Schopenhauer once said “The doctor sees all the weakness of mankind, the lawyer all the wickedness, the theologian all the stupidity”. You don’t need to be a professional to see the vast sea of weakness (physical, mental and financial), lack of virtue and ignorance in the human population. That shouldn’t be a source of angst; it should be a comforting delineation of what you and your family have achieved. You are winning the brutal battle for existence.
My clients overwhelming tend to be strong, virtuous and intelligent. They work hard to accumulate some wealth, fight valiantly to protect their family and pursue daily the knowledge needed to face the future carefully. Insurance, sound investments and estate planning are essential components to long-term success.
Virtue, like strength and intelligence, is a habit. It’s deliberately and carefully built over time. Aristotle said as early as 350 B.C. “We are what we repeatedly do. Excellence, then, is not an act but a habit”. So many weak people today do not act virtuously. They are dependent, avoid work, fake a disability to collect benefits, intentionally incur unreasonable debt to file bankruptcy or purposefully fail to pay taxes to negotiate with the IRS.
Don’t resent those millions of worthless, immoral freeloaders. Embrace the negative aspects of humanity. Only a small minority of us will develop the ability to transcend short-term, instinct and desire in order to make conscious ethical choices. Make a habit of increasing your strength, morality and awareness. Building a War Chest of preparedness is a victory of virtuous principles. Congratulations!