In The End, We Are All Life’s Speculators


I don’t worry that much about tomorrow, after all, your future is nothing else but a speculation. I start this reflection in a very sensitive manner, maybe it will touch your inner side, in your intimacy, and that might make you re-think your own life. Individuals grow surrounded with expectations and specific orders they must follow to become “someone” – as society suggests -. I am no talking about character, values, ideologies, beliefs, rules, laws or individual personality, but in following certain chronologic orders predetermined about financial questions.

At first, the word ‘speculator’ touches us in a pejorative way, extremely negative, an initial sense that the speculator subject is only an idiot that didn’t do proper studying – and researching – about how to act on a certain topic. A very irrational subject, anxious, that acts on impulse without analyzing the incoming consequences. Roughly speaking, every speculator human can be seen as a loser that doesn’t have convictions about his own choices, or that is a systemic lazy person.

In this exact moment, I reply this ignorant thinking:

Every human is naturally and mandatorily a speculator.

We are constant speculators in our lives. We are not rational in any point if we consider innumerable questions, emotional, sentimental or financial. Every individual drives its life in an ordered way following its formation origin, but deep inside, we are all surrounded by cyclical or variant events that are uncontrollable that put us in the middle of a chaos we did not foresee.

A random individual plans his wedding with the conviction it is a right and eternal investment – until the end of life – and doesn’t notice it is doing the opposite of certainty. This subject is only speculating about the marital future and he forgets that, for such event to happen in a non-stormy way, infinite external and internal factors will interfere throughout the journey. Changing the example, a young man draws his student destiny based in thousand of information at that point, pricing how stable it will be in the future, even though the future years will be all but certain. This young man is speculating as much about his professional future as the individual the speculates marriage.

There is no rationality and correct justifiable “investment” for a subject that acquires a car considered, by many, extremely qualified regarding low cost of maintenance, or for choosing a well-located property with high appreciation when compared to others. In the end, everyone is speculating about something and investing their own money. The qualified car can simply break or have a factory malfunction. The property can have cracks because of some unexpected event, or have been built with lower quality material, or be surrounded by violent communities dominated by subjects devoid from “human characteristics” – offenders -, you never know. There are only two situations, between thousands, that cause losses to the “rational investor”.

Max Gunther, author of the book The Zurich Axioms, describes with care about how the humans are native speculators, both in the financial markets and during their lives, mainly emphasizing, how the word “investor” transforms all the context located in beautiful green fields, serene, with silky grass from dawn to dusk. Gunther reminds, tirelessly, that we are purely spectators of our futures. The fact an individual being more prosperous than the other, means that one of them had more positive and lucrative speculations than the other throughout their lives. In this analysis, it is determined that both had grown either on environmental and social egalitarian or next conditions.

In the end, we all operate daily with mental and rational assumptions that we are all being cautious and conscious in our choices and looking to reset the internal losses. We act with tremendous conviction from the absolute truth, above all, by the imposition of society or from the context we live on, and because of that, we end up limiting ourselves to the negative risks that are showed to us. Consequences from such acts can be reflected in an eternal uniformity permanence, unchanged by monotony. A shameful personal stagnation.

Schools don’t teach what you need the most: speculation. How to deal with risk and win.”


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