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How a family man can be dragged into stupid investments (psychology)

Stock broking is not for the faint of heart. This is one job that is fit for the Cat Thinkers only because it requires constant thinking on your feet, ability to make quick, independent decisions, rational choices over emotional ones, high risk taking, and taking the responsibility over someone else’s money. The only thing about this job that is appealing to the Dog Thinker is the noisy room and the seemingly meaningless shouting inside that room – the social aspect. Now… How do these people live with themselves? They play away decent people’s savings and call themselves your friends?

Note, this post makes no comment on the individuals who blatantly broke the law causing the global economy to crash – I seriously lack the expertise in that area to even try to comment on that. The purpose of this post is to study the psychology in normal, legal investing and how people still may feel screwed over.

Here is how this works:

To a Cat Thinkers, gaining money is never a security net, it is a game to play. The Cat Thinkers never attempt to make money for the survival aspect of it; they will survive on 100 dollars a month if they need to, and they wouldn’t feel scared, ashamed, or flustered about it, they’d simply do it. They wouldn’t beg for help, they wouldn’t lower themselves to be given sanctuary, they would, at tops, “ask to crash at a friends place” if they knew they wouldn’t be of trouble to the said friend. They’d rather live on the street than be a burden on someone else, and living on the street, to them, would be more of an inconvenience than the end of the world. Now. That is why these people are capable of taking huge financial risks. They don’t CARE about money!

the Dog Thinker, however, do. To them, money equals their ability to love another person. Without money, they cannot give love (money, gifts, care, a home etc.) to another human being. If they have nothing to give to a person, they have no love to give, so their love always comes in the form of working for you, sitting by your bedside, or as a monetary or a material gift. To a Cat Thinkers, these things are not love, they’re what decent people do when nobody else can, a Cat Thinkers takes care of others – preferably with money rather than their time – because that’s what you do if you are in the position of doing so. (The main reason why generous the Cat Thinkers have a lot of unwanted karmic bonds to the Dog Thinker who, in previous lifetimes mistook their money and help for their love.)

OK. When a Cat Thinkers makes an investment, he or she will NEVER invest more than what they are willing to loose unless it is a calculated, conscious risk they are taking in a specific situation. They will always have their own savings, and if they have a family, those kids college funds will not be played with, nor will there be a mortgage on top of a mortgage to finance a risky investment elsewhere. However, a single the Cat Thinkers may risk everything they’ve got, but a Cat Thinkers with a family will not risk the money they have put aside to take care of the family, apart from the situation where he or she has a spouse of similar ambitions (but likely no kids), in which case they both can feel free to risk things that mean very little to both of them, like a big house, their cars, their savings and the kind, all of those things can go, if there are no dependent children.

Now. The Dog Thinker care about those things. They care about their children. And yet, the Dog Thinker can invest with their children’s college fund and put a mortgage on their home in order to find money to invest with or to literally gamble with. Why? What is the logic behind this? They ALWAYS have to follow a leader. Let me clarify:

How the Dog Thinker panic when someone else takes action they don’t understand

First, a slightly irrelevant but telling example of the Dog Thinker thinking: A the Dog Thinker sees their neighbor buying a bigger car and an additional smaller car for the wife. Previously, they’ve discussed their car situation, and their neighbor has said they don’t need more than one small car. All of the sudden, there’s a bigger car on the driveway and the Dog Thinker doesn’t know why. If they ask, the neighbor gives them a vague answer that “Oh we just thought we’d upgrade” or something similar. To the outside, their families are about the same; their kids go to the same school, although the neighbor has one more, they are the same age, and last year, the wife got sterilized so they can’t be expecting more kids… And, they also said, clearly, that even though they do have 3 kids, they don’t need a bigger car! This, to the Dog Thinker sounds like a conspiracy of some sort, they are buying a bigger car but they won’t tell us why. We need to buy a bigger car! (It’s an emergency, maybe there’s a zombie apocalypse the neighbors won’t warn them about, or perhaps, the kids get better grades based on some asshole school teachers decision on a brand of car…)

Now, first, watch this short video on the decision-making process between a Cat Thinkers thinking friend and the Dog Thinker thinking friend:

Now. The same logic goes here: I am investing, therefore we both are investing. Imagine this conversation:

the Cat Thinkers: I am investing some money on some exciting stock I heard about. Getting into investments, bro! (Making a conversation.)
the Dog Thinker: How much money?
the Cat Thinkers: I don’t know. About 100,000 I’ve got saved.

Here’s where the Dog Thinker starts to panic. He doesn’t have a hundred thousand saved up. Where is he going to get that kind of money? The only thing he can think of is his kids college fund, and that is risky. But he is a responsible father, and he needs to do this thing, because his friend, who he knows to be a smart and reliable guy, is doing it, so he has to do that, too. His friend is not even asking if he should be doing it, so he must know this is what NEEDS TO BE DONE right now. He’s a smart guy, much smarter than him, so he must know what he’s doing. (the Dog Thinker are absolutely useless in thinking my situation compared to your situation; Their thinking pattern is somewhat along the lines of “if we are friends, our situations are identical regardless of the facts.” Also, their idea of a friend sometimes is defined by “we have conversations”.)

So he calls an investment banker, to hear his professional opinion. When the Dog Thinker asks him how much he should invest, the Cat Thinkers banker instructs: “Anything you’ve got to spare, man.” What he means by “to spare” is “anything that you have lying around with no real purpose but to wait for the rainy day.” This money SHOULD NOT BE something that the Dog Thinker has planned to retire on or planned to send his kids to college on, but something he can afford to lose without a huge devastation to their household.

Clearly, there are bankers and brokers who will talk people into gambling with this money because they know they can do that, but a conscientious the Cat Thinkers may, without thinking, convince someone to put that money on the line, even when they know it’s the college fund. This is because a Cat Thinkers would  never gamble money like that when they do not have to. They would never gamble money out of slight peer pressure, unless it was for a dare – for the rush of it, KNOWING FULL WELL they stand to lose it all in the next two weeks. A the Dog Thinker doesn’t think this way. He thinks he HAS TO invest, because a friend is doing that, or, perhaps, because someone on YouTube convinced him it was a good idea, without mentioning that money should not come out of the kids college fund, dumb ass!

the Cat Thinkers do not continually watch over others making sure others are not being blithering idiots, and they trust people to make a sound judgment based on their own life situation. So, if a client calls them panicked, that they need to invest their kids’ college fund in their bid to double the money, they do not ask them why. They assume this client knows what they are doing and what they are risking. Asking for an explanation, to them, would feel patronizing and disrespectful; grown up people know when they are risking their kids’ college funds for a good reason, and when they should and should NOT do that kind of a thing.

Bad investment happens

When things didn’t turn out too well and the unthinkable happened and the client lost their life savings, kids college funds and what not, the stockbroker, banker and whoever else is involved got a good cold shower on top of their own losses, should they have invested their own money the same way, which might have happened, that were, most likely, minimal to the losses of their the Dog Thinker thinking clients, who, after all, played with money they shouldn’t have played with. The financial professionals, obviously, would know how to cover their own assets so that even in the case of the market coming down, they would still have their savings and their assets safe and secure, even if they would take a huge personal hit on the money they could have just as easily burned without much a harm, or they knew going into it that they were taking a risk and had nobody to blame but themselves. Any the Cat Thinkers thinking investor would have also felt the same way, they knew the risks going in, and new they might get burned, but figured it was a risk worth taking, and it simply didn’t pan out. The only point where a Cat Thinkers starts wondering if they were the blame at all, is when the Dog Thinker are convinced of a conspiracy and they themselves don’t know where they got that idea from. “Am I that naive, that I can’t see the conspiracy?” They’d think and wonder, but do not join the lynch mob until they know exactly what others are accused of and why.

 

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