Blogpost, self-reliance

The 99% Trap

Most people can probably relate to this.

In 7th grade, my science teacher was Mr. Baxter. Good guy, decent sense of humor, and a big fan of showing movies in class, at least once a week. The rumor was that he bartended at night and used movie days to catch up on sleep. I never saw him pouring drinks, but I did catch him napping more than once.

One thing I remember clearly: for three tests in a row, I got a 99% in his class. Not bad, right? The missing point was always something minor—usually a misspelling. The first time, I was proud. The second time, a little annoyed. By the third, I was grumbling to friends that Mr. Baxter was being a “stickler” (or maybe something a little more colorful from my 7th grade vocabulary).

On the fourth test, I locked in. I reviewed every answer like it was under a microscope. And finally! I got my 100%. I celebrated with a triumphant “YES!”.

It wasn’t until later that I really took stock of what had happened. That science class was already my best grade. While I was obsessing over a single point in my strongest subject, I wasn’t giving that same energy to the classes where I wasn’t doing as well. I had zoomed in on a tiny problem that didn’t matter all that much and used it to distract myself from bigger ones that did.

It’s funny how that pattern doesn’t always leave us in middle school.

There are times when it feels easier to fixate on something small that’s just outside of our control than to focus on something bigger that’s fully within it. Chasing down that last one percent in a high-performing area can feel noble, like we’re just committed to excellence. But sometimes it’s just a form of avoidance.

We all have those parts of life where we’re already getting a 99%. Absolutely killing it! Trying to eke out the final percent might feel worthwhile, and maybe it is. But it’s worth asking whether that same time and focus would make a bigger difference somewhere else—maybe in a place you’ve been quietly neglecting. The tricky part, of course, is admitting that it’s not going so well. And let’s be honest, it’s easier to pat ourselves on the back for our success than to own up to our blind spots.

That doesn’t mean we stop striving. It just means we take a moment to look at the whole picture. Take pride in what’s going well. Feel good about that 99%. But don’t let that pride stop you from doing the harder, quieter work of being honest about where you’re not doing so great and finding a way to improve.

Go kick ass in as many directions as possible.

Pete

PS Anyone who noticed that the photo is a completely doctored Spanish test with no answers and 99% on the line for the date, you get extra credit! HAHA

Blogpost, self-reliance, SoccerLifeBalance

The Fed Bait and Switch (Soccer Balls)

Before anyone gets their knickers in a twist: no, the Fed isn’t running soccer matches. This is a metaphor. But it’s a helpful one if you’re trying to understand what’s really happening with your money.

Let’s start with soccer balls.

My personal favorites are Wilsons. (I haven’t been paid to say that—yet. Wilson, I’m listening.) They’re durable, reliable, hold air like champs, and play true. But if you swear by Adidas, Puma, Select, or some other brand, great—this still works.

Now imagine a soccer ball hierarchy.
Your go-to favorite is at the top. At the bottom? A ball made out of rolled-up newspaper tied with twine. Technically still a ball…. you can kick it… but it’s barely worth the effort.


⚽️ The Game Changes

You’re mid-match, giving it your all. Suddenly, the ball changes.

It looks similar, but the feel is off. A few minutes later, it changes again. Even worse.

You finally realize: the referee and linesmen are doing the switching. When you ask why, they say it’s to “stimulate play.”

But you also notice the good balls being carried off to another game. One you’re not invited to join.

Now your passes go astray. Your shots come up short. Same effort, worse results.
Frustrating? Absolutely.


💸 Enter: The Fed

This metaphor isn’t perfect, but it’s close enough.

The dollars in your pocket, bank account, or Venmo aren’t being physically swapped—but their value is being downgraded, constantly.

Compared to just a few years ago, your money buys less. That’s inflation.

And the biggest driver? The Fed puts more dollars into circulation. More supply = each dollar is worth less.

Meanwhile, those with more money? They’re not sitting on cash! They’re putting it into assets:
Homes. Stocks. Businesses. Collectibles. Land. Things that tend to rise in price when inflation kicks in.


🏠 Example: The House That Didn’t Really Grow

Let’s say you bought a house in 1980 for $50,000.
In 2025, that house might be worth around $340,000.

Did it become 7x more valuable? Not really. It’s mostly that the dollar became weaker. That price rise is inflation, not improvement.

That’s the bait and switch: the average person holds cash, while the wealthy hold assets. Cash erodes. Assets float.

So while you’re left with a downgraded soccer ball, someone else is playing a premium match with premium gear on a field you can’t get to.


🧠 So What Can You Do?

This post won’t solve everything. I’m not pretending to fix the entire financial system.

But if you’re going to play the game, you need to know the rules.

Now that you’re aware of the quiet switch happening beneath your feet, you can start thinking differently:

  • Learn how money really works.
  • Pay attention to value, not just price.
  • Think in assets, not just cash.

Same effort. Smarter game.

Now’s the time to upgrade your knowledge, decisions and life!

Pete