Live Enough to Die With Zero

Die With Zero by Bill Perkins is one if not the top book of mine read in 2024. As a guy who has spent years coming to grips with finance, retirement, et. al, this one book changed my views of money fundamentally.

I hope Die With Zero will change your views too.

Will You Die With Zero?

The principles of the book are keen, yet they lack a tool to apply them to.

I made one to check if I would or could die with $0 left over in the bank. Cleaning that sheet up, here is a generic copy for you and your friends to check where you are now (money in, money out, net worth), where you are going (interest, growth), and how you too might live a life full enough to die with zero (life expectancy, retirement).

Make a copy to check it out yourself: Die With Zero Example

Remember, the goal is to live a full life so you can die with as close to $0 as possible – you can’t take it with you. Read the book for more excellent insight as regards to inheritance, lifestyles, and health!

Other Finance Heuristics

The above is a pretty plain tool, yet in an afternoon it can give insights to if a person is on the right saving and spending path.

It is certainly better than the over-simple “expenses x 25” (a 4% nest-egg withdraw rate estimate), “expenses x 33” (~3% withdraw), or “expenses x years-to-Social-Security” (an early retirement guess-timate).

That, or the “nothing is as good or bad as it seems, hedge 33%” (though this could shore up some extra security at end of life).

Let’s not forget the survival estimate using SS Social Security, which is “.7 x (years-to-SS x expenses + [end-of-life-age – age-to-start-SS] x SS-estimate)” – kinda icky.

If you really want to get into the weeds, spend a day with Finance Mentor or Projection Lab (I have no affiliation with either – I just like the apps). These go through details and life possibilities with much more advanced simulations, but they will not matter unless you are closer to or just had a major life event (e.g. divorce, lottery win, settlement, child, vast cost-of-living change, etc.).

Comment what you think about the tool. Do all or most of these calculations show you have secured your future? Great! Count yourself freed from need – these tools exist to work for you, not you to exist to work.

Cheers to you making it through the finish line while making a grand time of it ~

Convince Others of Your Worth

Recently, I have been chatting with some folks who are in positions to give me compensation for the value I historically would bring to them (per annum, millions of dollars, perhaps even lives).

AKA interviews 😂

While passing tests and getting along great as people, I keep needing to do what you too must see on a frequent basis: convince others of your worth.

I have the $$$ figures, I have the historic evidence, I have the rapport, yet I need a little help from experts.

Some experts on the arts of negotiation and selling oneself have been visited before in Devaluing Your Worth and What Is Your Work Worth?. Those insights are gathered here with new insights sprinkled in that I have negotiated tens-of-thousands of compensation for.

So read on – it will only be 15-20 minutes. This bit of prep could help land you enough to make all the difference. Here goes:

  1. Value Yourself
  2. More Than Just Cash
  3. Update Your Numbers
  4. Aim High to Make Fair
  5. The Reveal
  6. What Is Your Base?
  7. Wrap It Up
  8. Negotiate Like Your Life Depends on It
  9. Further Reading

Value Yourself

First off, you need to know what your value actually is – without that, you have nothing, the same as your value in another person’s eyes.

So convince yourself of your worth first: understand how many years of experience you have for a given role, the skills you bring, how and how fast you learn, and the quantities of cash and cash-equivalents (time savings) you have brought to other roles.

That done, figure out what is a fair compensation range for that role. This can be found through:

  • Bureau of Labor Statistics
    • What should be the be-all, end-all source of compensation data, BLS is a treasure trove of data. By role, by industry, by state, and by county, medians and averages and other data are everywhere. It can be a chore to navigate – the effort will be worth it!
  • Glassdoor
    • The most common work resource on the internet. Besides researching the company being talked with (reviews, history, and interview topics), Glassdoor houses a vast collection of salary and total-compensation for cities, roles, and roles at the company.
      • NOTE: Glassdoor will track your use and after the first page you view, it will require you to sign in to view more. While contributing to the Glassdoor community is a valuable way to give back, it can also be annoying.

        Instead, do all your Glassdoor searching in a private/incognito window. When the page blocks you, copy the URL, close the entire private/incognito browser, then reopen the browser, navigating to that copied URL. Voilà!
  • Levels.fyi
    • Largely tech-focused, this site’s deep breakdown of different companies, roles, and cities for both general and specific job titles (e.g. “software engineer” vs. “L4”) is invaluable.
  • Stack Overflow
    • More of a software resource than general, it provides a great, easy-to-read walkthrough of reported data, something you can learn from in reference to other data providers.

Other resources like Salary.com or industry-specific reports like the annual report from the Game Developers Conference (GDC) can be great for pulling additional data points.

From the above, collect the averages and medians of both salary and total compensation (dealing with those in the next section). If there are multiple results, take them all. Put everything into a Google or Excel Sheet – you will need it >_>

Example: Throughout this article, we will reference a fictional role that, after calculation, comes to $98,765 base salary, $123,456 total compensation.

These terms are investigated later, but now you have the details!

More Than Just Cash

Now you have a collection of average and median $$$ figures, a bunch of base salaries and total compensation packages. Here, we need to find what amount of compensation comes from things other than a paycheck.

Usually, total comp refers only to base salary, annual bonus, and stock grants/options. “Cash is King,” as is said, but for many, the additional bonus and stock can be the linchpins in the agreement.

Bonus and stock can be viewed as cash equivalents – not as good as cash, but within a margin of error, can bring major payouts later on a yearly or quarterly basis. Sometimes it can be cash-in-pocket right away – signing bonuses with lenient claw-back terms should be considered as a cash bonus in the offer.

With the numbers you have, look at the whole package of salary, bonus, and stock when the offers come in – any other benefit is gravy. This does not decrease the value of PTO (sick and vacation, approximate value of 2% of base pay per 5-days/1-week; assume “unlimited” is 15 days or 6% of base pay, i.e. 3 weeks before someone starts asking), work from home, or other benefits – it only means that we can judge like with like, salary-bonus-stock numbers compared with the offer of salary-bonus-stock.

But how much does salary and everything else make up total compensation?

Simple: You have salary and total comp numbers from the previous section. Divide salary by total comp in each pair, and get an average and median – this will give two numbers in percentile of how much salary should be making up the total offer package. Since cash is king, pick the higher percent (i.e. expect a higher salary right away vs. waiting a year for benefits to kick in).

Example: $98,765 is the base salary, while $123,456 is the total comp.
$98,765 / $123,456 = .8, or, 80% (round up if needed)
Therefore: Expect base salary to be 80% of total comp.

Total Comp * Percent = Base Salary

Keep this percent for later.

Update Your Numbers

Setting salary aside, bring out the total compensation numbers so we may calculate the total range of value your work is worth!

Adjust all the total comp numbers by the rate of inflation, rounding up to the nearest 5% (e.g. 8.9% = 10%). We do this because virtually all data will be a year (or more!) old.

Next, whenever using general resources that apply to the entire nation (e.g. “X in the USA” vs. “X at Y company, in Z city”), adjust those numbers by the cost of living in your city.

CoL can be found online. I am partial to Best Places to determining my city compared to the national level, e.g. Las Vegas is +11.6% as of August 2022. Best Places, Nerd Wallet, and Numbeo all have excellent city-to-city calculators too (if there is a difference between them when you research, take the number best for you).

(Use the city-to-city calculations later if considering work in another city, but only if the result is higher than what you already have!)

Example: $123,456 is the calculated total. Assuming inflation is 10% and the position would be onsite or remote in Las Vegas, the CoL is 12%, the new total comp is:

$123,456 * 1.1 * 1.12 = 152,097.792, or, $152,098

Aim High to Make Fair

Adjusted numbers in hand, get them down to just 4. Plug the numbers into this grid:

Average of the AveragesMedian of the Averages
Average of the MediansMedian of the Medians
Comp Number Breakdown

These numbers define what you ought expect as a total comp floor from any offer.

The lowest number in the grid is your secret floor. If desperate, you can accept offers just above this value, but for pity sake, accept nothing lower. Tell no-one this number. Cool?

Take a look at the highest number in the grid. That number is your quoted floor, the bottom offer – this is what you will tell folks when they ask “what is your range?” Round up to the nearest thousand. Do your utmost to stay away from this median.

Medians are mediocre. I trust you bring more than a mediocre value.

Time to aim high, getting us closer to the 75% percentile in wages. We do this because it helps inflation-proof your compensation, improves the performance rewards you ought be getting for a good job, it helps prevent a company from low-balling you, helps your peers in the field by demanding a higher wage, and saves your self respect.

What’s not to like?

Anyway, take your bottom number. Multiply it by 15%, 18% if feeling confident. Round that up to the nearest $5K. That is now the top of your range.

Example: Assume $152,098 is our lowest of the 4 values. The highest value is $156,789 (round to thousands).

$152,098 is the secret floor. Acceptable if the company is great, the work good, you would like to work right away, and you and your boss have a plan to review that number in a few months.

$157,000 is the bottom range. Told to prospects.

$157,000 * 1.15 = 180,550, or, $185,000 is your top range. You sell yourself near or above this number.

The Reveal

You have your top and bottom range, a secret floor, and salary percentage. While you never reveal your floor, contrary to this section title, you try, try, try not to reveal your range.

Why?

Keep the employer honest – they ought give you a range expectation for a role first, especially if they reached out to you first. Who knows – they may give you a higher total comp range than you calculated! (This gets touched on later.)

This section though is about when your casual efforts have failed and the employer stonewalls you on the value of your labor. So it is your turn – after giving the context that this is the reasonable range for your experience, the role, and other factors, reveal your range.

Example: “After researching the role and the value I am bringing to it on places like Glassdoor, the Bureau of Labor Statistics, and industry reports, a reasonable total compensation range would be $157 to $185, though with my proven career of success, I feel I would fall closer to the top of this range.”

If the person you are talking to balks, you walk. If the person says anything but no, you have the door open 🙂

Even if the employer mentions they likely could not hit the top of the range, they now know your bottom, and are more inclined to meet well above the bottom knowing your expectation of more!

What Is Your Base?

Many times, recruiters haven’t done the homework to figure out what their company is offering in total. When you give your total comp reveal, this may leave them confused. Here is where you save the day:

After the other person expresses they don’t know total comp or need a salary range, you can provide the base salary of your bottom and top numbers using the percentage calculated before.

Easy! So long as you remind them that these are flexible numbers depending on the extra benefits – total comp is always the goal, your personal value placing you squarely at the top of the range.

Example: The total comp range (in thousands) is $157 to $185. The calculated base salary is 80% of total.

Therefore, the base salary range is ~$126 ($157 * .8) to ~$148 ($185 * .8).

(Rounding up, as always.)

Wrap It Up

  1. Find numbers from resources: BLS, Glassdoor, Levels.fyi, etc.
  2. Calculate base pay percent from total comp: base / total
  3. Update numbers for inflation and CoL.
  4. Pick the highest numbers as your bottom total comp, saving the lowest numbers as a secret floor.
  5. Calculate top total comp: bottom comp * 1.15
  6. You now have your secret floor and bottom-to-top total comp range.
  7. Calculate a soft, flexible base salary range for those in need:
    1. Bottom: bottom comp * base pay percent
    2. Top: top comp * base pay percent
  8. You now have your flexible base pay; this is a guide since total comp is the goal.

Nifty, eh?

But what good is knowing your worth if they won’t realize that value?

That’s where negotiation comes in.

Negotiate Like Your Life Depends on It

Your life really will depend on your negotiation. From misplaced time to opportunity cost, you must negotiate – it is one of the most important things you must learn to do.

While I am only a student myself, here is the best I’ve gleamed:

  1. Get a range during the first screen / conversation. Get the other party to reveal a range first if possible; otherwise, give yours and specify how you land at the top of the well-researched range.
  2. Kick behind during the interviews – this is non-negotiable. Study, rest, eat well, destress, clear your calendar. Brush your teeth, wash, dress fine. Smile, mind your manners.
  3. When the offer comes, express your thanks that they considered to give you an offer, and all the time they have invested so far. However:
    1. Offer is above your goal: Great news! Do not show your elation. Instead, explain you have learned through the interview that the role is worth more than originally estimated. Maybe it is responsibility, requirements, or near-future challenges – see how far north it can go with salary, bonus, stock, and signing compensation. (Don’t negotiate too hard here – you have already ‘won,’ so congrats! Anything else is icing on the cake.)
    2. Offer is well below your goal: Oof. While you do not get flustered (take a breath!), verbally gasp or suck in air through your teeth. After thanks, let them know that this is well below the market asking price for a person of your skill and that the offer is very far off of expectations.
    3. Offer is around your goal: OK. It is close. Let the other party know this. Ask how the offer might meet expectations. Let them figure out how to meet your value – if they need help, suggest that you all look at non-salary benefits, such as bonus, stock, signing, and extra weeks of PTO to make up the difference.
  4. Be quiet. Silence. After making a statement, shut up. Let the other side fill the void. They may give you more information or negotiate against themselves.
  5. Walk the offer along. When the offer is below the top range, walk that top range down to the bottom. Choose a way to do this beforehand:
    1. Ackerman Model/Technique: T is the top of the range. B is the bottom. T-B is the difference D you work with. “B + D” is the “T” you initially aim for.
      1. Zeroth offer: T
      2. First offer: B + (D * .35)
      3. Second offer: B + (D * .15)
      4. Third offer: B + (D * .05)
      5. Fourth: B
      6. (Give thanks, but offer no more after this.)
    2. Aggressive Technique: Something I have used before. T is top range, B is bottom, D is the difference in between:
      1. Zeroth offer: T
      2. First offer: B + (D * .6)
      3. Second offer: B + (D * .3)
      4. Third offer: B + (D * .1)
      5. Fourth: B
      6. (Give thanks, but walk after this unless the job is needed and the secret floor is met.)
  6. Be prepared to walk away. Those that can leave the table have leverage; those who cannot are slave to whatever the other party wishes.

All of this is barely skimming the surface level of understanding, demonstrating, communicating, and convincing others of your worth. It is at least a start.

Further Reading

Knowledge is powerful:

Those are my tools! Now those are your tools too ~

Like ideas or drafts, the first offers may not be up to snuff. Stay patient, friends, as best you can. Your situation is undoubtedly different from mine – no matter what it is, use these tools to convince others of your worth. Stick to it, k?

Here is to your gains and your greatness! Share with me your success stories and own methods for achieving your value. Cheers for now ~

More Than Ouch: Managing Pain

Let me write about pain, namely its management. Two Three months in, at least a few more to go, I approach this subject as a case study, as a patient. This is not medical advice, but the experience of pain.

  1. From the Doc
  2. Second Opinion
  3. Selfcare of Pain

From the Doc

The staff in the hospitals various offer two solutions to pain:

  1. Take pharmaceutical aids, and
  2. Find physical and/or occupational therapy.

While I am sure the Hippocratic Oath is strong in the practitioners, pain at home is a whole different ballgame than the drugged and supervised boredom of the hospital.

Of course take your meds – Stoicism here is not in enduring the pain, but staying disciplined in your pain management schedule and overall recovery. Yet as you too might discover is that constant work may be inconvenient and the pills are delayed or overwhelmed.

For when the typical advice fails, we look elsewhere:

Second Opinion

My virtual mentor Doctor Andrew Huberman delivered a podcast just in time for my case. Talking with Dr. Sean Mackey, they covered a fantastic range of pain management strategies and tactics I combined with some self-discovery made on the first hospital visit:

  • Smile
    • While it may be more of a grimace, smiles release endorphins and ease pain.
  • Touch / See / Remember Loved Ones
    • More feel-good brain chemicals in this. For me, it was images of an amazing cat, text check-ins, and visits with friends. I will visit any friend local-hospital bound daily from here out.
  • Distraction
    • Netflix, podcasts, leg jiggles – do not let the mind dwell on and amplify the pain. This also applies to causing pain elsewhere on the body to redirect focus.
  • Walk
    • Be ambulatory. Take light exercise as permitted. This improves pain tolerance.
  • “Hurt, Not Harm”
    • Repeat as a mantra. Nothing is as bad or swell as perceived. This too shall pass. I vouch for this method since I chanted to great benefit while pacing a few hours one night.
  • Plain Food
    • You might hate it, but I swear you will despise the pain more. A few areas: lower your sodium intake, avoid lactose and other inflammators, and for the love of sanity, do not take supplements that aggravate the condition (e.g. creatine drawing water into my wounded area).
  • Interruption
    • Get in front of the nerve signal: tapping and rubbing between the pain point and the brain overrides worse sensations.

Off to a great start. TMI: After so far three each of hospitalizations, surgeries, and months, I have developed and adopted far more to save my very soul from the sensations this body has wrought:

Selfcare of Pain

  • Morphine
    • Always say “yes” when on offer.
  • Schedule
    • Stick to the taking-of-pain-management timeline no matter external factors.
  • Cell Phone Charger
    • Do not leave home without it, even to the ER. I assume you have a cell – its educational, connection, and entertainment potential is without par for making time fly (or slightly more bearable). Bonus points for earbuds to not be an ass to others in the vicinity when sound plays.
  • Advocacy
    • You are you own best cheerleader – act like it. Educate yourself, understand all the what, why, how, when, and who. Know or it is a “no” – do not tolerate non-emergency surprises and get comfortable telling strangers to back-the-f-off while they explain themselves. Be kind yet firm, ready to engage in your own care, and despise incompetence or a flippancy towards responsibility.
  • Towel
    • I never had to bite a towel for pain before. Glad it was there. When you wake without medication and an exposed… medical situation, you will be glad for a towel too.
  • Drain It
    • As able, raise, remove blood, and secure the area for immobility. Starve the nerves of reason and means to fire.
  • Secure Space
    • Save the need to decide while making a tough life easier by making a space your own. For me, that has been a pillow fort offering comfort, stability, options to configure and reposition, and a divorce of ill from the places I hope to enjoy post recovery.
  • $$$
    • Apply for your disability and any financial support services applicable. Better: live a life of financial studiousness before harm; “in peace, prepare for war.” Money may not take away the physical pain but it will make other life pains so much easier or unnecessary.
  • Sleep
    • Do it. Even if conscious, stay still unless feeding, keeping hygiene, or exercising.
  • Don’t Look
    • Surgery, wounds, injection sites… Let the work be done by professionals without you rubbernecking at it too.

Pain really f-king sucks. And its management can really suck too – the #1 duty in such a situation is to stabilize and minimize the need for such care.

Needless, heedless suffering would seem to be the primordial evil. With these tools, I hope you do not suffer as much and for as long.

Cheers to our recoveries ~

All the Details on Dating I Have

As a numbers guy, I am a Maximizer who adores applying quantities for the qualities that make others and myself feel the best.

When I came across a bunch of heuristics that psychologists and front-line academics in the field of relationship science use, I rejoiced! In a few simple steps, a formula emerged to determine not only the most healthy of general relationships, but the strongest that have happened that future relationships can live up to.

The benefit for you comes in a copy of the Google Sheet algorithm! Packed with the learnings from 2023 and beyond, it will help you understand where your best relationships have been, where your current relationships are, and what to build towards for the future.

The Best Relationships Google Sheet (File -> Make a Copy)

I urge you to make a copy, do some reflection, and check the boxes that apply to you. It ought correlate with the best relationships you have had (high scores, green!) and ID the ‘meh’ interactions we all have some of in life (low scores, red!).

This also keeps us honest: the heat of honeymoon-butterfly-feelings, ignoring elephants in the room, sticking to higher standards and ideals, being realistic of what kind of person we can expect to find in the world given our experiences – all comes to light with authentic expectations and authentic fact-finding.

How has the alg affected me? I have improved the average of relationships by 11 basis points. I read even more literature on how to better the alg and my personal criteria. I show up intentionally from the very first impression. I do not do things when they jeopardize long-term goals or are otherwise dishonest to my life-long self. I have a better resistance to FOMO. I know better what I want and how to ask the questions that may answer those expectations.

(Just to name a few – expect this to benefit you too!)

Thanks for visiting, folks! Valentines Day is coming up – how is your current relationship or relationship set doing? Are you being true to your life-long self? The sheet above will help you double check your gut-check 🙂

Always looking for feedback – if you have sets of criteria (4-7 ish) that have come from elites in the realm of psychology, pass them along! It will make my life more assured and improve the lives of many others when I update them on Google. Plan is to add Esther Perel and the Gottman’s at some point.

Side note: Feeling lonely this cuffing season? Take heart – the shared sheet ought give you hope that quality people do exist in the world. Whether they are a romantic option or not at this place and time is a matter of iteration – get your ‘reps’ in by meeting folks and learning as much as you can about them and yourself along the way ❤

Look forward to happier living, folks. Cheers to identifying your best relationships ~

Every Tool in the Kit: Decide Like You Mean It

I am a Maximizer – give me all the data so I can make informed choices.

100% certainty is never a realistic option, so while I do not settle, I must aim to suffice.

The process of finding out what is sufficient is sometimes easy – like glancing at a nutrition label – and other times an insufficient system can make for the hardest decision of one’s career.

You have seen other posts on how to decide and this time I want to give you my full toolset (as of now) plus a real-life decision I needed to make. That decision:

To move to a rural location that would benefit me financially and my working team (RURAL), or stay in an expensive land of opportunity I just moved to not 6 months before (CITY)?

Distilled from my journal with only the barest of obfuscation of location and specific details, this is your guide to decide:

  1. Before It All: Remember Yourself
  2. Run the Numbers
  3. Full Body “YES”
  4. Occam’s Simple Decision
  5. Leads to More Opportunity / Options / Life?
  6. Imagine Making the Decision; How Do You Feel Now?
  7. Pro-Con List
  8. Ask Why / What-For x5
  9. What Do Your Virtual Mentors Say?
  10. Fear Setting, Fear Achieving

Before It All: Remember Yourself

Prime yourself with the principles you live by, the few hills you will die (kill?) for. Some of mine:

  • Don’t be greedy.
  • Be more selfish.
  • No.
  • This too shall pass.
  • Ends make the means.
  • Wait for no one.
  • Suffering Is.
  • Be no bigger advocate for another as they are for themselves.
  • Life is short and then we die.

These I aim to always keep in mind, so were not applied directly to the RURAL-CITY decision.

Run the Numbers

Money is important to me – it is the best means to many ends. Any sober, reasoning person will agree that money plays a star role in life.

Monthly expense and income numbers let me understand what I can expect where I am. Using a Cost of Living (CoL) calculator like NerdWallet or Numbeo, I can get the difference of how much it typically costs to live where I am vs where I might go. Cost of Living affects expenses.

Googling an income tax calculator will tell you the effective tax rate. Effective income tax affects take-home income.

Take-home minus expenses is the profit you keep for choosing to live in a certain place, have a certain lifestyle, and work doing a certain thing for a certain company.

More profit is objectively a better. Point earned for wherever, whatever increases profit.

Take-home Income – Expenses = Profit

Note: Annual or Monthly, it does not matter so long as the time used is consistent.

CITY has a tax of 32.54% (includes federal and state). CoL: +49% (1.49) national average
RURAL is taxed at 25.36%. CoL: -9% (.91)
I have current spending as C-Expenses in the CITY.

Gross Income * .6746 – C-Expenses = e.g. ~$1000 CITY
Gross Income * .7464 – (C-Expenses * 91 / 149) = e.g. ~$1700 RURAL

RURAL is extra profitable, nearly doubly so. Even assuming one-time moving costs, that money is made up very quickly. GO!

A good place to be in. (Result numbers for example only – math not double-checked, like should that 1700 be 3955? 🤷‍♂️)

Why does profit matter? In one way, it does not: lifestyle ought not inflate with additional profit – that should be funneled back into the business of a lifetime, not a lifestyle. That lifetime, those future “yous” for the next 10, 30, 60, 100 years, will suffer less for the profit kept now – that makes chasing profit a very good thing to do.

Full Body “YES”

Head: Money is good. I would be a big fish in a little pond. Growing location. GO!

Heart: I like my place and my friends and all I have going for me. STAY!

Gut: I do not want little towns – grew up enough with those. Move again, start again? STAY!

Groin: Adventure! New starts! Better commitments! GO!

STAY seems to be the word of the day – my body holds out on taking the RURAL decision.

Occam’s Simple Decision

Staying is a simple decision. Yet…

Going fulfills overarching goals, clears my way. Financial Independence makes all else easier or unnecessary.

Right now, STAY is the simpler, yet an eye to the future means to GO.

(This is similar to “what makes all else simpler or unnecessary,” a tool lifted from Tim Ferriss that analyzes if a more complex/difficult short-term decision bags a net simpler life. Most Qs here are heavily influenced by if not a direct clone of Tim’s toolkit.)

Leads to More Opportunity / Options / Life?

CITY is full of opportunity. People, networks.

CITY gives the options now, but RURAL has lots of options later.

CITY is exciting and a fuller life.

STAY – it opens doors and enables me to rally with the best.

As a virtual mentor puts it, get to a city to rally with the best.

Imagine Making the Decision; How Do You Feel Now?

Go RURAL?

I would feel like I was betraying some folks – arrangements left, distance decaying what I have built in the CITY. More money makes lines go up – a swell thing. It removes direct oversight in the CITY, granting flexibility or reprieve. A resigned feel lies with me – leaving does not feel relieving.

Do it if wanting a restart and / or needing less stress and / or losing my network.

Stay CITY?

I am letting a few people in the business down. I look forward to getting to build my established social life. I enjoy the water, but hold anxiety for what is next. The stress…

Do it if stress is managed (water plays as big part) and / or network continues to grow.

Pro-Con List

(An item cannot just be the lack of being on the other list, i.e. a positive on the GO list is not a negative on the STAY list.)

Go ProGo Con
Big fishSmall town
PayLeaves network
Years off of retirementLeaves friends
Less stress[Poor] airports
Commitment psychology
Importance to the team
Better office
Fewer social disturbances
RURAL
Stay ProStay Con
Develop networkEventually move out / away from water
WaterCommute
Simple choice
Chemistry / vibe
Concerts / culture
Medical resources
CITY

STAY! But barely, leaving me with more questions on the decision than I feel answers.

Ask Why / What-For x5

Asking the Qs of each answer previous:

Why go RURAL? What for?

  1. Asked by the team for its positive impact.
  2. To gain money and prestige.
  3. To be independent and secure.
  4. To work on my things without the anxiety of falling behind.
  5. To regain the sense of control and chill felt in childhood.

Why stay in the CITY? What for?

  1. Simple decision left up to me.
  2. Delayed answering of ‘where to live,’ ‘what to do,’ ‘who to meet.’
  3. I like comfort and staying delays or negates hard conversations and choices.
  4. I like knowing outcomes, answers.
  5. Knowing is power and I am a coward to be powerless (or, irrational?).

Oof – getting deep. I like neither answer, yet I dislike CITY’s answer less.

What Do Your Virtual Mentors Say?

(What I know of these folks, advising in their voice.)

Tim Ferriss: GO – what is the worst case? The best?

Aaron Marino: GO – make an impact and do not let others hold you back.

Scott Galloway: STAY – get to a city (or stay in one!) and get rich slowly.

Andrew Huberman: STAY – you seem not very convicted to GO.

No help here either – I ought have asked more folks!

Fear Setting, Fear Achieving

For each decision option, explore the best realistic case, the all-too-real worst case, and what could be done to cap the downsides:

GO, the Best: Money rolling in. Many new connections with me, the big-city intellectual. Financial gains and I make off like a bandit.

GO, the Worst: RURAL sucks. Small town sucks. I make no friends of my colleagues. There is little to do in yucky weather. I have lost the network formed in CITY for little gain. (And I add, what of any need for medical care? Does not look as swell.)

GO, Cap: Travel. Maintain long-distance networks. Start activities with colleagues. Be the social butterfly. Get on Meetup et. al again. Take up projects and get back into solo activities (e.g. games).

STAY, the Best: Grow long-term network. Form friendships and a community. Get to know the CITY and experience culture in all new ways. Experiment with the beach, dance, entertainment, and other forms of life. Finances pop without RURAL and I continue on the path of FI.

STAY, the Worst: I must move off the beach to both a lower quality and higher cost of residence. I wreck my network. Finances tumble and I am stuck. I cannot keep up with demands and scrutiny as they are. My team and the company moves on without me.

STAY, Cap: Ask for network growth. Keep scrutinizing values and time and effort. Get assurances for housing. Optimize the work. (And I add, I can always choose to move later!)

In the end, I have decided to stay in the CITY, with a quarterly review of the opportunity value of staying or going. For such a large life change, deliberation is required!

This toolkit has come a long way since 2021 – I look to grow it, improve it, apply it always.

What are your heuristics and go-to methods for making decisions? What did you think of this “how the sausage is made” look at my journal and more?

Tell me what’s up in the comments and cheers to your new year here ~

Top 10 of 2023

Every Friday a new post popped up here on JimmyChattin.com – while not all of the same quality, the best rise to the top while past-years’ evergreen content stays as green as ever. Here is your guide to the top 10 of 2023:

10. Lasers + Shields = Boom in Dune

Y’all are nerds. This evergreen post from 2019 dives into the napkin-math explaining how devastating lasers and shields function in the Dune universe.

9. Rewriting: Halo 4

One of my favorite applications of the 6-point story structure of successful Halo stories caught some people’s eyes. The article breaks down what happened in the Halo 4 game, how it deviated from the tried-and-true point structure for narrative, and suggests how the game could have gotten on track while foretelling what could have come in Halo 5 (which didn’t, correlating with the series’ downward trend in reception).

8. A Trinity of RPG Classes

Short and sweet, the blog outlines how Tank, DPS, and Support are the three core classes all other classes derive from in roleplaying games. Edits included from a healthy discussion on LinkedIn after publication.

7. The Best of This Modern Relationship Guide: Make It Happen

Author Logan Ury is such a boss. How Not to Die Alone is in the top-5 of relationship books you need to have read. This part 1 gives the same advice I gave a stranger to get them a second date – get educated and do better in your relationships by putting in the work of reading this article ~

Already have a relationship? Head to part 2!

6. Tribe of Mentors: A Share of Value

A set of superb Qs with very considered answers. Some of the closest-to-heart and best-advice I could come up with at writing.

5. #PaidMe2023

Who knew having access to unobscured financial data proves to be useful?

Continuing the 2020 trend, I share salary data for industry, geo-location, and role.

4. How to Price Your RPG

Data on the best-selling tabletop roleplaying games shows a nifty pattern on how to price RPGs. Refer here when you are considering publishing your own games!

3. Chat With an AI: ChatGPT

2022 was the dawn of regular-use AI. In 2023, I sat down to explore the capabilities of the machine on topics from relationships, universal truths, and sentience.

2. Bringing d20 Poly-Dice to 2d6

Sometimes a person could use a handy-dandy conversion of one dice set’s probabilities into another. Here is my guide for mating D20 and 2D6 systems together.

1. Eight Dates Essential to You and Yours

The Gottmans and their world-class institute have paved the way for modern psychology as it comes to couples. Touching on only a smidgen of their research, Eight Dates outlines decades of work into principles that can build and maintain the strongest of bonds.

Return of a Grimdark Favorite

BITS of Mörk Borg remains off this list because it had 3x the total views of the next contender. #1 in 2022 too, I still do not know what is driving so much interest in the post 🤷‍♂️

Give it a read – you might find out the spice that is a spiked-flail-to-the-face that is this game.
🔥🤘💀🤘🔥

Many 2022 posts are back with some friends going as far as 2019. Clearly, out of all the posts this year, I must encourage you to read these top-tier works.

Some last-minute honorables: A divorce lawyer’s guide to not messing relationships up and rewriting Halo 5.

Want to keep learning? Spy on 2021’s and 2020’s best posts. Cheers to finding something for you and yours ~

What to Eat? A Ratio to Explore

From Vegan to Keto, from beach to raw to liquid to any other diet under the sun, each attempts to address the question “what to eat?”

While In Defense of Food has a poetry in one of the finest answers, “eat food, not too much, mostly plants,” that statement is all qualitative. For someone who values objectivity more (me!), a quantitative answer is requested.

Waiting on no-one, I took matters into my own hands, calculating a ratio to explore when considering what to eat that I have the nutritional facts for.

Only being three weeks hence, I am doing pretty dang swell 😎

The Formula

(Protein + Fiber – Added Sugar) / every 500mg of Sodium
>=
Carbs / 2

Done per serving. Everything but sodium measured in grams (g). Sodium counts as 1 for 1mg and 500mg, 2 for 501mg, 3 for 1111mg – sodium divided by 500 and rounded up.

Another way to look at it is, take the top line (protein, fiber, sugar, sodium) and divide it by the bottom (carbs). If that ratio is 1 or more, the food passes.

The Context

I am a Flexitarian (veggies #1, butter and eggs as secondary staples, and flesh products when presented through unsought opportunities). Without a doubt, keeping my protein and fiber up makes me feel better. Reducing carb hangovers and the bloating associated with sodium makes me feel better.

Now, I do exclude unpickled cabbage and beans – their negative knock-ons are not worth it for me at this time.

Using what I already choose to eat, I can see that most of it fits the equation. The ratio keeps me honest when I choose to deviate, yet it gives me all the power – I can choose to have an exception, versus guess at how an item will impact me.

Note: I also follow the Fiber > Fats > Protein > Carbs eating order the best I can too, though piling on too much fiber has at times led to suboptimal life quality.

More to Consider

The nutritional label is full of information. Common considerations need further analysis.

Think about sugar alcohols – these are common sweeteners that avoid the requirement of being considered “added sugar.” The formula can do just that: consider sugar alcohols as added sugar.

Perhaps a person wants to consider their cholesterol intake. Every gram of saturated fat may be included on the side of added sugar, subtracting from the overall health profile of the food.

How to handle foods of benefit, that fail the formula as-is? For the fermented tea Kombucha, the probiotics could stand in as a “10” for protein and fiber, i.e. “10 – added sugar >= carbs / 2”. “10” or similar might be the best quantifier for unquantified supplements.

What about foods that fit the formula but do not sit well? Certainly exclude allergens or those things that lower quality of life. Gassy items included! For things that could have negative knock-ons, a “-10” can be added to the formula alongside added sugar (though why knowingly gamble with your livelihood, IDK – you do you).

And of course, if anything is of greater need, adding a multiplier or divider increases the standard of the food equation (e.g. divide carbs by 4 vs 2, multiply protein by 2 if that’s your thing). Tweak the stringency to meet your needs!

Too Much and Cider Rules

Even the best habits of eating (unless it is pure fasting) can fall prey to eating too much. A bonus tenet is that I pick smaller platforms for food (e.g. the smaller bowl, a single plate) and avoid mounding. Food rests as a single layer on a plate, or does not crest the top lip of a bowl.

Whether following the formula or treating myself to something special, apple cider has been a miracle product for dulling my insulin response after dining. I take anywhere from 600 to 1800mg of powdered cider up to 30 minutes before any food or drink (pilled to protect teeth, throat, and better measure intake). I cannot hype it enough: apple cider before meals makes everything better.

Simple equation, excellent health. Leaner, more energized, less stressed, and (TMI) gastrointestinal health is on point, leading I feel to better sleep.

Of course, there is still work to do: How do I handle beneficial products like Kombucha that supplement more than nourish? Am I getting enough carbohydrates into my routine? How does this affect fiber intake and blood glucose levels? What about fruit?

The study goes on!

Please, give all these things a shot in your own life:

  1. Apple Cider Vinegar
  2. Nutrition Ratio
  3. Smaller Surfaces, Flat Piles
  4. Fiber > Fats > Protein > Carbs

Let me know how it goes! I am excited to hear how the nutrition ratio formula and these other tools improve your life. Cheers to quality food, quality living, quality results!

Eight Dates Essential to You and Yours

The book Eight Dates by the Gottman’s (of the famous Gottman Institute) applies years of science from their world-renown work on relationships. In a few brief chapters, the book goes in depth with an actionable eight dates and more covering essential topics of how to relate to you and your relationships.

I add this quick read-of-a-book to the shelf alongside If You’re In My Office, It’s Already Too Late and How Not to Die Alone and the work of Esther Perel. While though it is a short read, the pages overflow with useful tidbits that, frankly, IDK how to include the bulk of here 🤷‍♂️

But by-heck I am going to try!

Below are a collection of notes that stood out to me. Each date has specific setup and homework to do beforehand, with questions to follow while in the midst of the date (excluding all the Qs and prep here – go to the book!). I will interject my own commentary, so keep eyes peeled and clear your calendar for Eight Dates:

Date 0: Warming Up and How to Communicate

Not really a date yet incredibly important: putting in the work to be ready to have hard conversations, and being mindful of the skills to go deep.

First, is there ingrained contempt that will kill the relationship? Do you speak positively or negatively of your time together? About the other’s characteristics? How do you downplay the negatives? If mired in contempt, it might be better to see a divorce lawyer than make these dates.

That said, how you can keep contempt at bay is to interject warmth, humor, and affection into even difficult conversations. Emphasize the good times! Compliment the other! Use “we” generously! By choosing better language, we become more energetic, enthusiastic, and mindful of the time spent together.

These language tactics combine with how to approach different topics: be devoted vs doubtful, be proud vs ashamed, center on shared values and goals, and, maintain intentions to form and keep traditions of emotional connection. That is what the dates are all about.

Getting the dates that follow onto the calendar, think about intentionality and consistency. A useful device would be beginning a tradition of a special date once a week (say, a minimum of 1 hour but preferably uncapped in the morning, afternoon, or night). Plan the dates, keep the dates – nothing else matters as you and yours are exclusively engaged with each other. While the topics will delve into uncomfortable, unfamiliar spheres, STAY DECENTLY SOBER THROUGHOUT.

As the conversations get rockin’, voice feelings as they arise and explain how and why those feels arose. This requires some hefty introspection and honesty with yourself.

To stoke the convos, ask open-ended Qs. The exploratory statements about emotions, situations, and answers will uncover the most between you and yours. “Tell me…” or just “I hear you – go on” encourages further engagement. Yet always keep in mind that no matter the ask of you or the answer from them, you will be tolerant, you will be empathetic, and you will be understanding.

Enough study. Time for the tests:

Date 1: Trust and Commitment

Where is the “us?”

It might begin by committing to confide not in others about the “us,” to trust that the two – you and yours – are able to explore and resolve the hurdles set in your mutual path.

Further, NEVER compare negatively a partner with real or imagined hypothetical people. You should already have done the review of “is this person worth my effort and attention.” If you can take pride in surviving this far in the relationship, you can commit to keeping the relationship binary as it comes to consultation. No former lovers, no current lusts, no jobs, no recreations, no kids – this is a relationship for you and yours only (more on this below).

(Side note: All the above came from reading the book until July 8th ’23; the following commences on October 1st.)

Date 2: Addressing Conflict

How will you and yours fight? And more importantly, how will you repair?

Eight Dates outlines 25 points of difference in lifestyle and character that typically become abrasive over time in relationships. These ought be accommodated, mediated, or brought up on this date.

To choose which of the 25 hard points to talk about pick 3 to 5 (I say 4 to 7 since that is a psychologically more significant) that seem most important to you (your companion on the date doing the same). Discuss these, using the tactics in the book to move closer together (literally and figuratively, such as holding hands) while perhaps being opposed in view.

The chapter offers four steps to repair from the conflicts brought up in this conflict or that have been chronic between you and those you care for.

Date 3: Sex and Intimacy

To begin with, understand that there is no normal to sex, intimacy, the intensity thereof, or the frequency. 32% of couples have sex 2-3 times a week, 48% a few times a month. You are likely doing just fine (and performance anxiety is a performance killer).

Rather, focus on the quality of the connection made when you can make it.

What sexy lovers do:

  • Say and mean “I Love you” daily;
  • Surprise your amour with romantic gifts;
  • Rain down genuine, objective compliments often;
  • Take romantic vacations;
  • Deliver back rubs;
  • PDA;
  • Kiss passionately for no reason (there being an 85% correlation of happy sex and passionate kissing);
  • Cuddle daily (only 6% of non-cuddlers have self-reported quality sex);
  • Dedicated weekly romantic dates (make it an event / special occasion);
  • Prioritize sex;
  • Talk about sex easily anywhere;
  • Have game (be open to variety within safety and reason);
  • Be responsive to bids for emotional connection.

When discussing sex, other than past trauma and outright harm, talk only of what you like in sex (just like in Date 0, talking only of the benefits of your partner). Often and early talks and reviews after the fact lead to better sex and intimacy.

In hetero cisgender norms (a limitation of the studies acknowledged by the book as the science is just not conducted yet), men require sex to have emotional connection, women require emotional connection to have sex. Chicken and the egg at its finest, so meet at the border of where you know your partner is expecting you to be, tagging along in their orbit for at least a bit.

It takes a lot of work to be emotionally vulnerable and physically exposed for intimacy. On top of that, expect only a universal (non-sex specific) 75% acceptance rate to intimate / sexual propositions. However you view this, shoot your shot and know that neither you nor yours will be 100% all the time.

Regardless of the acceptance rate, focus less on sex and more on kissing. Kissing is the glue for togetherness. Kiss a lot and kiss deeply. Kiss for awhile (6 seconds and more).

And between all the quality sex and passionate kissing, do not wait to communicate your appreciation for their work in the relationship, their looks, and their fundamental ‘feel.’ (Comes back to my maxim of “do not wait to share appreciation, apprehension, affection, or apologies.”)

No matter what comes up in this date, other than the acceptance and non-judgement you bring, there is one more stat that the best relationships shared. At best, if you and yours are aligned with little conflict, maintain a 1:20 negative-to-positive ratio about these domestic issues. Note that for high-conflict subjects, I have heard a 1:3-9 exclusive ratio is required to not make things seem dismal nor too easy / for granted.

Date 4: Work and Money

Money is the single best predictor of divorce. (Followed by sex, in-law family, chemical dependence aka addiction, and parenting.)

Some try to pigeonhole people as “saves” and “spenders” – this is a regressive sentiment. Instead, people are a mix and a mix in different contexts. To try to be as general as possible, a wider view of ‘value in the relationship’ needs to be considered.

For those that worship money (everyone does to varying degrees), “no one ever wishes to have spent more time in office.” Saving as a form of accomplishment only goes so far when the time working then impacts time that would go into the relationship or the selfcare that makes us equipped to show up 100% to our relationships.

Continuing on that idea, unpaid work is a conflict in the relationship, whether it is the day job, recreation various, or chores at home. Spending attention and effort – all costing time and energy – introduces a third party into the relationship between two. This violates the pledge of Date 1: faithfulness to the other > sex > chores > anything else.

Speaking of chores, split them as best you can equally (unless this is decided to be one partner’s value proposition to the relationship, where they are performant on domestic tasks so take on more of this role). Consistently, equal division of domesticity is ~17-18 hours a week per person. (I spend ~14 hours on myself.)

During Date 4, discuss priorities. Yours? Your partner’s? To the “us” (from a shared list of values)?

What does money mean to you and why? Save extra, or spend on experiences during a windfall? How do you both contribute value (paid and unpaid) to the relationship? How will y’all live below your means?

Date 5: Family

Family is a fluid and nebulous term. Discuss this in concretions, even if they are daydreams of what (and with whom) this looks like. Consider friends, pets, bio-relatives, children, and more.

Especially talk about children. No children vs. wanting some is a deal breaker; some vs. many is too.

Be mindful that the more money parents earn the more expensive it will be to raise a child from pregnancy to 17 (e.g. if for me in 2015 the result would be $407820 over that 18-ish year timespan.)

Further, ~67% of partnerships suffer a drastic decline in happiness until the first child leaves home; the decline compounds in harshness again for each child born after the first.

Despite these very real downsides, do this to save your relationship: DO NOT LET THE CHILD COME AT THE COST OF YOUR PARTNER; choose the partner above all.

Back to first principles: commit to your partner. There is nothing better for a child than to have strongly-bonded (and healthily bonded) parents.

Nothing of a family is easy. Mitigate the pains by doing a few simple-sounding things when adding others to the family picture:

  • The masculine partner respects and values the opinions of the feminine partner;
  • Stay mutually involved in the onboarding process (e.g. pregnancy);
  • Maintain low conflict, healthy conflict management, and the prior level of intimacy before the ‘other’ became involved.

Again, avoid all criticism, contempt, withdrawing, shutting up and shutting down, and defensiveness here. While all the dates can touch on sensitive topics, family can be one of the touchiest.

Sometimes a change of plans might be required (e.g. the want for children grows in a partner previously committed to no children; an unexpected pregnancy arrives; a parent requires some sort of at-home care) – people (and relationships) change constantly if in good working order. I would suggest the answer to handling a course change as this: stand by the prior commitments of the partnership until either the crisis or a cooling-off period is had. Anything else is impulsive, a broken word – harken to the first date, Trust is paramount – and such terms also apply to a partner who would not come back to the discussion, ie negotiating table.

Date 6: Fun and Adventure

Play, laugh, and make a game of life together to be happier.

As Samwise Gamgee put it, “share the load” as it comes to chores and fun.

Find and regularly do a shared activity. Just a suggestion: Scary things done together are bonding opportunities. Really, anything challenging spikes the feel-good chemicals!

If a partner is turning to drugs or food or porn or other solo activities (mind, these are OK if shared in pictures and story and anticipation with the other partner), this might be symptomatic of a lack of bonding hormones in the brain. Go play and do something risky and new together to help reset the balance. Keep handy that any addiction diminishing the relationship is a candidate for professional intervention.

In contracts to play, a lack of it is not work, but depression. If lacking play, schedule it in as a priority and incorporate it even into work and chore done together. Life is short and limited; your joy with another does not have to be.

Date 7: Growth and Spirituality

Out of every other date, religion is least likely to break the relationship. Shared interests are more important (i.e. talk about ’em), sexy times (enjoy ’em), and share chores (do ’em).

This does not diminish divinity’s role for you and yours. Sacred (however you term it) relationships are happier and last longer. Sacred sex is done more often, is reported to be better, and last longer with lingering positive effects.

To bless the time you and yours share, create rituals. Weekly dates, coming together, parting, being sick, and more are all candidates to hold in reverence. Talk these things through; if afraid or disquieted on how yourself or your partner perceives the world, tell the partner your concerns rather than ask them to stop their explanations or explorations of themselves or your message.

Date 8: Dreams

Think of an optimal future for yourself, the “us,” and how to support the other’s dream. Share these dreams. Explore the deepest dreams that first arose in childhood and the new ones inspired now in adulthood.

After sharing, take turns in pursuing dreams so as to better maintain the relationship by limiting the sacrifice present at any one time. This only works if you do not belittle each other’s dreams; yet, feel free to investigate and ask after these fancies. In the meantime, ignore impracticalities (but give care for anything outright harmful).

The book has a list of dreams to consider bringing up on this date. I especially like the exercise that helps rediscover dreams that may have been buried, lost, or dulled by the weathering of life’s incessant march and chaff.

Extra Bits in the Book

Those are the dates! But that’s not all – open-ended questions, the bonus compliment date, and more are appended to the back of the book. I especially like the “what is your existential loop, your would-do-forever Groundhog Day” Q.

See? I said there would be more content than you could shake a stick at. Guess you will have to read the book to grok it all!

2500 words and more than two hours in, this post was long in coming. Yet so short it is compared to the story of the life you and yours have shared and will continue to share, perhaps with a little edge gained by the Gottmans’ Eight Dates.

(I know I will be keeping John and Julie G’s work in my back pocket!)

If you have been together for even a little bit, what would you accredit to maintaining the connection? If you are looking for a connection, what seems to be the missing piece? I am here to listen – regardless, you know I now suggest following the eight dates that set out what is essential to the happiness and understanding of you and yours ❤ Cheers ~

The Best Oracle for Your RPG Is…

The Magic 8 Ball.

Familiar to most, the Magic 8 Ball is a classic oracle. It answers your questions with 20 different responses of varying levels of affirmation, negation, and equivocal ‘IDK.’

It is game and genre agnostic. The online tool is free, accessible anywhere, and one button click delivers new answers. There exists a physical ball it a tactile experience is sought for.

What Is an Oracle?

An oracle – in game-playing terms – is a system to generate answers to questions, develop situations, and provide both context and conflict to play. Oracles are great for people playing games solo or groups roleplaying without a Game Moderator (GM, aka DM).

There are online forms and long discussions and books for sale that are meant to stand in as oracles. Pages and pages. But while the question-and-answer system is superfluous to the Magic 8 Ball for anyone with experience asking pointed questions in a creative context, these other oracles have some nifty charts and tables. There are simple additions for that too:

Filling the Gap: What Happens

Getting the simple one out of the way first: determining what a fictional character finds is easily found out by rolling a D6 for the number of times, then on any table of items common to the setting.

A quick googling of “loot table” or “item list <your genre or favorite RPG>” gives more lists than can ever be used – pick one or switch them up every game session or such. Further, if using the oracle on a particular game or system, you might already have the items in the game rules (which are often given out for free!).

Some examples of simple loot lists include my As Above, So Below and Gunslinger in The West one-/two-page RPGs.

Loot tends to come after an encounter – either bought from stores or pilfered from combat. To find out if there is an encounter, roll a D6 – on a 1, encounter!

Roll once every time of day (morning, afternoon, evening, night), once per quarter of the map when traveling (i.e. there would be more encounters in a dense city vs. a global overland map), per round of combat, and / or after combat. When traveling fast, using a combustion engine, or being especially loud (e.g. gunfire in a quiet neighborhood, shouting in the woods), a roll of 1 or 2 ought be considered for encounters (or 3 and more if using explosives or jet turbines).

For when company comes calling, I encourage the 2D6 table of encounters, a different table created for each area or faction (used in areas populated by the faction), or a generalized list for any moment of any game. An example of those is well-covered in this wilderness guide and this magical fantasy fill-in article. (I will include my own used in the recent month of TTRPG play!)

A little extra flair is to add a reaction system to those encounters met (friendly, ‘meh,’ eager to do ill!)

Bonus: The Hazard System

Encounters are cool, yes, but what about other things happening in the world?

Questing Beast has put together a lovely D6 tool called the Hazard System. Go check out the link and in a cinch, roll to change the world anytime you would roll encounters:

6Benefit / Breather
(Something Lucky)
5Rest / Extra Time Taken / Trap / Impasse
(Extra Effort Required to Progress)
4Expiration / Time Passes
(Batteries Go Out, Clock Advance)
3Changes in Weather / Place
(Fog, Precipitation, Vegetation, Etc.)
2Clue / Foretelling
(Lead, Advantage, Hear ’em Comin’)
1More Bad Stuff Happens
(Encounters! Escalation!)
General Hazard System*
* I would rearrange as follows to better accommodate levels of danger affecting the result:
6 Benefit 5 Clue 4 Place 3 Expiration 2 Rest 1 Bad

A Magic 8 Ball as oracle! Readily available loot tables, a simple 2D6 encounter list, and a world-morphing Hazard System are all a person needs to navigate their adventures.

You can see how these tables-on-tables can explode – easy to understand why there are libraries of content trying to fill the niche of oracle in gameplay! Yet this at-max two-page spread of guidance is all that is required for full, engaging play. (In fact, that sounds like a future blog post!)

How do you make decisions in your tabletop games when a GM is not there to provide the context and conflict? What is missing from the toolset above?

I want to know your techniques! Hit me up in the comments, subscribe, and cheers through next week and the next post ~

BITS – The Force of Law

More for me than thee, I have concocted a go-to reference list of law-enforcement “units” for roleplaying games, specifically tiered to the BITS system.

While leaning more heavily into cyber-punk or grimdark futures like 1984, Fahrenheit 415, and Warhammer 40K – all woefully dystopian – there are modern equivalents and by replacing revolvers with crossbows pivots this tool becomes genre agnostic.

Follow along as I also tie each tier into the OODA Loop:

  1. Tier 1 – The “Gestasi” / “Stastapo” Regulars
  2. Tier 2 – The “Response” Adepts
  3. Tier 3 – The “Agent” Heavies
  4. Tier 4 – The “Justice” Elites
  5. Tier 6 – The “Letter” Champions

Tier 1 – The “Gestasi” / “Stastapo” Regulars

Observe, and report on what is happening.

Thought police, street spies, handlers of Spider-Hound robots (direct inspiration from Fahrenheit 415), general drone operators, deputized civilians, the mall security guard.

Not useful for much, but capable of causing trouble if not dealt with. More than likely to stab their target in the back or retreat if they know what is good for them! Good for supporting whatever “policy” needs enforcement. Bootlickers.

Tier 2 – The “Response” Adepts

Orient, contain and manage whatever “is” in the moment.

“Firemen” (I like to think armed with both flame throwers and water cannons, saws, and axes), inquisitors (who would have expected!), riot control, medics (for sedation and interrogation), well trained police, and general “influencers” of civilian action.

Here to deal with whatever is actively escalating in the streets. Meant to be first on site.

Tier 3 – The “Agent” Heavies

Decide, as this tier works with the information and situational awareness provided by the earlier tiers.

The “Mister” and “Miss” people in suits and sunglasses, on-the-ground tactical commanders, SWAT and public security military enforcement (such as the armored “wolves” from The Wolf Brigade).

The true enforcement of “policy.” Equipped and capable of fighting a war in the streets. Or striking so thoroughly that war was never an option.

Tier 4 – The “Justice” Elites

Act, and execute “policy” ruthlessly.

Justices (carbon copies of Judges from Judge Dredd), “peacekeeper” Robocops, zealous paladins, and any nearly super-powered onsite executors of the Law. Eat, breath, and live the ideals of policy.

Why have a court system when sentencing can be made at the scene? Why have prisons or cells if the punishment can be dished out by a singular =beast= of policy? A bona fide keeper of the peace by giving the pain.

Tier 6 – The “Letter” Champions

OODA, they do it all. Less outright enforcers of policy, but makers by their influence and action. They are the letter of the Law.

A list of singular individuals and their inspirations:

InspectorAn “Inspector Gadget;” full of surprises to get to the truth.
The Darkest KnightBatman; vigilante justice that stalks the streets.
“Sheep Herder” Rachel DeckBlade Runner; investigates digital and robotic crimes.
“Lucky” Harry EastA Clint Eastwood ‘punk.’ Relentless.
Bruce ClaneA Die Hard hero; a reluctant servant.
Ranger KorrisChuck Norris; martial-arts extra-urban enforcer.
Mr. DoeMatrix‘s Agent Smith; not surprised to see you.
Sheriff Jim GoeJames Gordon from Batman;
makes backroom deals for high ideals.
Who (And What) Else Is Missing?

Fit for any Big Brother dystopia, I like this list being a quick lookup that I (and now you!) can reference any time!

Think I will make more of these, stop reinventing the wheel when brainstorming game design problems. What do you think I should make a list of next?

Regardless, cheers to you and I staying out of the eye of the Law ~