While a savings account has some value and you can still get your money out without limits, perhaps it is time to seriously consider getting that tiny house set up outside the city just in case you need that back up plan to kick in. Waiting for retirement or the perfect time may not be an option if the markets keep falling and the banks start protecting themselves with limited withdrawals. Most people are not aware that your money in the bank is considered by the government and banks to be a loan to the bank and convertible to stock in the bank if they do not have the cash to pay you back. That is according to the Federal Deposit Insurance Corp. guidelines and it is called a Bail In if the banks decide they can not let all the depositors have their money back on demand as they do not have it to give. Once loaned out and they can not collect on the loan, you money is gone and since the banks are facing massive loan losses due to the decline of Oil prices and bankruptcies that are escalating at an insane pace in 2016 already.
So what are you going to do? If you are able to start transitioning now, do it! Get moving on planning your tiny house that you want to downsize into. Get it ready and being built if you have the funds in savings that are at risk. If you do not own a home, the downpayment for one out of 401K and other retirement funds is without penalty. Use that to get your plan in motion if you can. We have reached a point now where waiting is a high stakes game and the interest rate you are making on savings while you wait is negligible compared to the risk of not having access to your funds in a few months while they banks work out the new plan to survive. Your savings will become an IOU until they figure it out, according to the FDIC and Bank of England plan on how to save the banks in a crisis. You are not on the top of their “worried about ” list but instead called an unsecured creditor in bank language, which is not what most people think of their money being, an unsecured loan to the bank that you call a savings account.
So, I do not have a plan to build enough houses to satisfy the growing demand for tiny homes that will let people cut back to rock bottom taxes and utility bills. The growing demand created from the movement of people into this tiny housing arena will stun the masses as they finally figure out they too can not afford to keep the big houses, big cars, and many other luxuries the Baby Boomer Generation has gotten accustomed to having in their lives. Making the move now to get one built and ready, even if you do not have the land to put it on for now is a safe plan as opposed to waiting for a few more months and finding out there is a back log or that your money is tied up for a year while we work through the banking crisis, which is the result of the collapse of global economies, massive layoffs, and the demise of the value of oil that is triggering this economic avalanche. Given the global stock markets are down on average, over 20% so far this year, your time to make decisions may be waning faster than you are aware, but that is the idea behind the American media downplaying what is going on inside our national propaganda bubble. The best example is Italy this week as the bank runs start on the 8th biggest economy in the world, unlike Greece, about to create a massive impact on the euro and thus the dollar.
With all that lighthearted discussion behind, I hope you will begin to think about and share with others what sort of plans you and they can make to take care of each other as the crisis becomes more real. Someone with 5-10 acres that can hold 10 or 15 tiny houses and thus the gardener, nurse, cook, mechanic, and other likeminded people to create your retirement village. People in this day and age are not as likely to have the kids taking care of the elders as was the case once in the past. If so, three generations living in the same house is not as feasible as it used to be when the elders held the most respect rather than what has become the least. Somehow I believe there is going to be an awakening of the Baby Boomers soon, such that they understand that if we downsize with respect for the gifts we were left by our ancestors in the form of millions of salvageable homes, barns, and buildings, then we will have the resources we need to build the next generation of tinier housing without depleting the worlds resources and thus save the best of the past for future generations as we downsize for the times ahead.
Please consider helping others get into the motion of salvage mining, salvage building, and joining in the decision to live simpler tinier lives as we get older and do not need the big houses. Let us be responsible and create housing that can be handed off to others rather than disposed of due to its built in obsolescence which has people doing more in repairs than the house payments cost after less than 15 years from the time the house was built. From AC systems, water heaters, roofing, windows, and more, the modern house is not designed to last for a hundred years like the older houses were. We can do better. Even more critical is to build out of toxin free materials if possible, and it is with salvage. Likewise, energy efficiency can be had in a tiny house unlike any large house can sustain due to the ability to flow air through the house to cool it and high energy efficiency so that heating it is also a low cost endeavor. By building with salvaged materials, we can save more energy before the house is moved into and lived in than the house will cost to heat and cool for the next hundred years of its possible lifetime. Yes, by not creating new glass, hardware, or cutting down new trees, we save energy, like putting it in the bank and then living off it for the next century as opposed to using more energy to create the materials than the house will use in 100 years which is more often the case these days which seldom is spoken about. The building industry does not want the energy costs for housing to be constructed to be considered in the equation of how energy efficient a house it but if they do, the salvage mining and salvage building techniques will blow them out of the water if ever compared. Add to that the massive reduction in outgassing of chemicals like formaldehyde, plasticizers, vinyls, and particle board, plywood, and sheetrock, you are creating a safe haven instead of one more liability for the planet and the people to deal with when it is becoming critical that we change our path.
We must reduce the waste, toxins, and energy consumption involved in building houses for there are still billions of people who do not have homes, and we must set a better example of what can be than what we have done in the last 5 decades of housing in America. We do not want the rest of the world copying us as we do not have enough resources on the planet to give everyone as much as we have wasted in the last generation in our country. Please help me wake up our generation so as to leave a decent choice on the table while we have it to offer. Once we throw out all the great materials from the past, there will not be any more to replace them ever again. No more 500 year old trees, easy iron ore to mine, or most of the other natural resources that are nearly depleted now, let alone the heavy ecological cost of having raped and pillaged the lands for the resources without regard for replanting, reusing the land, or preserving the waterways that get devastated by the pollution and harvesting of minerals, oil, gold, and methane.
So, in case enough alarms are not going off for you to see the writing on the wall, here it is on paper for you to consider. Perhaps it is time to take action in your life and become part of the solution to this mess. Think tiny, but more importantly, begin to make the changes that will allow you to live tiny, with a carbon footprint that is negligible, a simpler life that is less stressful, and be an example of what future generations will look back on and appreciate instead of the cause of them having no resources left, living with all sorts of cancer and disease for lack of concern for the materials that we have built homes out of that are known to cause health issues. We can do better as a generation 72,000,000 strong that is now facing the end of our entitled lives where we have had all the credit to buy big cars, houses, and luxuries we can no longer afford for the generations just now coming of age.
My houses are but the seedlings through which I take this message into the minds of those who share the planet with me for this brief time I am on it. They are intended to show others what can be done if we set our minds to the task, and the results that can be so beneficial to so many. Please join me in promoting the Pure Salvage Living Renaissance that calls upon one and all to consider what the future will bring if we to not choose to take a different path soon. The present rate of consumerism is not sustainable given only 5% of the world population, namely Americans, are using 30% of the global resources to live in the style we are accustomed to for it can not be maintained and we are responsible for setting the example that others in the world look to for some guidance. Let us not lead them into the consumerism pit of Hell and debt slavery. Please help me set the bar a bit higher by helping become the examples that our peers will follow as we attempt to age without dependency on the government, our children, or the largess of other nations who suffer wars so that our global search for cheap resources at their expense can end. It is us that will make this happen, not the rest of the world for we are the cause of so much of this global destruction that it is now obvious and no longer tolerable if we are going to change the world into a better place for those that follow.
Thank you for thinking about downsizing, and doing so with as much salvaged materials as you can fit into your future homes and lives. This is the path that our parents would have had us take had we listened to the lessons learned from the depression in the 1930’s. It is time to change both the bad leaders that perpetuated this state of affairs, and the perspectives that the society has that keep the problems growing instead of shrinking as we watch the economic calamities ahead that are a product of this deluded perspective that we can continue building bigger houses, disregarding the quality and toxins in new housing, and expecting the future generations to clean up the mess we have created in the last 60 years.