12.31.2025

National Religion

 



By broaching the "r" word I may land myself in hot water from all sides, so I will tread carefully and ask for some grace. Let me start by defining religion fairly broadly, as a perspective that informs one's sense of important things like morality and life and death, which involves some level of faith, both in terms of belief in something or Someone, but also in terms of believing in something that you can't concretely prove to be true. With that as our working description of religion, it is clear some of us are religious and others would describe themselves as areligious, the former subscribing to some faith perspective and the latter rejecting anything that has to be left to faith and the unknown. 

And, in my circles and in the present day, there are many around me who would not describe themselves as religious in any way, and in some cases are deeply areligious in terms of actively rejecting any sort of faith tradition and choosing to believe only in hard science and testable conclusions. Such folks, naturally, tend to consider themselves to be well educated, committed to that which can be substantiated rather than that which would be deemed frivolous or unserious. 

But, looping back to my definition, which was intentionally written to be broad and yet I hope you would consider it to be fair, in this country there appear to be many religions, which people take seriously, at least seriously enough to make life decisions on, base their entire existence on, and even be willing to fight and sacrifice for. Just to a name a few, none of these are officially religions but wouldn't you say they adhere to my definition:

  • Astrology
  • Equality
  • Football
  • Freedom
  • Guns
  • Political affiliation

The point is neither to denigrate nor uplift these pastimes. It is simply to say that they are a form of religion, in that they involve a set of beliefs and stories that hold people together and guide how they move about the world. 

And, perhaps the real point I want to make in this post is, just like people get highly and rightly offended if we diminish their religion, so they react when you treat these things in the same way. None of these things are inherently bad, and in fact many would argue that many are inherently good. But I would argue that none are completely unassailable, and yet how tricky it is to push back on the edges of some of these things when warranted, precisely because others hold these things as truly sacrosanct.

It is good to have beliefs, and to believe in them strongly. I do hope that, as with religion, we are honest about places where those beliefs deserve to be challenged, and that we are open-minded enough to absorb and even welcome that pushback.


12.30.2025

For Goodness' Sake Do Something

 


 

 

I have a degree from a top-ranked university and work a white-collar job, live in a big coastal city, and hang out with and consume a lot of content from white-collar workers with degrees from top-ranked universities living in big coastal cities. All of us would say we are trying to use our privilege, knowledge, and influence to do good in the world. And what that looks like will necessarily look different for different people. But I think it's important that, at least for some part of your life, it means doing something really tangible that contributes to good. Both to achieve some small good in this world, and also to gain a better understanding and appreciation of the hard, boring, and sustained work that it takes to do good in this world.

Maybe this sounds obvious, but how often do we not think to get involved in these ways, even look down on those who do and consider our own involvement to be beneath us? I recall a recent grad who came to me for career advice a few years back, when I was on the school board in my city, and when they mentioned their interest in urban education, I suggested they attend an upcoming public meeting, to see how "the sausage is made," so to speak. They looked at me with such a confused look, as if to say "what does a mundane school board meeting have to do with my interest in urban education." Which, of course, was confusing to me; the meeting I was inviting them to was, after all, urban education in action.

We who are cocooned in our "lattes and laptops" lifestyle need to get out there and do something. Attend a city council or school board meeting, or better yet run to sit in those seats. Sit on a board of a non-profit that provides direct services and volunteer regularly. Even better, don't post about it on social media: just do it, and not just once but over and over again. It may not be your life's work, but if you're not even on the playing field itself, how can you credibly say you're about doing good?

12.29.2025

Too Short for a Blog Post, Too Long for a Tweet 505

 




Here are a few excerpts from a book I recently read, "Sapiens: A Brief History of Humankind," by Yuval Noah Harari.




We did not domesticate wheat. It domesticated us. The word “domesticate” comes from the Latin domus, which means “house.” Who’s the one living in a house? Not the wheat. It’s the Sapiens.



Understanding human history in the millennia following the Agricultural Revolution boils down to a single question: how did humans organise themselves in mass-cooperation networks, when they lacked the biological instincts necessary to sustain such networks? The short answer is that humans created imagined orders and devised scripts. These two inventions filled the gaps left by our biological inheritance. 

However, the appearance of these networks was, for many, a dubious blessing. The imagined orders sustaining these networks were neither neutral nor fair. They divided people into make-believe groups, arranged in a hierarchy. The upper levels enjoyed privileges and power, while the lower ones suffered from discrimination and oppression. Hammurabi’s Code, for example, established a pecking order of superiors, commoners and slaves. Superiors got all the good things in life. Commoners got what was left. Slaves got a beating if they complained. 

Despite its proclamation of the equality of all men, the imagined order established by the Americans in 1776 also established a hierarchy. It created a hierarchy between men, who benefited from it, and women, whom it left disempowered. It created a hierarchy between whites, who enjoyed liberty, and blacks and American Indians, who were considered humans of a lesser type and therefore did not share in the equal rights of men. Many of those who signed the Declaration of Independence were slaveholders. They did not release their slaves upon signing the Declaration, nor did they consider themselves hypocrites. In their view, the rights of men had little to do with Negroes.

The American order also consecrated the hierarchy between rich and poor. Most Americans at that time had little problem with the inequality caused by wealthy parents passing their money and businesses on to their children. In their view, equality meant simply that the same laws applied to rich and poor. It had nothing to do with unemployment benefits, integrated education or health insurance. Liberty, too, carried very different connotations than it does today. In 1776, it did not mean that the disempowered (certainly not blacks or Indians or, God forbid, women) could gain and exercise power. It meant simply that the state could not, except in unusual circumstances, confiscate a citizen’s private property or tell him what to do with it. The American order thereby upheld the hierarchy of wealth, which some thought was mandated by God and others viewed as representing the immutable laws of nature. Nature, it was claimed, rewarded merit with wealth while penalising indolence.



Cowry shells and dollars have value only in our common imagination. Their worth is not inherent in the chemical structure of the shells and paper, or their colour, or their shape. In other words, money isn’t a material reality – it is a psychological construct. It works by converting matter into mind. But why does it succeed? Why should anyone be willing to exchange a fertile rice paddy for a handful of useless cowry shells? Why are you willing toflip hamburgers, sell health insurance or babysit three obnoxious brats when all you get for your exertions is a few pieces of coloured paper? 

People are willing to do such things when they trust the figments of their collective imagination. Trust is the raw material from which all types of money are minted. When a wealthy farmer sold his possessions for a sack of cowry shells and travelled with them to another province, he trusted that upon reaching his destination other people would be willing to sell him rice, houses and fields in exchange for the shells. Money is accordingly a system of mutual trust, and not just any system of mutual trust: money is the most universal and most efficient system of mutual trust ever devised. 

What created this trust was a very complex and long-term network of political, social and economic relations. Why do I believe in the cowry shell or gold coin or dollar bill? Because my neighbours believe in them. And my neighbours believe in them because I believe in them. And we all believe in them because our king believes in them and demands them in taxes, and because our priest believes in them and demands them in tithes. 



For thousands of years, philosophers, thinkers and prophets have besmirched money and called it the root of all evil. Be that as it may, money is also the apogee of human tolerance. Money is more open-minded than language, state laws, cultural codes, religious beliefs and social habits. Money is the only trust system created by humans that can bridge almost any cultural gap, and that does not discriminate on the basis of religion, gender, race, age or sexual orientation. Thanks to money, even people who don’t know each other and don’t trust each other can nevertheless cooperate effectively.



The insight of polytheism is conducive to far-reaching religious tolerance. Since polytheists believe, on the one hand, in one supreme and completely disinterested power, and on the other hand in many partial and biased powers, there is no difficulty for the devotees of one god to accept the existence and efficacy of other gods. Polytheism is inherently open-minded, and rarely persecutes ‘heretics’ and ‘infidels’. 

Even when polytheists conquered huge empires, they did not try to convert their subjects. The Egyptians, the Romans and the Aztecs did not send missionaries to foreign lands to spread the worship of Osiris, Jupiter or Huitzilopochtli (the chief Aztec god), and they certainly didn’t dispatch armies for that purpose. Subject peoples throughout the empire were expected to respect the empire’s gods and rituals, since these gods and rituals protected and legitimised the empire. Yet they were not required to give up their local gods and rituals. In the Aztec Empire, subject peoples were obliged to build temples for Huitzilopochtli, but these temples were built alongside those of local gods, rather than in their stead. In many cases the imperial elite itself adopted the gods and rituals of subject people. The Romans happily added the Asian goddess Cybele and the Egyptian goddess Isis to their pantheon. 

The only god that the Romans long refused to tolerate was the monotheistic and evangelising god of the Christians. The Roman Empire did not require the Christians to give up their beliefs and rituals, but it did expect them to pay respect to the empire’s protector gods and to the divinity of the emperor. This was seen as a declaration of political loyalty. When the Christians vehemently refused to do so, and went on to reject all attempts at compromise, the Romans reacted by persecuting what they understood to be a politically subversive faction. And even this was done half-heartedly. In the 300 years from the crucifixion of Christ to the conversion of Emperor Constantine, polytheistic Roman emperors initiated no more than four general persecutions of Christians. Local administrators and governors incited some anti-Christian violence of their own. Still, if we combine all the victims of all these persecutions, it turns out that in these three centuries, the polytheistic Romans killed no more than a few thousand Christians.1 In contrast, over the course of the next 1,500 years, Christians slaughtered Christians by the millions to defend slightly different interpretations of the religion of love and compassion.



Male chicks and imperfect female chicks are picked off the conveyor belt and are then asphyxiated in gas chambers, dropped into automatic shredders, or simply thrown into the rubbish, where they are crushed to death. Hundreds of millions of chicks die each year in such hatcheries.



Today, the earths continents are home to almost 7 billion Sapiens. If you took all these people and put them on a large set of scales, their combined mass would be about 300 million tons. If you then took all our domesticated farmyard animals – cows, pigs, sheep and chickens– and placed them on an even larger set of scales, their mass would amount to about 700 million tons. In contrast, the combined mass of all surviving large wild animals – from porcupines and penguins to elephants and whales – is less than 100 million tons. Our children’s books, our iconography and our TV screens are still full of giraffes, wolves and chimpanzees, but the real world has very few of them left. There are about 80,000 giraffes in the world, compared to 1.5 billion cattle; only 200,000 wolves, compared to 400 million domesticated dogs; only 250,000 chimpanzees – in contrast to billions of humans. Humankind really has taken over the world.

12.24.2025

2026 Predictions Guaranteed or Your Money Back

 


End of year means time to revisit last year's predictions and make some new ones for 2026. First, what I thought might happen in 2025:

1. Bluesky, Mastodon, and Threads all fail to get traction, and X continues to stand alone.

A recent Pew survey shows that  21% of U.S. adults said they have used X, compared with only 8% who have used Threads, 4% who have used Bluesky, and 3% who have used Truth Social. So that's a pretty commanding lead, but nice to see that there are alternatives to X for those who want that, since the point of a social media is gaining enough critical mass to reach the masses.

2. Bucking the previous consolidation of AI efforts within large-scale and largely white-owned tech firms, the field democratizes considerably as lower barriers to entry create an innovative environment into which many diverse voices gain popularity.

Maybe I've missed the million flowers blowing, it seems the preponderance of media attention has been devoted to the big tech companies getting bigger. Perhaps this prediction of mine was more of a wish, for more experimentation leading to more lightning in a bottle from new sources.

3. Despite (or perhaps because of) a broad spectrum of opposition to incoming President Trump, the Democratic Party splinters, as far-left and moderate-middle are unable to reconcile themselves as being in the same group.

It seems like there's a lot of splintering going on in both the Democratic and Republican parties, with the D's struggling to find a tent big enough for left and middle and the R's jockeying for proximity to Trump and power for '28.

4. For the first time ever, a major US professional sports team names a female head coach.

Another aspiration dressed as a prediction. I'm not aware this has happened yet. Shouldn't it have by now?

5. Once left for dead and featuring noticeably homogenous casts, soap operas make a spirited comeback, updated for modern sensibilities with more multi-ethnicity in cast and content.

I think "Beyond the Gates" qualifies as this? Did I get one at least partially right?

And now onto 2026:

1. R's retain the Senate, D's take back the House, and the lessons the two parties derive from these results is that the R's need to run to the middle and the D's need to run to the left.

2. AI tools proliferate in accessibility and intricacy, driving production costs down significantly and leading to a proliferation of original content, which chips away at the oligopoly of entertainment content providers, including big award wins and commercial success for relative unknowns.

3. Despite the hand-wringing from Philly sports talk radio and national pundits, the Eagles repeat as Super Bowl champs and do so quite handily just like last season.

4. Significant breakthroughs in gene-level health remedies spark major ethical dilemmas around equity of access and privacy of identity.

12.23.2025

2025 Books I've Read

 





Here are my ratings for the 52 books I read in the past 12 months.  In case you've forgotten, the scale goes like this: 1 - pass, 2 - some good some bad, 3 - recommended, 4 - can't stop raving about it, 5 - fundamentally changed my worldview. 

Please weigh in with recommendations. Especially seeking to diversify into more fiction and more non-white and female authors. Also trying to sprinkle in longer reads and classics (I've italicized the really hefty books from 2025). Tell me your must-reads!

 

Divine Comedy: Inferno, Purgatorio, Paradiso (Alighieri) 4 

Tale of Genji: The Authentic First Translation of the World’s Earliest Novel (Shikibu) 3

The Aeneid (Vergil) 3

The Complete Poetry (Angelou) 3

Evicted: Poverty and Profit in the American City (Desmond) 4

Native Nations: A Millennium in North America (DuVal) 4

Dante: A Life (Barbero) 3

The Twelve Tribes of Hattie (Mathis) 3

Collected Stories of Willa Cather (Cather) 2

Covenant of Water (Verghese) 4

Hard Is Not the Same Thing as Bad: The Perspective Shift That Could Completely Change the Way You Mother (Halberstadt) 3

The Saint of Bright Doors (Chandrasekera) 3

Foreign Bodies: Pandemics, Vaccines, and the Health of Nations (Schama) 3

Traffic: Genius, Rivalry, and Delusion in the Billion-Dollar Race to Go Viral (Smith) 3

Palaces for the People: How Social Infrastructure Can Help Fight Inequality, Polarization, and the Decline of Civic Life (Klinenberg) 4

Tools Of Titans: The Tactics, Routines, and Habits of Billionaires, Icons, and World-Class Performers (Ferriss) 4

The Phenomenon: Pressure, the Yips, and the Pitch that Changed My Life (Ankiel) 4

Moonwalking with Einstein: The Art and Science of Remembering Everything (Foer) 4

Water Dancer (Coates) 4

We Learn Nothing: Essays and Cartoons (Kreider) 4

Pachinko (Lee) 4

The Art of Asking: How I Learned to Stop Worrying and Let People Help (Palmer) 3

Bleak House (Dickens) 3

Zig (Ziglar) 3 

City of God (Augustine) 4

Mindset: The New Psychology of Success (Dweck) 4

Determined: A Science of Life without Free Will (Sapolsky) 4

Blue Ocean Strategy: How to Create Uncontested Market Space and Make the Competition Irrelevant (Kim) 3

Daily Rituals: How Artists Work (Currey) 3 

Passage to India (Forster) 3

Democracy Awakening: Notes on the State of America (Richardson) 4

Billions and Billions: Thoughts on Life and Death at the Brink of the Millennium (Sagan) 4

Roots: The Saga of an American Family (Haley) 5

Driving the Green Book: A Road Trip Through the Living History of Black Resistance (Hall) 4

Opinions (Gay) 3

Infinite Jest (Wallace) 3

Long Walk to Freedom: The Autobiography of Nelson Mandela (Mandela) 4

Democracy in America (de Tocqueville) 4

Last Team Standing: How the Steelers and the Eagles—"The Steagles"—Saved Pro Football During World War II (Algeo) 4

Harry Truman's Excellent Adventure: The True Story of a Great American Road Trip (Algeo) 4

His Very Best: Jimmy Carter, a Life (Alter) 4

The Heaven & Earth Grocery Store (McBride) 3 

Count of Monte Cristo (Dumas) 4

Abundance (Klein, Thompson) 4

The President Is a Sick Man: Wherein the Supposedly Virtuous Grover Cleveland Survives a Secret Surgery at Sea and Vilifies the Courageous Newspaperman Who Dared Expose the Truth (Algeo) 4

I Wear the Black Hat: Grappling with Villains (Real and Imagined) (Klosterman) 3

Finding the Mother Tree: Discovering the Wisdom of the Fores (Simard) 3

The Infinite Game (Sinek) 3

Skin in the Game: Hidden Asymmetries in Daily Life (Taleb) 3

Sapiens: A Brief History of Humankind (Harari) 4

Rationality: What It Is, Why It Seems Scarce, Why It Matters (Pinker) 3

The Minimalist Home: A Room-by-Room Guide to a Decluttered, Refocused Life (Becker) 2


12.22.2025

New Year's Resolutions

 


Since 2011, I’ve posted my New Year’s resolutions at the end of each year.  It’s a good way to do a year-end check-up and see how I did and what I need to recommit to into the New Year.  So without further ado:

 

1. Body - run 720 miles, swim 120 miles, lift 240 times, bike 600 miles; eat better. 

Actual counts for 1st 11 months of 2025: run 618 miles, swim 109 miles, lift 220 times, bike 505 miles. I’m glad to have prioritized this and to have done a pretty good job making it happen. Aging plus tweaking my back has meant adding some stretching to my routine, which is good cue for slowing down and taking care. And keeping a food journal on my public social medias is also a helpful accountability mechanism to make good meal choices. Grade: A 

 

2. Civic – leverage skill/opportunity for maximum social impact, make a difference on the hard issues. 

Feeling good about speaking up where my impulse might be to keep quiet, and saying no where I might be tempted to overcommit. Grade: B 

 

3. Friends and family – quality if not quantity, be there when needed. 

I wish I had more time, but I appreciate the time I do make, and have learned to be present and seek quality. Grade: B 

 

4. House – an ounce of prevention, making it a home. 

I’ve continued to pay my ounce of prevention to avoid pounds of cure, which keeps me busy but minimizes fire drills. Grade: B 

 

5. Kids – 1-on-1 times each quarter. 

Two are off at college, and the youngest is growing into greater independence, so the quantity of time and the amount of influence is less. But happy with moments to be together, to show love, and to impart wisdom. Grade: B

 

6. Marriage – three kid-free trips. 

Fewer longer times, but many more special moments. That said, I wish for more longer times. Grade: B 

 

7. Mind – read 50 books. 

This was the year of the long read. Loved me some incredibly moving narratives, which were good for my body and soul. I’ll post my titles tomorrow. Grade: A. 

 

8. Self – three hours per week of uninterrupted me time, three personal day getaways. 

I made time for 4 personal days, but I didn’t do as good a job at carving out slivers of time most weeks even for a 10-minute walk, so that needs to improve. Grade: B 

 

9. Spiritual – 100 Bible memory verses, time each morning for Bible/prayer. 

Spent the year in the Psalms and Proverbs, a great way to begin a day. Grade: B 

 

10. Work – do good projects. 

Our higher ed practice was particularly busy, and it was fun to work with so many great institutions across the country, and in the process to see both similarities and differences in their impact stories. Grade: B

12.17.2025

Too Short for a Blog Post, Too Long for a Tweet 504

 




Here are a few excerpts from a book I recently read, "Skin in the Game: Hidden Asymmetries in Daily Life," by Nassim Nicholas Taleb.



I have a tendency to watch television with the sound off. When I saw Donald Trump in the Republican primary standing next to other candidates, I became certain he was going to win that stage of the process, no matter what he said or did. Actually, it was because he had visible deficiencies. Why? Because he was real, and the public—composed of people who usually take risks, not the lifeless non-risk-taking analysts we will present in the next chapter—would vote anytime for someone who actually bled after putting an icepick in his hand rather than someone who did not. Arguments that Trump was a failed entrepreneur, even if true, actually prop up this argument: you’d even rather have a failed real person than a successful one, as blemishes, scars, and character flaws increase the distance between a human and a ghost.

Scars signal skin in the game.



When, on leaving office, Barack Obama accepted a sum of more than $40 million to write his memoirs, many people were outraged. His supporters, statists who were defending him, on the other hand, were critical of the rich entrepreneurs hired by the subsequent administration. Money is greed, for them—but those who did not earn the money via commerce were illogically exempt. I had a rough time explaining that having rich people in a public office is very different from having public people become rich—again, it is the dynamics, the sequence, that matters.



A certain class of theoretical people can despise the details of reality. If you manage to convince yourself that you are right in theory, you don’t really care how your ideas affect others. Your ideas give you a virtuous status that makes you impervious to how they affect others. 

Likewise, if you believe that you are “helping the poor” by spending money on PowerPoint presentations and international meetings, the type of meetings that lead to more meetings (and PowerPoint presentations) you can completely ignore individuals—the poor become an abstract reified construct that you do not encounter in your real life. Your efforts at conferences give you license to humiliate them in person.



In the Eastern Mediterranean pagan world (Greco-Semitic), no worship was done without sacrifice. The gods did not accept cheap talk. It was all about revealed preferences. Also, burnt offerings were precisely burnt so no human would consume them.



You will not have an idea about what people really think, what predicts people’s actions, merely by asking them—they themselves don’t necessarily know. What matters, in the end, is what they pay for goods, not what they say they “think” about them, or the various possible reasons they give you or themselves for that. If you think about it, you will see that this is a reformulation of skin in the game.

12.16.2025

What Am I Working On

 



As has become my custom every six months, here's what I'm working on now at work. I won't repeat anything from last time that I happen to still be working on, and for confidentiality's sake I have to blur some of the details for some of these studies.

* Advising a large city on how to support greater use of small and local businesses in municipal procurement.

* Advising a social service non-profit organization on the financial ramifications of expansion.

* Economic and social impact studies of two publicly funded universities and three private universities in four different states.

* Quantifying the economic benefit to households and local government from an anti-blight initiative.



12.15.2025

Too Short for a Blog Post, Too Long for a Tweet 503

 



Here are a few excerpts from a book I recently read, "Life 3.0: Being Human in the Age of Artificial Intelligence," by Max Tegmark.


The AI they had built, nicknamed Prometheus, kept getting more capable. Although its cognitive abilities still lagged far behind those of humans in many areas, for example, social skills, the Omegas had pushed hard to make it extraordinary at one particular task: programming AI systems. They’d deliberately chosen this strategy because they had bought the intelligence explosion argument made by the British mathematician Irving Good back in 1965: “Let an ultraintelligent machine be defined as a machine that can far surpass all the intellectual activities of any man however clever. Since the design of machines is one of these intellectual activities, an ultraintelligent machine could design even better machines; there would then unquestionably be an ‘intelligence explosion,’ and the intelligence of man would be left far behind. Thus the first ultraintelligent machine is the last invention that man need ever make, provided that the machine is docile enough to tell us how to keep it under control.”




Unfortunately, better AI systems can also be used to find new vulnerabilities and perform more sophisticated hacks. Imagine, for example, that you one day get an unusually personalized “phishing” email attempting to persuade you to divulge personal information. It’s sent from your friend’s account by an AI who’s hacked it and is impersonating her, imitating her writing style based on an analysis of her other sent emails, and including lots of personal information about you from other sources. Might you fall for this? What if the phishing email appears to come from your credit card company and is followed up by a phone call from a friendly human voice that you can’t tell is AI-generated? In the ongoing computer-security arms race between offense and defense, there’s so far little indication that defense is winning.



Scenarios where humans can survive and defeat AIs have been popularized by unrealistic Hollywood movies such as the Terminator series, where the AIs aren’t significantly smarter than humans. When the intelligence differential is large enough, you get not a battle but a slaughter. So far, we humans have driven eight out of eleven elephant species extinct, and killed off the vast majority of the remaining three. If all world governments made a coordinated effort to exterminate the remaining elephants, it would be relatively quick and easy. I think we can confidently rest assured that if a superintelligent AI decides to exterminate humanity, it will be even quicker.



Elon’s stage performance consisted of an hour of fascinating discussion about space exploration, which I think would have made great TV. At the very end, a student asked him an off-topic question about AI. His answer included the phrase “with artificial intelligence, we are summoning the demon,” which became the only thing that most media reported—and generally out of context. It struck me that many journalists were inadvertently doing the exact opposite of what we were trying to accomplish in Puerto Rico. Whereas we wanted to build community consensus by highlighting the common ground, the media had an incentive to highlight the divisions. The more controversy they could report, the greater their Nielsen ratings and ad revenue. Moreover, whereas we wanted to help people from across the spectrum of opinions to come together, get along and understand each other better, media coverage inadvertently made people across the opinion spectrum upset at one another, fueling misunderstandings by publishing only their most provocative-sounding quotes without context.

12.10.2025

Recommended Reads, 54th in a Quarterly Series

 




Books I've read lately that I would recommend:

City of God (Augustine). Like reading extra writings of Paul, contemporized to the time right after Christ but several centuries removed from the present.

Mindset: The New Psychology of Success (Dweck). Love how this worldview is making its way into education, business, and sports.

Determined: A Science of Life without Free Will (Sapolsky). I still believe in free will but appreciated this reasoned argument that it just doesn't exist.

Democracy Awakening: Notes on the State of America (Richardson). I don't agree with all of the current argument that Trump is bad for our democracy but did very much follow this book's observations and warnings.

Billions and Billions: Thoughts on Life and Death at the Brink of the Millennium (Sagan). An absolute treat to learn more about and from a science legend.

Roots: The Saga of an American Family (Haley). This book shot up to the top of my "everyone must read" list; we cannot process today's race issues without understanding this inter-generational saga.

Driving the Green Book: A Road Trip Through the Living History of Black Resistance (Hall). A fascinating review of the existence of an annually updated resource for traveling Black families to know where to find sympathetic establishments.

Long Walk to Freedom: The Autobiography of Nelson Mandela (Mandela). A truly inspiring autobiographical account of the high cost people must bear to secure basic liberties for others.

Democracy in America (de Tocqueville). As our democratic experience nears 250, helpful to consider these observations from its earlier days well after independence but before Civil War.

Last Team Standing: How the Steelers and the Eagles—"The Steagles"—Saved Pro Football During World War II (Algeo). Given how much of a financial and cultural behemoth the NFL is, very quaint to read about how barebones professional football was in its earliest days and then particularly during the war.

Harry Truman's Excellent Adventure: The True Story of a Great American Road Trip (Algeo). I didn't even register until later that this was the same author as the previous book, but here again is a quaint concept, that the president of the United States could leave office and then go on a road trip through America.

His Very Best: Jimmy Carter, a Life (Alter). A fair and detailed account of a remarkable life.


12.09.2025

I Have A Solution to Our Housing Affordability Problems, and It's to Make More Housing

 


There is hardly anything more basic than the concept of home, the reality of one’s own home, and the notion that everyone deserves a home. Accordingly, we devote a lot of personal attention and resources to saving up for, looking for, closing on, and then living in our home. And, rightly, we devote a lot of civic attention and resources to advocating for accessible and affordable housing for all. 

Given all that, let me try to say a few things about the topic of housing. I acknowledge that my opinions are just that: opinions. I hope they are opinions that are informed by the head and that come from the heart, even if they come from a particular life perspective and political ideology that not everyone around me agrees with. 

Like most goods and services, housing is generally governed by the influences of supply and demand. To take you back to freshman Econ 101, consumers tend to want to consume more of something if it’s cheaper (that’s the demand curve), while producers tend to want to produce more of something it’s more expensive (that’s the supply curve). You can see how these influences would apply to housing, just as it would with hamburgers and haircuts: if housing is cheaper you are motivated to buy more of it (e.g. a bigger house, a nicer kitchen), and if housing is more expensive you are motivated to sell more it (because you’ll make more money). 

So far I hope I haven’t said anything controversial. But I share this to show that there are some things we can do in the name of housing affordability that don’t really help but actually hurt. And, there are some things we don’t want to do that actually will help. 

To over-generalize, in America we tend to have two sides on any political debate. On this particular topic, both sides have sometimes expressed a similar sentiment but applied to different groups. One side says illegal immigrants are the reason for our housing affordability; take away their demand by blocking them from buying houses, and voila the rest of us will be able to buy houses for cheaper. Another side says the reason houses are unaffordable is we let Blackrock and other big institutional investors buy everything up, bidding up prices and making the remaining units inaccessible to the rest of us.

But there’s another participant in this discussion, which is those that are selling those houses. Leaving aside how hard it would be to exclude an entire group from buying a house, such a restriction has the effect of preventing a house-seller from selling their house at the highest price someone has agreed to pay for it. And, since all of us house-buyers eventually become house-sellers (unless you want to die with the house and pass it on to your kids, I guess), anything that makes it harder to sell a house makes it a little less attractive to buy a house. 

So restrictions on who can buy, aside from being distasteful about picking who’s worthy and who isn’t, seem far less attractive than something that can actually address the housing affordability issue, which is making it easier for new housing to be built. That is truly Econ 101: when demand goes up for a product, there are two things that happen, one being that supply goes up to meet the demand (and price stays the same), or supply is fixed and as a result price goes up (which is literally the opposite of affordability!). 

“Making it easier for new housing to be built” can take many forms, from clearing the way for developers to do big projects to providing incentives for existing houses to be renovated up to modern preferences to even allowing people to rent out portions of their property (a room, an accessory dwelling unit in the backyard). 

Now obviously, when matching supply and demand, not all units are the same. A renovated studio unit in Fargo is not the same thing as a brand new single-family detached place in the Silicon Valley, and so forth. But, generally speaking, the very places where affordability is a challenge are the places where demand is high and supply is unnecessarily fixed. I say “unnecessarily” because it’s usually not a situation where you literally can’t cram any more housing into an area, but rather it’s made-up reasons like “I don’t want ‘those people’ in my neighborhood,” or if you’re trying to masquerade as a better person than that you say things like “it’ll wreck the built character of the block” or “it’s out of scale” or “it’ll ruin my view” or blatantly erroneous things like “it’ll be bad for the environment.” I find it bigoted to hate certain groups and then justify your ineffective housing solutions by furthering piling on them. I also find it hypocritical to say that you are an ally to certain groups and then oppose effective housing solutions that will help those groups. Politics in 2025, ladies and gentlemen!

In sum, there are ways people have devised to solve the housing affordability problem that are merely outgrowths of their politically motivated disdain for certain groups, whether it is racial groups or rich companies. And then there is the far more straightforward solution, which is to let there be more units available. This is truly a real discussion with real consequence. There’s nothing more basic than making sure we all can live somewhere without breaking the bank. Let’s stop posturing and let’s start solving the problem.


National Religion

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