and encouragement you need to live a rich and meaningful life now,

while building a plan for financial freedom in 10 years or less.

Today, we're going to start down a pathway that I expect to continue in the coming years,

which is productive and useful charity, productive and useful philanthropy.

Some of the questions that I'm going to discuss and explore

in today's podcast are the questions that are most important to me. And while I don't have a lot

of solutions yet, I'm going to begin by laying out some of the problems. And in this podcast,

I'm going to explain to you why I believe, and I'm deeply convinced that government welfare

programs are not only ineffective, but flat out immoral. I'm going to defend that claim to you

in this podcast. By the time you go away from this, even if you disagree with me, I think you're

going to go away with new insight into things

that you have taken for granted. I'm going to share with you this perspective from some of my

personal experiences and personal stories. But first, let me ask you a question. When you were

in school, did you ever actually understand algebra?

Or did you just memorize a bunch of formulas, plug in the numbers, and hope that you got the right answer, and then as soon as possible after the test, just forget everything.

Same about the same for me. When I work with my children on their math homework, I'm just astonished at the idea that, you know what, I used to get this, but I flat out do not understand this, and I don't recall this, and I don't

have any idea what this is used for. And when you watch your children do exactly the same thing

that you're doing, it makes you think, what's the worth of this? Memorizing procedures that they don't understand, just kind of just

doing random questions. This is a pointless waste of effort. Why should we spend years teaching people

how to do something that they're never going to do and use in the future? Well, there are a couple of answers to that.

One, you might just say, well, let's just do it anyway. Others might say, let's not do it at all.

Or you might say, what if we teach things in a way that people will remember it? And that's what I

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