Inflation is hurting me

In February 2024 this website crashed for no apparent reason. Despite using professionals at GoDaddy.com it was impossible to restore anything after October 2021 (over 100 posts). I do have many of those post in draft form (no final edit or photos) and I have decided to repost them in that manner. I apologize for typos and other errors. How do I feel about losing all of my original work? Life goes on.

Julie wanted a Coke on the way home, so we decided to stop at McDonald’s. I ordered a few food items but no meals. The drive-through display flashed, “Small Vanilla Shake Surcharge.” As we pulled forward, The screen blanked for the next customer. “Did you see that?” I asked Julie. “Yes, what was that about?” She responded. I asked the attendant; they had no clue. No receipt was offered. I called McDonald’s corporate. They noted that franchise operators set their prices. I wondered if this was why that McDonald’s stopped offering receipts a few months back.

Once a month, my siblings get together for breakfast. We meet at a local chain restaurant called “Honey Jam.” The food is average, but the location is convenient for all parties. The prices have steadily escalated, so I no longer get my usual breakfast there. Still, spending (with tip) $40-$50 for two simple meals is commonplace. Our last meeting was on a Sunday morning, typically a crowded time. We were surprised that the restaurant was half empty. Breakfast has always been an inexpensive way to go out for food. However, spending $50 for average food that can easily be cooked at home is having an impact. 

My sister went to a nicer restaurant with some of her friends. She ordered a sandwich and coffee. Her bill was almost $40, and it included a surcharge. Why a surcharge? No one knew.

My sister-in-law got her haircut at an expensive salon. She also noticed a new surcharge that no one could explain. My sister reports that many women are going more “natural” by not spending money on dying their hair. How much of this is due to costs?

Car prices have gone up dramatically in the last few years. I bought a new Ram van 2018 for $27K, and a similar 2024 van is now selling for $47K! Dodge/Ram/Chrysler vehicles have increased by around 50% since 2019, and other manufacturers’ prices have exceeded inflation. Many auto builders have stopped making sedans in favor of SUVs and Trucks, which have a higher profit margin.  

A friend bought a loaded GMC pickup that cost over $100K. He got 3-year, zero-percent financing, but his monthly payment is over $2,700! The average cost of a vehicle is now over $60K. Ford’s CEO stated that Ford would continue to focus on these expensive vehicles, leaving the average consumer in the dust. Car manufacturers and dealers have reported huge profits, but that is because of massive surcharges on vehicles (often called a “Market Adjustment”) and fleet sales. Multiple sources say dealer lots are overflowing with expensive SUVs and trucks. People can’t afford them.

Car repairs have also gone wild. I just had several repairs on my Ford, they were around or over $1000, and none involved engine work. One was to replace a single wheel bearing, and the other was to replace two pipes that were part of the exhaust system. I now see an unexplained surcharge when I take vehicles for repairs at Ram/Dodge and Ford.

Increased grocery prices are compounded by shrinkflation. A box of 8 cookies now contains 6. Two packages of a Costco meal are needed to feed a family instead of one. Loaves of bread are smaller by a third. I made a bundt cake using my mom’s 1960s pan the other day. It now takes two cake mixes instead of one to fill the pan. Essential foods like eggs, pasta, and beans have all jumped in price.

Tipping is crazy. In the past, you tipped a person who provided personal service to you, like a waitress. Then it expanded to other service industries. Now, everyone wants a significant tip for doing very little. This point was illustrated by trips to a Ben and Jerry’s ice cream and a Stan’s Donuts. Both establishments charge a premium price for their products and expect a 25% tip at checkout. That is for putting a scoop of ice cream in a cup or a donut in a bag. I have heard shaming stories when clerks roll their eyes and walk away when a customer doesn’t tip enough. 

Despite being a retired professional, I have had to take significant steps to cope with these increases. My cars are older, but no new vehicles are in my future. Over the last year, I have found myself dining out only if there is a significant reason, like a celebration or a specific get-together. I now have second thoughts about fast food; when I go, I omit or downscale items. I’m not alone, as McDonald’s CEO noted that fewer people are ordering french fries, possibly in an attempt to reduce their bills.

I have deliberately tried to grocery shop wisely. I am partially or wholly supporting five adults, and food is costly. I am buying more basic foods and less convenience foods. I am making a solid effort to use our purchased foods and not let them spoil. I am cooking more from scratch and keeping my menus simple. Yet, I still spend hundreds of dollars a week on groceries. 

I am trying to drive less by planning my errands accordingly. Before I go anywhere, I think, “Do I need to do this now, or can I tag this on to another chore tomorrow? 

I need some basic yard work done. I am allergic to grass, and I’m also not tolerant of heat. In the past, I would pay someone to do this work. However, this weekend I be operating the garden clippers. 

Admittedly, my household budget strain has gone up. Julie has not been able to contribute to household expenses, and William has returned home from college. Both of these situations have had an impact on our living costs. I’m a person who loathes being in debt, so I’m more conservative than many with my fixed income. I’m able to keep my head above water. However, I worry about those earning low wages or surviving on Social Security. 

I was raised in a financially conservative culture. If we didn’t have the cash, we made due. My parents were credit card free until I was out of college. The first time I went out to a sit-down restaurant was in 8th grade when my uncle took my parents and me. My father only bought one new car, a lower-end Ford. We mainly had used cars, and if the repair was simple enough, my dad did it. My mother repaired our clothing using a sewing machine with thread tension issues (it constantly broke the thread). She didn’t buy a new sewing machine; she found ways to make the malfunction happen less often. Any vacations were a bonus and very simple. There was no such thing as a yearly family trip. 

There were some negatives to this forced frugality. When I turned 18, I went to the dentist, only to find that the lack of childhood attention left me with many cavities I had to pay to fill.

However, there were also positives. I have no brand loyalty; one catsup is as good as the next. I can do some repairs around the house. I can cook from scratch and enjoy economy foods like casseroles. I don’t feel compelled to “Keep up with the Jones.” I feel secure in myself. I don’t see things or possessions as the royal road to happiness. Instead, I see learning, connections with others, and creating as my tickets to well-being.  

Yet, all of the above financial issues do stress me. I think, “Yes, I can handle this now, but what about the future?” Others who have not adopted habits of frugality are stressed more than me. How do people survive on minimum wage or social security alone? It seems impossible. Do they run up their charge cards? Do they neglect basic needs like food or health care? From my vanlife experiences, I know some have become involuntary van dwellers. To choose to live in a van is fine. To be forced to live in a car is not great.

It saddens me that we have become a two-tier society of rich and not rich. I live in an affluent suburb where it is clear that these increases have little real impact on those who live in our financial bubble. However, they are not the majority.

We have a service economy, but fewer can afford services as prices increase. The higher-paying blue-collar jobs that ranged from factory work to truck driving have evaporated with anti-union pressures and competition from abroad.  

If we stay on this trajectory, the only reasonable conclusion is that we will return to a simpler time: smaller dwellings, public transportation, simpler foods, and more DIY. In itself, that is alright. However, likely, things won’t stop there. All we have to do is to look towards Europe, where energy and food costs have risen to the point where some people have to decide on one or the other. As the separation of wealth escalates, will we become a third-world country?

On Burnout

In February 2024 this website crashed for no apparent reason. Despite using professionals at GoDaddy.com it was impossible to restore anything after October 2021 (over 100 posts). I do have many of those post in draft form (no final edit or photos) and I have decided to repost them in that manner. I apologize for typos and other errors. How do I feel about losing all of my original work? Life goes on.

Julie and I were driving home from a breakfast get-together with old friends. We had a pleasant visit, but it seemed like she was miffed about something. Eventually, it came out. Our friends wanted an update on Julie’s cancer treatment, and Julie felt that she should have had talking rights on the topic. Instead, I added some facts here and there, partly because my medical background clarified the information and partly because I was trying to lessen the burden on Julie. The road to hell is paved with good intentions. How was it that my good intentions were so misunderstood?

Generally, I don’t need to prove my point, but I want the other person to know where I’m coming from. I don’t believe in mind reading in a relationship; I’m happy to tell someone why I did or said something or how I feel about their behavior. I told Julie I didn’t intend to take the spotlight off her and described my rationale. However, as the words came out of my mouth, I had an epiphany. This wasn’t Julie’s cancer; it was our cancer. I’m not implying that I had the tumor, surgery, or post-operative care. However, her illness has impacted our entire family, and it has impacted me. As her primary caregiver, I am affected on multiple levels as we go through this cancer journey.

I know some of you are squeamish when it comes to personal disclosure. You should stop reading now. For the rest of you, let’s explore this topic.

It has been almost a year since Julie developed symptoms. A year filled with appointments, procedures, pain, more procedures, and disability. It has been a year of changing future dreams and modifying present expectations. It has been a year of worry and fear. 

Our family’s geist is one of rational acceptance. As serious as Julie’s condition is, it is not our nature to gnash our teeth and focus on the negative. We move forward methodically as we navigate the labyrinth of doctors, hospitals, and procedures.  

Julie has worked hard and has made progress. However, there are limitations to what she can do. Her progress bar continues to move to the right, and I am proud of her efforts. However, it is not all rainbows and unicorns. 

My retired life has been constantly redefined as I have worked to discover the right balance of tasks and activities to give me a sense of purpose and pleasure. Generally, I have been successful in this pursuit. I do many of the household tasks. This hasn’t bothered me as I felt I still had control over my days and enough free time to pursue my interests. Life was good.

However, this changed with Julie’s illness, and the delta of that change has moved exponentially since her surgery and all of the limitations that it has created.  

Below is my schedule for this week. Julie can’t drive now, so most of the blocked times consist of me transporting her from point A to point B. Any additional scheduled appointments are there to meet the needs of other family members. Some of those obligations are in temporal conflict with Julie’s appointments. Additionally, this schedule does not include any of my tasks inside and outside the house. If you are a housewife or househusband, you understand the magnitude of managing a home and a family. Note there are no appointments on the schedule of my activities. There isn’t any time for them.

It would be nice to present myself as Saint Michael. All giving, forever sacrificing, never self-serving. However, my life is not an episode of “Touched by an Angel.” To be honest, I feel resentful. I’m not bitter towards Julie or the cancer. I’m resentful of the situation that I’m in, where once again, my days are scheduled with little to no time for me.

My intellectual side rationally deals with this situation. My Catholic side makes me feel guilty that I have any negative feelings. But my emotional side wants to scream, “This isn’t fair.”  

Julie is coping in her own way, normalizing her situation by returning to life before cancer. Before cancer, her schedule would change constantly, as would her activities. She continues to replicate that flexible pattern now. I completely understand her position in principle but not in action, as it directly impacts me. Finding out that her schedule has changed the day before can sabotage any plans I may have made for myself.

I am a natural caregiver, but I understand that I also need to care for myself. I’m aware of the phenomena of caregiver burnout. A syndrome that includes depression, isolation, irritability, apathy, fatigue, and other symptoms. Thankfully, I’m not there. However, I need to be vigilant. A burnt-out caregiver is useless to anyone, including the identified patient.

My symptoms consist mainly of the above resentment and feeling sorry for myself. As with most things, I am facing those identifiers head-on.  

Being a guy that likes predictability, I must know where my responsibilities lie. I accept that  I need to drive Julie to her appointments. However, last-minute changes are only OK if there is no other option. This is especially true with Julie’s work schedule, which has become a moving time target. I’m approaching this issue with truthful discussion. Once Julie is driving again, she can alter her schedule as she sees fit, but I need to know when I’m doing something and what I’m doing. 

As far as self-care is concerned, I have had to modify my goals. I can’t go on a trip or even be away for a few hours. Those options are currently off the table. However, I need to explore new things and be creative. Recently, I had three hours between a drop-off and pick-up. It wasn’t practical for me to return home. Instead, I found a new path to go on a hike that turned my time into a pleasant 3.5-mile walk. I brought one of my old cameras I hadn’t used in a while. It was fun to relearn its controls as I scanned the area for interesting pictures to take. I had a little time left that allowed me to visit a family member who lived close by. A potentially soul-crushing three hours of sitting in the car became an enjoyable and creative adventure.   

Yet, there are things that I have to let go of. My friend, Tom, has a wealth of knowledge, a treasure trove of tools, and a creative mind. I wanted him to help with a simple modification of Violet the campervan’s kitchen. Tom developed a much grander idea that I found very exciting. Cooking in Violet over four years of camping has given me insight into my current kitchen’s limitations. Tom offered to rebuild my kitchen completely. He had a break in his schedule this week, and this idea could have become a reality by week’s end. It was a fantastic idea and a generous offer, but my schedule is filled with other tasks. No new kitchen for Violet. Ouch.

I will find solutions and get through this tough time. However, I know I’m not the only person in a caregiving role; others are also being pushed to their limits. The identified patient should get the lion’s share of concern, love, and caring. But the immediate family of that person also suffers, and sans illness, they are impacted in many of the same ways. 

As caregivers, being honest with your feelings and doing a daily self-assessment is imperative. What is my mood? What is my energy level? What is my level of interest in things that I usually enjoy doing? How do I feel about the identified patient? What do I need to modify? What do I need to change? What do I need to say? Direct communication is always better than acting out resentment.

Pushing until you burn out helps no one, including the identified patient. Life can sometimes be challenging. However, there is always some way to improve almost any situation. Respectfully and honestly communicating with your loved one can differentiate between isolating angrily or working as a team. 

As Julie, the kids, and I progress in our journey, I’m sure there will be many twists and turns, ups and downs, good times and bad times. Such is life, but I am determined to make it work by clear communication, a realistic understanding of our limits, and modifications in any behaviors damaging our progress.  

Lastly, caregivers need love too. A kind word, a pat on the back, and an affirming nod can boost us when we are ready to throw in the towel.  

Peace

Mike

The Danger Of Dating Apps

In February 2024 this website crashed for no apparent reason. Despite using professionals at GoDaddy.com it was impossible to restore anything after October 2021 (over 100 posts). I do have many of those post in draft form (no final edit or photos) and I have decided to repost them in that manner. I apologize for typos and other errors. How do I feel about losing all of my original work? Life goes on.

Is Tinder Killing Your Soul?

Are you finding dating apps like Tinder and Bumble stressful?  Does using them make you feel worse about yourself?  Do they make you feel lonely, angry, or undesirable? Have you decided dating isn’t worth it yet wish you had that special someone?  

The following is NOT politically correct. It is not intended to be balanced. But there is truth in what I’m writing. It is your right to disregard everything in this post.  However, if it makes you mad or you need to be enraged in me, I would respectfully say that this piece is stirring you up and possibly exposing you to some realities that you would rather not think about

I will be citing “case studies” in this post.  These stories are based on real people but have been modified to protect their identities.  Some case studies are composites of several individuals.  

The general premise of this post is that dating apps are not bringing people together; they are pulling them apart.  They commoditize men and women into objects accepted or rejected by arbitrary identifiers. I am basing this writing on statistics, my career as an expert in behavior, the thousands of people I have known through my psychotherapy work, and many hours of delving into social media on this topic.  Am I correct in my assumptions?  I think so; otherwise, I wouldn’t be writing this post.  Do you have to believe everything that I say?  That is up to you. 

As a species, what is our main purpose?

Like every other creature on this earth, our purpose is to make more of us; it is that simple. Making babies is more important than writing the world’s greatest novel, making the most money, or landing a spaceship on Mars. If we didn’t have babies, our species would be extinct in less than 100 years. Organisms that have problems reproducing quickly disappear.   

Why are there two different sexes?  

Have you ever noticed that banana-flavored candies don’t taste like bananas?  They once did, but something happened. Banana flavoring is based on the Gros Michel variety of bananas. Before 1950, the Gros Michel banana variety was the banana that everyone ate. Members of all banana varieties are clones; in other words, all bananas from that variety are genetically identical. Since all the banana plants were genetically identical, they had no resistance to Panama Disease, a fungus that attacked the plant’s roots. Because of this disease, all Gros Michel banana plants perished. 

The bananas we eat today are of the Cavendish variety and taste very different from Gros Michels. Are Cavendish bananas clones?  Yes.  Could a different emerging disease wipe out all of the Cavendish bananas?  Yes.  There is a reason for genetic variety.  

Biodiversity allows a species to adapt to environmental changes and to new diseases. Most organisms have a way of sharing genetic material, which increases their biodiversity. Bacteria do this by conjugation; one bacteria fuses with another, exchanging genetic material. Many plant and animal species do this by having two genders, a male and a female, as do humans. 

Many of our cousin species, like the Neanderthal and Denisovans, have perished, so what is necessary for a species to survive?

The best way to continue our species is to ensure that infants mature into adults so they can reproduce and produce more babies.  There are a few ways to do this.  

Females are incentivized to choose the strongest, healthiest mates as this will increase their likelihood of having strong and healthy children. However, superior males will have many females competing for their genetic material, so their most productive strategy would be to impregnate as many females as possible. Many infants may perish in this case, but their larger overall numbers will mean some infants will survive.

A male and female can also form a partnership, providing greater resources for their offspring.  As medical technology has advanced, the likelihood of a child becoming an adult has increased; it now makes more sense for a couple to have only a few children so that a greater portion of their resources can be devoted to them.  

Who created the nuclear family?

In the 1990s, I formed a medical clinic with two other doctors that still thrives today. What was its secret to our success?  Partnership.  The three of us respected each other and liked each other.  We each came to the table with different skills.  Dr. R loved business and all of the intricacies of running one.  Dr. S was great at PR.  I was good at problem-solving and all aspects of technology.  Naturally, our various roles would sometimes cross into another partner’s domain.  However, by mostly sticking to our roles, our lives were easier. No one fought to gain control.  We worked as a team to ensure that our enterprise and families would thrive.  

A healthy nuclear family isn’t that different from a partnership.  But what was the gender that developed this concept? I can only guess, but I assume that females did.  Males have several avenues to reproduce. As child bearers, women are vulnerable during their pregnancy and the ensuing years needed to raise fragile infants and children. Men can have many offspring during a period; women typically have only one. Having a partner to protect and provide would dramatically increase the survival rate of a woman’s children. Naturally, such a partnership would have to offer something to the male.  A mating partnership allows less successful males to reproduce. This increases bio-diversity in the population. In addition, partners provide emotional and physical support to each other.  Together, they would be much more successful than apart.  In the right situation, a partnership of this type benefits all members. 

Just as in any partnership, some work better than others.  However, this doesn’t mean that the concept is irreparably flawed. Younger individuals sometimes assume that all traditional marriages are dictatorships where men are kings and women are slaves. There are good and bad marriages, just like most things in life.  Let’s look at some successful and unsuccessful relational partnerships.

Joanna was a 23-year-old female who came to my office severely depressed.  She was almost vegetative in the presentation.  She wore a dress reminiscent of pioneer days, and her hair was pulled back into a bun. 

Her husband, who was 12 years her senior,  wanted to attend the session, but I told him we would have more success if she came in by herself. He reluctantly agreed. She revealed that she belonged to a very conservative Christian sect where husbands were the absolute rulers of the home. She married at 18 and immediately became pregnant.  By 23, she had four small children, and her husband was demanding they have more.  He said that birth control was against God’s plan. She was completely overwhelmed with her parenting responsibilities and the many household tasks that she had to do.  He wanted me to fix her quickly so she could continue her work and pregnancies. I saw Joanna only three times. On our third meeting, I gently mentioned that it was OK for her to have her own feelings. I assume she told her husband what I said, as he terminated treatment. Her faith and the Bible were used as clubs to push her to the point where she felt she had no hope.  

Terry was a 45-year-old married male who had a kitchen remodeling business.  I was seeing him for severe ADHD, which was only partly treated with meds.  He was scattered and forgetful.  However, the meds helped with his impulsivity. Despite his limitations, he was creative and good with his hands.  In addition, he was very likable. As long as he was doing physical work, he could stay focused. However, he was terrible with all the ins and outs of running a business, including billing.  His wife was much more focused, and in addition to raising their three children, she took over the office role of their remodeling company.  She answered phone calls, made appointments, and, most importantly, did the billing. Terry sometimes felt that his wife was a nag; at other times, she thought he was irresponsible.  However, these were only blips on the radar, and together they had a successful marriage and thriving business.

Jerry was a 48-year-old attorney.  He married his wife when he was in law school, and they had a child within their first year. Times were tough as they had little money.  His mother watched their child while his wife worked.  After working outside the home, his wife returned to childcare duties. Jerry spent his time going to classes and studying. Jerry graduated from law school and got a job with a firm.  However, they still had to endure years of hardship. Their mutual sacrifices paid off when Jerry became a partner.  They now have a very comfortable and secure life.

Bruce was a high-level executive who had to frequently travel for business. His wife was very pretty, and felt she was not getting her deserved attention. This resulted in a long-standing affair with one of Bruce’s colleagues, who Bruce considered a friend.  Despite attempting marital therapy, no progress could be made, and the marriage dissolved in divorce.

I grew up in a working-class Chicago neighborhood in the 1960s and 1970s.  Most wives stayed home, and most men worked to support their families.  Men were regarded as the “head” of the household and were expected to provide for their families.  Women were in charge of raising the kids and household duties.  However, despite the saying, “A woman’s work is never done,” wives weren’t toiling 24/7 as this was the era of automatic washing machines, frozen dinners, and television.  Every family differed, but women had a strong voice in decisions in the families I was most familiar with.  

In some families, the dad may have been more dominant; in others, it was the mom.  Most dads worked 9-5 jobs and were off on the weekends.  Yet, they were able to support their families financially.  It was common for a working-class family, like mine, to own a house and a car and always have food on the table. Couples stayed together during difficult times due to societal norms and religious pressures.  Sometimes this was a mistake.  In other instances, they worked through their problems and strengthened their relationship.

Despite enormous pressure to marry, some individuals remained single.  I had two single uncles and two single aunts in my extended family.  These individuals weren’t ostracized; they held a special place in our family.

Roles were restricted for both men and women.  A man that allowed his wife to support him was considered a bum, and a woman who shirked her parenting duties was a bad mother. There were always outliers, professional women and males, that could only manage part-time work. Classicly, the man provided and protected, and the woman supplied nurturing, caring, and other things. Both provided labor. Just like in a good business partnership, roles could cross.  My father made some of the meals in my family, and my mother was better at solving complicated problems. To quote “My Big Fat Greek Wedding,”  “The man is the head of the household, but the woman is the neck and the neck turns the head.” If you grew up in the 60s or 70s, you know there is truth in this sentence.

In 1960, the birth control pill became available, and women had control over pregnancies for the first time. Some conservative groups and religions opposed the pill, but the cat was out of the bag.  This was also a time of escalating efforts to improve women’s rights. A woman didn’t have to be a housewife to be successful, and roles started to change both positively and negatively. Adult children moved away from their homes, and the usual ways of meeting potential partners weakened. Entrepreneurs saw this as an opportunity and eventually developed dating websites and apps. Over the last ten years, dating apps have become the de facto way to meet someone.  This has led to the commoditization of individuals and relationships. Stereotypes have emerged that allow for easy categorization of individuals.  Men and women are sorted into bins, dehumanizing them into things.  Here are some common categories of men and women.

The Man-Boy

Matt was a 61-year-old married male who had worked up to a middle management position in his company.  His wife also worked. They were both solid citizens who tried to raise their children well.

Matt’s son failed multiple attempts at the local junior college. He lived at home in his childhood bedroom and worked part-time as a waiter.  He did not contribute to the house and spent countless hours playing video games in his bedroom. He had a high position in his video game’s guild and was a man of pretend power in the cyber world. He had zero motivation to do anything else.  Matt was concerned that he would still live in Matt’s house when he turned 30.  Matt’s son was still living with them when I retired.  His son was over 40 at that time.

There have always been men who have been unable to make it in society.  However, changing roles has made this category more prevalent.  Man-Boys are men who want to live the lives of adolescents.  As long as someone else is caring for them, they are OK. A parent, girlfriend, wife, or even a friend with a couch is fine if they can play and not work. Guilt and shame are absent and are replaced by a sense of entitlement that they deserve to be taken care of. 

The Boss Babe

The definition of a boss babe varies quite a bit.  In general, it defines a very assertive/aggressive female who has to always be in control and run the show.  Females may view the category positively, while some males view it negatively, thinking these individuals are toxic.  A quote like, “I hope she likes her single life with her cats.” is one example of how some men view this subtype of woman. 

Chads and Tyrones

Susan was married with two daughters.  She had a devoted husband and a stable lifestyle. She suffered from depression, and her husband was always available to take her to her appointments. He was very supportive and understanding of her limitations. Over time she recovered and got a job.  Here, she reconnected with a man named Jim, whom she dated in high school.  He was separated from his wife, and they started to talk to each other.  Her relationship with Jim became an emotional affair and then a physical affair. Jim was fun, unreliable, and unpredictable. She felt that she had to work to get his attention. She fell head over heels for Jim and couldn’t spend enough time with him. Susan pushed for a divorce, telling her husband she never loved him. This devastated him. She took half of the family assets and bought a condo. Jim quickly moved in, and it was an exciting time, at least for a while. Jim lost his job and was unmotivated to find a new one.  He became increasingly critical of Susan and told her that it was her fault that he was unhappy and unemployed. The harder she tried to rekindle their spark, the colder he became. The honeymoon was over.  Suddenly, her former husband looked pretty good, but he had moved on. 

Chads and Tyrones are a diverse group of men who are highly desirable to many women but bring little real value to a relationship.  They include bad boys, men who are hard to get but fun and irreverent. Perhaps the cute lead guitar of the local bar band or the handsome dude at the club who asked for your phone number. A young Chad or Tyrone doesn’t have to be successful; he just needs to be exciting.  These folks frequently play the field, but some may form a relationship with one female.  However, those relationships are often filled with imbalance, heartache, and infidelity. 

Older Chads and Tyrones are often successful, rich, and good-looking men. They bring everything to the table except commitment. Older Chads typically choose younger women, much to the anger of the older women. Another word for an older Chad is “Dusty.”

Women seem attracted to both groups, which may be partly due to scarcity psychology.  It is a challenge to “catch” one, making the chase exciting.  However, once the chase is over, the difficulties and pain begin.  

The Simps

A very derogatory term used by both men and women to describe men who are willing to do anything for a woman, despite being treated badly or ignored by her. Women can use Simps to get things they need, but they are never considered serious contenders for a relationship.

The Nice Guy

I knew Sara for many years.  She was a good person and had good values.  She was smart and was a student in a science field. I don’t like to categorize people, but it is necessary to do so for this example. Sara was average in looks.  She was 5’5” and had an average build.  If I was to be honest, she was probably a tick below “average” due to a prominent facial feature.

Bill was 5’10” and had a pleasant but unremarkable face.  I knew Bill for two years; he was a genuinely good guy.  Bill was in my medical school class but was a licensed pharmacist before being accepted into med school. Bill was quiet; I wouldn’t say he was shy; he was more thoughtful.  He was very bright and came from a solid Chicago family. Bill was a kind and loyal man who wanted a girlfriend.  

I played matchmaker and brought the two of them together.  I wasn’t sure how Bill would react to Sara, but I felt Sara would think that Bill was a catch. A first date was arranged.

The day after the date, I talked to Sara. “Well, how did it go?” Sara said she wasn’t sure about Bill. Bill picked her up on time and brought her flowers and a little box of candy.  He took her to an expensive restaurant and treated her with respect and interest. I consider myself a nice guy, but I have never done all that on the first day. Sara wasn’t interested.  Why?  “He was just too nice, too eager, too accommodating.”  WTF?

By the way, Bill married a nice nurse, had kids, and lives happily.  Sara married a bad boy who was arrogant, meanly sarcastic, and dismissive. I lost touch with her after she married and moved to a different state.

For some reason, many women don’t like to date nice guys and consider them boring or too predictable.  There seems to be a change when they decide that it is time to settle down, and there are videos where women talk about “settling” for a reliable, nice guy.  Who wants to be a plan B?  Not most men.

The “10s”

Let’s be honest; most of us look average and have imperfect bodies. Good looks are distributed along a bell-shaped curve. True “10” level people represent only 3-5% of the population.  However, countless women on social media say with certainty that they are “10s” in appearance. Most men would likely rate them between 4-6. They also state they must be treated like a queen and deserve a 666 man (defined next).  It is a common belief that women like to date “up.” In other words, they like to date someone of greater status. When you think you are a 10, what do you look for, a 10+?  

The 666s

I was treating John for anxiety.  He had attended law school and passed the bar. He spent a year working for a law firm, but it was a place of abuse, and he left that job.  However, he was using his expertise to review legal documents and was making a reasonable living. John was practical and ambitious. He was forward-thinking. He deliberately lived at home to pay down his student loans but expected to get his own place in a year.  He continued to explore lawyer jobs, but he was also investigating getting a graduate degree that he could use with his law degree.  John was a nice man.  He had a good build and a better-than-average face. He wanted to date but could not get a single swipe on dating apps.  He felt it was because he was 5’8” in height, as many profiles said that a man had to be at least 6’ to be considered. John had all the attributes to be a good partner and a successful man, he just wasn’t there yet, and no one wanted to take a chance on him.

Many women on social media will say they will only date a 666 man.  What does that mean?  

The man has to be over 6 feet tall (85% of men are under 6 feet), make a 6 figure income, often asking for yearly salaries between $250,000 and $1,000,000 (the average man makes around $45,000), and have a six-pack or in other words; they need to be a male “10” (less than 3% of men).  These guys are also referred to as “high-value men.” 

Are those men on dating apps?  Absolutely.  However, these high-value men don’t need an app to find a date.  Many use apps as a cost-effective option for free physical connections. A connection may consist of a one-night event or a match may be chosen to be “Tuesday” in their weekly rotation. 

The 308s

This goes back to an old calculator trick where you type these numbers and then look at the display sideways.  Like most of these categories, it is an objectification of a human into a thing. In the day, these women would be called party girls. Today they may be referred to as having a “high body count.”  This is not a complimentary term and is a red flag when men seek a serious relationship. Men refer to a 308 as “The village bicycle; everyone gets a ride.”  Some women may cite their liberation and note that they want to do the same things men do.  I’m afraid that this is a delusional belief. Chads may have a high body count, but most men don’t.

Chads claim they can secure a 308 at a moment’s notice, and with an endless selection, they often do that.  Although average men may signal approval of this behavior in locker room talk, this is pure bravado.  I have known men from all walks of life, from laborers to world-class scientists.  Overall, men view such behaviors as destructive, immature, and distasteful in a fellow man. On average, men do have more sexual partners than women in their lifetime.  However, the difference is much smaller than you think.  

If a 308 sees a 666 regularly, she will likely fall for him rather than vice versa.  Once again, our animal selves are to blame.  Both men and women release a hormone called Oxytocin during sexual activity.  However, it impacts them in different ways.  In men, it improves their ability to find competitive relationships.  In women, it facilitates kinship and connection (love).  

The Dusty (an older Chad)

This is an older man who may be good-looking and has high resources.  They often date much younger women.  Older women frown upon their actions, saying that these men are manipulative, insecure, and need to control naive younger women. There are videos of older women counseling younger women not to do this. In reality, both men and women in this scenario benefit from this relationship. However, it is more transactional in nature and usually temporary.

The Trad Wife

This is an Instagram trend of women vlogging that they like being traditional housewives.  They post videos doing things like making dinner. They sometimes dress up like an idealized 50s mom. The amount of hate thrown at these women by other women is horrific.  They are called everything from pawns of patriarchy to promoters of the neo-Nazi movement.  Liberation means everyone can do what they want, including being a Trad Wife.

The Self-Sufficient, Financially Secure, Independent Woman

Similar to a boss chick.  However, this category varies greatly.  Some very angry women shout on Instagram that men are useless and that they don’t need them for anything.  That’s fine, but why are they making a post about it?  

Other women will use the above or similar terms at the start of their dating profile, thinking it is an asset. This would be a desirable characteristic on a man’s profile but is pretty neutral for men when viewing a female’s profile. That is not to say that men don’t appreciate a woman who is smart and hard-working.  However, that can be revealed later in the dating process for most men. In the extreme, this can be a turn-off for some men noting, “I don’t want to marry a bro.”  

The Militant Single Mom

For many years I was a single dad raising a daughter.  It was tough as I navigated unknown areas, like braiding hair or buying a party dress. I can do many domestic things, but I still can’t sew on a button, and yes, I have tried many times; they just kept falling off.  Beyond tasks, there were also time restrictions and extra responsibilities. There were days when I couldn’t go to work and times when I couldn’t go on a date because I had to care for my daughter. 

A group of militant single moms on social media tout their demands for anyone who wants to date them.  They expect more than a dinner and a movie. If they take time away from their parenting, they want “an adventure.” They expect any prospective date to accept that they will never be number one and must fit into the single mom’s schedule as she deems fit. They say that it is the responsibility of the date to pay for any babysitting and pay fully for the actual date.

Remember, the average man earns $47K a year.  Does the above sound like a good deal?  Are men biting on this offer?  If so, can someone tell me why?

The Passport Bros

Sam is a traditional man who came to America from a European country over 15 years ago.  He has a good mastery of English but still has a heavy accent. He attends church every Sunday and partially supports his parents, who came to the US around the same time. He has outside interests, likes to cook, and raises bees for honey.  He is a naturalized American citizen. Sam is a skilled tradesman who can get dirty but makes a good living. Overall, he is average to nice looking and on the short side, around 5’ 7” tall. He wants to marry, and he wants to have children. He is looking for a traditional partner and is willing to work hard to support his family, but he needs his wife to agree to take care of the home and their children as he works long hours. He will pitch in when needed. He tried to date American women.  None of them would give him the time of day.

In desperation, he explored meeting foreign women and traveled to an Asian country. There, he met a woman, and they hit it off.  Beyond romance, she had her own motivators as she was escaping poverty and wanted a better life. After many trips back and forth, they married.  They now have three kids and are going strong.

For some reason, there is tremendous animosity toward men seeking foreign brides.  Often stating that these men are creeps and pervs who exploit defenseless women.  It seems like both Sam and his wife benefited in different ways and that they have forged a solid relationship.  What is wrong with that?

The Queens

I moved to the western suburbs in 1989. I had ended a relationship before my move, and I wasn’t ready to date again.  A woman I knew suggested I attend a social group called “Young Professional Singles.”  They met monthly and would go on fun group activities. I’m a pretty shy guy, but I thought I would give it a shot.  I knew the group’s ultimate goal was to pair up people, but I also felt it wouldn’t hurt to go on fun outings. The title “professional” was pretty loosely interpreted.  This was not a group of doctors and lawyers; just about anyone could call themselves professional.  People were professional retail clerks and professional office workers. The men and women in the group were average-looking and in the 30-40 age range. After the formal meeting and introductions, there was a social time. I was the new kid on the block, so a line of women was waiting to talk to me. I started talking to one lady, and within the first few minutes, she asked me a very odd question, “Do you own your own house?”  I was taken aback, was I being vetted?  I quickly ended that conversation and started to talk to the next person.  Like the first one, she asked me if I owned my home. What??  I wasn’t asking these women to marry me. I wasn’t asking them out on a date. Yet, I was being analyzed to see if I was acceptable. I couldn’t imagine asking something similar to one of them on a first meeting.  I slowly meandered to the door and left, never to return.  

There are many videos of women telling other women that they are queens and deserve to be treated as such.  They deserve a 666 man who buys them anything they want and worships them.  What do they bring to the table?   They are told that they only need to bring themselves. Really?

Apps like Tinder force people to become objects, characters that often have negative connotations.

In a perfect world, we all should be allowed to be who we are.  One size does not fit all, but rigid expectations do not change as social mores change.  Why are people who want more traditional relationships considered neo-Nazis or creeps?  We all should be allowed to be who we are without having to deal with the condemnation of others.  

Who has it easier, men or women? Life is hard for both. We are sold a bill of goods that tells us happiness is about stuff.  Buy more, have more, be more happy. Humans are now used to fulfilling their own needs rather than working as a team to form something greater.  Long-term studies all point to healthy relationships as the key indicator of happiness. Those relationships can be traditional or non-traditional. A healthy connection requires work and is always a two-way street.  Dialing up a 308 or plotting how to get a 666 is a sad way to live, a life where people become just one more object to possess and toss away when the next shiny penny appears.

The late Norah Vincent was an author who wanted to explore the secret lives of men.  She was tall and had a body type that allowed her to pass, and she spent months learning ways to speak, walk, and express herself as a man.  She even found a method to paste artificial stubble on her face. 

Women have preconceived notions of the privileged life that men had at the expense of women.  During her 18 months as a man, she joined a blue-collar bowling league, went to a men’s therapy retreat, tried to pick up girls, bought a new car as Norah and her alter Ned, and did other things that she thought typical men did. Being both a lesbian and a woman, she felt she had to deal with prejudice and denial of privilege. What would being a privileged male in a patriarchal society be like? It was bound to be fantastic.

How did the tough, blue-collar men treat their new bowling league member, who was a bit effeminate and a terrible bowler?  They welcomed him and allowed him to improve.  As they became emotionally closer to him, they kidded him in the good nature way that men show affection. As “Ned,” she formed friendships with some of them outside the bowling league, and they shared the traumas and stresses they were going through. These weren’t privileged men; they struggled to make it through life just like their female counterparts.  The struggles may have been different, but they were struggles nonetheless. Working in a blazing hot and dirty factory while your boss berates you is not a life of patriarchal privilege. Men do it because they have no other options and must support their families. 

Yes, the world is mostly run by powerful old white men; they have privilege. Who is next in line?  Powerful women. Where does the average Jane or Joe belong on the power meter?  They are not even pushing the needle. 

Norah was also aware that men respond differently to situations than women, which could be one of the reasons the two sexes can be so confusing to each other.  Are men from Mars and women from Venus?

She tried to pick up women as a man and was shocked at how stressful it was. She thought that men held all of the cards.  Many men have stopped trying to introduce themselves to women; the cost is too high.  Yes, there is the fear that they will be labeled a predator, but their reluctance is more due to potential humiliation. Chads know they will likely get a phone number if they approach a female.  Average guys must build up their courage and take deep breaths. When Nora, dressed as Ned, approached a woman and started a conversation, she became instantly aware of the disgust that that woman visibly projected onto her.  It was humiliating and soul-crushing to be judged as a creep and a perv. Best not to ask.

One area that troubled her the most was the sense of aloneness that men have to endure. Women are excellent collaborators, supporters, and communicators.  Men, not so much.  She found this aloneness particularly difficult, and her experience is not unique.  Trans men have noted similar feelings as they have transitioned from their female life to their male life. 

The bottom line is that life is hard; the limitations imposed by our roles bind us. However, our society is stronger by being inclusive and welcoming diversity. Should women be allowed to be astronauts? Of course. Should men be allowed to be hair stylists?  Yes, indeed.  Both men and women are capable of being flexible if needed. However, the idea that we can and should do it all is a fallacy, and that is just how it is. We all only have so much bandwidth. 

There was a TV commercial in the 1980s of a woman dressed in a business suit, wearing high heels, and holding a 12” skillet as she gyrated to, “I can bring home the bacon, fry it up in a pan, and never, never let you forget that you’re a man…. I am woman, W-O-M-A-N!”  The ad was so ridiculous that it became a running joke and, in many ways, hurt the woman’s movement as it suggested that women are supposed to be excellent mothers, great leaders, skilled lovers, fantastic entrepreneurs, Michelin-level chefs, and much more at the same time.  Tell that to a single mom who works at Walmart, and she tries to get her kids dressed and off to school on time.

During my professional life, people called me “Doctor.”  Beyond treating patients, I trained other doctors, was an assistant professor at three medical schools, and was the chief resident of my residency program. I was the medical director of entire medical programs.  I have lectured to hundreds.  Along with my partners, I formed several successful businesses. I won a national award and was named an exemplary psychiatrist. I saved lives.  Sounds pretty glamorous to the uninformed.  However, I also worked at least 60 hours a week, was responsible for others I had little control over, and constantly worked in my “spare time.” I had to ensure I was doing my best work while making enough money since I was the sole support of my family. 

Have you ever had to go to the bathroom but had to hold it for several hours because you can’t free up five minutes for yourself? Have you ever gotten devastating news that made you cry, but you had to turn off your feelings because a patient was coming in the next few minutes, and they needed your full attention? Have you ever been up most of the night and still had to work a 12-hour high-pressure shift? I have and a lot more.  Observing a role from the outside makes it easy to cherry-pick the good and ignore the bad.  The grass isn’t always greener in someone else’s backyard.

So what is my role now that I’m retired?  Am I enjoying my life on my yacht?  My role has changed due to several reasons.  Who is cleaning our toilets?  Me.  Who makes meals?  Me.  Who does our grocery shopping?  Me. I also protect and support my ill wife and meet her needs as her driver and in any other way necessary. I am there for my kids. Naturally, I’m still responsible for all the “manly” household jobs I did before I retired. Life is complicated.  

Was what I was doing before more important than what I’m doing now?  I think the opposite: I’m providing the most important people, my loved ones, with what they need to live their best lives. In turn, this gives me my best life. Does doing such basic work suck sometimes?  Sure.  However, what I did before was a lot more stressful, and now I can go to the bathroom when needed.  Folks,  life is work; stop blaming others for your unhappiness.  Change what you can, accept what you can’t, and pray to know the difference.

So what is the bottom line regarding social media and dating apps?  For many, their emergence has been destructive, not liberating. A small percentage of privileged men and women do benefit from using them.  Others make money by telling followers how to live their lives on them. However, for many, these avenues lead to self-doubt, rejection, loathing, and unhappiness.   

The birth rate in the US is down 20% since 2007.  One-third of men aged 20-30 are now celibate, some involuntarily and others by choice. Men are afraid to ask a woman for their phone number.  Some are afraid to open a door for women or treat them in any way that could imply that they are a patriarchal creep. I have always been a person who compliments others.  I may tell a guy that it looked like he has been hitting the gym or a woman that her new haircut looks awesome.  I never thought much about it.  Now, I need to have second thoughts.

The marriage rate is at the lowest level in 120 years.  Almost half of marriages will end in divorce.  When examining stats on a second marriage, almost 70% will end in divorce. Divorce is initiated by women 70-80% of the time.  Many men feel that the legal system treats men unfairly in divorce. Some say that the legal system is so favorable to women that it encourages them to leave a marriage when times are tough. Others say, why bother?  Some men have retreated into the manosphere and avoid connecting with women. They no longer see women as a positive in their lives; they see them as giving little and demanding much.  Likewise, there are many videos of women shouting that they don’t need men for anything, including making babies. Men staying away from women, women avoiding men?  What is happening?

Let’s go back to the first few paragraphs of this post.  Men and women often seek different things in a relationship, but most women prefer masculine men, and most men prefer feminine women.  Is that such a shock?  If you are a woman, do you want a man who will provide for and protect you and your children, or do you want a weak man you have to support and protect?  If you are a man, do you want a wife who is here for you, supports you, and is proud of you, or are you looking for someone to make you feel like a failure, weak, and unloved? 

To claim that traditional men are Neanderthals and traditional women are Stepford Wives shows a high degree of ignorance and misunderstanding. 

We have more choices. Marriage or even committed relationships are not for everyone, but some people want them, and they shouldn’t be shamed.  It’s OK to be single.  It’s OK to live an untraditional life. However, it is impossible to cherry-pick all the positives from various lifestyles while rejecting their negatives.  Get real. 

Apps like Tinder work well for the real “10s” of the world who want to hook up.  However, 95% of people who use them are not 10s.  Women swipe right only 14% of the time.  Women have a match rate of 10%, but that low number looks pretty good compared to the match rate for men, which is about 0.6%. If you are a three or perhaps a five, your match rate is likely close to zero.

It is as if we have fewer choices, not more.  A woman can’t be a Trad Wife; they must be a boss babe.  A man can’t want to be a dad and a male role model; he has to be angry and celibate. 

People should stop connecting to social media and using apps like Tinder and Bumble.  However, that won’t happen.  However, something needs to change in our society, which continues to polarize groups into black-and-white categories, objects to be purchased and discarded once they lose their novelty. 

When Curated Is Bad

In February 2024 this website crashed for no apparent reason. Despite using professionals at GoDaddy.com it was impossible to restore anything after October 2021 (over 100 posts). I do have many of those post in draft form (no final edit or photos) and I have decided to repost them in that manner. I apologize for typos and other errors. How do I feel about losing all of my original work? Life goes on.

As a behavioral expert, I am interested in how social media impacts society. My last post explored dating apps and how they have the potential to negatively change the way men and women interact with each other.  

I had no experience with dating apps and had to rely on other sources to understand how they worked. This effort led me to watch dozens of videos created by men and women describing their experiences with dating. The more videos I watched, the more similar content was provided.  Soon, the majority of my feed centered around modern dating.  When I watched female-created content, I was delivered more of that.  When I watched male-created content, that was what was emphasized.  

Female-created and male-created content dramatically differed in their messaging; both were negative toward the opposing gender.  It was almost as if I watched a sports competition between two teams, each strategizing how to “win” the game.  I thought a relationship was about working together to reach a goal.

A lot of the content created for women centered around what jerks men were or how to manipulate a man to get what was wanted.  Much of the content for men focused on how evil modern women were and why one should give up on dating. 

When I repeatedly watched a specific opinion, it made sense to me.  In other words, it became my reality.  This was especially true for the male-oriented content, which should be no surprise, as I’m a male. The same talking points were repeated continuously, so plausible ideas became actual truths in my mind.  An opposing opinion was never given, so there was no counterbalance.  

The content drove me to watch more videos in a process addiction fashion.  This was especially true if the presenter told dramatic stories or had salacious content.  What would break the pattern?  Watching videos that presented the opposing viewpoint or just pausing my viewing and questioning what I had watched.  Anytime you have a stream of information that purports their viewpoint is completely correct and the opposing viewpoint is absolutely wrong, it is time to pull back, pause, and think. 

I have seen this phenomenon in many other areas.  If you are an anti-vaxer, you will be fed content that confirms this belief.  The same can be said if you believe that the earth is flat or that the theory of evolution is a lie. Mistruths become truths if the presenter sounds plausible and you are not given a balanced view. 

Interested in a particular religious belief?  You are fed content that supports that opinion.  Interested in rejecting a particular religious belief?  You are given a stream that supports that.

Some of the most egregious examples of selective content are the cable news channels, which bring high-production content, professional presenters, and skilled writers into the equation.  It makes no difference to watch conservative Fox or liberal CNN; both are biased and designed to rile up the faithful with “us vs. them” rhetoric. These channels focus on politics, as this is low-hanging fruit.  The other side is always “destroying America” in a never-ending stream of drum-beating crises. Viewers become zealots blinded by half-truths weaved by skillful storytellers. 

Curated information may be useful when you have a neutral interest, such as cooking, gardening, or home repair. But it can be dangerous in areas that should be cut and dry, like medical information. The COVID pandemic was weaponized into a political tool by using misinformation and curated information. However, other examples abound.

I have a mild case of eczema, and several years ago, I researched that topic by exploring websites and platforms like YouTube. I was able to find good data.  However, most of the information was poor, and some was even dangerous.  Outdated and false information was presented with the same veracity as established medical facts. Some presenters hawked dangerous diets or tried to sell their unverified cures to others.  Websites pushing nonsense products abounded. All of this false information could lead someone to a worse outcome.

Free services are not free. Cable news networks, YouTube, TicTock, Facebook, and others have only one purpose: to make money for their shareholders. Likewise, many content creators make their livelihood by the number of subscribers that they have and the number of views their videos receive. It is known that people will view longer the more dramatic or salacious the content is. Content creators understand that a simple, biased message is more engaging than a complex, balanced presentation of the same issue. This creates a feedback loop where viewers watch content and become biased, forcing the creator to become even more biased to keep their viewers engaged. 

These avenues are dumbing down America and, more importantly, creating an environment of clones, individuals with robust beliefs based on incorrect or incomplete information.  Once a person goes down a particular rabbit hole, it becomes easy to drink the Koolade completely. A disenchanted teen becomes a white supremacist. A person negates known medical treatments in favor of options that shorten their life. A man or woman refuses a healthy risk to find a new relationship. A person believes they don’t need to address climate change. An individual views a person with an opposing political view as someone to be destroyed.   

There was a time when a select few controlled the destiny of the masses.  They determined what was fact, even if there was no credible basis for their opinion.  Often, their views served their needs and benefited them by giving them wealth and power.  If you didn’t believe in their talking points, you could become an outcast, consigned to prison, or threatened with eternal damnation. We called that time the Dark Ages.  Hundreds of years ago, we moved past that blackness and entered the Renaissance, a period of significant social change and cultural, artistic, political, and economic rebirth. 

As time advanced, so did our tools, and we moved into the Age of Enlightenment, where reason superseded superstition.  We could test beliefs, proving some and disproving others. Enlightenment was followed by Romanticism, a countermovement that emphasized emotions over logic, and so it goes.  As humans, we cycle in a forward and backward pattern. We are again entering another period where facts are rejected in favor of conspiracy theories,false beliefs, and biased opinions.  

It is tempting to say that we should wait 50 years for the pendulum to swing in the other direction. After all, we have seen this pattern throughout our history.  However, the luxury of time is no longer on our side.  Our greatest strength as a species has been our ability to work together towards a common goal, and our greatest weakness has been to find differences between us that have led to conflicts and destruction. 

We are now in the information age and should be reaping the benefits that such knowledge could afford us.  Sadly, our ability to gain information has become a tool to spread poor information and false information, moving us toward conflict and destruction and away from cooperation and growth.  I’m unsure if our society has another enlightenment in us before it is game over.

Alone Again

In February 2024 this website crashed for no apparent reason. Despite using professionals at GoDaddy.com it was impossible to restore anything after October 2021 (over 100 posts). I do have many of those post in draft form (no final edit or photos) and I have decided to repost them in that manner. I apologize for typos and other errors. How do I feel about losing all of my original work? Life goes on.

I knew it was coming.  It was not only certain, it was imminent.  Sometimes, you just have to let go and accept the facts.  Despite my desire to do so, I can’t control everything in my life.  The question was, what was I going to do now?

Things between Julie and I had been going well. She was making a strong effort, and so was I.  As they say, Sh…t happens; for us, it happened at 3 AM on a Sunday morning.  And it happened with a crash and crying.  

Despite Julie’s bad leg, we had successfully managed to go camping, not once but twice.  She was trying to be as independent as possible, and I was letting her, but with a watchful eye.  We were working together as a camping team and were being successful.

Like many, it isn’t uncommon for Julie to visit the potty in the middle of the night.  Naturally, this presents its own challenge, as her right leg doesn’t work well. Add that we are sleeping in tight quarters, in a camper, and the middle of nowhere.  

Clearly, we had devised a scheme to accommodate this anticipated need, but every plan has an error limit.  Nothing is perfect, and there is only so much you can do when two people live in a space smaller than most bathrooms.

Poor Julie couldn’t find a grip and fell off the toilet and directly on her bad foot, breaking it.  Any further camping for her this season was out of the question.  We had one scheduled weekend left, as Mike and Nancy generously gave us their reservation at our local campground.  What to do?

There is a natural part of me that tends to put others first.  Some who know me may disagree with this statement, but it is absolutely true and especially the case for people whom I care about.  My initial thought was to abandon the last campout so I could stay home and ensure that Julie’s needs were met.  However, rationality hit as she had no scheduled events that needed a driver, and there were three able-bodied adults at home who all possessed a driver’s license in case of a change in plans. I asked Julie if she was OK with me camping solo, and she gave me the nod.

On Friday, I drove her to her 6 PM radiation appointment and then raced home to throw some clothes into a backpack and grab a few groceries from the fridge and cupboard.  I knew our county campground closed early, and I had little time.

I put some stuff in Violet’s fridge and tossed my backpack into a cubby; I was off for the 15-minute trip to the forest preserve.  When I arrived, it was very dark, and when combined with the cold biting air, it felt a bit spooky. 

I usually camp with one of three people, and each experience differs.  Camping with my son, William is all about new experiences.  Also, Will appreciates my cooking, so I make elaborate camping meals for him.  

Camping with my friend, Tom, is all about adventure.  Tom loves to do spontaneous things, a contrast to my overthinking.  He travels in a separate vehicle and usually likes to drive to attractions, which is another plus for me.  With Tom, it often feels like we are two 12-year-olds rediscovering the world.  It is always fun.

Julie is a planner like me and is good at finding locations and attractions.  I appreciate that in her.  In the past, I would try to give her a complete vacation and do everything from driving to meal prep to… everything else.  More recently, I have been turning over jobs for her, which has turned out well despite her reduced mobility. 

All three campers are fun to travel with.  However, I also like to travel solo for reasons ranging from my introvertedness to challenging myself to do things that are uncomfortable for me, like striking up a conversation with strangers.

This solo camping trip would be short, but I would make it productive and enjoyable.  One thing I was going to do was to keep the camper perfectly organized, as order gives me pleasure.  Well, that lasted for about 5 minutes.

I would also go through and organize my storage bins in Violet’s garage (the storage area underneath her bed).  However, I didn’t even open up a single Rubbermaid container.  

I simply didn’t want to do anything that involved work, and it slowly dawned on me that the last months have been nothing but work, with almost every moment of my life scheduled.  You know something is wrong when you consider grocery shopping a personal activity instead of a family obligation.  

Instead of jobbing, I did only what was absolutely necessary.  The temperature was in the 40s, so I knew I needed to run my Webasto heater.  You are supposed to run it at least once a month, but with all that was going on, I hadn’t run it for over six months.  It initially faulted but then roared into action; soon, it was almost too hot in the van.  That first night was a template for how I spent the entire weekend.  I streamed videos, read my Kindle, listened to podcasts, and looked out of Violet’s windows.

I did some walking, and on Saturday morning, I was treated to a huge GMC pickup that almost ran me over.  It was my friend, Tom, making a surprise and welcome visit.  We chatted for a bit, and then he was on his way. 

I observed my neighbor next door, who seemed to have the equivalent of a clown car camping trailer. Early morning, a man in his 50s exited the very small domicile.  He was then joined by a man likely in his 40s. Then another man in his 20s.  Then a woman, and another woman. Then a teenage girl, and then another girl.  The trailer looked like it would be suitable for two adults, but somehow, it housed seven people!  When they would come out of it they seemed perfectly content, so I fantasized that it was like the Harry Potter tent.  Small on the outside but magically gigantic on the inside. 

I always have some emergency foods in the camper, but it doesn’t interest me.  I had brought house food with me, but in my hurry, I neglected essential items, like butter.  I had to make do with what I had and be a little creative in the process.

Since it was cold outside, I spent most of the weekend in Violet.  My passenger seat can turn into the cabin, so I sat there, on Violet’s boot box, and (of course) on the bed.  Reading, watching, listening, thinking.  That is how I spend my entire weekend.  Very unproductive, but just what I needed to do.

I’m writing this from my little study.  Violet is just outside my window, waiting for her next adventure.  Perhaps there is one more this season, a weekend trip with William.  That is uncertain but exciting to contemplate.

I have a lot of possessions, but I don’t have a strong attachment to most of them.  However, there are a few exceptions, Violet the campervan being one of them. She was right there when I needed her.  Thank you, Violet!

It Can Be Hard To Ask For Help

In February 2024 this website crashed for no apparent reason. Despite using professionals at GoDaddy.com it was impossible to restore anything after October 2021 (over 100 posts). I do have many of those post in draft form (no final edit or photos) and I have decided to repost them in that manner. I apologize for typos and other errors. How do I feel about losing all of my original work? Life goes on.

In my professional life I witnessed an interesting phenomena, individuals stuck on a past identity.  They lived their lives in past triumphs and seem to be locked into days gone by as they repeatedly recount their time spent on the high school football team or their years in the military.  I believe it is fine to proudly remember such events, but I don’t think that it is productive to stagnate in days of yore and not move forward.

My personality is similar to what it was when I was 14, but over the years I have grown in other ways.  That process continues in my retirement years.  You may ask, how do I know where I need to make a change?  The answer is simple, I do nothing and the need presents itself. This is a process that happens to everyone, but you have to be cognizant of the offer and willing to act on it.

I mentioned that I have the same personality as I did as a teen, but I am a different person.  I’m more self assured, more assertive, and generally a happier person.  I have taken opportunities over the years to grow and to challenge false beliefs that seemed so true that they were law, but they were not.

One significant false belief that I held for many years is that no one would ever want to help me so I needed to figure out everything on my own.  As a corollary, I also had to know how to do everything, even when no one taught me how to do something.  Somehow, this knowledge was supposed to be embedded in me, and if I couldn’t retrieve it something was wrong with me.

I believed that these sets of beliefs developed when I was a young child,  as asking my dad for help almost universally resulted in a “no” followed by a shaming statement.  He often gave me tasks to do with no instructions, and would blame me if I did the job incorrectly.  These experiences would certainly lead a person to believe that it was their responsibility to figure out how to solve any problem.

Before you feel sorry for me, I would say that the above was actually a blessing in disguise as I became an excellent problem solver, independent, confident, and competent.  If you have lemons, best to make lemonade.  

I am a caregiver type, and it is easy to find folks who want to be cared for.  That works when you are a physician giving care, but it doesn’t lead to balanced healthy personal relationships.  

Many decades ago I decided to challenge the false belief that I’m not worthy of asking others for help, but I did so in a limited way.  I have no problem asking Julie or my kids for help when I need it. I always knew that there were others in my life, like my sisters, who would offer assistance if I asked for it, but I tended to reserve those requests for times of great need.

I have known my friend, Tom for 11 years and we became fast friends over 9 years ago. Early on I had an overwhelming feeling that I needed to protect Tom.  This made no sense as Tom is younger, and stronger than I am.  In addition, he had lived a successful life well before he ever met me.  Tom is a Polish immigrant.  I am reluctant to state generalizations, but Eastern European men tend to emphasize their strengths and don’t present as weak or needy.  Tom fits this category.  So why did I have this overwhelming feeling that I needed to protect him?

As our friendship strengthened it turned out that I did have some skills that I believe helped my friend and protected him from a very real, if covert, threat.  However, that was only part of the story.  Remember, I believe that if a person is open to growth, opportunities will present themselves that will allow this process to happen.

My connection with Tom wasn’t only about me helping him, it was also about him helping me change.  

It takes a significant amount of energy and time to learn things that often have very limited utility.  I love learning anything, even trivial things, but it is energy draining.  Time spent in such pursuits could be used more efficiently, or the job could have been completed more professionally if I had asked for help.  Additionally, there is no better way to learn something than to have a competent teacher instruct you on that process.

My friend, Tom has not only been willing to help me, at times he has been insistent.  This process started with small things.  Things that I wouldn’t feel too guilty about asking for his help.  However, he has gone above and beyond on so many occasions that he has helped me feel comfortable asking for help from someone who doesn’t have a “blood obligation” to me. Most recently, he spent weekends putting together a new kitchen set-up for Violet the campervan.  I wanted a simple modification, but he gave me an entirely new kitchen. When asked why, he responded that he wanted to do it for me.

Beyond the joy of having someone help me, these interactions have taught me a valuable lesson.  I always knew that I felt good when I helped someone, but now I know that people feel good when they help me.  This may sound elementary to you readers.  However, it was a revolutionary concept for me, a person who thought that they didn’t deserve to be helped.  Naturally, that last statement comes from emotional Mike, not rational Mike.

My belief that I needed to protect Tom was the “hook” into the relationship, but he showed me that I also needed him to grow further.

I never want to become stagnant.  I always want to move forward.  I understand that as I age I may need to give up some aspects of my identity, but I have been shown time and time again that when a door closes a window opens.  Overall, as I accept who I am, not only my strengths but also my limitations, I can challenge those limitations and sometimes conquer them.  How does all of this make me feel?  Happy.

When National Tribalism Is Negative

In February 2024 this website crashed for no apparent reason. Despite using professionals at GoDaddy.com it was impossible to restore anything after October 2021 (over 100 posts). I do have many of those post in draft form (no final edit or photos) and I have decided to repost them in that manner. I apologize for typos and other errors. How do I feel about losing all of my original work? Life goes on.

Let me share a little bit of who I am. I believe that people have the right to believe in what they choose to. A nation should support all of its citizens and should not only be a vehicle to make the rich richer. I think healthcare is a right, not a privilege. I understand that gender and sexual orientation are two different things. Neither is a marker for one’s value or morality. Everyone has the right to their religious or non-religious beliefs. I accept that I am no better or worse than any other person on this planet. I am driven by facts more than ideology. I see no value difference between different races. I know that both men and women are equally capable.

This is a small snapshot of my identity, but why am I sharing it with you? I’m doing this to elicit a reaction in you. Are you nodding your head in agreement, or are you becoming angry? Do you like me more, or do you feel that I’m misguided? Are you in my tribe, or are you in an opposing tribe?

Tribes have always been a way for individuals to band together—to increase their strength and, in turn, their survival. In prehistoric times, this could mean the acquisition of food and shelter or the ability to reproduce. We say we are social beings, but that is another way of saying that many of us are more comfortable belonging to a tribe. A desire so intrinsic to our being that it permeates every aspect of us.  

What is your religious tribe? What is your political tribe? What is your socioeconomic tribe? What is your racial tribe? What is your sexual orientation tribe? What is your gender tribe? What is your sports team tribe? And so it goes.  

The tribe that you belong to quickly identifies you to others as a friend or foe. The need to be in a tribe is so strong that it can make illogical claims turn into facts, cause families to split apart, and even make wars erupt.  

Even in recent times, tribes have a survival benefit. The citizens of the United States tribe fought fascism during WW2. The tribe of immunologists developed vaccines that have saved millions of lives. The union tribes fought for workers’ rights and improved their lives. Tribes allow people to use their combined resources to solve problems and elicit change.

Tribe structure typically follows rules. There is a leader, an ideology, and a set of norms that members must follow. Leaders sometimes use their power for their personal benefits, and tribes can sometimes establish rules of absolute belief for their members. You can see this in religious and political tribes, but it is apparent in many other tribes as well. If a member questions a leader or belief, they can be banished from the tribe. That rejection can be anything from social removal to eternal damnation. Both options can be crushing for the individual.

This hazard has always existed but can be tempered by tolerance.

Growing up, I can remember negative stereotypes of other tribes. Racial tribes, ethnic tribes, and even gender tribes. Daming views of others could be telegraphed in many ways. The tool of fear was common, but other tactics, like “dark humor,” could also be employed. If you grew up in the 1960s, you may recall dumb blond jokes or Polack jokes. How can you make a blond go up on a roof? Tell her the drinks are on the house. How many Polacks does it take to change a light bulb? Three, one to hold the lightbulb and two to turn the ladder. Innocent jokes? Hardly.  

Almost everyone in my neighborhood was Catholic, and I was so brainwashed that I would pray for the Protestant family across the street as I was terrified that they would go to hell. The first Jew that I met was when I was in high school. The first blacks that I met were on the battlefield of that same high school that was going through a racial change. The first gay person that I knew of was so reviled that he was known only as “Ralph, the queer.”  

What kept me in my bubble? What kept me under control? Mostly fear. Fear that those other groups would somehow try to corrupt me, control me, destroy me. Irrational fears were promoted by the group that I belonged to. Rules that said anyone outside of my tribe was dangerous.

Tribe leaders can find natural or imaginary examples of how these “other” tribes were evil. How they were hellbent on taking away MY rights, destroying MY world, and corrupting MY values. The world as I knew it could explode into chaos if I allowed other tribes to have a voice. I had to protect MY way of life because the other tribes wanted to destroy it.

Such lunacy can be easily accomplished as long as tribe members are isolated in one fashion or another from alternate experiences or ways of thinking. This can be done by establishing a “trust no one else” rule or by citing examples that somehow verify a belief. The examples don’t have to be balanced or accurate. Shoplifting can be higher in some predominantly black neighborhoods, so blacks are morally corrupt! Let’s not talk about poverty, lack of options, and other factors that have nothing to do with race. If you can’t find an example, then make something up. I was once told by a educated protestant man (a fellow medical student) that Catholics had secret stores of weapons in their basements and were going to rise up and take over the government. Or how about the “gay agenda,” where gays are secretly plotting to convert innocent children to a gay lifestyle? These crazy thoughts were believed and fueled by fear, and although they caused hate towards the opposing tribe, their real purpose was to bind the individual to their tribe. To make it impossible to leave, to listen, or to learn.

It should be evident from my opening paragraph that I’m not the same person I was when I was 10. I have abandoned that tribe. So how did that happen? Some of the process was intellectual. Categorizing others based on limited arbitrary criteria makes no sense to a thinking person. However, a lot of my change happened by experience.  

I trained in Evanston and lived in Skokie, a high Jewish enclave. I have worked with many Muslims. I have known many people with varied sexual and gender orientations; I know many individuals of different ethnic and racial types. Time again, I have reached the same conclusion. There are assholes everywhere, but most people are intrinsically good and want to live their lives to the best of their ability and without the prejudice of others.  Why can’t we let that happen?

How ridiculous it is to think that I’m better than someone else because I have less pigment in my skin. How pompous of me to believe that my religion is the one true religion and those who believe in other religions are heretics? How shameful of me to think that I have the right to control the private consensual sexual lives of others. We live in a society where it is OK to hate others, but it is not OK to love who you choose. Think about that.

I understand that tribes are necessary, but it concerns me that they have become rigid and intolerant as of late. Our country was based on liberty for all, but that “all” didn’t include enslaved people, Jews, gays, and a host of others. The cultural revolution of the 1970s emphasized humanity and acceptance, and rejected established rules of discrimination. This helped spawn a period of tolerance of other tribes. However, the last decade has reversed many of those gains. Tribal leaders can deny the truth, and their lies are accepted by their “faithful.” The need to belong is so great that it is OK to vilify others and even inflict violence on them.  

I understand that this hate movement is temporary, like all movements are. However, I have to ponder if there is any way to break this cycle or if it will repeat at infinitum.   

At the start of this post, I disclosed a little about myself. Did you judge me? Did you accept or reject me based on those statements? I hope not, as I’m more complex than a few identifiers. Judge me for who I am, not who you think I am, based on labels. I will do the same for you.

Thanksgiving 2023

In February 2024 this website crashed for no apparent reason. Despite using professionals at GoDaddy.com it was impossible to restore anything after October 2021 (over 100 posts). I do have many of those post in draft form (no final edit or photos) and I have decided to repost them in that manner. I apologize for typos and other errors. How do I feel about losing all of my original work? Life goes on.

A frozen turkey thaws in our basement refrigerator. A cardboard box filled with bags of Pepperidge farm dressing, cans of cranberry sauce, and a tub of French fried onions is clumsily placed on the dining room table.  Kathryn retrieved the Thanksgiving box from the basement and William and I placed the holiday decorations around the house, most of which were made by the kids when they were in preschool.  Thanksgiving is coming, my favorite holiday.

In the past, Thanksgiving would be a chaotic, but fun time ,as we would have to get the house ready for Julie’s family to descend upon us.  Wednesday night would find me changing out burnt light bulbs and taking 10 PM trips to Walmart to buy extra towels.  Her entire family would arrive Wednesday night and leave on Saturday or Sunday.  In the beginning, all of her family would stay at our house, but eventually the family grew too large and some had to hotel.  Football on TV, group movies, games, walks to downtown to see the decorations… and meals, many meals. It was exhausting, but wonderful.

This changed with COVID, and then it became too difficult for Julie’s aging parents to travel the many hours from Minnesota to Illinois.  The size of our dinners scaled down, but the kids wanted all of the same dishes.  Afterall, it was tradition.  Of course, we complied.

This year it will be our family and Will’s girlfriend, Lauren.  She is delightful, and we are happy to share our feast with her.  Number one daughter, Anne will celebrate Thanksgiving with her partner’s family, but will travel from central Illinois Friday.  We miss her and her family terribly, but we have been so preoccupied with Julie’s illness that we haven’t traveled to see her. We are all excited to reconnect.

Today (Wednesday), we will do a little more house organizing. The robot vacuums do a decent job, but I may pull out the real vacuum so the place looks extra nice.  I have already made multiple trips to the grocer, but Julie will go today to buy some freshly cut flowers, and whatever else peaks her fancy.  

When we were first married Julie felt intimidated by the task of making Thanksgiving dinner.  I took over and have organized it ever since.  Tonight all of us will spend a little time putting together side dishes.  We do a very traditional dinner so the kids will be assigned various tasks. Kathryn will make the cranberry Jello (a Midwestern tradition), William will make the green bean casserole, Grace will likely be assigned the sweet potatoes, and Julie will make the corn casserole.  We will also bake some pies, and make some yeast dinner rolls. A starch laden meal, but that’s how we roll. Tomorrow, I’ll make the turkey, dressing, gravy, and potatoes (although I’ll enlist some potato peelers).  Then the cleanup, and a family walk.  Traditionally, we end the evening with a viewing of “A Christmas Story,”  my all-time-favorite movie. In the blink of an eye the weekend will be over, but the memories will last.

During Thanksgiving dinner we go around the table to say what we are thankful for.  This year, I am thankful for so many things.  I am fortunate beyond belief.

I am thankful that Julie’s surgery and radiation are behind her.  She is suffering, but faces life with courage and grace.  I will do whatever is necessary to help her along her path.

I am thankful for my wonderful children.  I can’t describe their outstanding qualities, as they would fill pages.  They are kind and considerate individuals, all four of them.  Their energy is focused on making the world a better place for all. My pride in them bursts from me.

I am thankful for my grandkids.  I wish I had seen them more this last year.  Cancer got in the way.

I am thankful for my friends. Saying this brings tears to my eyes.  I have never needed tons of friends, but I do need some, and they have been so loyal and concerned for me and my family.  They have no obligation to do so, but they have stood by me in the way true friends do.

I am thankful for my extended family on both sides.  I am so lucky to have such good people in my life.  For many, the holidays are times of nightmares.  For me, they are times of re-connecting and joy.  

I am  thankful for my aging kitty, Mercury, who loves to wake me up very early in the morning so I can feed her. Her sweet and gentle nature adds comfort to our home.

I am thankful for my general good health, for obvious reasons.

I am thankful that I am retired, but have the resources to weather inflation in a beautiful community filled with wonderful people.

I am thankful that I am happy, and continue to find joy in learning new things. 

I’m thankful for Violet the campervan.  A machine that I have personified as she gives me so much pleasure.

Lastly, I am thankful that you read this little missive.  Thank you for being you!

Happy Thanksgiving.

Mike

Battery Power For Van Life

In February 2024 this website crashed for no apparent reason. Despite using professionals at GoDaddy.com it was impossible to restore anything after October 2021 (over 100 posts). I do have many of those post in draft form (no final edit or photos) and I have decided to repost them in that manner. I apologize for typos and other errors. How do I feel about losing all of my original work? Life goes on.

One of the advantages of owning Violet the campervan since 2018 is that I have learned what works and what doesn’t when it comes to house battery systems. Naturally, that assumption is based on my particular needs. However, I’m pretty generic, so my needs are likely similar to many others. 

Who am I to inform you? Am I an electrical engineer or an expert in solar energy? Not at all. I understand electronics (I hold an advanced amateur radio license), am comfortable with technology, and have worked with various power systems in my van since 2018. In addition, I have tested quite a few solar generators and solar panels, as I’m an official reviewer for a large online internet marketplace (side gig). Based on this, I would call myself an informed consumer.

Individuals choose a part-time or full-time life in a vehicle for many reasons. Some enjoy the adventure; others do it for economics. Vehicles exist in various sizes, impacting what you can and can not do. Are you living full-time in a Prius or vacationing in a converted school bus? These are two very different environments. Lastly, different people have different desires. Some want a minimalist lifestyle, while others desire all of the comforts of home. A financially secure individual in a class C motorhome who camps at RV resorts has completely different needs than someone boondocking full-time in their Astrovan.  

It is impossible to come up with a one-size-fits-all scenario because of this. In today’s post, my goal will be to help the reader to start thinking about their power needs as I offer some potential solutions. 

Fit yourself loosely into one of these three categories: 

-Minimalist: Your power needs are minimal. Your electronics consist of your smartphone. You don’t use a refrigerator and instead rely on daily shopping or only eating shelf-stable foods. You may have a few USB chargeable items, like a headlamp or light pucks. 

-Average user: You use a 12-volt fridge and may use other items like a vent fan. You like to travel with your tablet or energy-efficient laptop, but you don’t regularly do computer-intensive activities like video editing. 

-Power-user: You need a reliable and constant energy source to power your fridge and other electrical devices like a blender, induction cooktop, and microwave. You may have advanced electronics like a Starlink internet connection. You use a powerful laptop regularly. You consider your vehicle your home on wheels and want to live a life of modern conveniences.

It is essential to determine your van life situation. A weekend warrior’s power needs will differ from someone who has to rely on their power system in a permanent boondocking scenario. A weekend warrior can charge a large battery at home before and after a trip.

Where are you going to camp? Will you spend your winters in sunny Arizona or live in the often overcast Pacific Northwest? I have 400 watts of solar on my roof, and in an ideal sunny situation, those panels have an output of around 360 watts. However, their output can be as little as 10 to 25 watts on an overcast day. If you plan on spending a lot of time in cloudy environments, you will need more than solar panels to keep your battery system healthy. 

Appliances can use different amounts of power at different times. Let’s look at a fridge for an example. A fridge running in a 70F environment will use less power than one that keeps your food cold in a 90F environment. A full fridge will be more efficient than one that is empty. Likewise, a fridge will use less power than a fridge/freezer. 

Some devices use constant power, while others use power intermittently. A roof fan uses continuous power. If it is rated at 35 watts, it will use 35 watts in one hour. A small electric pressure cooker may be rated at 700 watts. It uses full power to bring the unit up to pressure, but then it may power on only 20% of the time to maintain pressure. This can make it difficult to determine your power needs. The easiest solution is to use a wattage meter (“Kill-A-Watt”) to get a general idea of the wattage used based on the quantity and type of food you cook. 

This is all that you need to know:

If you are an average or above user, get the largest power system that you can:

  1. Afford.
  2. Fit into your vehicle without compromising your living space.
  3. Keep charged by whatever means available to you.

Build or buy?

Building a battery system will be less expensive than buying an all-in-one solar generator, but only if you build the system yourself. Hiring a technician to create a custom system can be costly. The technical knowledge to develop your system can be acquired by reading articles and watching YouTube videos. It is essential to match your components and to do things correctly. You need to use the correct gauge wire and many other considerations. Although I have the skill to build a system, I have always used solar generators for my van’s house power needs. The remainder of this post will focus on solar generators as they are the easiest and best solution for many. Your mileage may vary. 

Solar Generators.

The price of solar generators has dropped considerably over the last few years. I love their “plug-and-play” ability and portability. All of the parts of a solar generator are matched, so everything works well together. Typically, their footprint will be smaller than a comparable custom system. Their downside is that if one component fails, it can take down the whole system. However, I have never had that happen in my years of van life.

Battery types.

Lead acid/AGM batteries.  

The original battery type used in solar generators These batteries are heavy and have many disadvantages over newer battery chemistries. However, they can operate and charge at a wider range of temperatures than newer battery types. For many, this technology is obsolete for a vehicle’s house battery needs.

Lithium.

This is the battery chemistry of choice for most. There are several chemistries for this battery class, but for simplicity’s sake, I’ll split them into two types: Lithium-ion and Lithium Iron Phosphate (LifePO4).

Lithium-ion batteries are often used in electronics (like phones) and EVs (electric vehicles) because they are more energy-dense than LifePO4 batteries. This means the batteries are both smaller and lighter than a LifePO4 system. There are cases where these batteries can enter an uncontrollable self-heating state and catch fire. This will more likely happen with poorly manufactured batteries with cheap BMS (battery management system) circuitry. 

LiFePO4 (lithium iron phosphate) batteries are not likely to enter into an uncontrollable thermal cascade. Additionally, they can be charged and discharged many more times than a lithium-ion cell. However, they are significantly bulkier and heavier than a similarly capable lithium-ion battery.

Both battery chemistries are reasonable to use in a solar generator. If you need the lightest/smallest package, go with lithium-ion. If you want the safest option that will also last longer, go with LiFePO4. The overall trend in solar generators is to use LiFePO4 batteries.

Lithium batteries can be discharged to around 10% of their total charge compared to lead acid/AGM batteries, which should only be discharged to about 50% of their capacity. Solar Generator companies will list how many times a battery can be discharged and recharged before it degrades. They usually list the number of charge cycles before a battery is reduced to 80% capacity. However, other companies fudge these numbers and will give you the number of cycles to 70% capacity, so be aware of what you are reading. If you are a part-time van dweller, most solar generators will last you many years. If you live in your van 365 days a year, use a battery system that can be discharged many times before its performance degrades. 

How big of a battery system should you get?

As stated above, as much as you can. However, here are some basic guidelines.

First, a caution. Solar generator manufacturers sometimes list the power of their unit’s AC inverter front and center. They may say something like “1000-watt solar generator,” but the actual battery bank may only be 600 watts/hour, while the AC inverter is 1000 watts.  

Look for “watt/hours” to determine the capacity of a solar generator. However, knowing an inverter’s power is also essential, as a larger inverter can allow the end user to use more powerful appliances, like a small microwave. Watt/Hours tells you how much power storage you have; inverter size tells you what you can run on AC.

You lose some of your battery power in “translation,” additionally, the unit’s BMS will never allow for a full battery discharge. Therefore, the actual run time will be less than the calculated run time. For example, you have a 500-watt/hour unit. The overall runtime of an appliance that uses 500 watts will be less than an hour (500/500 = 1.0 hours, minus overhead energy use), and the overall runtime of an appliance that uses 250 watts will be less than 2 hours (500/250 = 2.0 hours, minus overhead energy use). 

The 300-watt/hour range systems are great for charging cell phones and running simple devices like USB fans. They are small, so they recharge quickly. Their size makes it possible to take them into public places (like a coffee shop, workplace, or library) and discretely charge them. Naturally, do this only with appropriate permission.

Systems in the 700-1500 watt/hour range are helpful for the average van dweller. They are reasonably priced and have enough capacity to run your fridge even if you have a cloudy day or two and your system can’t get enough solar. Higher capacity units may be enough to power some electric appliances.

Systems in the 2000 watt/hour and beyond range open up the possibility for power use. These units typically have large inverters to energize power-hungry devices like a small microwave or an induction burner. 

Features to look for in a Solar Generator.

-The ability to accept higher-powered solar panel systems. More input will mean faster charging.

-The right size pure sine wave inverters (as opposed to modified sine wave inverters) that convert DC power to the AC power home appliances need. 

-A regulated 12-volt power output. Batteries will drop their voltage as they discharge. Some appliances (like 12-volt fridges) and medical devices (like CPAP machines) need a constant voltage to operate. A regulated output accomplishes this. However, this circuitry will use more battery in the regulation process.  

-Fast charging from an AC source. Some newer solar generators can recharge very fast when plugged into shore power. Older design units may take many hours to accomplish what a more recent device can do in a single hour. I have an older Jackery that charges 65 watts/hour, while my new (and very high capacity) Pecron can charge at almost 1000 watts/hour. 

-Pass-through charging allows you to use your devices simultaneously while charging.

-The right port complement will make your life easier. For instance, if your computer can charge via USB C, having this available on your solar generator will be more efficient than using the power inverter to convert DC to AC for your computer’s power adapter and then having the adapter convert it back to DC for your computer’s charging circuitry.  

-The right-sized inverter. An inverter converts the DC current from your battery to the AC house current that many appliances use. If you plan on using power-hungry appliances (like a small microwave), you will need an inverter sized to accomplish this. For instance, a typical 700-watt (output) dorm microwave requires an input power of around 1,100 watts. A solar generator with an inverter with a capacity of 1500 watts would be the minimum requirement in this situation. 

Note that AC Inverters use energy to convert battery DC power to AC power. Larger inverters use more conversion power than smaller units. Therefore, you want to pick a solar generator with an inverter that is “big enough” but not so large that you are wasting power by just keeping the AC on. 

Pro Tip:  If you are changing from one solar generator to another, pay attention to the new unit’s solar panel requirements.  Low Watt/Hour units often require low voltage solar panels in the 12-24 volt range, while larger units typically require solar panels that may be in the 36+ volt range.  If you have multiple solar panels it is simple to increase your panel’s voltage by connecting them in series instead of parallel.  Two 18 volt panels connected in series will yield 35 volts (18 + 18 = 36 volts). 

Pro Tip: I only turn on the AC when I need to run something that needs it, and I immediately turn it off when I am done. Continuously leaving an inverter on can drain a large battery bank in a day, even if it isn’t powering any appliances. Beyond my AC-powered cooking appliances, most of the things that I use are run on DC power (fridge, fan, heater). 

All appliances list their maximum power draw on a label located on the back or the bottom of the unit. My current solar generator has a 2000-watt inverter built in, which is enough for my “all-electric” van’s needs. I can carefully use an induction burner, microwave, coffee pot, and even a three-quart Instant Pot, but only one at a time.

-There may be other solar generator features that could be important to you, like the ability to control the unit with an app or a wireless charging pad for your phone. I like newer units that have their AC recharging circuitry built into the unit (instead of an external power brick). However, I don’t consider that to be a mandatory requirement.

You can go small if you are creative.

People do operate 12-volt fridges with small solar generators. However, they do this with compromise. Some use two small 300-watt/hour units. They use one to run the fridge while they charge the other one with a folding solar panel. Others use small solar generators and load their fridge with purchased ice (turning it into a temporary ice chest) when they have a run of cloudy days. The less you rely on electricity, the smaller the system that you need.

Ways to recharge your solar generator.

Rooftop solar panels

I have 400 watts of solar power on my van’s roof, and this has served me well.

Advantages: Set and forget. My panels are always charging my batteries when the sun is present.

Disadvantages: It can be expensive (if you use a professional installer) or mildly complicated (if you do it yourself) to mount. Being flat on the roof, the panels have a sub-optimal angle for solar charging. They don’t generate power if I’m parked in the shade.

Folding solar panels.

Advantage: No installation, simple to use. You can place them at the proper angle to capture the most solar energy. You can place them in the sun while keeping the van in the shade.

Disadvantages: May not have a high enough voltage needed for larger solar generators. Clunky. They can only be used when you are stationary. They can be stolen. 

Secondary Inverter.

I have an inverter connected to my car’s battery, and my solar generator’s charging brick is connected to the inverter.  

Advantage: I can run the AC appliances independently off this unit if I idle my van. When I drive, I can charge my solar generator at a high rate. Caution, as some brand-X inverters are not what they say they are. I had a 1500-watt unit that could only produce around 900 watts of power. I now have a Xantrex unit that was at least twice as expensive, but it does the job. 

Disadvantage: An additional expense. It may stress smaller vehicle’s electrical systems. 

Car accessory (cigarette lighter) socket.  

Advantage: Using this is as simple as plugging in a patch cord into your cigarette lighter and then into your solar generator.

Disadvantage: At most, you can only charge at 10 Amps ( 10 Amps x 12 Volts = 120 Watts). In many cases, your system will only allow you to charge at 65 watts. This may work for small solar generators or folks who are constantly driving, but more is needed for most. 

Inverter Generator.

These are relatively small gas generators that have a pure sine wave AC power output.  

Advantage: You can keep your battery charged regardless of sky or shade conditions. They are very efficient, so a little gas goes a long way. Such a generator could charge up a solar generator for a relatively small cost. Honda is the class leader but is expensive. There are a number of Chinese brands that offer a similar capability for a fraction of the price of a Honda unit. However, they may not have the longevity of a Honda. I have a cheap Chinese unit, but I have never needed to use it. 

Disadvantage: These generators take up space, and you also have to carry gasoline.  

AC Mains Power.

Advantage: If you have access to regular AC power, use it to keep your solar generator topped off. I take advantage of AC power whenever I am able. I just plug the solar generator’s charging brick into the AC to keep the solar generator’s batteries fully charged. 

Disadvantage: You have to have an outlet handy. This won’t be the case in many National Parks or in any boondocking situations.

Be sensible.

When you have to rely on a potentially unreliable power source, it is important to have some sort of backup. Although I do the majority of cooking with electricity, I also have a small butane stove. Additionally, I have battery operator lights and even a battery-operated fan. On a recent trip with my son, my 12-volt fridge mechanically failed. Luckily, we had enough emergency shelf-stable foods to “carry on.” There are no emergencies for those who are prepared. 

Brands.

We all know the big brands, which are often excellent products. I have used Goal Zero, Jackery, and Bluetti systems, and they are good. Off brands are mixed, but most are OK (I have tested many). Some less-known brands stand out. I have been especially pleased with my current Pecron system, and I have also heard good things about the Oupes brand.  

I have changed my power system several times, initially out of need, now more out of tweaking interest. However, most users can be “one and done” with a little thought.

I hope that this post has helped new van-dwelling get an understanding of the ins and outs of van-life power.  

Is Medicare Advantage A Disadvantage?

In February 2024 this website crashed for no apparent reason. Despite using professionals at GoDaddy.com it was impossible to restore anything after October 2021 (over 100 posts). I do have many of those post in draft form (no final edit or photos) and I have decided to repost them in that manner. I apologize for typos and other errors. How do I feel about losing all of my original work? Life goes on.

Years ago, we gave up cable TV and never looked back.  We have existed quite nicely with DVDs from the library, streaming services, and antenna TV.  

On Thanksgiving Friday, the family and I were re-experiencing our all-time favorite holiday movie, “A Christmas Story.”  Ralphie was cleverly placing an ad for a Red Ryder rifle (the one with the thing in the stock that tells time) in his mother’s “Look” magazine when something horrible happened.  The picture froze, and we sat in disbelief, staring at a buffering circle that went around and around our TV screen.  

We said a few choice words, but that didn’t help.  We unplugged and replugged the modem and the router, but that didn’t help.  We even checked the outage map, but it said that all service areas were green.  Things weren’t good in Kunaland.  We were suffering from the withdrawal of Christmas cheer.  Sucked away by a spinning circle that denied us knowledge of Ralphie’s fate.  OK, we knew that he was getting the rifle because we have watched this movie every year for decades, but it was devastating nonetheless.  

As I write this missive, our Internet is still out, and a Comcast technician is trying to beat the setting sun as he uncoils a giant spool of coaxial cable to reconnect us to the cyber world.  

We are not big TV watchers here in Kunaland, but deprivation is a powerful motivator.  I have found myself frantically searching terrestrial television stations for reruns of “New Gen” and “The Dick Van Dike Show.”  Thankfully, I have been successful in my endeavors, but at a high cost.  We are in open enrollment for Medicare, and at least 50% of the commercials have focused on getting me to dial various 1-800 numbers because “I could be missing out.”  Aging sports figures and ancient movie stars beckon me.  Slick commercials of happy seniors urge me to pick up the phone and dial NOW!

The following post has been researched but still represents my opinion.  If you are about to start Medicare or are on Medicare, you may find these writings helpful. Naturally, do your own research and come up with your own conclusions.

Medicare was established in 1965 by the then president, Lyndon Johnson, as part of his Great Society Program.  Before Medicare, only 50% of those 65 and over had health insurance, and very few had surgery or outpatient coverage.  The current US life expectancy is 77 years.  That is a long time to be without health insurance. Medicare is life-giving, but it isn’t comprehensive.  

The original Medicare consisted of Part A and Part B.  Part A is for hospitalization and has a deductible. The way that the deductible works can be confusing.  It involves a set deduction for every 60 days of hospitalization and a convoluted charge for skilled nursing care, which can add up.  Part B involves outpatient treatment, from doctor’s visits to diagnostics.  The recipient is responsible for 20% of all outpatient charges, with no limit.  That is not a big deal if you see your doctor once a year, but it could be catastrophic if you have to have regular expensive tests, for instance, MRI scans.  Treatments like chemotherapy and dialysis are also covered under this 20% rule.

In 2006, Medicare Part D was added as an option for Medicare recipients.  Part D covers prescription medications, and its payout is also very convoluted, having 4 phases: a deductible phase, a co-pay phase, a donut hole phase, and a catastrophic phase.  Most people are concerned with the donut hole phase, where their cash outlay for medications can increase dramatically.  

You will enter the donut hole when the total cost of all prescribed medications exceeds $5040 (including what insurance pays).  When your total out-of-pocket medication bills (NOT counting what your insurance paid) reach $7,400, you leave the donut hole and enter catastrophic coverage.  It is important to note that the $7,400 is the amount you paid, not your insurance, which can greatly burden financially strapped seniors.  However, Part D is better than what was available before 2006, which was nothing.   

Most seniors who stay with traditional Medicare will get private supplemental insurance for Part A and B (often called Medigap insurance).  This comes in various “flavors,” but many choose Plans G or N.  This will be an additional monthly cost beyond the normal Medicare B premium but will cover most of the charges that Part A and B miss.  The government sets Medigap coverage, so a Plan G from Company A will be identical to Company B.  However, companies set their monthly premium.  You may find an unknown company with a low premium for Medigap insurance.  They may do this to attract you but raise their rates more significantly than other carriers.  It is best to do a little research or use a broker to sort out a company’s history so you can determine its pricing behavior.

Part D requires its own supplemental policy.  In 2024, some Part D plans will have a zero monthly premium.  Part D plans can change yearly, so reviewing the documentation from your Part D insurer is important.  With Part D insurance, you are still subject to the donut hole and other limitations. 

What are the advantages of traditional Medicare?

-You can go to any doctor who accepts Medicare (most do).

-You can go to any hospital that accepts Medicare (most do).

-If your doctor thinks a test, treatment, or hospitalization is necessary, and if it meets Medicare guidelines, it will be covered, no questions asked.

-You can see any specialist without your primary’s approval or referral. 

-Precertification for procedures is not necessary.

What are the disadvantages of traditional Medicare?

If you are healthy, Medigap policies can be more expensive than Medicare Part C, also called Medicare Advantage. 

In 1997, Medicare developed Medicare Part C, originally called Medicare Choice and now called Medicare Advantage. Medicare Advantage is NOT Medicare. If you choose Part C, you leave Medicare and join a private insurance group. Your care will be managed like an HMO (or sometimes like a PPO).

Advantages of Medicare Advantage.

-You may have a low or no monthly Advantage premium (in addition, you still need to pay the standard Medicare Part B monthly premium).

-You will automatically get Medicare Part D, usually at no additional cost.

-You will possibly get many perks, such as:

Possible free gym membership.

Possible free dental checkups with selected dentists.

Possible additional dental coverage.

Free eye exams with selected eye clinics.

Possible allowance to pay for a portion of your eyeglasses.

Possible help with hearing aid costs.

Possible monies for over-the-counter medical items.

Disadvantages of Medicare Advantage programs

-You are limited to doctors who are members of your Advantage plan

-Those doctors may withdraw from your plan at any time.

-Your coverage is region-specific.  If you are traveling outside your hometown, you may not be covered.

-Your hospitals are limited to those that accept your Advantage plan.

-Seeing a specialist requires a referral.

-In practical terms, your care can be determined by a third party who may be less qualified than your doctor.  In some cases, your care is determined by a computer algorithm (AI).

-You may be denied care, even if your doctor feels it is medically necessary. 

-Many denials are reversed, but the process can be so arduous that you may not have the energy to constantly fight for what you need.

-There are reports of patients being denied necessary but expensive care.

-There are reports of patients having to wait long periods for life-saving treatments, for instance, expensive cancer treatments.

-Premier hospital systems, like Mayo Clinic, do not accept Medicare Advantage plans (but do accept traditional Medicare). 

-There are reports of patients being denied appropriate skilled nursing care for the needed time.

-Advantage programs can change their doctors, hospitals, and coverage annually.  You are responsible for determining if your treatment team and facility are still part of your plan yearly.

Why do brokers sometimes push patients toward Medicare Part C (Medicare Advantage)?

I can’t look into brokers’ minds, but I can list some documented facts.

-The broker receives a significant commission every time a patient is placed into an Advantage program. This commission is much larger than what they would make by referring someone to traditional Medicare.  

-There are undocumented reports that some Medicare Advantage companies offer brokers all sorts of additional perks that range from special trips, free training programs, and cash to market their businesses.

Why do private insurance companies like Medicare Advantage?

Again, I must speculate.

-It is a huge profit center for them.  They potentially gain millions of clients for whom the federal government pays a monthly premium.  In addition, some Advantage programs have a separate premium that the client pays.

Why does the government like Medicare Advantage?

-Technically, Medicare is neutral on the topic.  However, if you look at the Medicare website, it is easy to believe that Advantage programs are part of Medicare (they are not).  

-By pairing the word “Medicare” with “Advantage,” there is a clear suggestion that these programs are part of Medicare, yet better than traditional Medicare.  Why would the government allow this when it is not true? If I were making Rolex watches, would I allow a knockoff company to market an inferior watch and name it Rolex Deluxe?  

-Medicare Advantage was supposed to save the government money by using state-of-the-art models for delivering care.  It was supposed to provide care at the same or higher level than traditional Medicare.  It does neither, as it costs the government more than traditional Medicare, and many reports say it delivers poorer care.

Why would your pension plan want to change you to an Advantage plan from traditional Medicare?

-Government organizations, municipalities, and other groups offering pension plans may push Medicare Advantage as it eliminates their obligation to pay for Medigap insurance policies for their retirees (which can be stipulated in pension contracts). 

How can insurance companies profit when they give patients perks and pay brokers big commissions?  

Simple economics: take in more money than you pay out.  The more you do this, the more money you make.  Free dental exams are inexpensive, but a long stay in a skilled nursing facility is very expensive.  Limit the latter (even if deemed medically necessary), and you increase your bottom line.  There are documented cases of this. Insurance companies can squeeze profit from the other end by offering ridiculously low reimbursements to providers and care facilities.  There are cases of rural hospitals closing their doors because they couldn’t stay afloat due to the poor reimbursement they receive from Medicare Advantage companies. There are also cases of hospital chains dropping Advantage clients as they lost too much money providing care for them. 

As a physician, I have had some experiences with managed care.  Many HMOs offered such poor reimbursement that my group refused to join them.  Still, I could cite numerous examples where endless hours were spent trying to get care for a patient. Our office had a dedicated staff person whose job was to fight for medication coverage that insurance companies denied for often ridiculous reasons. These cases could return to the provider, forcing us to battle with an insurance reviewer. How many doctors can spend the time to do this?   Advantage must understand this quandary.

I remember a case where I had treated a patient with severe depression with several antidepressants, with no success.  I switched him to venlafaxine, and he had a significant positive response.  Unfortunately, his insurance plan’s formulary did not cover that medication.  Our office spent an enormous amount of time trying to get it approved, and it finally ended in a doctor-to-doctor peer review.  After being placed on hold for a long time, I was connected to the reviewer. The smug MD on the other end of my phone call asked endless questions about the patient.  I explained his past treatment failures, his amazing response to venlafaxine, his need for long-term treatment, the fact that he had a job to keep and a family to support… and more.  I spent 45 minutes talking to the reviewer.  This was during a day when I had a full schedule of patients.  This patient needed to be on meds for at least six months (standard practice), likely longer.  Ultimately, the doctor said I was right, and that the patient should be on venlafaxine.  He approved TWO WEEKS OF MEDICATION!  He told me that I could appeal again if I wanted to extend his treatment. Yes, he was an asshole, but you can see how such systems prevent patients from getting the care that they deserve. On the books, appropriate checks and balances were in place; in reality, the barriers were made impossibly high.

My Personal Story.

Despite being a physician, I found it difficult and confusing to compare Medicare plans comprehensively.  Many “balls in the air” occupied my time when I was approaching retirement. Additionally, I was going into retirement as a high-income earner.  Everyone must pay monthly for their Medicare Part B (traditional Medicare and Advantage recipients alike).  However, if you are a high-income earner before retirement, you must pay additional IRMAA surcharges. This meant that my monthly Medicare Part B payment was pretty hefty. Additionally, I decided to wait until I was 70 before I started to collect Social Security payments, as this would maximize my monthly payout.  This meant no Social Security checks for years. I did this for my wife, who is ten years younger than me.  She comes from healthy stock, and she likely would outlive me.  I wanted to ensure a more comfortable lifestyle for her. Lastly, she owns her own business and has to pay a significant premium for her private health insurance.

I was on a fixed retirement income and was faced with significant outlays for health care so I had to explore cost effective options. I’m pretty healthy, and Advantage programs in my area offered many perks with zero additional premiums (again, you still have to pay the Part B premium on Advantage plans).  I use a large medical group (hundreds of doctors), and they as well as my local hospital accepted Advantage insurance. Using a broker, I signed up for a Humana Advantage plan.

My experience with Humana was good.  I’m on a couple of cheap generic meds, and they covered them.  Additionally, I needed to see a few specialists and also had a short course of physical therapy during the last few years.  Humana covered this, too, with co-pays from me.  Lastly, I had a simple outpatient surgery, which Humana also covered.  I never used the “perks” for a variety of reasons, including laziness on my part. 

This year, I decided to change to traditional Medicare despite having a good experience with Humana Advantage.  You are probably scratching your head and asking, “Why?”  There were three reasons:

  1. I love to travel around the country in Violet the campervan.  In January 2023, I attended a large rally of van dwellers in Quartzite, Arizona, called the RTR.  This rally had many seminars, including one that discussed health insurance for seniors.  They noted that Nomades on Advantage plans are often not covered when traveling outside their plan’s catchment area.  There are exceptions to this rule; for instance, a large plan may have related plans in other regions.  However, it can be difficult in an urgent situation to find an affiliated doctor or hospital that may or may not be present at your locale. Using an out-of-network provider or hospital could be extremely expensive for the Nomad.  Agents may tell you that emergencies are easily covered when traveling, but that was not the message from the talk’s presenters.  This concerned me.
  2. As the rally was ending, I got a call from my wife.  She was having medical issues, and it was eventually discovered that she had a large malignant mass in her pelvic region, which was pressing on a major nerve root.  She had standard BCBS insurance, which was a godsend.  She saw many specialists from our large group, but they couldn’t help.  She then saw a neurosurgeon outside our group, but he felt that her case was too complicated.  We then went to a major university hospital and saw another neurosurgeon, who referred us to a third neurosurgeon.  Her treatment eventually involved a 7-hour operation at a major university hospital with five specialist surgeons in attendance, including two department chairs (yes, it was that complicated).  She spent four days in the ICU, many more days on a general med/surg floor, and then she was transferred to a state-of-the-art rehab hospital.  She was hospitalized for around a month in total.  Post-hospitalization, she was scheduled for eight weeks of radiation using a very specialized (expensive) machine that used a CT scanner to position every treatment.  Additionally, she needed to have a custom leg brace made and she attended many weeks of physical therapy. She got an incredibly high level of care at a top facility with world-class doctors. She was able to go where she needed to go instead of being restricted by her health insurance. If we had to pay out-of-pocket, it would have bankrupted us as the costs were astronomical.  
  3. My brother-in-law needed cardiac surgery, and it was a tricky operation.  He could have had it done locally, but he researched and found that the best place in the country for his surgery was at the Cleveland Clinic in Ohio.  Their success rates were the highest nationwide.  He had regular Medicare, so he was able to go where he wanted to for his complicated surgery. 

Examining these three points, I realized I wanted to switch from an Advantage plan to traditional Medicare.  It is possible to do this, but there is a glitch.  When you initially sign up for Medicare, Medigap plans must accept you. However, after a grace period, if you want to switch from an Advantage plan back to traditional Medicare (and get a Medigap plan), you need to go through an underwriting process.  If you are deemed too high of a risk, Medigap insurers can reject you. You are asked many questions, including if you were hospitalized in the last three years or if you had been treated for cancer in the last five years.  It is possible that any “yes” answer will prevent you from getting Medigap insurance. There is also a central database that insurers can use that contains detailed patient information.  I have heard (not verified) that some Medigap companies will reject you for common problems, like being on more than two blood pressure meds simultaneously. 

Changing from an Advantage plan back to traditional Medicare on my own seemed impossible.  Letters needed to be sent, plans needed to be canceled, new plans needed to be applied for, and timeframes had to be honored in the complicated way that the government likes to do things. Luckily, I have a good insurance broker who made the transition easy, took all the steps to disenroll me from my Advantage plan, and set me up with a Part D insurance plan and Medigap for Parts A and B.  

If I stay healthy, I will pay more while losing the perks offered by my Advantage plan. However, I never used the perks anyway.  My dentist of 30 years wasn’t a Humana provider, so I continued to pay her out-of-pocket.  I thought about joining a health club but never did.  I didn’t even know about some perks, like having an allowance for over-the-counter meds. 

If needed, I will have better treatment options with traditional Medicare.  Additionally, most Advantage plans have added co-pays and deductions when you utilize more expensive treatments, like hospitalizations or ER visits.  If I ever had to seek expensive care, it is likely that regular Medicare would be less expensive overall. 

I suggest you use an honest insurance broker who specializes in working with seniors. If your broker pushes you towards an Advantage plan without discussing traditional Medicare, I would find a new one.  However, a good broker can make your life much easier as they are well-versed in this very complex topic.  

Do I think there are instances where an Advantage plan is better than traditional Medicare?  Yes, when the individual can’t afford the costs of paying for a Medigap and Part D premium. That may be a sizable percentage of the retired population. However, I don’t think the extra perks that Advantage programs offer should impact one’s choice. That is like choosing a mechanic because he gives out free car air fresheners. 

Although the above is my opinion, I hope it will get you thinking about the best option for you.

Cheers

Mike

Random thoughts and my philosophy of life.