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Few of the precious liberties so loudly decried as “Stolen!” are taken without consent. Most often, the responsible party’s name can be read aloud from the signature line of a contract. Such contracts spell out in explicit detail the terms in which the signatory’s liberties were voluntarily surrendered.

The three largest debt-contracts are the mortgage, car loan, and student loan.

Renting, driving a used car, and getting a degree online, are superior alternatives to the traditional debt-contract solutions. By deploying them, and paying cash for everything else, you’ll enjoy more liberty than the masters who sell debt-contracts as products to formalize the slavery of those who sign them.

Three Upgrades and Emancipation, Too

What’s better? To not be a slave, or to live better than the masters who seek to enslave you?

1 —Better Housing

The best second home is a hotel room anywhere you want to be. The best first home is a rental. Renters:

  • May live anywhere they want.
  • Can move at a moments notice.
  • Are not responsible for maintenance.
  • Don’t have to insure or replace what they don’t own.
  • Don’t pay property taxes.

There’s more, but that’s enough, for now.

2 — Better Cars

A new car loses 9% of its market value when you drive it off the lot. A year later, it’s lost 19%. By year three, the car has lost 42% of its “new” value.

If you have the cash, keep that 42% in your pocket or buy a better version of a 3-year-old car that someone else bought new. If you don’t have the cash, then save up to buy a four-year-old car for 49% of its original purchase price, or a five-year-old car for 60% off!

Better still, if you’re renting (see #1) move close to work where you don’t need a car for transportation.

3 — Better Education

If a college degree is good, then getting one twice as fast at 1/10th the cost is excellent. Or, get two online degrees in the usual four years for 20% of the cost of one. Or, get your bachelors and masters degree in four years for 90% off of each!

Best education of all: homeschool, GED out of high-school, get a degree (or two) online, figure out your purpose(s) in life and become an apprentice of some real-world masters. You’ll be engaged with life, in your teens, in ways your peers won’t be until their 40’s, if ever. You’ll even have a few degrees to show the weenies who think education is a membership rather than a transformation.

Delayed Gratification?

If you want to work a few decades in slavery, then the debt-free alternatives in this article would delay your gratification, forever.

If, however, you’d prefer to live fully engaged in your highest purposes the solutions in this article are light-speed travel in comparison with the norm.

Pay Cash or Don’t Buy

The solutions to the three largest debt-contracts come from a five-word rule-of-thumb principle: Pay cash, or don’t buy. By following this rule-of-thumb, all debt contracts are avoided, including the three largest described in the first solution.

Debt-Contracts are Products

Debt-contracts are not the cause of slavery. They’re products created to address the shortcomings of ignorance and a lack of determination to remain debt-free.

The Slave’s Problems are The Master’s Solutions (And Products)

Those who buy debt-contracts purchase their own slavery. The slave’s problems are the master’s solutions. They’re sold to the debtor to shortcut the personal development required to remain at liberty.

Liberty is purchased at the expense of the acquisition of knowledge of the debt-free alternatives to all such mechanisms of slavery.

Do you not know that, if you present yourselves to anyone as an obedient slave, you are a slave of the one whom you obey? — Romans 6:16

In a world of information overload, whoever appears to be the most reasonable can influence or control the overloaded.

There’s no historical precedent for the amount of information the average person has at their fingertips, today. Anyone with a phone can bring libraries of information to bear on each and every decision.

But information is not knowledge. And knowledge is not wisdom. Without wisdom, it’s hard to tell what information applies to which decision.

This challenge, to the average person, is an opportunity for:

  1. Those who would seek to influence.
  2. Those who would seek to control.

Influence vs. Control

Whether influence is good or bad can only be determined by context and discernment. For now, I’ll confine “influence” to that with no destructive intent.

Control, on the other hand, is the desire to obtain consent for the purpose of domination. I’ll explain why consent is necessary, later in this article.

How can you tell whether someone is seeking benevolent influence or destructive control?

Those Seeking Influence …

… behave like vendors in a marketplace. They present the pros and cons of an idea or product and leave you to decide for yourself.

Those Seeking Control …

… bully, rather than inform or persuade. For example, any one of Schopenhauer’s 38 stratagems might be used to give the appearance of being right; with little or no interest in actually being right:

  1. The Extension (Dana’s Law)
  2. The Homonymy
  3. Generalize Your Opponent’s Specific Statements
  4. Conceal Your Game
  5. False Propositions
  6. Postulate What Has to Be Proved
  7. Yield Admissions Through Questions
  8. Make Your Opponent Angry
  9. Questions in Detouring Order
  10. Take Advantage of the Nay-Sayer
  11. Generalize Admissions of Specific Cases
  12. Choose Metaphors Favourable to Your Proposition
  13. Agree to Reject the Counter-Proposition
  14. Claim Victory Despite Defeat
  15. Use Seemingly Absurd Propositions
  16. Arguments Ad Hominem
  17. Defense Through Subtle Distinction
  18. Interrupt, Break, Divert the Dispute
  19. Generalize the Matter, Then Argue Against it
  20. Draw Conclusions Yourself
  21. Meet Him With a Counter-Argument as Bad as His
  22. Petitio principii
  23. Make Him Exaggerate His Statement
  24. State a False Syllogism
  25. Find One Instance to the Contrary
  26. Turn the Tables
  27. Anger Indicates a Weak Point
  28. Persuade the Audience, Not the Opponent
  29. Diversion
  30. Appeal to Authority Rather Than Reason
  31. This Is Beyond Me
  32. Put His Thesis into Some Odious Category
  33. It Applies in Theory, but Not in Practice
  34. Don’t Let Him Off the Hook
  35. Will Is More Effective Than Insight
  36. Bewilder Your opponent by Mere Bombast
  37. A Faulty Proof Refutes His Whole Position
  38. Become Personal, Insulting, Rude (argumentum ad personam)

Personal Favorites

  1. Declaring as “over”, debates that have hardly begun.
  2. Declaring as “debunked”, valid concerns yet to be addressed.
  3. Declaring as “discredited”, persons of integrity.
  4. Declaring as “concluded”, discussions that have hardly begun.
  5. Threats in lieu of persuasion.
  6. Imposing artificial deadlines for a decision.
  7. Declaring that “everybody does it” while providing no specific examples.

All of the above are attempts to deceive, rather than inform or persuade.

The Debate is Over!

Whenever I hear someone say, “The debate is over”, I know an end has been pronounced by someone desperate to avoid a beginning. I also know that the one making the pronouncement has made an investment, either monetary or emotional, that debate would put in jeopardy.

Global/Climate (Cooling | Warming | Change)

The first time I heard the phrase “Global Cooling” was in a sentence declaring the debate about it to be over. The phrase was then changed to “Global Warming” in the  same sentence declaring that debate to be over, as well.

Finally, the phrase was changed to something for which no debate is necessary: “Climate Change”. Indeed, climate is 100% guaranteed to change, forever!

The debate is over on a lot of things: ocean waves, morning dew, childish innocence. If the debate about something is declared to be over before it’s even begun, the one making the declaration has something to hide.

The Information Advantage

Due to the amount of information available, those who seek control must compete in the “marketplace” of ideas. They must not only to appear reasonable, but the most reasonable among competing alternatives. This “most reasonable” appearance must persist for as long as it takes to obtain a lasting form of control. The best of these is a binding contract, either signed or opted into.

Consent is Required for Lasting Control

Without consent, control is temporary. It lasts only as long as you remain fooled.

With consent, however, control lasts for the length of the contract.

The Jurisdiction of Reasonableness

Mere opinions, and the bullying tactics used to get them accepted, don’t matter unless there’s a valuable jurisdiction to be gained, and a judge to decide who gains them.

Those who don’t seek control rarely think about things like jurisdictions and judges. Those who do seek control, however, think about little else. They spend most of their time campaigning for appointment, by you, to be a judge in one of the most important jurisdictions of all: your mind.

Your mind is not only a jurisdiction, but the deciding jurisdiction of all others.

Agreement Types

Contractual opt-ins are becoming more and more subtle. For example, the mere breaking of a plastic seal on the box for a TV or appliance, is the opt-in for many EULAs (End-User License Agreements).

Still, an actual signature “on the dotted line” of a contract is the best legal mechanism of control.

The Debt-Contract Example

Only a handful of contracts, spread across the 7 Matters of Life, are needed to control most aspects of life. Three debt-contracts illustrate the point:

  1. Student loans — 10 Years.
  2. Car Loan — 5 Years.
  3. Mortgage — 30 Years.

One of these three contracts enslaves a large percentage of the world. To avoid that fate, consider two questions, before signing one of them:

  1. Are you fully aware of the educational, transportation, or housing alternatives that would fill these needs without going into debt?
  2. Do you not know that, if you present yourselves to anyone as an obedient slave, you are a slave of the one whom you obey? (Romans 6:16)

Some Legal Terms

Contracts are as good, or bad, as the words they contain.

Most liberties are not “lost” or “stolen”. They are surrendered, voluntarily, through legal contracts. It’s worth understanding some legal terms around such contracts.

To bear witness v. — To solemnly assert something, offering firsthand authentication of the fact; often concerning grave or important matters.

Truth (quality) n. — Conformity to reality or actuality; often with the implication of dependability.

Message — truth n. — A message that conforms to reality or actuality; whether historical (in space and time) or supernatural.

The Usual Campaign Sequence

The campaign to become an appointed judge in the jurisdiction of your mind follows a usual sequence. Think of it as a sales pitch, because that’s what it is.

  1. I am the most reasonable and provide the best options.
  2. You are less reasonable with limited options.
  3. “Those who love the truth hear my voice”1, and sign my contract.

Conclusion

Your mind is the deciding jurisdiction of all others, and you are its primary judge. The cost of retaining this position is choosing the highest source of truth, exploring all options available, and solving problems with a commitment to remain debt-free.

Pay whatever cost necessary to remain the primary judge of the jurisdiction of your mind. If you forfeit that position, all that isn’t immediately lost, is exposed to loss.

In a world of information overload, whoever appears to be the most reasonable can influence or control the overloaded.


  1. John 18:37 (ESV)