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Zero Reward Living

Zero Reward Living is a term I coined a year or so ago when it became obvious that no amount of low reward living will help many people who are totally entrenched in high reward living to the point that every aspect of their lives revolves around FOMO (fear of missing...

Lollapalooza and music in 1991 cost me $2 million

When it comes to zero reward living, I am the example of having blown more in my teens and 20s than most people make in their entire lives.  It wasn't until I was 31, recently separated, and too broke to even afford to turn on electricity that I first encountered zero...

The Savior versus Saver Complex

Part of the patient saver's process involves something similar to what a recovering alcoholic goes through in breaking off relationships with people that cause the addict to reconsider sobriety.   Over the past few years, one thing I've heard outside of the successes...

Zero Reward Lifestyle: Mickey, Male, 25, Intro

Mickey (his actual birth name) needed help because the area he lives in doesn't have a good gig economy but he was ready to change his life now rather than 10 years from now when he would be 35 and end up like some of his neighbors. So he asked for advice.  And my...