made
1:24:31
fun of women for going to college to
1:24:33
meet a husband. I never make
1:24:36
fun of anyone today who has a strategy to
1:24:38
land a husband or a wife. I never make
1:24:40
fun of them because I've seen how those
1:24:42
girls who have a strategy to land a
1:24:44
husband, they get married and I wish them all the
1:24:47
best. So I don't make fun of anybody today for
1:24:49
having a strategy to attract a
1:24:51
high quality spouse. What I find
1:24:53
ironic and funny is that I
1:24:57
now think that the tables have turned, that
1:24:59
the women who go to college are gonna
1:25:01
have a hard time finding a husband in
1:25:04
many cases. And that
1:25:06
now going to college is going
1:25:09
to be a reliable, a
1:25:12
good reason for going to college is
1:25:15
to find a great wife. And
1:25:18
that going to college is going to
1:25:20
be a more reliable way for a
1:25:22
motivated young man who wants a wife
1:25:24
to find and attract and find filter
1:25:26
and attract her than
1:25:29
many other types
1:25:32
of strategies. And so I've counseled
1:25:34
this repeatedly to young men who are of college age.
1:25:37
If you are intelligent, for most
1:25:39
intelligent people, academics are pretty easy.
1:25:42
The only reason academics are not easy is because you get
1:25:44
tired of them. So take a break or two, but if
1:25:46
you're 25 years old and
1:25:48
you've got a bachelor's degree, go get a
1:25:50
master's degree, because you're going to find it
1:25:53
easier to be in contact with a lot
1:25:55
of young women candidates
1:26:00
for marriage because
1:26:02
that's where they're all been sorted into and
1:26:05
it's a perfectly reasonable valid
1:26:07
strategy that people don't appreciate
1:26:09
to the degree that they
1:26:12
ought to appreciate. Now
1:26:14
for young women who are in college I
1:26:16
would say that I think there's probably still a
1:26:19
competitive strategy that if you're trying to attract a
1:26:21
man that you meet in college I think
1:26:24
that there are competitive
1:26:27
strategies that you could employ
1:26:29
to express femininity
1:26:32
that would help you to attract a man especially
1:26:35
a man who is likely to be a good
1:26:37
husband. One of the ironic
1:26:39
things about the feminist revolution is
1:26:42
that what today we refer to as
1:26:44
feminism I think could equally be called
1:26:46
masculineism. What I mean is
1:26:48
simply that almost every trait that you'll
1:26:50
hear a feminist talking about about
1:26:53
wanting to encourage and young girls and women
1:26:56
is actually a trait
1:26:58
that men traditionally have and
1:27:00
it's not that feminists want
1:27:02
to be more feminine and
1:27:04
express their womanness to a
1:27:06
stronger degree. On the
1:27:09
contrary feminists want to be less feminine
1:27:11
and express their inner masculinity
1:27:13
to a stronger degree and
1:27:16
so most feminist women
1:27:19
tend to wind up looking and sounding
1:27:21
a lot like men than like women.
1:27:24
I think the a good strategy for
1:27:26
young women who are fighting
1:27:28
finding themselves in environments where they're fighting for
1:27:31
a small pool of men to employ is
1:27:34
reject feminism and lean
1:27:36
into femininity. So
1:27:38
reject trying to be like a
1:27:40
man and instead embrace being truly
1:27:43
feminine and I think that
1:27:45
this kind of expression of femininity is
1:27:47
your magic formula
1:27:49
to attract
1:27:52
a very high quality man because you will
1:27:54
wind up creating for him the kind of
1:27:57
environment that he is likely to be a
1:27:59
good husband. really resonate with regardless of
1:28:01
whether he can explain it or not.
1:28:05
And this doesn't in any degree
1:28:07
mean that you have to sacrifice
1:28:10
your intellectual ability, your academic
1:28:12
ability, those
1:28:15
kinds of things. Those things are important
1:28:17
and a smart man wants to marry
1:28:19
a smart woman. But
1:28:21
putting it crudely to make the point so
1:28:23
that it will stick in your mind. Assume
1:28:27
that you are a
1:28:29
20-year-old young lady and you're
1:28:31
in college and you
1:28:33
want to attract a
1:28:37
really high quality husband. Let's
1:28:39
assume that your plan is to become a
1:28:41
medical doctor or to get
1:28:43
a PhD in neuroscience. What
1:28:46
I'm trying to demonstrate is that you're
1:28:48
a woman of ambition, you're a woman
1:28:50
of ability and
1:28:53
you have high ambitions for your
1:28:55
intellect, for your career, things like
1:28:57
that. If
1:29:00
you dye your hair blue, if you chop
1:29:02
all your hair off, dye your hair blue
1:29:04
and go parading around in the streets at
1:29:07
the next political march holding
1:29:09
a cardboard sign, the
1:29:11
chances of your being single five years from
1:29:13
now are very, very high. On
1:29:16
the other hand, if you grow your
1:29:18
hair long, put on a cute sun
1:29:20
dress and learn how to cook amazing
1:29:22
food, the chances of your being married
1:29:24
to a doctor five years from now
1:29:26
are very, very high. There
1:29:29
is no difference whatsoever in
1:29:32
your fundamental academic
1:29:35
ability, career ambition, intelligence. There's
1:29:37
no difference as to how
1:29:39
serious a man will
1:29:41
take you and respect you. A
1:29:44
high quality husband is likely to
1:29:46
appreciate and respect your intelligence.
1:29:48
He's looking for those things. But
1:29:51
there is an enormous difference in
1:29:53
your attractiveness based upon how you
1:29:56
express your femininity. So
1:29:58
please, if you care about... this
1:30:00
stuff. Don't be a
1:30:02
feminist. Be feminine. And men
1:30:06
are not looking for weak, stupid
1:30:10
women who
1:30:12
just happen to be hot. Men are looking
1:30:14
for strong, the kind of man that you
1:30:16
want to be married to, are looking for
1:30:18
strong, confident, intelligent
1:30:21
women who
1:30:23
are women. I
1:30:26
hope that helps someone who's younger. Consider
1:30:29
that college is an important strategy.
1:30:33
So far, genetic traits that we have to
1:30:35
look for. I've talked about good health and
1:30:37
longevity. I've talked about intelligence. I'm going to
1:30:39
move a little faster because these other ones
1:30:41
are important but they're more obvious and they're
1:30:43
less easily measured. We don't necessarily have as
1:30:46
much data. The next trait I think
1:30:48
you want to look for that is probably genetic is
1:30:51
the trait of resilience or what today we
1:30:53
would probably call grit. Grit
1:30:55
is a characteristic that we resonate
1:30:59
with. We know it's important and
1:31:01
it's a characteristic that's increasingly
1:31:04
being measured in the social science. It
1:31:07
seems to be at least
1:31:09
somewhat genetic. Marrying
1:31:12
someone who is resilient and
1:31:14
expresses strong stick-to-it-iveness
1:31:17
or strong grit means
1:31:21
that you would be married to somebody who
1:31:23
is able to overcome the challenges that life
1:31:25
is going to throw at you. All
1:31:28
of us face enormous setbacks
1:31:31
and our ability to persevere
1:31:33
through tough times is
1:31:35
usually the key that leads to long-term
1:31:38
success. If you study millionaires,
1:31:40
what you see is that it's very common
1:31:42
for millionaires to go bankrupt at least a
1:31:44
couple of times on their pathway to success.
1:31:46
It's very common for people to be
1:31:48
laid off from work, very common for
1:31:51
people to lose their businesses, to lose
1:31:53
their livelihoods. Many successful people face these
1:31:55
things. The difference between somebody though
1:31:57
who becomes a millionaire or a multimillionaire has
1:32:00
much more to do with his ability to
1:32:02
dust off the failure and get up and
1:32:04
keep going. A guy who goes bankrupt and
1:32:06
rolls over and sits in the corner and
1:32:08
sucks his thumb or says, I'm depressed. I
1:32:10
can't go on with my life just because
1:32:13
I'm so depressed and sits around and whines
1:32:15
about his condition in life is not
1:32:17
likely to be wealthy. But the guy who dust
1:32:19
himself off says, that sucked. I don't want to
1:32:21
do that again and goes after it again as
1:32:23
the guy who's likely to be wealthy. What you
1:32:25
see as you get older is you see that
1:32:28
so much of long-term success in anything, in learning,
1:32:30
in academics, in business
1:32:33
success, in marriage, in everything in life has
1:32:35
more to do with your ability to get
1:32:37
knocked down and get up and try again
1:32:40
than it does to do with the actual impact
1:32:42
of getting knocked down or what it says
1:32:44
about you. Everyone gets knocked down. And
1:32:46
so grit seems to be from what I can
1:32:48
figure out to be at least somewhat genetic. I
1:32:51
read one paper and let me just read you
1:32:53
the initial abstract from it just
1:32:55
so you get an idea that there's some people that are trying
1:32:58
to understand
1:33:02
this and find academic evidence
1:33:05
for the
1:33:07
heritability or non-heritability of a trait
1:33:09
like grit. I'm
1:33:13
reading here from a British publication. The
1:33:16
paper is called True Grit
1:33:18
and Genetics, Predicting Academic Achievement
1:33:21
from Personality by Four Authors,
1:33:23
Rimfield, Kovas, Dale, and Plumbin.
1:33:26
Here's the abstract. Grit, perseverance
1:33:28
and passion for long-term goals has
1:33:30
been shown to be a significant
1:33:33
predictor of academic success, even after
1:33:35
controlling for other personality factors. Here,
1:33:38
for the first time, we use
1:33:40
a UK representative sample and a
1:33:42
genetically sensitive design to unpack the
1:33:44
etiology of grit and its prediction
1:33:46
of academic achievement in comparison to
1:33:48
well-established personality traits. For 4,642
1:33:50
16-year-olds, 2,321
1:33:54
twin pairs, we use the
1:33:56
Grit S scale, Perseverance of
1:33:58
Effort and Consistency. of interest,
1:34:00
along with the big five personality
1:34:02
traits, to predict scores on the
1:34:05
general certificate of secondary education, GCSE
1:34:07
exams, which are administered UK-wide at
1:34:09
the end of compulsory education. Twin
1:34:12
analyses of grit perseverance yielded a
1:34:14
heritability estimate of 37%, 20% for
1:34:16
consistency of
1:34:20
interest, and no evidence for
1:34:22
shared environmental influence. I repeat,
1:34:24
heritability estimate of 37% and
1:34:27
no evidence for shared environmental influence.
1:34:30
Personality, primarily conscientiousness, predicts
1:34:32
about 6% of
1:34:34
the variance in GCSE scores, but grit
1:34:36
adds little to this prediction. Moreover,
1:34:39
multivariate twin analyses showed that
1:34:41
roughly two-thirds of the GCSE
1:34:44
prediction is mediated genetically. Grit
1:34:46
perseverance of effort and big five
1:34:49
conscientiousness are, to a large extent,
1:34:51
the same trait, both phenotypically, R
1:34:53
equals 0.53, and genetically, genetic correlation
1:34:55
equals 0.86. We
1:34:57
conclude that the etiology of grit
1:34:59
is highly similar to other personality
1:35:02
traits, not only in showing substantial
1:35:04
genetic influence, but also in showing
1:35:06
no influence of shared environmental factors.
1:35:09
Personality significantly predicts academic achievement,
1:35:11
but grit adds little, phenotypically
1:35:13
or genetically, to the prediction
1:35:16
of academic achievement beyond traditional
1:35:18
personality factors, especially conscientiousness. So
1:35:21
you see that, basically, there is, grit
1:35:24
seems to be at least somewhat heritable.
1:35:27
So I think that, more importantly, this
1:35:29
is something that we know makes a difference. So you're
1:35:31
going to marry. You're going to, again, use my example.
1:35:33
You're going to marry a man who flunks out of
1:35:35
school. Do
1:35:39
you want that man to get up and keep going, or do you want
1:35:41
him to curl up in the corner and suck his thumb? And
1:35:44
if you're a man, think of what your wife wants. Let's
1:35:47
say that you're a man and you're marrying a
1:35:49
woman, and she gets a demotion at work. Do
1:35:52
you want her to curl up and wine and
1:35:54
cry into her bottle of wine about how hard
1:35:56
life is and how it's so entirely unfair, or
1:35:58
do you want her to say, all right, well,
1:36:00
I'll have to work harder next time. Lack
1:36:03
of grit is just flat on annoying. If
1:36:05
nothing else, you don't want to live with somebody who does
1:36:08
this. And remember that you're going to
1:36:10
be facing the challenge of supporting
1:36:13
this person emotionally. And
1:36:15
so one of the most valuable aspects that
1:36:17
we get from marriage is emotional support. If,
1:36:20
if I face a difficulty in
1:36:22
my life, I want to be
1:36:25
able to go home and cry on
1:36:27
my wife's shoulder and for her to
1:36:30
let me cry for a few minutes. And then the next
1:36:32
day say, all right, get out there. I believe in you.
1:36:35
And yet she can only do that so many
1:36:38
times. It's fine for me to go and have
1:36:40
a good cry one time. But
1:36:42
if I turn into a blubbering mess and I
1:36:44
do that a second time and a third time
1:36:46
and a fifth time, it's going to be tough
1:36:48
for her to continue that. Similarly, as a husband,
1:36:50
if my wife faces difficulties, I'm going to be
1:36:52
there for her. I'm going to be there to
1:36:54
support her. I'm going to be there to build
1:36:56
her up and hold her while she cries and
1:36:58
say, it's okay, girl, let it go. But
1:37:01
on the second day, all right, I'm going to do
1:37:03
it. But on the third day, come on, suck it
1:37:05
up. Life is tough. And so that's going to be
1:37:08
super, super annoying if you're an achiever. And
1:37:11
so these elements, this expression of grit, I
1:37:13
think gets at what we're, what we're looking
1:37:15
for is that we need to, we want
1:37:17
to be married to somebody who's not going to just drag
1:37:21
us down all the time into an emotional
1:37:23
morass. And once you're married, now
1:37:25
you got to figure out how to build this
1:37:27
person up and marrying somebody who's emotionally handicapped and
1:37:29
can't deal with setbacks in life is no formula
1:37:31
for a happy life. So on
1:37:33
what basis would you judge the grit
1:37:35
that somebody is displaying in his or
1:37:37
her life? I don't have as
1:37:40
useful or as convenient of a proxy as, as
1:37:42
I do for the previous
1:37:45
one. So for health, we can
1:37:47
use beauty and attractiveness and athletic
1:37:49
ability as pretty decent markers for
1:37:52
health, especially if you bring in
1:37:54
family history and longevity of parents
1:37:56
and grandparents as well. For
1:37:58
intelligence, we can use. academic
1:38:00
ability and grades in academia
1:38:02
as a pretty decent proxy
1:38:04
for intelligence. How do you
1:38:07
judge grit? I
1:38:09
don't have a decent of a proxy. So what I'm
1:38:11
going to do is I'm going to read to you
1:38:13
a list of basically characteristics
1:38:15
that are associated with grit. And
1:38:18
I think these are things that you want to
1:38:20
look for. So first, persistence in the face of
1:38:23
challenges. You want to ask
1:38:25
yourself, does this person that I'm interested
1:38:27
in marrying demonstrate? Has he or she
1:38:29
demonstrated persistence in the face
1:38:31
of challenges? Does
1:38:34
this person demonstrate consistency
1:38:36
and commitment, perseverance
1:38:38
and pursuit of passion, resilience
1:38:41
and adversity, the
1:38:43
ability to delay gratification, effortful
1:38:47
engagement, goal
1:38:49
clarity and direction, seeking
1:38:52
and embracing challenges, adaptability
1:38:54
and learning from failure and then
1:38:56
long-term drive towards achievement and success?
1:39:00
All of these are components of grit.
1:39:02
So look for
1:39:04
activities in which your
1:39:07
potential spouse has faced
1:39:09
disaster and failure and
1:39:12
been overwhelmed and overcome. And
1:39:14
then try to figure out what happened next. If
1:39:17
those things aren't
1:39:19
there, then I would
1:39:22
say try to negotiate some kind of
1:39:24
circumstance in which you could test
1:39:26
for grit in some way. I'll
1:39:29
get to that in a moment when I talk about testing
1:39:32
for basically social intelligence and emotional
1:39:34
stability that we want
1:39:36
to just consider, does this person
1:39:38
demonstrate grit? Next, drive
1:39:41
and ambition. I think you want to
1:39:43
seek a partner who
1:39:45
demonstrates drive and ambition
1:39:48
because there does seem to be a
1:39:50
genetic component to drive and ambition. And
1:39:54
they put our finger on something that just drives
1:39:56
somebody. Now I don't know whether it's all genetic
1:39:58
on a physical basis. or whether
1:40:00
it's more of what I'm gonna
1:40:03
get to in a moment of long-term environmental
1:40:05
influence. But if you're married
1:40:07
to a motivated spouse, then
1:40:09
your marriage is more likely to
1:40:11
have more opportunities for wealth creation
1:40:14
and financial growth. Generally,
1:40:16
women seem to be much more attuned
1:40:19
to this than men because they are,
1:40:21
I think, women naturally sense their vulnerability
1:40:23
if they marry a man who is
1:40:26
of low ambition. A
1:40:28
woman, a
1:40:30
high-quality, motivated, ambitious woman
1:40:32
will, I can't even
1:40:34
conceive of a woman like that being married to a
1:40:36
man of low ambition. Low ambition
1:40:39
is an enormous turnoff for women. And
1:40:41
again, I think this is right. I think it
1:40:43
should be. What I always notice is, especially
1:40:47
with regard to bearing children, I
1:40:50
notice how vulnerable what my wife is
1:40:53
when she has children. It
1:40:55
puts her in an enormous, vulnerable
1:40:57
place that if she couldn't trust
1:40:59
me and know that
1:41:01
I'm gonna keep pressing forward, then it would
1:41:03
be very difficult for her, bring an enormous
1:41:05
emotional instability to her. So how
1:41:08
do you filter for that? Well, if she's gonna
1:41:10
marry one young, she's not gonna filter for a
1:41:12
man who is rich, doesn't
1:41:15
have time to be rich, or earns a lot of
1:41:17
money even, doesn't have time to earn a lot of
1:41:19
money, just getting started in his career. So the filter
1:41:22
is drive and ambition. Now men, I
1:41:24
don't think filter so much for this, but
1:41:27
I think we should. Here's
1:41:29
the problem with the filter, is
1:41:31
that when I say drive and
1:41:33
ambition, we're so indoctrinated into automatically
1:41:35
thinking of that in a career
1:41:37
perspective, that it causes us
1:41:39
to ignore other expressions of drive and
1:41:41
ambition. I'm not necessarily
1:41:43
interested in, as a primary thing,
1:41:46
of marrying a woman who has
1:41:49
huge career drive and ambition. I
1:41:51
don't think that's a disqualifying factor, although for
1:41:54
some, in some cases it would be. If
1:41:56
a man wants to have children, and if
1:41:58
his wife is so... driven to make
1:42:01
a difference in a career that's going to
1:42:03
require her to be a nonstop partner at
1:42:05
her law firm and she's just never ever
1:42:07
going to be willing to have children because
1:42:09
of the cost of her career. And that
1:42:12
is a disqualifying factor for a man who
1:42:14
wants to have children. Remember again, I said
1:42:16
marriage as compared to having children, two components
1:42:18
that are related but not synonymous. So
1:42:21
I don't think that career ambition
1:42:24
is necessarily a disqualifying factor except
1:42:27
in its extreme form. What
1:42:29
I observe is that I think career ambition
1:42:32
can often, is
1:42:34
a useful proxy but it's not a
1:42:36
complete proxy. I've
1:42:38
known many women who had no
1:42:42
specific career ambition. I really want
1:42:44
to, again,
1:42:46
get a PhD and I
1:42:49
really wanted to win a Nobel
1:42:51
Prize in physics who had enormous
1:42:53
drive and ambition on
1:42:55
the domestic front. I really wanted to
1:42:57
build a family and change the world
1:42:59
with their family or on a cultural
1:43:02
front. We really need to change this
1:43:05
community. We really need to adjust
1:43:07
this political issue. And
1:43:09
as I talked about on a
1:43:11
recent Q&A with a young lady
1:43:13
who was thinking about the pros
1:43:15
and cons of becoming a mother
1:43:17
and staying a stay-at-home mother versus
1:43:19
otherwise, what I observe is that
1:43:21
in our entirely career focused, income
1:43:23
generating focused society, as we've
1:43:26
pushed all drive and ambition in
1:43:28
that direction and said that all
1:43:30
has to be financially related, we've
1:43:33
eliminated a lot of drive and ambition from a
1:43:35
lot of our communities
1:43:37
and our parks are disgusting
1:43:39
and our roads are destroying
1:43:42
the vitality of town life
1:43:45
because we've centered everyone
1:43:47
of drive and ambition
1:43:49
into a focus of
1:43:52
earning lots of money. This does
1:43:54
apply equally to men and to women. I think
1:43:56
that in many cases, a woman will be attracted
1:43:58
to a man who has great drive and ambition
1:44:00
but his goal is not to make money. His
1:44:04
goal is to make a difference. His goal
1:44:06
is to change his community. His goal is to save
1:44:08
the lost. His goal is to green
1:44:10
the desert. And so drive
1:44:12
and ambition are important components and they
1:44:15
will be correlated with financial pursuit but
1:44:17
not synonymous for it. Now I think
1:44:19
a good proxy for filtering for drive
1:44:22
and ambition since we can't predict all
1:44:24
of the expressions of it, I
1:44:27
think is growth mindset. So this is a
1:44:29
term that we increasingly hear about. Carol Dweck
1:44:31
of course famously pioneered it. But I think
1:44:33
growth mindset is a core component of
1:44:35
what I would look for, what I
1:44:38
look for in a healthy marriage and
1:44:40
what I think most people should is
1:44:42
that is this person committed
1:44:44
to learning and growing and changing
1:44:46
at every stage? People who
1:44:49
don't have a growth mindset, I think
1:44:51
are going to just be bad spouses
1:44:53
because they're not likely to put away
1:44:55
the things that they had before and
1:44:57
embrace something new. And the
1:44:59
whole growth of being married and having children
1:45:01
is that you're going to have to grow
1:45:03
and change and there's going to be new
1:45:05
skills required. I need to
1:45:08
develop new skills as a husband. My wife needs
1:45:10
to develop new skills as a wife. We need
1:45:12
to develop new skills as father and mother. We
1:45:14
need to develop new skills as grandfather and
1:45:16
grandmother in the fullness of time, as uncle
1:45:18
and aunt, as community members. And so what
1:45:21
you're looking for is growth mindset. So I
1:45:23
don't have a great way to do that
1:45:25
but I think that you should always be
1:45:27
listening and filtering based upon is
1:45:30
the person that I'm attracted to demonstrating
1:45:32
his or her ability to grow and
1:45:35
to change, to set aside
1:45:37
things that were perhaps useful before and
1:45:39
commit himself to a growth mindset. Is
1:45:41
he willing to say, you know what,
1:45:43
I don't think what I used to
1:45:45
believe. I'm willing to change my perspective.
1:45:47
I'm willing to change my opinions. And
1:45:50
I think this is a good expression
1:45:52
of drive and ambition. And we should
1:45:54
filter drive and ambition not exclusively based
1:45:56
upon earning ability but
1:45:59
brought broadly bring it
1:46:01
in as a basic human component
1:46:04
and see its expression in other ways.
1:46:06
I really appreciate that my wife
1:46:09
has demonstrated growth mindset and has
1:46:11
demonstrated drive and ambition towards my
1:46:13
children. That makes me much, much
1:46:15
more satisfied with her as a
1:46:17
good wife than if she hadn't
1:46:20
done that over the last 10
1:46:22
years. I believe that if she
1:46:24
were asked, she would say the same thing about me
1:46:26
is that I've grown in my ambition
1:46:29
towards my children over
1:46:31
the years. So my drive and
1:46:33
ambition is not exclusively represented in
1:46:36
a money earning aspect,
1:46:38
but it's a core part of what I
1:46:40
see as my overall growth
1:46:43
mindset. The next characteristic
1:46:45
is social intelligence. Here,
1:46:49
what I think we really want to filter
1:46:51
for is sociopaths
1:46:54
and people who just clearly genetically
1:46:56
or whatever who are not capable. If
1:46:59
you can marry a spouse who has strong social
1:47:02
intelligence and has strong
1:47:04
representation of traits like empathy and
1:47:06
has good communication skills and shows
1:47:09
that he or she can
1:47:11
build and maintain relationships, then I think you're
1:47:13
on the fast track to success. Socially
1:47:16
intelligent individuals are good at
1:47:19
networking and negotiation and collaboration.
1:47:21
These are all core
1:47:23
components not only of
1:47:26
a good marriage, but just a
1:47:28
good business success, good financial success,
1:47:30
to career advancement and business partnerships
1:47:32
and finding wealth and investment opportunities.
1:47:36
Social ability and social
1:47:38
or emotional intelligence and social intelligence
1:47:41
is core. We need to filter
1:47:43
for that. Don't marry somebody, especially
1:47:45
don't ever marry or be in
1:47:47
a relationship with someone who's a
1:47:49
psychopath or has the negative stuff,
1:47:51
doesn't treat you well, doesn't respect
1:47:53
you, doesn't appreciate you, doesn't express
1:47:55
those things verbally and in action.
1:47:58
Filter out all the negative stuff. but then filter for
1:48:00
people who express these things on a high degree. So
1:48:03
I think some proxies, again,
1:48:05
imperfect, but does this person
1:48:08
I'm interested in, does he or she
1:48:10
demonstrate care for others? Are
1:48:12
social situations smooth and easily
1:48:14
navigated? Does he or she
1:48:16
respect other people and demonstrate that respect?
1:48:19
When I was thinking about this in preparation
1:48:21
for the show, I
1:48:24
thought of some of the aphorisms that I
1:48:26
think are true and worth paying attention to. So
1:48:28
one I like is how you do anything is
1:48:30
how you do everything. How you
1:48:32
do anything is how you do everything. It's
1:48:34
not literally true, but it's metaphorically true that
1:48:36
generally people who are good at business are
1:48:39
probably gonna be devoted to their marriage and
1:48:41
in many cases, and by devoted to their
1:48:43
business, meaning because devotion is a feature that
1:48:46
applies broadly. Someone who's devoted to his marriage
1:48:48
is probably gonna be likely
1:48:50
to be devoted to his health. How
1:48:52
you do anything is how you do everything. But
1:48:55
in a social dimension, things like this, if
1:48:57
she'll cheat with you, then she'll cheat on you. There's
1:49:01
an aphorism there, I think it's true. People who cheat
1:49:03
on their partner to be with you are probably likely
1:49:06
to be on you to
1:49:08
be with someone else that comes along as better than
1:49:10
you. I always
1:49:12
like things that are especially related
1:49:14
to our appreciation of social
1:49:16
elites, such as judging a
1:49:19
successful man or woman by how he
1:49:21
or she treats servants, or
1:49:23
people who are not in the social
1:49:25
class that he comes from. I
1:49:29
find that the way that people treat people who
1:49:32
can't do anything for them is a pretty decent
1:49:34
way to understand how they're gonna treat you. There
1:49:38
are people who only treat other people as something they
1:49:40
can get, and there are people who just genuinely treat
1:49:43
everyone with respect and appreciation. And
1:49:46
sometimes, we all appreciate the
1:49:48
stories about how the president of the country or
1:49:50
the CEO of the business comes
1:49:52
in and is always careful
1:49:54
of the staff and of his servants and
1:49:57
treats everyone with respect. look
1:50:00
at the person and don't be in a relationship
1:50:03
with somebody who treats other people poorly.
1:50:08
If a man will belittle other people to
1:50:10
you, then he'll belittle you
1:50:12
to other people. Or if
1:50:14
a woman will belittle other people, then
1:50:17
she will belittle you once she has you. Now
1:50:19
marriage is not as enduring as it once
1:50:21
was, but frequently there was, I think it
1:50:23
used to be that there was more of
1:50:25
a disparity between how people acted to land
1:50:28
a husband or land a wife and how
1:50:30
they acted after they landed the husband or
1:50:32
wife. But the
1:50:34
point remains that if someone's going to
1:50:36
talk poorly about other people to you
1:50:38
or gossip about other
1:50:40
people to you, then be
1:50:43
careful because he or she is likely
1:50:45
to betray your trust and
1:50:48
your intimacy to other people. One
1:50:51
note, there is a difference between things that
1:50:53
are gossip and things that
1:50:55
are private. It's not always
1:50:57
wrong to speak about
1:51:00
something that is
1:51:02
private in a trusted
1:51:04
relationship. I may
1:51:06
be having a marriage problem and I
1:51:08
may go to a trusted friend or
1:51:11
trusted advisor and in confidence share about
1:51:13
this particular problem that I'm having.
1:51:15
I may even expose intimate personal
1:51:18
details, private details to this person.
1:51:21
However, I don't go and ever gossip about and
1:51:23
just kind of say, oh, let me just tell
1:51:25
you all the bad things and bad mouth, my
1:51:28
wife, I would never do that. And
1:51:30
so be careful because you're not going
1:51:32
to generally know what other
1:51:35
people are saying about you to other
1:51:37
people, but you can judge
1:51:39
how people speak, how he or
1:51:41
she is likely to speak about you to other people
1:51:44
based upon how he or she speaks
1:51:46
about other people with you. In
1:51:49
the intimacy of a close relationship,
1:51:51
you will speak about private affairs.
1:51:54
I may speak about someone else's
1:51:56
private affairs with my wife in the confidence
1:51:58
and intimacy of a close relationship. of a
1:52:00
close relationship. But I
1:52:02
would never and must never gossip
1:52:05
or be frivolous or insulting
1:52:07
about other people. If
1:52:10
I'm going to speak about someone else's
1:52:12
private affairs, it should only be done
1:52:14
because of care and love for another
1:52:16
person and a desire to genuinely help
1:52:19
or explore something with
1:52:21
my intimate spouse.
1:52:25
Similarly, if someone's going to bad mouth others, if he's
1:52:27
going to bad mouth others to you, he'll bad mouth
1:52:29
you to other people. These
1:52:31
things are congruent. People
1:52:33
of high social intelligence are
1:52:36
congruent. They behave
1:52:38
consistently among classes, among
1:52:40
situations. In
1:52:43
public, in a private, they're congruent. There
1:52:45
may be exceptions. We all have moments
1:52:47
of weakness, moments of frustration, anger, but
1:52:51
there is going to be a high
1:52:53
degree of congruence. So don't think that
1:52:55
somehow this person who is socially stupid
1:52:58
and toxic is going to just magically
1:53:00
turn into a great spouse. Nope, he's
1:53:02
not, she's not. And then related
1:53:04
to having emotional stability,
1:53:08
I think that you want to seek a
1:53:10
partner who has a strong predisposition,
1:53:12
which I think there's probably some
1:53:15
genetic component towards it, but
1:53:17
a strong predisposition towards emotional
1:53:20
stability and resilience. Emotional
1:53:23
stability helps people
1:53:25
to navigate stress and uncertainty
1:53:27
and interpersonal conflicts and
1:53:29
to do these things effectively. It builds
1:53:31
good relationships and it
1:53:34
reduces the likelihood of impulsive
1:53:36
financial decisions driven
1:53:38
by emotional turbulence. People
1:53:41
who go out and do retail
1:53:43
therapy, avoid, like the plague, someone
1:53:45
who does that. Don't
1:53:49
do that. Somebody
1:53:51
who thinks that going out and spending
1:53:53
money frivolously is a substitute
1:53:55
for a healthy activity is not going
1:53:57
to treat your finances well. You
1:54:00
can apply a little bit of judgment. If she
1:54:02
calls it retail therapy and goes shopping with her
1:54:04
best friend for five hours and buys a $5
1:54:06
latte and a $20 item that was 50% discounted,
1:54:08
okay, great. But
1:54:12
if she calls it retail therapy and goes
1:54:14
out and comes back with stacks
1:54:16
and stacks of designer brands, don't
1:54:19
marry this woman. You're
1:54:21
doomed if you do. You want
1:54:23
to choose somebody who is emotionally stable. Now,
1:54:26
I don't have a great proxy for this.
1:54:28
I've considered I've been learning about the Big
1:54:30
Five personality test and it was alluded to
1:54:32
in the abstract that I read. But
1:54:37
I don't know what the great proxy is
1:54:39
for emotional stability. I had to wait until
1:54:41
one of you psychologist listeners can tell me
1:54:43
what it is. My only
1:54:45
thought is that you should
1:54:47
observe the person you're interested in
1:54:49
through times of emotional extremes. Is
1:54:53
this man or is this
1:54:55
woman generally emotionally stable? I
1:54:58
think there are a couple of things that should
1:55:01
be generally obvious that are
1:55:04
necessary of a productive courtship
1:55:07
relationship. Let me explain for
1:55:09
just a moment. Traditionally in
1:55:11
our Western tradition, and I'll
1:55:14
bring the recent tradition into
1:55:16
it, we've generally brought in
1:55:18
a phased approach
1:55:21
to relationships. What are
1:55:23
the phases of relationships? Formerly
1:55:27
relationship would go quickly
1:55:29
from acquaintance or knowledge of one
1:55:32
another or friendship to courtship. In
1:55:35
the past 50 years, we added
1:55:37
a phase of relationship called dating.
1:55:41
In the world that I grew up in, which is different
1:55:43
from today's world, in the world that I grew
1:55:45
up in, you would have an
1:55:47
acquaintance or a friendship.
1:55:50
Then you would move from an acquaintance
1:55:52
relationship or a friendship relationship to a
1:55:54
dating relationship. And
1:55:56
then a dating relationship was generally considered
1:55:59
to be some form
1:56:01
of committed
1:56:03
monogamous relationship that
1:56:06
in the healthiest of cases
1:56:09
had marriage as a potential outcome,
1:56:11
a potential positive outcome, but there
1:56:13
was not a commitment to marriage
1:56:15
yet. It was boyfriend, girlfriend
1:56:17
exploring a relationship, exploring one another,
1:56:19
getting to know one another with
1:56:22
an idea that this would lead to marriage in
1:56:25
the fullness of time. Then you would go
1:56:27
from a dating relationship to an engagement,
1:56:31
and usually of course dating would involve
1:56:33
some more obvious expression of courtships. You
1:56:35
would have that engagement. Engagement was a
1:56:37
time in which you were publicly committed
1:56:40
to be married, and in a time
1:56:42
of public commitment to be married, then
1:56:45
you were exploring compatibility,
1:56:49
engaging in marital counseling, pre-marital counseling, exploring things,
1:56:51
and you were heading towards marriage. Then there
1:56:53
was marriage, and marriage was the final point,
1:56:55
the final time, now we're in it, we're
1:56:57
in it for life, for better or for
1:56:59
worse, for richer or for poor, sickness
1:57:02
and in health, no matter what, we're in
1:57:04
it till death do us part. That was
1:57:07
the culture that I grew up in and before.
1:57:11
Today, most of those clear stages
1:57:13
of relationship seem
1:57:18
to have collapsed
1:57:21
for most people who aren't
1:57:23
coming from a strong subculture. By
1:57:25
strong subculture, I mean a strong
1:57:27
religious community with clearly defined stages
1:57:29
of relationship, a strong family community
1:57:32
with clear expectations. Just speaking broadly
1:57:34
in the general culture, it
1:57:37
seems to me that young men and
1:57:39
women who are interested in each other
1:57:41
are navigating a morass of undefined relationships.
1:57:44
You can be dating, but dating doesn't
1:57:46
necessarily mean monogamy, you can be having
1:57:48
sex with someone, but it's just a
1:57:50
situation to ship, it's not a boyfriend-girlfriend
1:57:52
relationship. You can be, I mean
1:57:55
basically about the only cultural rule that
1:57:57
seems to be still somewhat valid is
1:57:59
engagement. that okay, we're engaged. But
1:58:01
then the problem with engagement is that
1:58:03
engagement can last for a
1:58:06
very long time and couples
1:58:08
who aren't engaged are shacked up together for years
1:58:11
and years and years and they may or may
1:58:13
not lead to marriage. It's just enormously confusing. And
1:58:16
on the whole, this is enormously destructive. It's
1:58:19
destructive for men, it's destructive for women
1:58:21
and it's causing young men and women
1:58:23
to lose out on some of the
1:58:25
best, most important years of their life
1:58:27
to filter for a potential relationship. And
1:58:30
it's enormously, especially, I think
1:58:32
what really happens is men
1:58:35
are generally speaking
1:58:38
harming young women by engaging in
1:58:41
things that either are a relationship
1:58:43
or could be called a relationship
1:58:45
without a plan to move that
1:58:47
relationship to marriage. There's a saying
1:58:49
that I think is probably broadly
1:58:52
true that women control access to
1:58:54
sex and men control access to
1:58:56
relationships. What has happened is
1:58:58
in our current world, we have very
1:59:00
high levels of sexual promiscuity and
1:59:03
it seems to me that women
1:59:05
have broadly lowered their demands, lowered
1:59:08
the bar for access to sex.
1:59:10
That seems that many young women
1:59:12
have been trained or decided to
1:59:14
give men free and easy access
1:59:17
to sex with almost no strings
1:59:19
attached. The quaint put a
1:59:21
ring on it idea has
1:59:25
broadly disappeared from much of
1:59:27
popular culture. Men,
1:59:32
I don't know whether they lowered the
1:59:34
bar on access to relationships but men
1:59:36
have seemingly largely figured
1:59:38
out that they can get whatever
1:59:41
they want to get without
1:59:43
ever having to provide a relationship. And
1:59:46
I consider this to be harmful. It's harmful
1:59:48
to the men but it's very harmful for
1:59:50
the women because women in many cases are
1:59:53
giving their best, most
1:59:55
fruitful productive years to men who
1:59:58
turn out to never actually have
2:00:00
an ambition to a marriage
2:00:03
and long-term relationship. So
2:00:05
let's assume for the sake of argument that
2:00:08
you see some problems with the current situation.
2:00:11
There can be a great temptation to say, well we're
2:00:13
just get rid of all of that, let's just go
2:00:15
to marriage as fast as possible. Let's just marry off
2:00:17
our 18 year olds and have 18 day engagements. No,
2:00:21
that's also wrong. The flip
2:00:23
side is not to be gone after. Well
2:00:26
you probably know, as I do, some
2:00:28
people who've met each other and just
2:00:31
you know instantly fell in love, instantly knew they were
2:00:33
forever and six weeks later they're married and their marriage
2:00:35
is endured for 16 years. You probably
2:00:37
know someone like that. Those
2:00:39
people do not make the rule and we
2:00:41
shouldn't, we should not look
2:00:44
to them as the rule. On
2:00:47
the contrary we need to think and say
2:00:49
what is it that, why do we have
2:00:51
stages of relationship? What are we looking for?
2:00:53
Well things like emotional stability need
2:00:56
to be sussed out. You need
2:00:58
to know someone for long enough
2:01:00
to be able to judge is
2:01:02
this person emotionally stable, which
2:01:04
means that you need to be in
2:01:07
relationship for a significant amount
2:01:09
of time in order
2:01:11
to judge through a
2:01:13
period of intense emotional height
2:01:15
and intense emotional lows. It'd
2:01:18
be really great if you could see someone
2:01:20
that you're considering married get kicked in
2:01:22
the teeth by life and go
2:01:25
through something really difficult as well as be
2:01:27
put on stage and have 15 minutes of
2:01:29
fame. That would be fantastic
2:01:32
because then you could judge how does
2:01:34
this person respond in times
2:01:36
of great distress and times of great
2:01:38
jubilation. That's useful. That's
2:01:42
why we have stages of
2:01:44
relationship in a culture. That's why you have
2:01:47
a courtship culture. The
2:01:49
best way to observe somebody from
2:01:51
afar is probably as a friend.
2:01:54
It's really healthy for young
2:01:56
men and women to have friendships,
2:01:59
broad, numerous friendships with
2:02:01
the opposite sex where there are
2:02:03
friend interactions. So you can see
2:02:05
how people handle things. And
2:02:07
it's really wonderful if you have been
2:02:09
able to be friends with somebody for
2:02:12
a long enough period of time to
2:02:14
observe him or her go through triumphs
2:02:17
and defeats so that
2:02:19
you could see how does this person handle those things.
2:02:22
The problem with friendships is that a lot of
2:02:24
times friendships don't move out into the romantic zone.
2:02:27
And you wind up getting friend zoned if you're a
2:02:29
guy, similar, men
2:02:32
can't, I don't think men can be friends with
2:02:34
women. Men
2:02:36
are friends with women because they're hoping to
2:02:38
get with women. And sometime I
2:02:40
know that's unpopular to say but I don't see
2:02:42
the alternative ever being true. It's not true in
2:02:45
my experience. I don't know any men who are
2:02:47
genuinely friends with women on the long term who
2:02:49
are not interested in a long term relationship. At
2:02:52
least past a certain age. I think an
2:02:54
exception could be that when you're put together
2:02:56
possibly in a social dynamic, you're in school
2:02:58
together and you have just a natural reason
2:03:00
to be together, you can be very friendly
2:03:03
and have be friends with women in that
2:03:05
context. But when your friendship becomes
2:03:07
something that happens outside of the social
2:03:09
dynamic, I don't see how men and
2:03:11
women can be friends on
2:03:14
an ongoing basis. The example I would use
2:03:16
would just be this. As
2:03:18
a married man, I enjoy friendships and
2:03:21
interactions with women who are
2:03:23
not my wife. But
2:03:25
those interactions always happen in
2:03:27
the context of a social
2:03:29
environment in which the
2:03:31
woman's husband is present or my wife
2:03:34
is present and thus we
2:03:36
have a group social environment. The
2:03:38
reason for getting together is not so that
2:03:40
I can go and see my friend, the
2:03:43
woman who is not my wife. On the
2:03:45
contrary, we're getting together as a group and
2:03:47
in that group I can enjoy friendships and
2:03:50
relationships and conversation
2:03:52
and dialogue and debate with
2:03:55
a woman who is not my wife. But
2:03:57
the context has to be a group social
2:03:59
environment. environment where the woman's husband
2:04:01
has to be part of it.
2:04:04
So I am friends with women in the context
2:04:06
of a group social environment. What I would never
2:04:09
do is I would never be friends with a
2:04:11
woman who is married to someone or a man
2:04:13
and say, hey, you and I go out to
2:04:15
lunch together because we're friends. I
2:04:17
would never do that because, and she
2:04:20
wouldn't either, because there's
2:04:23
not a friendship that
2:04:25
can work outside of the
2:04:28
group social environment. So
2:04:30
if we look at young people, what you
2:04:32
see is that friendships between young men
2:04:35
and young women or boys and girls, these
2:04:37
are very productive when there's
2:04:39
a reason to be involved
2:04:42
in the group dynamic, going to school
2:04:44
together, doing a play together, going
2:04:47
on a trip, things like that,
2:04:49
where you get to know people in
2:04:51
that environment, those are really good opportunities
2:04:53
and they're genuine, useful friendships where you
2:04:56
care about the person. But
2:04:58
when that friendship starts to go in
2:05:00
the direction of spending
2:05:03
individual time together outside
2:05:05
of the context of the reason you came
2:05:07
together and on a
2:05:09
one-on-one basis, it's not possible
2:05:11
for that to stay as just a friendship.
2:05:15
The girl that was my friend in a group dynamic
2:05:17
and then I started going
2:05:19
out on a one-on-one basis as
2:05:21
friends ultimately became my wife. So
2:05:24
there's my experience with it. So
2:05:26
the point being that if
2:05:29
you have the opportunity to
2:05:31
observe your potential spouse
2:05:33
in a group dynamic, then that's
2:05:36
really great because there's less emotional
2:05:38
ties. This person's not putting on
2:05:40
airs for you. You can judge
2:05:43
emotional stability and social intelligence in
2:05:45
that context. That's
2:05:49
not generally always a great pathway to marriage.
2:05:51
You don't want to wind up just in
2:05:53
the friend zone if you're looking
2:05:55
for marriage. And so that's why
2:05:57
dating exists. That's why
2:05:59
we created the idea of dating to
2:06:01
say there's a romantic attraction here, we're
2:06:03
not just being friends, and
2:06:05
we're trying to spend some time in a
2:06:08
relationship where we're not committed to marriage, but
2:06:10
we're spending time in a relationship to where
2:06:12
we can observe one another. One
2:06:15
of the enormous problems of dating,
2:06:17
however, comes if dating becomes a
2:06:19
sexual relationship absent marriage. Sex
2:06:22
complicates everything. It dials
2:06:25
everything, every emotional involvement, every emotional
2:06:27
engagement up to an absolute maximum.
2:06:30
Sex is not emotionally neutral.
2:06:33
It affects the relationship very, very deeply,
2:06:35
and it affects the interactions between a
2:06:38
man and a woman. If
2:06:40
you have a dating relationship where people are
2:06:43
spending time together, it can
2:06:46
be in a group setting,
2:06:48
it can be an individual component. If
2:06:50
you can keep sex out of the
2:06:52
relationship, you can have a much more
2:06:54
objective observation of an
2:06:56
individual for
2:06:59
a continued period of time to be able to
2:07:01
observe how is this person handling life. Sex
2:07:04
is best introduced in the
2:07:07
context of a publicly
2:07:09
acknowledged, clear commitment
2:07:11
that eliminates all of the
2:07:15
uncertainty involving matters of consent,
2:07:17
matters of respect, matters of
2:07:21
everything related to it. That's
2:07:24
why we have marriage. These
2:07:26
phases of relationship, my point is not
2:07:29
to harangue you about sex, but to say
2:07:31
that these phases of relationship are really important,
2:07:34
and that dating and courtship, relationship
2:07:37
leading to marriage, this is important because it
2:07:39
gives a man and woman opportunity
2:07:41
to observe one another
2:07:43
and to have a romantic context
2:07:46
that's different than
2:07:48
friendship, but
2:07:50
yet to not yet complicate matters
2:07:54
with the heart, the emotions, the
2:07:56
hormones, everything related to an
2:07:59
intense sexual relationship. relationship. Then
2:08:02
when you move to engagement,
2:08:06
that's where you can get genuinely intimate. It's
2:08:09
not safe to share the
2:08:11
deepest desires
2:08:13
of your heart, the deepest ambitions
2:08:15
that you have, without
2:08:18
a publicly acknowledged
2:08:21
commitment. I would
2:08:23
never go, if I weren't married, I would never
2:08:26
go and share the deepest desires
2:08:29
and the deepest thoughts that I have, and
2:08:31
the biggest conflicts and the controversies and things
2:08:33
like that with a woman where I had
2:08:35
no public commitment of relationship. So
2:08:37
engagement is designed to allow a
2:08:39
couple to be safe
2:08:42
enough to share with one another
2:08:45
the most intimate secrets that
2:08:47
they have because there is
2:08:49
public commitment. But they
2:08:51
do that sharing in the context in
2:08:54
which it can still be
2:08:56
terminated without excessive
2:08:59
harm. I don't want to say without harm. Terminating
2:09:01
an engagement is not easy, but
2:09:03
it's without excessive harm. Terminating
2:09:05
a relationship
2:09:07
in which you have
2:09:10
both emotional intimacy and
2:09:12
physical intimacy is
2:09:14
potentially life destroying. It
2:09:18
comes with enormous cost. And so
2:09:20
this gradation of relationships allows
2:09:22
a couple to observe one
2:09:25
another in various scenarios
2:09:28
and environments, but
2:09:30
yet to have the ability
2:09:32
to end it without the
2:09:35
heart-wrenching emotional and physical intensity
2:09:37
that happens if they
2:09:39
are fully engaged and if the relationship
2:09:41
has been sexually consummated. That's
2:09:43
reserved for marriage, which as we'll talk about
2:09:45
in a moment, sees a couple through for
2:09:48
the long term because the commitment carries you
2:09:50
through the emotional instability. Now back to emotional
2:09:52
stability. I don't have a
2:09:54
great proxy for this, but what you want
2:09:56
is enough time to observe the person through
2:09:59
times of emotion. emotional extremes. Is
2:10:01
this person stable? And
2:10:03
then I think an intelligent person,
2:10:05
an intelligent man or woman, would
2:10:08
seek to create external
2:10:10
influences that are
2:10:13
likely to demonstrate emotional stability
2:10:15
or instability. Let me give an analogy
2:10:18
first. When you're learning to
2:10:20
shoot a gun, if you're in the military, the
2:10:22
first thing you do is you learn to stand at
2:10:24
the firing line and you learn to shoot the gun.
2:10:27
And you shoot, shoot, shoot, shoot, shooting
2:10:29
a gun while standing at a firing line on a
2:10:31
firing range is pretty easy. It doesn't require much. How
2:10:35
do you simulate combat? Well, you
2:10:37
can't simulate combat very effectively with
2:10:40
troops safely if there's actually a
2:10:42
risk of this person being injured.
2:10:45
While some elite training and some training
2:10:47
of your may actually have a live
2:10:49
fire exercise where you could get killed
2:10:51
while you're going under the barbed wire,
2:10:53
generally no intelligent military
2:10:56
commander is simulating combat
2:10:58
in a scenario in which you are
2:11:00
going to create the risk of death.
2:11:03
You don't kill your soldiers by training
2:11:05
if you can possibly avoid it. So
2:11:07
what do they do? Well, they find something else
2:11:09
that simulates the basic conditions of
2:11:12
combat. And in firearms
2:11:14
training, that's something like exercise. And
2:11:17
so what they'll do
2:11:19
is to practice your marksmanship
2:11:21
skills. You start with just
2:11:23
cool, calm, collected, putting
2:11:26
in your shots. Then you start running
2:11:28
20 yards. So you sprint 20
2:11:30
yards down, sprint 20 yards back. Now
2:11:32
your chest is heaving, your adrenaline is
2:11:34
pumping, your body's all just going
2:11:37
crazy. Now you got to shoot accurately
2:11:39
with the adrenaline pumping. And that's analogous
2:11:41
to a condition that you'll be in
2:11:43
in combat. Similarly, a trainer will introduce
2:11:45
other forms of stress. They'll introduce light,
2:11:47
they'll introduce loud noises, they'll put a
2:11:49
megaphone up your ear and yell at
2:11:51
you and insult you and criticize you
2:11:53
and tell you you're ugly and shoot
2:11:56
off flashbangs all around you. And so
2:11:58
the stress that that you simulate in
2:12:01
training is designed to cause
2:12:03
the same physical reactions that you're gonna
2:12:05
experience in other times of life, to
2:12:07
see how you respond and learn mechanisms
2:12:09
for responding to them. So what
2:12:11
I would suggest to you, that if you wanna test emotional
2:12:13
stability in someone that you're not married to, you
2:12:16
need to have a period of time
2:12:18
to observe the person in varying conditions.
2:12:20
And it would be smart for you
2:12:22
to introduce variability into that. Let's
2:12:25
imagine that all of your
2:12:27
dates with your prospective spouse
2:12:30
are just lovely dates where we go out
2:12:32
to eat together and we're just happy and
2:12:34
we walk around and we hold hands and
2:12:36
we talk and share and whatnot. Well, your
2:12:39
date is putting on makeup every single
2:12:42
time. He's putting on his best suit.
2:12:44
You're constantly in nothing but idyllic circumstances.
2:12:46
That's great, that's fun. It's
2:12:48
also not a great test of emotional
2:12:50
stability. What is a great test of
2:12:52
emotional stability? Well, let's go out and
2:12:55
let's take a long hike where we
2:12:57
get hot, tired and thirsty and see how do
2:12:59
we do when we're hot, tired and thirsty. Let's
2:13:01
go and get ourselves involved
2:13:03
in some intense emotional situation where all
2:13:06
of a sudden the emotions are high.
2:13:08
It could be exercise, it could be
2:13:10
a game. How does this person respond
2:13:12
in these environments? And you go ahead
2:13:14
and put your creativity to play. But
2:13:16
I think that if you have the ability,
2:13:18
you wanna see your prospective spouse tested in
2:13:20
a variety of situations, not just hey, that's
2:13:23
great, this guy can walk up to the
2:13:25
firing line and shoot a pistol. You
2:13:27
want to insert uncertainty
2:13:29
into the training mechanism so
2:13:32
that there is a good evidence
2:13:35
of long-term stability. This
2:13:38
concludes the genetic traits that I think we
2:13:40
should be looking for. And
2:13:42
I wanna move now to long-term
2:13:45
family traits. So what I mean here
2:13:47
is not things that can be changed
2:13:50
quickly, but what are the
2:13:52
cultural conditions, the environmental
2:13:54
factors that somebody has been exposed to
2:13:56
that are likely to have a deep
2:13:59
and enduring influence. on this
2:14:01
person to relate to how he or
2:14:07
she is going to work in the long
2:14:09
term and especially with a focus on how
2:14:11
will this affect the financial outcomes of my
2:14:13
marriage. So I don't think
2:14:15
these things are physically genetic but they're
2:14:17
environmental but they're not easily changed. I
2:14:20
think one of the first ones especially
2:14:22
in the context of divorce proofing, remember
2:14:24
that second factor, there's three factors. Number
2:14:26
one is short and
2:14:28
long term financial income
2:14:31
growth and basically ability to grow wealth.
2:14:33
The second is expenses, the
2:14:35
highest expense lifestyle being divorce.
2:14:39
The third factor is just long term benefits
2:14:41
for my children. Those are kind of my
2:14:44
three organizing principles here. So what
2:14:47
are these factors then that are long
2:14:49
term and there's going to be a
2:14:51
significant amount of divorce proofing here that
2:14:53
needs to be talked about. The first
2:14:56
one is the durability of marriage among
2:14:58
parents and grandparents and extended family. Durability
2:15:02
of marriage is an important metric to measure
2:15:05
because it's the thing that you
2:15:07
can see objectively that is
2:15:09
not related to what someone says. It's related
2:15:11
to what someone does and it's
2:15:13
something that you have to observe today
2:15:15
because there's probably going to be a
2:15:17
great discrepancy between what someone says and
2:15:19
what someone does. If
2:15:22
I understand the research right now, again,
2:15:24
I would cite here Brad Wilcox's recent
2:15:26
book on marriage, but what
2:15:28
he alleges in his, what he asserts
2:15:30
in his book is that the data
2:15:32
demonstrates that the elite among us, socially
2:15:35
elite are very
2:15:37
likely to say
2:15:40
anything goes. A
2:15:42
social elite is very likely to say, hey, you do you,
2:15:45
you live how you want to live, marry who you want
2:15:47
to marry, love who you want to love. You
2:15:49
do you, you just do whatever you want. But
2:15:52
from a behavior perspective or
2:15:54
from a cultural perspective, someone
2:15:57
who is part of the current social
2:15:59
elite is very. likely to have
2:16:01
very high standards of actual behavior.
2:16:04
And so you're going to get married and you're going
2:16:06
to stay married. You're going to marry someone that's appropriately
2:16:08
suited to you. You're not going to marry a wacko.
2:16:11
There's a strong family and social
2:16:13
pressure for
2:16:15
these things. Now, that's
2:16:18
different than other classes. So although other classes
2:16:20
are also likely now in today's world to
2:16:22
say, hey you do you, you know, do
2:16:24
whatever you live, how you want to live,
2:16:27
and then they follow through on it, there's
2:16:29
also people that profess to have standards like,
2:16:31
oh you got to live this certain way,
2:16:33
but in reality their life doesn't match up
2:16:35
to that. So what can you do? Well
2:16:38
I think you could judge someone by the
2:16:40
durability of marriage among a person's parents or
2:16:42
grandparents, siblings, extended family around. Is
2:16:45
this person surrounded by long and
2:16:47
enduring marriages? Now this
2:16:49
is not necessarily a purely disqualifying
2:16:51
criteria. We know that people whose
2:16:54
parents are married in long-term marriages
2:16:56
with no divorce, they are statistically
2:16:58
more likely to stay in marriages
2:17:01
themselves, but there are the
2:17:03
flip side as well. It's not necessarily
2:17:05
disqualifying, but I think what you're really
2:17:07
meaning that parents divorce, if this
2:17:10
person's parents are divorced, it's not, okay
2:17:12
that's outdone, but what you're
2:17:14
looking for is to really understand
2:17:16
the reasons because somebody's propensity to
2:17:18
marry and divorce is very
2:17:21
much going to be judged, is likely
2:17:23
to be related to good decision-making. Is
2:17:26
this person surrounded by people who
2:17:28
make good decisions focusing on
2:17:30
the long term, focusing on what's best for
2:17:32
the group, focusing on what's best for the
2:17:35
children, for the tribe, or
2:17:37
is it all about short-term gratification? What's best
2:17:39
for me? How do I feel at the
2:17:41
moment? What makes me happy? Is
2:17:44
there a culture where bad decision-makers
2:17:46
are just, oh it's no big
2:17:48
deal, so-and-so, you know, Susie just does, she just, she
2:17:50
got, she was with this guy and she had another
2:17:52
guy because she felt happy because she was with him,
2:17:54
because he just gave her the tickles, or
2:17:57
is there a culture where bad
2:17:59
decision-makers are ostracized and shunned or are
2:18:01
they there
2:18:04
a family pressure towards being smart
2:18:06
making good decisions going to college
2:18:08
choosing your friend group carefully and
2:18:11
maintaining enduring relationships
2:18:13
here's my current working theory
2:18:16
on durability of marriage relationships
2:18:19
I'm guessing that there's about 20% of people in society who are
2:18:24
just naturally inclined to easily
2:18:26
enter into marriage relationships have
2:18:28
them last forever no
2:18:31
problems whatsoever they never even struggle and
2:18:33
try it's just easy for them I'm
2:18:36
also guessing that there's probably 20% of people in society
2:18:38
who are so hopelessly socially
2:18:41
incompetent that there's they probably
2:18:43
have no ability to ever
2:18:45
form a long-term enduring relationship
2:18:47
and and it's just totally
2:18:50
you know they're just hopeless they're
2:18:52
never gonna make it so I'm
2:18:54
guessing that there's those two extremes what
2:18:56
I care a lot about though is the middle 60%
2:18:59
because I think the middle
2:19:02
60% is where we
2:19:04
need strong social pressure and
2:19:06
marriage is one of those things
2:19:08
where that strong social pressure really
2:19:10
really helps and formerly
2:19:13
it seems like we had that
2:19:15
culture broadly speaking as a culture
2:19:17
we shunned and ostracized those who
2:19:19
were divorced we shunned and ostracized
2:19:22
people who were unfaithful to their
2:19:24
spouses we shunned and ostracized people
2:19:26
who made bad decisions and clearly
2:19:29
that culture looked and said hey wait
2:19:31
this is bad this is painful that
2:19:33
was why we invented no-fault divorce they
2:19:35
said well we just you know people
2:19:37
have irreconcilable differences and we just have
2:19:39
to end this again but I would
2:19:42
say those are probably that bottom 20%
2:19:45
but what we've created in the wake
2:19:47
of it is we've created a world
2:19:50
in which there's not much support to
2:19:52
get couples through the hard times and
2:19:55
hard times are as normal and
2:19:57
as expected in marriage as
2:19:59
they are business or in school
2:20:01
or in athletics or in any
2:20:03
other domain of life. The
2:20:06
top 20% have the grit to just
2:20:08
naturally get themselves through the hard
2:20:12
times just with their own
2:20:14
courage. They face enormous difficulties and they just
2:20:16
press through automatically because that's who I am.
2:20:19
In athletics, what we do is we coach that middle 60%.
2:20:22
We say, you can do it. In academics, we say, if you
2:20:24
fail, we're going to coach that middle 60%. In
2:20:27
life and in business, we coach that middle 60%.
2:20:30
We say, dust yourself off but stick with the plan, stick
2:20:32
with the vision. In marriage, we
2:20:35
don't coach that. We've created
2:20:37
a culture in which instead of coaching that,
2:20:39
we just automatically throw in the towel and
2:20:41
we say, no problem. It
2:20:43
seems to me that we need to have that
2:20:45
strong social pressure to keep the middle 60% of
2:20:48
marriages together. That
2:20:51
pressure used to be legal. That
2:20:53
was why no-fault divorce was such a disaster.
2:20:55
It used to be understood that if I
2:20:57
marry you and you marry me, if I
2:20:59
don't commit adultery against you,
2:21:01
I don't abandon you, I don't abuse
2:21:03
you, that you got to stay married
2:21:05
to me. That was the
2:21:07
social contract and that kept people going in
2:21:09
when they were excited and it kept it
2:21:11
through them when they were unexcited and it
2:21:13
provided and protected both people. It
2:21:16
protected men and women. I just said recently,
2:21:18
marriage is a contract
2:21:21
between a man and a woman where
2:21:23
they put in differing amounts at different
2:21:25
times. If a couple
2:21:27
marries young, the woman puts in her
2:21:29
youth, her sexual attractiveness, her childbearing ability,
2:21:31
her willingness to raise children when she's
2:21:33
young and beautiful and every man in
2:21:35
the world wants to be with her.
2:21:38
She chooses a man who has not yet
2:21:40
achieved his potential. When she's
2:21:43
older though, the man is high income
2:21:45
earning, has things to offer her, has
2:21:47
stability, has confidence, has all these things
2:21:49
that he probably didn't have when he was
2:21:52
younger and he still sees that through. Now
2:21:55
though, what we've done is we've destroyed
2:21:57
that social pressure and we have
2:21:59
pulled it apart so
2:22:01
that men and women don't
2:22:04
have the pressure. So
2:22:06
the woman may invest into the
2:22:08
relationship, her beauty, her fecundity, her years
2:22:10
of raising children, then all of a
2:22:13
sudden she's 40 years old and the
2:22:15
man can toss her aside just because
2:22:17
he feels like it. Or
2:22:19
if the man comes along at an older
2:22:22
age and he's wealthy and sophisticated and attractive
2:22:24
and he marries a wonderful attractive woman, then
2:22:26
she can just toss him aside because
2:22:28
she wants half his money in divorce court
2:22:30
with no moral
2:22:32
error on his part. And
2:22:35
so we need that social pressure. Now I don't think we're
2:22:37
going to get any legal social pressure, at least in the
2:22:39
United States anytime soon. So what makes up for it? Well,
2:22:42
it's got to be a family culture. It's
2:22:44
got to be a religious culture. There's got
2:22:46
to be pressure there that is going to
2:22:48
be brought to bear to keep that middle
2:22:51
60% of marriages really strong and
2:22:53
flourishing and give the highest possible
2:22:57
nature of it. And so there's got
2:22:59
to be pressure that if I marry
2:23:01
this woman and we have
2:23:03
a big fight and she goes home crying
2:23:05
to mama and she's telling mommy,
2:23:07
oh, he said all these things mean things and
2:23:09
whatnot, you want to have the confidence to know
2:23:11
that her mother is going to say, all right,
2:23:14
honey, cry, cry, cry. Now go back and see
2:23:16
your husband. Not that
2:23:18
her mother is going to say to her, oh,
2:23:20
honey, maybe you'd be better off with someone else.
2:23:23
You got to have the confidence that you got to have
2:23:25
the confidence that if you're going to marry this man and
2:23:27
you're going to turn 30, then he's
2:23:30
going to go to his dad and he's going to say,
2:23:32
you know what, she's, you know, she didn't lose that last
2:23:34
10 pounds after having our third baby. Maybe
2:23:36
I should trade her in. You want to have the
2:23:38
confidence that his dad's going to look him in the
2:23:40
face and pull out a belt and say, you idiot,
2:23:42
don't ever let me hear you say something like that
2:23:44
again. Not, well, after all, you know, maybe you could
2:23:46
go and find another, another
2:23:48
young sexy something or other. I'm
2:23:51
using Garish
2:23:54
stereotypes to try to demonstrate the
2:23:56
point that you want to be
2:23:58
marrying into a culture that's. Going
2:24:00
to promote your marriage and so
2:24:02
you need to look for those
2:24:04
long term family traits in order
2:24:06
to divorce proof your relationship? What
2:24:08
about the quality of. Relationships.
2:24:11
I think you should look very carefully. What
2:24:13
is the quality of parents and grandparents marriage
2:24:15
relationships? I think in general the natural inclination
2:24:17
as the husbands are probably going to treat
2:24:20
their wives about how they watch their fathers
2:24:22
treat their mothers at least to start with.
2:24:24
And so if you're a woman and you're
2:24:26
looking at a man, you should go and
2:24:28
look and see how does his father treat
2:24:30
his mother and observe and say to i
2:24:33
like that I think wives and genoa probably
2:24:35
going to treat their husbands about how they
2:24:37
watch their mothers treat their fathers at least
2:24:39
to start with. So. If you're a man
2:24:41
is just and woman go spend some
2:24:43
time watching. How does her mother treat
2:24:46
her father? Do you like that and
2:24:48
you want this person to three you
2:24:50
the way that you observe if you
2:24:52
see problems in that not necessarily disqualifying
2:24:54
but does your perspective spouse also see
2:24:56
those problems and does your spouse have
2:24:58
a desire to change. folks.
2:25:00
Think about these things from the
2:25:03
quality and durability of relationships. I
2:25:05
think you should look carefully at
2:25:07
what is the family history of
2:25:10
financial success. I don't believe that
2:25:12
that that financial success as a
2:25:14
matter of genetics. ah, history. at
2:25:16
least not currently. But I think
2:25:19
that the if you consider your
2:25:21
potential spouse has history of financial
2:25:23
success, it can provide insights into
2:25:26
genetic and cultural predispositions toward wealth
2:25:28
accumulation. So what are you looking?
2:25:30
For responsible financial management, long term
2:25:32
thinking. People have a strong locus
2:25:34
of control recognize that they're in
2:25:36
charge of their situation rather than
2:25:38
other people on. Look for a
2:25:40
history of entrepreneurial endeavors. Look for
2:25:42
a high appreciation of academics and
2:25:44
A and an honoring of people
2:25:46
who are. Who are
2:25:48
skilled and and highly educated. Look
2:25:51
for generational wealth. These these are
2:25:53
all are related to cultural factors
2:25:55
that are likely to lead to
2:25:58
your family being a. Did
2:26:00
you Sikkim? You later of wealth? On
2:26:03
a very practical level, it all comes
2:26:05
down to what's going to be the
2:26:07
courage myths f u cel and start
2:26:09
a business. What? Her parents gonna
2:26:11
say are they going to say absolutely should start
2:26:13
a business and let let us let us be
2:26:15
your first customer Or they can say oh I
2:26:18
think that's risky. You probably shouldn't. What?
2:26:20
If you say you know I'm I'm
2:26:22
learning about investing. Do you have any
2:26:24
tips for me? You'll sit around. talk
2:26:26
about sports Ball You want? Peep a
2:26:28
family was gonna talk about Investing. You
2:26:31
want a family where money is honored
2:26:33
and and appreciated and and focused on
2:26:35
as it as a topic of conversation.
2:26:37
It'd be much easier for you to
2:26:39
be successful in business, to be a
2:26:41
successful investor, to be successful and financial
2:26:44
management if you had a family culture
2:26:46
and with your lauded for your wise
2:26:48
decisions and your frugality and your conscientiousness.
2:26:50
Rather than where your made fun of
2:26:52
for those factors and so recognize that
2:26:55
the family history of financial success is
2:26:57
going to be a big factor on
2:26:59
you and it's going to be a
2:27:01
factor on even just the nature of
2:27:04
your relationships is. That. If you're
2:27:06
a man and you grew up. And
2:27:08
you're considering a woman who watched
2:27:10
her father grow up working long
2:27:12
hard hours and saw them, saw
2:27:14
him struggle when he was young,
2:27:16
but now sees him as wealthy
2:27:18
and accomplished and able to enjoy
2:27:21
the fruit of his labors she's
2:27:23
gonna. He's gonna really appreciate your
2:27:25
long hard work much more than
2:27:27
if she just. Never. Had
2:27:29
any exposure to that and she's wine
2:27:31
with Five O'clock You need to be
2:27:34
here. Snow, She understands that you're gonna
2:27:36
need to make a sacrifice to be
2:27:38
successful in business. Conversely, let's say that
2:27:40
your wife, your potential wife, grew up
2:27:42
watching a man who was just a
2:27:45
lazy jerk and the her whole life
2:27:47
he just was a total loser. And
2:27:49
so you don't wanna be a loser,
2:27:51
You want to make something of yourself.
2:27:53
But what if he doesn't expect you.
2:27:56
To. make something of yourself she doesn't think that's
2:27:58
likely to be worth it. She's not going
2:28:00
to push you. She's not going to encourage
2:28:02
you. She's just going to assume, well, man,
2:28:05
I'm married to, likely to be a lump, just like
2:28:07
my dad. You don't want that. You want a wife
2:28:09
who's going to push you, who's going to encourage you,
2:28:11
who's going to, you know, if you're sitting around, because
2:28:13
you got, got laid off,
2:28:15
you don't want a woman who's going to say, well, honey,
2:28:17
why don't you just sit around in the house and the
2:28:20
couch and mope? You want a woman who says,
2:28:22
get out the door and go find a job. And
2:28:25
here's a kick in the butt. That's what you're looking
2:28:27
for is a woman who will drive you and push
2:28:29
you on. And a lot of that is going to
2:28:31
be driven by what she observed. Let's
2:28:33
say that you are interested in a woman
2:28:36
whose father treated her
2:28:38
very, her mother very
2:28:40
poorly, who committed adultery against
2:28:42
her or who constantly made,
2:28:45
didn't see to her needs, didn't see
2:28:47
to her luxuries, never had enough money
2:28:49
for anything. Well, now all of a
2:28:51
sudden, there's a good chance that
2:28:53
your wife is not going to be able to
2:28:55
trust you and your willingness to provide for her
2:28:57
and your ability. She's going to feel like I've
2:28:59
always got to have my own reserve set aside.
2:29:01
I can't trust him. I've got to make sure
2:29:03
that I make money. All this stuff goes very
2:29:05
deep is the point. And so you want to
2:29:07
look and see what is the family history related
2:29:09
to finance and how is that going
2:29:12
to impact our financial culture? What
2:29:14
you're looking for is a culture of financial
2:29:16
prudence and wise decision-making.
2:29:18
It's not about the
2:29:20
actual dollar figures involved
2:29:23
necessarily. That certainly helps.
2:29:25
If you can marry a man whose dad
2:29:27
earned, you know, eight figures instead of five
2:29:29
figures, do it. Because there's a decent chance
2:29:31
that the man that you're going to marry
2:29:33
is more likely to earn eight figures instead
2:29:36
of five figures. Go for it. But
2:29:38
it's not so much about the dollar
2:29:40
figures. It's more about what is, how
2:29:42
do, how are decisions made. You
2:29:45
can have somebody that you're interested in who's
2:29:47
driving a very expensive car. Maybe
2:29:50
it's a really high-end Mercedes. That
2:29:52
really high-end Mercedes can represent
2:29:54
every last bit of money that this
2:29:57
person can scrape together out of his
2:29:59
monthly budget. it to buy on payments
2:30:01
to pay the lease payment or
2:30:03
it can represent just a completely negligible amount
2:30:05
of financial wealth for the family and it
2:30:08
just we just drive nice cars it's a
2:30:10
nice car and it doesn't even matter. So
2:30:12
you can't judge it based upon the dollar figures
2:30:15
of consumption. What you need to judge it based
2:30:17
upon is what kind of
2:30:19
consumption is rewarded and what kind of
2:30:21
consumption is made fun of. In
2:30:23
a wealthy family if somebody goes out and buys
2:30:25
in a truly wealthy family not an aspirational not
2:30:28
someone who's trying to lie their way into wealth.
2:30:30
Somebody goes out and buys a really high-end
2:30:32
car and can't afford easily to
2:30:34
buy it five times over with the
2:30:37
tiny percentage of this year's profit portfolio, the wealthy
2:30:39
family is gonna make fun of that guy. What
2:30:41
are you doing? You're stupid. You don't do that.
2:30:44
You always build the you don't you don't kill
2:30:46
the goose that lays the golden eggs. You nurture
2:30:48
the goose and you only spend the eggs. So
2:30:51
a wealthy family is gonna make
2:30:53
fun of somebody who makes a dumb
2:30:55
financial decision and you're gonna feel a
2:30:57
strong desire
2:31:00
to make a smart financial decision
2:31:02
to honor your parents. That's why
2:31:04
many times you'll see wealthy
2:31:06
people want to make sure their children are not
2:31:08
born with a silver spoon in their mouth. They
2:31:11
want to make sure they go out and experience
2:31:13
life the hard way. And so if you say
2:31:15
to a wealthy person I'm gonna
2:31:17
make this different choice because I'm saving my money,
2:31:19
you're not gonna lose faith or lose status. You're
2:31:21
gonna gain faith and gain status because you're willing
2:31:24
to be assertive related to your money. On
2:31:26
the other hand if there's a family that is
2:31:28
just flagrantly
2:31:30
consuming every dollar in
2:31:33
high consumption living and ever building something,
2:31:36
then you're gonna be chained eternally to
2:31:38
spending money that you don't have because
2:31:40
there's gonna be this pressure from
2:31:43
your potential spouse to spend money, spend
2:31:45
money non-stop on these things that you
2:31:47
can't afford. So try
2:31:50
to look and understand what these
2:31:52
long-term features
2:31:55
are in your potential relationship.
2:31:58
Now not all of the rates are going
2:32:00
to be financial. So it's not all
2:32:02
just a function of money.
2:32:05
What you really need to be thinking
2:32:07
about is divorce proofing as well. The
2:32:10
biggest financial problem that most people face
2:32:12
that can just wipe them out is
2:32:14
often going to be divorced. So how
2:32:17
do you divorce proof a marriage? Obviously
2:32:20
there's a whole show here and I'm already at
2:32:22
two and a half hours in. But let's
2:32:25
start with just a little establishment of vision.
2:32:29
I'm pulling this from a book
2:32:32
by relationship researcher and guru
2:32:34
John Gottman called Seven Principles from Making
2:32:36
Marriage Work. But here's what
2:32:39
he says in the introduction to that book under
2:32:41
a section titled The Purpose of Marriage. In
2:32:44
the strongest marriages, husband and wife
2:32:47
share a deep sense of meaning.
2:32:50
They don't just get along. They also
2:32:52
support each other's hopes and aspirations and
2:32:54
build a sense of purpose into their
2:32:56
lives together. That is really what
2:32:58
I mean when I talk about honoring and respecting each
2:33:01
other. Very often a marriage's
2:33:03
failure to do this is what
2:33:05
causes husband and wife to find
2:33:07
themselves in endless, useless
2:33:09
rounds of argument or to feel isolated
2:33:11
and lonely in their marriage. After
2:33:14
watching countless video tapes of couples fighting,
2:33:16
I can guarantee you that most quarrels
2:33:19
are really not about whether the toilet lid is up
2:33:21
or down or whose turn it is to take out
2:33:23
the trash. There are deeper
2:33:25
hidden issues that fuel these superficial conflicts
2:33:28
and make them far more intense and
2:33:30
hurtful than they would otherwise
2:33:32
be. Once you
2:33:34
understand this, you will be ready to
2:33:36
accept one of the most surprising truths
2:33:39
about marriage. Most
2:33:41
marital arguments cannot be
2:33:43
resolved. Couples spend year
2:33:45
after year trying to change each other's mind,
2:33:47
but it can't be done. This
2:33:50
is because most of their disagreements
2:33:52
are rooted in fundamental differences of
2:33:54
lifestyle, personality, or values. By
2:33:57
fighting over these differences, all they succeed in
2:33:59
doing is... wasting their time and harming
2:34:01
their marriage. Instead, they need
2:34:03
to understand the bottom line difference that is
2:34:05
causing the conflict and to learn how to
2:34:08
live with it by honoring and respecting each
2:34:10
other. Only then will they be
2:34:12
able to build shared meaning and a sense of
2:34:14
purpose into their marriage. So
2:34:17
at its core, recognize that the
2:34:19
quality of your relationship is
2:34:22
largely determined by these factors
2:34:24
of long-term vision. And
2:34:27
don't expect the person you're marrying to change.
2:34:30
That's why you want to
2:34:32
spend time prior to marriage observing
2:34:35
and carefully concerned
2:34:37
how is our relationship working out.
2:34:40
That's why we have dating and courtship
2:34:42
and engagement and then marriage. So
2:34:45
judge your relationship and say,
2:34:47
do I naturally have a
2:34:49
high-quality relationship with good communication
2:34:51
skills and mutual respect? Do we
2:34:53
have good problem-solving ability? Do we have
2:34:56
the ability to work on the relationship
2:34:58
in a relatively easy way? Divorce
2:35:01
is fairly predictable. Let
2:35:03
me read from the same book called, again,
2:35:07
this is John Gottman, Seven Principles from Making
2:35:09
Marriage Work titled, Predicting
2:35:11
Divorce with 91% Accuracy. Thanks
2:35:14
to decades of research, these questions can finally
2:35:17
be answered. In fact, I can predict with
2:35:19
great precision whether a couple will stay happily
2:35:21
together or lose their way after listening to
2:35:24
them interact for as little as 15 minutes.
2:35:27
Over seven separate studies, my accuracy
2:35:29
rate in making such predictions has
2:35:31
averaged 91%. In
2:35:34
other words, 91% of the cases where I
2:35:36
predicted that a couple's marriage would eventually either
2:35:38
fail or succeed, time proved me
2:35:41
right. I don't think my success
2:35:43
in foretelling divorce earns me any bragging
2:35:45
rights because it isn't due to some
2:35:47
superhuman perception or intuition. Instead,
2:35:49
it rests solely on the science. The
2:35:52
decades of data my colleagues and I
2:35:54
accumulated. And
2:35:57
then subsequently, emotionally, Emotionally.
2:36:00
Intelligent Marriages. What can make
2:36:02
a marriage work is surprisingly
2:36:04
simple. Happily married couples
2:36:06
aren't smarter, richer, or more psychologically
2:36:08
astute than others, but in their
2:36:10
day to day lives, they have
2:36:12
hit upon a dynamic the kids
2:36:14
that keeps their negative thoughts and
2:36:16
feelings about each other which all
2:36:19
couples have from overwhelmingly positive ones.
2:36:21
Rather than creating a climate of
2:36:23
disagreements and resistance, they embrace each
2:36:25
other's needs when addressing apart as
2:36:27
a quest. Their motto tends to
2:36:29
be a helpful yes and rather
2:36:31
than yes, but this positive attitude
2:36:34
not only allows. Them to maintain
2:36:36
but also to increase the sense
2:36:38
of romance. Play. Fun,
2:36:40
adventure and learning together that are
2:36:42
at the heart of any long
2:36:45
lasting love affair. They have what
2:36:47
I call and emotionally intelligent marriage.
2:36:50
Emotional intelligence become widely recognized as
2:36:52
an important predictor of a child
2:36:54
success later in life. The more
2:36:56
in touch with feelings in the
2:36:58
better able a child is to
2:37:00
understand and get along with others,
2:37:02
the sunny of that child's future.
2:37:04
Whatever his or her academic I
2:37:06
q, the same is true for
2:37:08
spouses. The more emotionally intelligent a
2:37:10
couple, the better able they are
2:37:12
to understand. Honor. And respect
2:37:14
each other and their marriage the more
2:37:17
likely that they will indeed live happily
2:37:19
ever after. Just as parents can teach
2:37:21
their children emotional intelligence, this is also
2:37:23
a skill that couples can learn. As
2:37:26
simple as it sounds developing, this can
2:37:28
keep husband and wife on the positive
2:37:30
side of the divorce odds. I was
2:37:32
intending to go in and talk about
2:37:35
divorce proofing. He has his great chapter
2:37:37
in this book where he specifically goes
2:37:39
through. It's as okay. well let's talk
2:37:41
about it at least for the signs
2:37:43
of what causes a marriage to. go
2:37:46
bad how i predict divorce but it would
2:37:48
probably take the about an hour to go
2:37:51
through it so let me just said outside
2:37:53
he would just encourage you spend some time
2:37:55
reading about marriage reading about divorce and make
2:37:57
sure you understand what you're looking for especially,
2:38:00
and again, this episode is geared
2:38:02
towards people who are
2:38:05
not married. That's what I'm hoping to reach. So if
2:38:07
you are married, then you need to teach this to
2:38:09
your children. The great problem,
2:38:11
one of the great problems that
2:38:14
people face is in our culture,
2:38:16
we don't talk enough about
2:38:18
the simple things that lead to
2:38:20
positive and negative outcomes related to
2:38:22
marriage. And so because we're not
2:38:24
talking about them enough, people are
2:38:26
spending their time largely making decisions
2:38:28
based upon emotional attraction.
2:38:33
Emotions are a fundamentally important component
2:38:35
of a high quality marriage relationship.
2:38:38
They are not the only
2:38:40
component. They are the sauce
2:38:43
on top of the food that makes the
2:38:45
food incredibly delicious and savory, but
2:38:48
they're not what sticks to your ribs. They're not what
2:38:50
keeps you going through to the next meal. Teach
2:38:54
your children what to look for. If you're
2:38:57
young, think about what to look for and
2:38:59
be willing to have standards
2:39:02
and important characteristics that
2:39:04
you think are important that you're looking
2:39:06
for. The next thing to look
2:39:08
for is financial resilience
2:39:11
and flexibility. And I repeat, I'm not
2:39:13
trying to lay out all of the
2:39:15
cure components of a happy, healthy marriage.
2:39:18
There are many, many things. I'm trying to focus
2:39:20
on what are those things that are probably going
2:39:22
to make a big difference to the finances of
2:39:25
a marriage. And some of them are important
2:39:27
to keep the marriage going, but
2:39:29
then I'm just focusing on the things that are
2:39:31
financial. You will have all kinds of other things
2:39:33
that you appreciate and look for in marriage beyond
2:39:36
these factors. But you want to
2:39:38
look for financial resiliency and flexibility in
2:39:40
your proposed spouse. For
2:39:44
men, maintaining a wife in style is
2:39:46
a very real goal for most men.
2:39:49
It brings me enormous satisfaction
2:39:52
to give my wife nice things, to
2:39:55
spend money on her. I
2:39:58
derive enormous amounts of pleasure. out
2:40:00
of it, similarly to my children.
2:40:03
It makes me happy to provide
2:40:05
luxuries for her. So
2:40:07
maintaining a wife in style is a very
2:40:09
real and satisfying goal for most men. Having
2:40:13
to maintain a wife in style will
2:40:16
poison a relationship. Her
2:40:20
expecting to be maintained in
2:40:22
style would eliminate
2:40:24
all the pleasure from my
2:40:27
relationship. And it's one of
2:40:29
these interesting dichotomies that if you
2:40:31
as a woman are generally
2:40:33
low maintenance, you don't have a
2:40:35
lot of needs, a lot of
2:40:37
desires, your man is
2:40:40
likely to do everything he
2:40:42
can to provide every luxury
2:40:44
and nicety that is within his ability.
2:40:47
And he'll love doing it. But
2:40:49
if you turn around and you start setting
2:40:51
conditions and having requirements that
2:40:54
this is how I have to be maintained,
2:40:57
then it will poison your
2:40:59
relationship. So be careful
2:41:02
about people who have high standards.
2:41:04
Make sure that the person that
2:41:06
you are interested in is resilient
2:41:08
and flexible, knows how to
2:41:10
be a based and knows how to abound,
2:41:13
knows how to live in luxury and
2:41:15
in style and knows how to live
2:41:17
in simplicity and in the basic
2:41:20
way, knows how to travel
2:41:22
in luxury and knows how to
2:41:24
travel in poverty. Just
2:41:26
imagine that you're
2:41:28
a woman and you're married to a man who I just
2:41:31
can't eat. I just can't. I
2:41:33
just can't unless everything is just right.
2:41:35
Unless your house is exactly the way
2:41:37
it's supposed to be. Unless you maintain
2:41:39
him exactly in style or a wife,
2:41:41
I just can't sleep in that. Eww,
2:41:43
I can't. What an obnoxious,
2:41:46
persnickety people are annoying to live with.
2:41:49
And so you should develop
2:41:51
a way of testing the financial
2:41:53
resiliency and flexibility of your
2:41:56
proposed spouse. I
2:41:59
would recommend to you that you try
2:42:02
to schedule something that is really
2:42:04
high-end, a black-tie
2:42:06
ball, a beautiful gala, an
2:42:09
elaborate weekend away and see how
2:42:12
does my proposed spouse
2:42:14
do in finery and luxury
2:42:17
and sumptuous surroundings?
2:42:19
Does he know his way around
2:42:21
the dessert fork and the silverware?
2:42:23
Does he understand how to be
2:42:26
comfortable in high society? I
2:42:29
would also propose that you take
2:42:31
a camping trip or a mission
2:42:33
trip in an incredibly impoverished area
2:42:35
and you don't have access to
2:42:37
a shower for three days and
2:42:40
you sleep on the ground and see
2:42:42
how does my proposed spouse do with
2:42:44
these very basic and primitive conditions? You
2:42:46
want to make certain,
2:42:49
if you want your marriage
2:42:51
to result in long-term
2:42:54
wealth accumulation, then
2:42:56
there will be times in which
2:42:58
you can enjoy luxury as a family
2:43:00
and there will be times in
2:43:02
which you will need to tighten your
2:43:04
belts and enjoy lack and you
2:43:06
can, if you marry the right person
2:43:09
and you have the right characteristics
2:43:11
yourself, you can enjoy luxury and you
2:43:13
can enjoy lack. That's what
2:43:16
you're looking for. Next,
2:43:18
look for someone who has
2:43:20
an appreciation of financial reality.
2:43:23
Notice I didn't say literacy yet. What
2:43:25
I mean is reality. Your partner
2:43:28
needs to be living in the real world. Imagine
2:43:30
your family is deep in debt, you're working
2:43:33
day and night to get out of debt
2:43:35
and your wife is out getting multi hundred
2:43:37
dollar beauty treatments or your
2:43:40
family is deep in debt and you're working day and night
2:43:42
to get out and your husband is out shopping for a
2:43:44
new gun or new
2:43:46
$300 hunting boots or whatever it is.
2:43:48
Just imagine, like you have to be,
2:43:51
you want to marry someone who can
2:43:53
understand reality. Your spouse
2:43:55
needs to understand that finances are
2:43:57
real and must be respected. You're
2:44:00
not made of money. There are limits and
2:44:03
your finances are going to go up and
2:44:05
down and you need to be married to
2:44:07
somebody who's willing to respect limits. In
2:44:10
financial counseling, one of the things I've encountered time
2:44:12
and time again is a couple
2:44:14
who everything was going great until all of a
2:44:16
sudden there were limits and all of a sudden
2:44:19
she went out and spent crazy amounts of money
2:44:21
on the credit card or he went out and
2:44:23
bought a new truck or just crazy
2:44:25
things like that. And so you
2:44:27
need to understand that reality and be
2:44:29
able to communicate from a perspective of
2:44:32
reality. Marry somebody
2:44:34
who has an appreciation of financial reality.
2:44:37
Next, marry somebody who has
2:44:39
good financial literacy, an
2:44:41
understanding of the basics of
2:44:44
financial literacy and a willingness
2:44:46
to learn. I
2:44:50
started with the big genetic things that can't be
2:44:52
overcome in someone's lifetime. Then I moved on to
2:44:55
the things that probably were sewed into your perspective
2:44:57
spouse for 20 years by his
2:44:59
or her upbringing. Financial
2:45:01
literacy I would say again can be taught
2:45:03
in six weeks to six
2:45:05
months. Almost everything can be
2:45:07
taught in weeks to months that's
2:45:10
related to the day to day running of
2:45:12
financial affairs. It's
2:45:16
important but this is the most
2:45:18
easily overcomeable thing especially if you
2:45:20
have willingness to learn. If
2:45:23
the person that you are interested in is
2:45:25
not good with money, whatever
2:45:27
that means, I would
2:45:30
not automatically disqualify that person.
2:45:33
I don't think being good with money
2:45:35
is a particularly difficult hurdle to overcome
2:45:38
if all these other things are
2:45:40
there. There are lots of
2:45:42
people who are not good with money and a few
2:45:44
years later they're multi-millionaires. These
2:45:46
are the learnable, easily acquireable skills.
2:45:51
If somebody has a willingness to learn. Having
2:45:54
a willingness to learn and an interest
2:45:56
in financial topics is enormously helpful. Remember
2:45:59
this. In order for you
2:46:01
to become wealthy, your
2:46:04
family is going to have to optimize
2:46:06
in at least something in order to
2:46:08
make that happen, assuming that you're not
2:46:11
inheriting wealth. You can
2:46:13
optimize for income, you
2:46:15
can optimize for low expenses, or
2:46:18
you can optimize for investment prowess
2:46:20
and knowledge. Any one
2:46:23
of those things optimized will work. If
2:46:26
you can optimize two of them, it'll work fast.
2:46:29
And then if you can optimize three of them,
2:46:31
you've got a slam dunk, home run, shortcut to
2:46:33
wealth. That was that
2:46:35
for a mixed metaphor, huh? The
2:46:37
point is that you've got to optimize something. And
2:46:41
so you want to think about where
2:46:43
the interests are of each
2:46:45
spouse. And think
2:46:47
about where would be the optimization. How are we going to
2:46:49
work together as a team? And
2:46:52
then is my spouse willing to learn?
2:46:55
Is there an expression of willingness?
2:46:58
I think it works really
2:47:00
well in marriages for individualized to
2:47:02
specialize in at least one of
2:47:05
those dimensions. Again,
2:47:07
income, expenses, or investments. The
2:47:13
most frustrating, almost
2:47:16
guaranteed failure is this. How could you
2:47:18
be married and probably not
2:47:21
generate much wealth? I
2:47:23
would say it's probably if you
2:47:26
have a dual income family
2:47:29
who are earning average amounts of money at a W-2
2:47:31
job, spending
2:47:33
most of their money on consumption,
2:47:36
and if they're investing at all,
2:47:38
investing poorly based upon hot stock
2:47:40
tips. That's the
2:47:42
worst. You have high taxes
2:47:44
paid. You have no specialization. Husbands and wives
2:47:47
are basically roommates that each contributes a little
2:47:49
bit to the pot and each takes out
2:47:51
of the pot. And there's no function of
2:47:53
this thing, this enterprise,
2:47:56
this family enterprise isn't going
2:47:58
anywhere. If we
2:48:00
look at our surroundings, we can
2:48:02
see many different models of success
2:48:05
as to how a couple can
2:48:07
build something that is truly successful.
2:48:09
And there's not only one. There
2:48:11
are many models. Here are some
2:48:13
of the models that I see most of
2:48:15
the time. The first model can
2:48:18
be that one spouse optimizes
2:48:21
income and the
2:48:23
other spouse optimizes the lifestyle and
2:48:25
expenses. Here you've
2:48:28
seen this historically has been where a
2:48:30
husband has optimized income, had a
2:48:33
job, earned a lot of money, built a
2:48:35
business, worked really hard at it, and his
2:48:37
wife manages the house. The wife
2:48:39
manages the household and all of the expenses.
2:48:42
Traditionally in very
2:48:44
patriarchal societies, it's very common.
2:48:47
Husband goes to work, brings home the
2:48:49
paycheck, hands his wife the paycheck. She
2:48:51
gives him the spending money that she
2:48:54
has and she maintains ironclad control of
2:48:56
the family's finances. She
2:48:59
invests, she runs the family household budget,
2:49:01
she runs the finance, the investment things,
2:49:03
she takes care of the children, she
2:49:05
does all that stuff. And he works
2:49:07
and provides the income. And
2:49:09
that's a very traditional, very successful model that
2:49:11
works all around the world. And
2:49:14
it's a matter of one spouse optimizing
2:49:16
income, the other spouse, usually the wife,
2:49:18
optimizing the lifestyle for the family and
2:49:21
then running expenses and running investments. Now
2:49:24
if both spouses are going to
2:49:26
optimize income, what usually seems
2:49:28
to be the case is that
2:49:30
both spouses aren't optimizing jobs. On
2:49:34
the contrary, if both spouses are optimizing
2:49:36
income, it usually works well if one
2:49:38
has flexibility, as in
2:49:40
run my own business, have flexible hours. You
2:49:44
can make it work if both spouses just
2:49:46
have high incomes, but it can be really
2:49:48
annoying. I worked a number of years ago
2:49:50
with a couple, wonderful
2:49:52
couple, wife was a pharmacist, husband was
2:49:54
a physical therapist. They both were really
2:49:56
good at what they did, but they
2:49:58
both had jobs. where they had to
2:50:00
be in the office in a certain number of
2:50:03
days. They had two or three children and they
2:50:05
were working really hard on raising their children and
2:50:07
basically they never had a day off together because
2:50:10
they each had to have a day where they
2:50:12
were working and they had babysitters
2:50:14
some of the times but they were very devoted
2:50:16
parents and basically what they gave up is they
2:50:18
almost never had a day off together because one
2:50:21
of them was working each of the seven days per week
2:50:24
and that was a really frustrating lifestyle for them and
2:50:26
so what can work well if both spouses are
2:50:28
gonna have a job or a career, then
2:50:31
one builds more of a flexible business
2:50:33
that with the ability to adjust hours,
2:50:35
the other has the job. That
2:50:38
can work. Another one that works is
2:50:41
where one spouse really focuses on investments.
2:50:43
This is one I've seen very frequently profiled
2:50:45
among wealthy families. Usually, husband
2:50:48
has a business, does
2:50:50
pretty well with business, wife
2:50:53
takes care of the home but
2:50:55
has something like a real estate
2:50:57
investment business. It
2:50:59
doesn't have to be real estate, can be anything if she's
2:51:01
got an interest in stocks. Companies have known a couple of
2:51:03
ladies who are into that but it seems like a very
2:51:06
male-dominated field. Real estate seems to
2:51:08
really fit with what many women are
2:51:10
interested in. My mom was always the
2:51:12
queen of getting deals. She
2:51:14
loved getting deals. Well, maybe
2:51:16
it's a, I don't know, maybe it's an innate
2:51:18
female trait to shop for sales and things like
2:51:20
that. Well, you can shop for sales
2:51:23
on clothes that your family needs and
2:51:25
food that your family needs and you
2:51:27
can also shop for sales on investment
2:51:29
houses that your family needs. Then it's
2:51:31
the same basic instinct, the same basic
2:51:33
skills just extrapolate it out to a
2:51:35
bigger level. And so having one spouse
2:51:37
be really focused on optimizing the investments
2:51:39
can work really well. I've seen
2:51:41
this with husbands as well. Remember that with
2:51:43
investing, there's a point in time in which
2:51:45
your income is the most important factor. Then
2:51:47
as your wealth starts to grow, then now
2:51:49
your investing prowess becomes the most important thing.
2:51:51
And the management of your portfolio, once you
2:51:53
have a lot of assets, is much more
2:51:55
important than the amount of income that you're
2:51:57
earning and contributing to the portfolio. So
2:52:00
husband really takes a deep interest
2:52:02
in the investment portfolio. Wife
2:52:04
has a job. I've seen this a lot of times with people who
2:52:06
have a passion job, something like school teaching. Husband
2:52:09
trades stocks every morning, spends his time at
2:52:11
home trading stocks. Wife is a
2:52:13
school teacher. They have a really great life
2:52:15
together. She works for the social outlet of
2:52:17
it and his investment work runs kind of
2:52:19
the family enterprise. You
2:52:22
can make many different models work.
2:52:24
The key principle is this, look
2:52:28
for a spouse that complements
2:52:30
you, not simply duplicates you.
2:52:35
One of the things I learned that makes for
2:52:37
a successful business partnership is
2:52:40
that in order for a business partnership
2:52:42
to work for the long term, the
2:52:45
partners have to believe that they're better
2:52:47
off together than apart. There
2:52:51
has to be a synergy to their relationship
2:52:53
where one plus one is more than two.
2:52:57
If you have a partner who's really
2:52:59
good at repairing
2:53:01
and refinishing wooden floors
2:53:04
and he's friends with someone else who's really
2:53:07
good at repairing and refinishing wooden floors and
2:53:09
they say, hey, tell you what, let's team
2:53:11
up together and let's go out and build
2:53:13
a business where we go and repair and
2:53:16
refinish wooden floors, just
2:53:18
because we're both good at repairing and refinishing
2:53:20
wooden floors, that's probably not a partnership
2:53:22
that's destined for long term success. It's
2:53:25
fun in the short term because we can
2:53:27
do floors together. We like being together. It's
2:53:30
fun. But then five years
2:53:32
in, one of the partners wants to work six days a week
2:53:34
and the other wants to work four days a week. One wants
2:53:36
to start at six and go till six. The other wants to
2:53:38
start at 10 and go till four. We
2:53:40
start to have a frustration about, wait a second, why don't you
2:53:42
want to do as many floors as I do? Unless
2:53:45
There's just this amazingly strong compatibility of personality,
2:53:47
they start to suspect that they're probably better
2:53:49
off by themselves because after all, why are
2:53:51
we splitting the profit when in reality I
2:53:53
could be making more and keeping more if
2:53:56
I just did it on my own? We
2:53:58
Don't add to each other. Those
2:54:00
partnerships don't work. What?
2:54:03
What does work is if you really like refinishing
2:54:05
wooden floors and I really like selling in finding
2:54:07
clients then we have a match made in heaven
2:54:09
because I can go out and I could spend
2:54:11
my time selling him and having clients. You can
2:54:13
spend your time running the floor polisher or the
2:54:15
floor pilots and crews and both of us do
2:54:18
what we live. We don't have to do what
2:54:20
we don't like and if I manage all the
2:54:22
books for you and I mean to sales and
2:54:24
all you gotta do a show up and do
2:54:26
floors then you're happy and of on the other
2:54:28
hand if I don't ever have two floors but
2:54:31
I get to do what I like. Them
2:54:33
were happy with. We realize we're
2:54:35
better off together on think the
2:54:37
same principle applies to spouse or
2:54:39
relationships. Husbands and wives that complement
2:54:42
one another that bring different skill
2:54:44
sets, different personalities or hardness. A
2:54:46
softness. A skill. Here the compliments
2:54:48
that skill there and from a
2:54:50
financial perspective brings a different varieties.
2:54:53
These couples seem to. I
2:54:55
think really work and because they
2:54:57
provide what each other provides. There's.
2:55:02
No magic formula for this. I think
2:55:04
here is where you're gonna. I
2:55:07
would revert say you'll know how someone makes you
2:55:09
feel It seems like some couples on a listen
2:55:11
to them. They loved Talk About Work at the
2:55:13
dinner Table because they work in the same field
2:55:15
and they works amazingly well together. I was think
2:55:18
about Will Durant's and his wife who he married
2:55:20
very young and they just were this lifetime team
2:55:22
duo of incredibly publishing's They just love their work
2:55:24
together. They seem to have a productive married but
2:55:27
then there's people who just don't ever want to
2:55:29
talk about business with my wife because that's not
2:55:31
what she's into is not what I'm into a
2:55:33
type of a business other people but they also
2:55:36
have really productive. relationships i don't
2:55:38
know of any rule that is
2:55:40
the best keith's i just think
2:55:42
that that you want to have
2:55:44
a complimentary skill sets any success
2:55:46
model can work the ones i
2:55:48
see work most frequently are the
2:55:51
one where ones where the husband
2:55:53
optimizers the income and the income
2:55:55
generations and the wife optimizers the
2:55:57
expense management the in the lifestyle
2:55:59
management's making sure the children are doing their
2:56:01
homework so they're gonna go to the elite schools
2:56:03
where they're gonna meet smart women and
2:56:05
all of the stuff and super hardcore on
2:56:07
that. And then investment knowledge
2:56:09
can go either way based on interest.
2:56:12
I've seen it where wives just are
2:56:14
wizards with investments. I've seen it the
2:56:16
other way around. So,
2:56:18
meaning where the husband, that's totally their deal. You're
2:56:21
gonna have to, at the end of the day, there are no
2:56:23
rules in this stuff. You work it out with your spouse and
2:56:25
that's where a good relationship is
2:56:27
important. Finally, I would
2:56:29
say look for values that are
2:56:32
related to financial productivity, cultural values.
2:56:34
Seeing hard work as a
2:56:36
virtue, not as a vice, is
2:56:39
probably a good sign to look for. Imagine
2:56:42
you're a young woman and
2:56:44
you see a man who just sees that his goal
2:56:46
in life is to escape from
2:56:48
hard work and he's doing everything he
2:56:50
can to get out of hard work and to shirk it. Probably
2:56:53
not a good marker of long-term success. Seeing
2:56:56
hard work as a virtue, not a vice, is a
2:56:58
good thing. Same thing for a man
2:57:00
looking for a woman. Seeing a woman who embraces
2:57:03
hard work as something to be
2:57:05
appreciated and to be enjoyed, that's
2:57:08
a good indicator. Being
2:57:11
employed as a sign of good health is a
2:57:13
good indicator. A guy who's running from employment just
2:57:15
doesn't wanna work, that's probably not gonna
2:57:18
work out so well in the long term. He'll make just enough
2:57:20
money to make it for a few weeks and then be done.
2:57:22
On the other hand, the guy who sees
2:57:25
employed as being employed is a fundamentally healthy
2:57:27
thing to do, probably gonna make more money
2:57:29
and be more employed. Seeing
2:57:31
frugality as a healthy discipline,
2:57:33
not something to be run
2:57:35
from is good. Most historically
2:57:37
successful cultures have some expression
2:57:40
of asceticism. It can
2:57:42
be fasting, it can be some way
2:57:44
where you're denying yourself and I think
2:57:46
that frugality can express some of those
2:57:48
aspects of fasting that
2:57:50
are really healthy for us, that we spend less
2:57:53
than we could spend. It's a good and useful
2:57:55
discipline. Seeing risk-taking as something
2:57:57
to be admired is something
2:57:59
that... That could result in great wins,
2:58:01
could result in great losses, you'd be the
2:58:03
choice. The choice is yours. What do you
2:58:06
want? But a culture of that. And there's
2:58:08
many, many other things, but look for values
2:58:10
that are related to financial productivity. On
2:58:15
the whole, as you are considering
2:58:18
somebody that you're interested in marrying,
2:58:21
recognize that you're
2:58:24
getting the whole package. There's
2:58:27
a good chance that the person that you're marrying
2:58:29
is not going to change much. Your
2:58:32
children are kind of going to be
2:58:34
like this person that you're marrying. So
2:58:36
think about that. When you're looking
2:58:39
for a wife, what are the qualities
2:58:41
that you want in your sons and daughters? Because
2:58:43
that's what you're going to get. So
2:58:45
make sure that you're marrying someone of those qualities.
2:58:47
You're looking for a husband. What
2:58:49
are the qualities that you want in your sons and daughters?
2:58:52
Guess what? You're going to get them.
2:58:54
They're going to be like the person that
2:58:56
you're marrying. People don't change that
2:58:59
much. And so look
2:59:01
at the family. Look at
2:59:03
the circumstances and recognize that there's a
2:59:05
good chance, statistically speaking, that
2:59:07
the results that I get are probably going to be something
2:59:09
like this. Like what
2:59:11
I see. And people probably aren't
2:59:13
going to change very much. So
2:59:16
if you like these qualities that this person
2:59:18
is expressing, great. Nail
2:59:20
them down. Nail her down. Right?
2:59:23
Get to marriage as quickly as you can. If you don't
2:59:25
like these qualities, look for another
2:59:27
option. If you don't have
2:59:30
another better option, then
2:59:32
either continue to look,
2:59:34
figure out how can I
2:59:37
bring more potential candidates into my life? How
2:59:39
can I create a better sales funnel with
2:59:42
more prospects? Or how
2:59:44
can I upgrade myself in order
2:59:46
to be more attractive to the
2:59:48
kind of person that I want
2:59:50
to attract? If you want
2:59:52
to attract as a man. If you
2:59:54
want to attract a 10 out of 10, A
2:59:57
woman who is going to be just.
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