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1013: Financially Productive Characteristics to Look for In a Potential Spouse

1013: Financially Productive Characteristics to Look for In a Potential Spouse

Released Monday, 6th May 2024
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1013: Financially Productive Characteristics to Look for In a Potential Spouse

1013: Financially Productive Characteristics to Look for In a Potential Spouse

1013: Financially Productive Characteristics to Look for In a Potential Spouse

1013: Financially Productive Characteristics to Look for In a Potential Spouse

Monday, 6th May 2024
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0:00

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lipsandads.com now. That's

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L-I-B-S-Y-N, ads.com. Welcome

0:23

to Radical Personal Finances Show dedicated to providing you

0:25

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

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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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