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The algorithms are messing with my brain ๐Ÿง 

One of the topics I’ve long been interested in is personal finance, investing, and growing my personal wealth – while advancing my career.

My goal is not just short term – camping, traveling, and weekends in the wilderness – but eventually that off-grid homestead in a free state where I can burn whatever I want and own whatever guns I want without government permission. Have livestock without government agents telling my I’m not raising them right way or that my hog shit smells like pig shit. Yes, there may be an occasional wift of burn plastic on my homestead but at least it’s not going to the mound on outskirts of the city.

Still this all triggers me in the wrong kind of way, as I see yet another article about the importance of a responsible individual getting the cheapest used car as possible, as expensive cars ruin personal finance. They also suggest buying a house as soon as possible, as renting in ruinous for finances. Oh you rent that dumpy apartment and have a nice truck? You must be living paycheck to paycheck. Don’t even get me started on the people who think because I don’t currently have an operating vehicle, living in city riding my bike everywhere, I must be some kind of truly poor desprate individual and not be actually relatively wealthy or be middle management.

I am not arguing that a car loan is generally a bad decision, unless it’s absolutely necessary. I abhor debt of all kinds. For a lot of families, and those needing a full-sized house, then definately buying a house is a real money saver over the long-term. But a one-room apartment on the bus line and close to bike path, where you can ride your bike to work also is a real money saver. I also don’t disagree that many renters are financially irresponsible and don’t put their modest savings by renting back into investments. But I do. And I’ve been doing that for going on 20 years now, and with the strong markets, things have grown into the seven digits. I also have 20 years plus into the State Pension system and more then half of my investments are in tax-advantaged retirement accounts. I will be able to buy that homestead when I retire – I know looking at the Christman Associates listings and New York Land Quest, rural land with modest, especially off-grid cabins are very affordable relative my investments and savings.

Still I can’t help but feel awful every time I see another post with the boosters of homeownership and praising the virtues of used, basic automobiles. But I don’t use my truck for my commuting, I use it for recreation and camping. I have my bike to get around town, and indeed in recent years a great recent of my shopping is done using the bike. If I didn’t care about traveling, I think I would me more then happy with not getting another truck any time soon. I hate driving in city and dealing with traffic. And a lifted truck and a certainly a SuperDuty guzzles gas and is hard to maneuver in traffic. Yet, I can’t help to but be triggered every time I see a post advocating purchasing a used car, and homeownership over renting. Owning a home is great if you enjoy mowing your lawn or painting your house and calling furnace repairman – and paying electric and gas bill for energy guzzling buildings – but I enjoy the low cost of my very basic apartment.

Maybe because I live so below my means in my very basic apartment of 18 1/2 years now, first rented when I was out of college, or I ride my bike to work and take public transit, I am so enamored by financial advice that is mostly tailored for those who are just starting out on my journey. Good advice for those getting started, who make far less then I do these days, and have families and other priorities. Used cars are great if you want basic transportation to drive aound the city, but don’t really provide the capacity I want for getting to remote back country, camping and traveling. Could I live with less on the transportation front? Of course. I don’t really need a truck at all, still, I want one, and it’s one little nice excess in life when everything else I do is so frugal and aimed towards building a better tomorrow.

Still, I feel so bitten and attacked by the financial advice I keep seeing on the internet, that trends in my feeds and should me feel like maybe I shouldn’t buy the damn truck, and that I should run out and buy a vinyl clad suburban house, as it’s a good investment.

The Ides of March 2026 Edition ๐Ÿš—

Watch out for all those friendly strangers in Black Sedans with candy, pitchers, and lovable things. And hopefully they won’t hit a pothole and spill all that green beer all over their car.

Yesterday was so windy and cold, ๐ŸŒฌ๏ธ the wind roaring for the balance of the day. I ended up making chicken and rice soup, and baking bread, which was okay but not great as I ran out of salt. Salt is on the top of my list when I ride to Walmart shortly.

First I am going to ride down to the Schiffendecker Preserve for a little hike, ๐Ÿธ then run over to Walmart. Lemons, apples, bananas, frozen fruit, cider vinegar, onions and stevia are the primary things on my list. Honestly I don’t want to overload my bike so much this time going shopping, ๐Ÿ›’ especially as after Monday’s rain I’ll be going by Hannaford every day and can just get groceries there on the way home.

Then at 2 PM going out to visit the family for a while, ๐Ÿ‘จโ€๐Ÿ‘จโ€๐Ÿ‘ฆ going to have corn beef and cabbage ๐Ÿ€ you know the Saint Patrick’s Day thing. Still haven’t turned the heat on, though yesterday I did burn through a kilowatt or two using the space heater and heating pad to stay warm as I read, watched YouTube and other just keep me busy activities. ๐Ÿคทโ€โ™‚๏ธ And mostly stayed warm with the bead and soup.

Perfection, cabins and SuperDuties

I am at times a perfectionist – on things that at care about. I’ve been told that this behavior is driven by a need for control, fear of failure, or a desire to avoid judgment in those specific, meaningful areas. 


How perfectionism makes for poor decision making, a summary by Google Gemini…

Perfectionism leads to poor decision-making by replacing objective goals with a fear-based obsession over details. When you focus exclusively on “technical specs,” you are often using them as a shield against potential blame or failure, which ironically blinds you to the broader purpose of the decision. 

This “tunnel vision” happens through several psychological mechanisms: 

1. Attentional Bias and “Vigilance”

Perfectionists exhibit a specific attentional bias where they are hyper-aware of flaws or “imperfect stimuli”. 

  • The Trap: You may find yourself fixated on a single sub-optimal spec (like a minor latency issue in a software or a specific material in a product) and treat it as a deal-breaker, even if the overall package is superior.
  • The Result: This hyper-focus consumes your “cognitive bandwidth,” leaving you with no mental energy to evaluate the strategic fit or long-term value of the choice. 

2. Maximizing vs. Satisficing

Psychologists often categorize decision-makers as eitherย “Maximizers”ย orย “Satisficers”.ย 

  • Maximizers (Perfectionists): Seek the “absolute best” by exhaustively comparing every possible variable. They often suffer from analysis paralysis and feel more regret after a choice because they wonder if a better spec existed elsewhere.
  • Satisficers: Set a high “good enough” threshold and stop searching once it is met. They are generally happier and make faster, more practical decisions because they prioritize the outcome over the search

3. Dichotomous (All-or-Nothing) Thinking

Perfectionists often view decisions through a binary lens: it is either perfect or it is a failure

  • The Trap: If a high-complexity task or product doesn’t meet 100% of your technical criteria, you might abandon it entirely for an inferior option that happens to meet one specific “perfect” metric.
  • The Result: You end up making objectively worse decisions because you cannot tolerate the “gray area” of trade-offs. 

4. Loss of Perspective (The “Whole Picture”)

By focusing on the “weeds” of technical specifics, you lose sight of the “clouds” (the philosophical or high-level framework). 

  • Micro vs. Macro: You might spend weeks choosing the “perfect” camera based on sensor specs but miss the deadline for the event you needed to photograph.
  • Emotional Regulation: Often, this tunnel vision is a form of avoidance. It is easier to obsess over data points you can control than to face the vulnerability of making a choice that might not work out. 

Summary of Impact on Decisions:

  • Analysis Paralysis: Missing time-sensitive opportunities while searching for more data.
  • Decision Fatigue: Exhausting your brain on trivial details before reaching the important ones.
  • Post-Decision Regret: Focusing on the 1% of specs you “lost” rather than the 99% you gained. 

The “Perfect” Home.

There was my search for buying a house, maybe an off-grid property. The problem is that the properties that I was remotely interested in that were held to my high standards were much too far away from Albany for reasonable commuting by automobile. Even if I could do it, it would add hours a day, burning gasoline as I got obese and risked dying in a car crash just to have land that I was only somewhat happy with when it came to ban on burn barrels, gun restrictions, land use, wild nature of land and country the property was located in, size and heating method of the house and being tied to grid. It just seemed like every thing out there, was expensive but offered limited benefit compared to my current arrangement. It was just less then perfect.

Simply said, all practical houses within a reasonable commuting distance where located within New York State, virtually all where the same vinyl siding on plywood sheet board with fiber glass insulation on 4×4 stick built, heated with prestigious amounts of fossil fuels and guzzling grid-tied electricity to heat and light poorly constructed modern structures. Maintance free garbage, designed to be used, used up and discarded. Not real wood, authentic cabins, heated by wood. While there was enough cabins, post-and-beam structures, some with wood stoves other remote properties with a reasonable amount of lands, places where you could have fires and haul your own trash to transfer station, few really checked all the boxes for me. It’s not such places don’t exist, but they certainly don’t exist within reasonable commuting distance, or they are the exception rather then the rule of places in Zillow. Eventually I just got tired of it all, burnt out, turned off and deleted the Zillow app from my phone, paid the increased rent on my truly diploated apartment of 18 1/2 years in suburbs of Albany instead just focusing on investing and building or buying that cabin when I retire.

There was that property next to my parents house that was on market for a while. First I didn’t ask about it right away, and I probably could have saved money had I reached out to landowner as soon as it was vacant, after their love one passed away. Then it went on the market, and I toured it with the Realtor but I decided not to persue it further as it had issues, and it lacked a woodstove. Plus it was right on the main road, with constant road truck noise, and had a werid inholding with my parents neighbor living it, and my parents just down the street. I would have had to be careful about what kind of fires I had there between that and being on main highway, not to mention, probably the neighbors wouldn’t like it if my hog pen smelled too much or any other livestock I might get, even if it was zoned agricultural, and the other folks up the street have lots of cattle and hogs themselves. But could I have made it work with just a big check? Sure, and I wouldn’t have to pay rent, but the property tax bills, the cost to fix and furnish the building, and especially the commuting costs would have added up to be more then I spend on my dumpy apartment. Plus money spent on the house, couldn’t grow in the markets. But it would have been okay, noting the limitations, yet I rejected it.

It’s not to say I don’t keep following several pages about timber framed houses, off-grid cabins, and remote living on Facebook. I am reminded another world is possible, as I followed New York Land Quest which sells hunting, farm and remote properties in Southern Tier and Christman Associates, the land seller and cabin builder in the Western Adirondacks and Tug Hill. Good places exists for the lifestyle I want, but the properties in the Albany area really don’t match up with that. And I do follow enough pages that places closer to what I want are in places like that out west, or even in the Upper Midwest in the great forests of Northern Wisconsin and Michigan. But even they certainly have pros and cons. Maybe there is no perfect place out there in this world, and I should settle for second best, but so far in all my time browsing real estate and looking at places – including touring that little house on the main road down from my parents – that is now sold and off the market, it burns me a little bit for being a perfectionist and rejecting what would have been good enough, I guess.

The Perfect SuperDuty

Then there was the Godzilla Holstein. The big SuperDuty truck, that on paper I loved everything about it until I test drove it. I hated how the steering wheel felt, the light gray interior that felt so cheap and easy to get dirty. It’s a work truck, but the light gray fabric seemed even worse then the light gray vinyl on my old Ford Ranger. And it as white, and all I could think of was the finger prints on the inside of the Chevy Traverse Shuttle Car they have at work from the road salt and sand, and how hideous it looks after all this time driving through the winter slop shuttling people between the suburban office building in Menands and Empire Plaza. And then I got my doubts about the reliability of the SuperDuty trucks and Godzilla engine after it seemed like one post after another about lifter failures. There was the Iran crisis, causing fuel prices to spiral out of control, and the 7.3L Godzilla engine seemed like an unreliable liability, even if it’s a simple but fuel hungry pushrod engine. But the truth is the gas milage especially don’t he highway would be as good if not better then my lifted Silverado. I sometimes regret telling the dealership I was no longer interested, but thanking them for the time and test drive. I guess until it sells, it’s still an option, but I hate to go back to dealership hat in hand, and pay a premium for being polite.

Truth is there are lot of options for base SuperDuties especially if I drop my requirement for the skid plates, and are willing to be flexible on the long-bed versus the short-bed, and consider both extended cabs and quad cabs. Suddenly there are a lot of XL and XLT trim trucks that would work for me, in my price range at many dealerships. Still, I wonder if I my skiddishness around the short-term thinking on the Iran War, and some stupid finger prints on the work shuttle lead me down the path to rejecting what otherwise would have been a pretty nice truck, well equipped for my needs, with nice blacked out wheels. How bad is white truly? The black accents against it were descent too. But when I told people it was a white truck, they were like how boring. And I couldn’t see myself with a white truck when the gray and black trucks are so much nicer and can be found at other dealerships, though maybe not with the perfect spec I want.

I am a bit frightened by the Iran War, and by Monday started to think that Godzilla Holstein truck could easily become the White Elephant truck if gas prices shot up and remained high, even if I don’t plan to drive it much except recreationally. And I just worry about the appearance of owning such a fancy looking truck, even if it’s just a dressed up work truck with blacked out wheels. And tough heavy duty engine and tranny, with a long bed. I also discovered that there are fewer options avaliable for truck caps with the long bed F-350, that gave me pause, no mid-rise cap and the modular steel Smart Cap and others that can be ordered and shipped of the shelf directly to you in a few weeks, isn’t avaliable for long beds. I also started to question the value of the upfitter switches, when I realized most of the lights in the truck cap I’d rather switch from the cap itself, and I also want switched power for the other circuits. But mostly I was freaked out about the Iran War, the cost of big SuperDuty and how bad it is to spend money on cars, that you could be otherwise investing, even if it really is only a few months of strong capital gains these days for me. And I hate the idea of everybody seeing that massive truck, thinking I must be either rich or have a massive truck payment. But the truth is I just want to spend money on something I actually care about, not some suburban house or Caribbean cruise, fancy clothes or luxury watch.

I keep looking at trucks, but I don’t want some crappy old Honda or truck that doesn’t serve my needs as I see it. I just don’t want to stuck with a truck I absolutely hate, after spending a rediculous amount of money.

Walking Kenyen Road ๐Ÿšถ

Brings me back to my younger years. The Plymouth Sundance and later the little Ford Ranger exploring these back roads. Singing along with Jim Croce’s I’ve Got a Name and the Easy Rider sound track in my Plymouth Sundance played through a big black audio tape recorder and an FM modulator as that car lacked a tape deck much less a CD player. Crazy shit like taking my on that road covered with ice and snow, but my little 4×4 was pretty good in the snow except the few times I deep centered it. I don’t do shit like that anymore.

In my younger years I spent many an evening after work and college exploring the back roads. I told myself in search of freedom, whatever that I meant. I wanted a mental map of all the farms and backwoods homesteads with blackened burn barrels in hope of smelling a little bit of burnt plastic or better yet a rip roaring fire, maybe with a little pungent black smoke as those Styrofoam egg trays, plastic bags and paper plates burned on up. But also I wanted to see those deep rural homesteads with the deer hung out, dressed each October or November, a few goats and hogs penned up, or a working dairy – the small tie stall grazing kind in the hills – were people scrapped together a living from manure spread with an open cab tractor and milk. Those were the best to find a blackened and often smoldering burn barrel at too.

In later years it also was a search for roadside campsites at state forests in my pickup, some designated and otherwise. So many rough dirt roads to explore in that little Ford Ranger. And wildlife. Deer. Turkey. Grouse. Shit when you are walking in the rough country and accidentally flush one out, I almost shit my pants in shock. But more than anything for that deep rural freedom. The deep hollows and mountain vistas. The woods and hard scrabble farms. In many ways the freedom to burn – even stinky garbage – was all wrapped up in that. They never allowed any of that in the more civilized and urban areas. I would with my little Ford Ranger pickup drive those dirt trails, just to see where they lead and because it was easy to back up and turn around should the road be too rough for a stock 4×4. Many of those trails were destroyed if not deeply eroded for a stock Ford Ranger after Hurricane Irene – and lately the DEC has gated and posted more and more of them as No Motor Vehicles due to lack of maintenance and damage by ATVs.

In my younger years, when I was hanging out and exploring Kenyen Road, a land owner up that way approached me and asked if I was interested in buying land along the road. It’s not that I didn’t have an eye on this rural road, I walked it and explored it. In recent years, some of then abandoned farm land has sprouted houses. Indeed, more recently two roads over a somewhat run down hunting cabin on ten acres that I immediately fell in love with went up for sale for only $90k but I passed on looking at it at 37 miles and 45 minutes from work, including a very steep rough dirt road to get up to it.

It was so perfect except for being in New York State with the burn ban, SAFE Act 2.0 and so far from work with the mandatory five day in office crap except when it’s not. But the gas would add up and I might have to still maintain an apartment in the city for work in bad winter weather – and how to take care of livestock them. Remote enough though I probably still could have campfires and bonfires for the burnable debris and avoid sending it to the landfill during the summer months. Just roasting some sticks, junk mail, and maybe that occasional wrapper or bottle from the day or two – I don’t eat a lot of packaged food and with a homestead I’d certainly have even less that couldn’t feed the hogs or compost pile. Maybe I should have scheduled a tour – it sat on the market for some time as it’s mostly hunters and folks like me who seek out such a property. It also was grid tied too which I did not like at all as it’s not easy to disconnect an existing structure from the grid.

I do so love the country up this way but my time spent in Pennsylvania, West Virginia and even rural Maryland has shown me deep rural exists outside of New York State and while West Virginia has burn laws, Maryland and especially Pennsylvania are super relaxed out in the sticks. Gun laws outside of Maryland are good but Pennsylvania gets werid and restrictive with a lot of random shit like their liquor laws and no legal cannabis. Pretty country though up this way with the Blackhead Mountains and the deep hollars in hills in all other directions.

With my big jacked up truck with it’s heavy fuel consumption and not all that nimble on off-road trails it’s rare I’ve driven many in recent years. Trust me, a full size truck even with a lift kit is shit on the trails and a major pain to back any distance. Then the DEC designated all the campsites for a while at Rennselaerville State Forest camping by permit only. After Camp Cass closed, the moved the Park Rangers training area up here, so I figured it’s not worth it with so many other places to camp. So I stayed away until those restrictions were dropped except for hiking and skiing until after the pandemic when the permit requirement or at least the signs disappeared and were not replaced by the department.

Early signs of spring ๐Ÿธ

Early spring signs in Upstate NY include theย shrill calls of peepers, drumming ruffed grouse, and migrating robins or red-winged blackbirds returning. On the forest floor, skunk cabbage emerges through snow, followed by bloodroot and trailing arbutus, while red maples show red buds.ย 

Woodland Flora and Fauna

  • Skunk Cabbage:ย One of the first signs in wet woods, producing its own heat to melt surrounding snow.
  • Wildflowers:ย Early bloomers includeย Bloodrootย (white petals) andย Coltsfootย (yellow, dandy-lion like, along road ditches). Later,ย Red Trillium,ย Trout Lily, andย Spring Beautiesย emerge.
  • Amphibians:ย Spring peepers (tiny frogs) and salamanders move to vernal pools to breed.
  • Trees:ย Red maple branches become visibly reddish due to budding, and willow catkins appear.ย 

Auditory and Visual Cues 

  • Birdsong:ย Red-winged blackbirds, robins, and bluebirds are seen and heard, and woodpeckers begin drumming.
  • Wildlife Activity:ย Ruffed grouse “drum” by beating their wings to create a vacuum noise.
  • Environmental Changes:ย Streams and ponds thaw, snow melts around tree bases, and the smell of wet earth emerges.