[HN Gopher] What Makes Us Tick? (1952) [video]
       ___________________________________________________________________
        
       What Makes Us Tick? (1952) [video]
        
       Author : dragontamer
       Score  : 82 points
       Date   : 2021-11-22 17:37 UTC (5 hours ago)
        
 (HTM) web link (www.loc.gov)
 (TXT) w3m dump (www.loc.gov)
        
       | whimsicalism wrote:
       | Watching this really drives home how much being a woman in this
       | era must have sucked.
        
         | tantalor wrote:
         | Is eating bonbons on the chaise really so bad?
        
           | gknoy wrote:
           | It looks like you're getting downvoted, but I think it's
           | clear that the woman's perceived role at the time was NOT
           | just eating bonbons.
           | 
           | I think the fact that the cartoon portrays this in comedy and
           | exaggerated form (just as the man's car is comically Too
           | Small, and his "built to last" house's door falls off)
           | underscores that the woman's role was perceived to be
           | _infinite housework_ (rather than, say, coming home from
           | _her_ job). Consider that her "help" includes the man washing
           | a floor. In contrast, the wife (now relaxing) has handled
           | dishes, meal planning + prep, laundry, ironing -- and the
           | appliances there are portrayed as making that all that work
           | take less time.
           | 
           | As someone with all those tools now, I can confirm that I
           | have a hard time even keeping up with what housework I notice
           | needs doing, let alone all the work that my wife does (and
           | arguably should have to do less of). It feels like that
           | implied portrayal of "wife sits at home goofing off all day
           | because machines do all the real work" couldn't be the norm.
        
             | kelseyfrog wrote:
             | > that implied portrayal of "wife sits at home goofing off
             | all day because machines do all the real work" couldn't be
             | the norm.
             | 
             | The history of women's work is a history of unpaid labor.
             | The reality maintenance machinery supporting this is
             | powerful. From devaluing industries which see a change in
             | gender participation, to not classifying certain tasks as
             | labor, the mechanisms of maintenance range from insidious
             | to ridiculous. Understanding what happens if that reality
             | is not maintained is important to understanding why it is
             | maintained.
        
           | moskie wrote:
           | The issue being that it isn't an accurate representation of
           | the lived experiences of women at the time. It is my instead
           | the perceived experiences of women from the perspective of
           | misogynists.
        
             | biofox wrote:
             | Misogynist is a little anachronistic here, given this was
             | the societal norm.
        
       | JohnWhigham wrote:
       | Kind of related: what was it in Hollywood that did away the old
       | time-y presentations like this in animations? The grand
       | orchestral music, the personable-but-still-authoritative male
       | narrator, amazingly well-paced script. Was it Hanna-Barbera and
       | how they commoditized animation?
        
         | dragontamer wrote:
         | The opposite. These presentations were 100% within the
         | propaganda period of the USA. These sorts of cartoons were top-
         | down funded by the US Government for WW2 and eventually, the
         | cold war (well, this cartoon is 1952, well within the Cold War
         | period).
         | 
         | But all of these cartoonists were good at their job _because_
         | of WW2 propaganda cartoons. US Government practically
         | bankrolled Disney (and other cartooning groups) to ensure we
         | had unity throughout the War.
         | 
         | What changed is politics. We're no longer in a World War nor a
         | Cold War... and propaganda techniques such as this cartoon are
         | now frowned upon.
         | 
         | ---------
         | 
         | This is "good propaganda" though. I think our country needs
         | more of it these days. But it'd be a difficult political battle
         | to get people used to propaganda again, especially because
         | there's no communist threat anymore for us to point to.
         | 
         | If we were to ask the US Government to spend $50 million bucks
         | making a similar production cartoon today on a variety of US-
         | subjects (imagine an up-to-date version of this cartoon on the
         | modern Stock Market), can you imagine how many people would be
         | pissed off?
         | 
         | --------
         | 
         | In any case, as US Government propaganda money dried up from
         | the post-war period (1960s), the quality of cartoons dropped
         | down. People still agreed upon the commissioning of educational
         | cartoons for children (ex: School House Rock), but not upon
         | educational cartoons for adults.
         | 
         | > Was it Hanna-Barbera and how they commoditized animation?
         | 
         | Hanna Barbera needed to commoditize animation to save money.
         | With less money flowing into the industry from the post-war
         | period (much less propaganda being made), the quality of
         | cartoons suffered.
        
           | jaypeg25 wrote:
           | The US govt is certainly still involved in propaganda. For
           | example, NASA helped with The Martian.[1] DoD released a
           | game, America's Army, about 20 years ago with a total budget
           | of $32 million over 8 years or so.[2] Also, Pentagon pays
           | about $10-15 million annually just for the various pro-
           | military messaging we see at sports events (salute to
           | veterans, etc).[3] These are just some examples, but there
           | are plenty more.
           | 
           | [1]. https://www.popsci.com/why-nasa-helped-ridley-scott-
           | create-m...
           | 
           | [2]. https://www.wired.com/2009/12/americas-army-budget
           | 
           | [3]. https://www.washingtonpost.com/news/early-
           | lead/wp/2015/11/04...
        
             | dragontamer wrote:
             | Its not quite the same though.
             | 
             | https://en.wikipedia.org/wiki/Walt_Disney%27s_World_War_II_
             | p...
             | 
             | >> During World War II, Disney made films for every branch
             | of the United States Armed Forces and government.[13][14]
             | This was accomplished through the use of animated graphics
             | by means of expediting the intelligent mobilization of
             | servicemen and civilians for the cause of the war. Over 90%
             | of Disney employees were devoted to the production of
             | training and propaganda films for the government.[13]
             | Throughout the duration of the war, Disney produced over
             | 400,000 feet of educational war films, most at cost, which
             | is equal to 68 hours of continuous films. In 1943 alone,
             | 204,000 feet of film was produced.[11]
             | 
             | -------
             | 
             | This is _JUST_ the cartoon propaganda. There's also
             | posters, commercials, movies, documentaries, etc. etc.
             | 
             | We don't do this today because we're no longer at a major
             | war between world powers, and too much propaganda is
             | probably bad for our brains and ability to think for
             | ourselves.
             | 
             | It was a different time that called for different measures.
        
           | lelandfe wrote:
           | Reading about the OWI is a good starting place to learn more
           | about this stuff, by the by: https://en.wikipedia.org/wiki/Un
           | ited_States_Office_of_War_In...
        
           | TheGigaChad wrote:
           | Yes, because 50M is a huge sum. You have youtube content
           | creators making similar cartoons for peanuts.
        
           | CoastalCoder wrote:
           | Thanks, I learned a lot from that post!
           | 
           | One minor quibble (which I don't think diminishes your main
           | point at all):
           | 
           | > We're no longer in a World War nor a Cold War...
           | 
           | I don't think that's 100% correct. My impression is that PRC
           | is waging a cold war against the U.S., but the U.S.
           | government hasn't accepted that yet.
           | 
           | I'm certainly no expert on the matter, though. I'd be very
           | grateful for any correction.
        
             | dragontamer wrote:
             | A big component of the Cold War era was NATO vs Warsaw,
             | which has no modern equivalent.
             | 
             | China is trying to rival us economically, and at best is
             | aiming to maybe increase its sphere of influence out into
             | the Pacific Ocean a bit. But back in the Cold War,
             | Capitalists and Communists were splitting the entire world
             | into two spheres... a communist sphere and a capitalist
             | sphere.
             | 
             | China isn't trying to spread its breed of nationalism
             | across the world. Sure, its picking up African influence
             | and Asian influence, but not quite in the same manner as
             | NATO or Warsaw was picking up influence back then. If the
             | influence is "just" economic influence, I wouldn't really
             | worry too much.
             | 
             | Unfortunately, there's a degree of "hot" war and saber-
             | rattling going on that I find dangerous. Its very different
             | from the Cold War: its entirely focused on Chinese
             | interests and not so much a battle of ideologies around the
             | world.
        
               | CoastalCoder wrote:
               | Thanks, interesting counter-points.
               | 
               | I agree that it's unlike the actual Cold War in several
               | important ways:
               | 
               | - The two sides aren't engaging each other via proxy
               | wars, e.g. Vietnam.
               | 
               | - The two sides haven't formed clear multi-national
               | alliances, i.e. NATO vs. Warsaw.
               | 
               | Things that _do_ strike me as similarities:
               | 
               | - Like the USSR, China's mood appears expansionistic.
               | E.g., South China Sea, Taiwan, and (arguably?) Tibet.
               | 
               | - Like the USSR, Russia also seems expansionstic. E.g.,
               | Georgia and (maybe) Ukraine.
               | 
               | - Maybe less relevant, but China and Russia are to some
               | extent authoritarian (removal of presidential term
               | limits) and seemingly use state-sanctioned violence to
               | suppress political opposition. So as with the Cold War,
               | there's some degree of ideological divide between the two
               | sides.
        
       | a-dub wrote:
       | i've been pondering this notion of fractional shares that has
       | become popular amongst retail brokers recently. i read some news
       | about a stock split and it got me wondering how relevant that is
       | now that shares are essentially divisible down to the penny. the
       | fact that splits exist at all says that it's a knob that is
       | intentionally turned at some point... but what did it do?
       | 
       | does it reduce volatility by requiring a larger outlay to
       | participate? (a sort of requirement to put more skin in the
       | game). if so, does its elimination increase systemic risk? does
       | it mean that every stock becomes a penny stock- subject to
       | unpredictable price moves as a result of cheap speculation?
        
         | vineyardmike wrote:
         | > does it reduce volatility by requiring a larger outlay to
         | participate?
         | 
         | Yes. Absolutely. It also makes it less appealing to retail
         | investors. Eg. Berkshire Hathaway A stock is 431,536.38 at time
         | of writing. Amazon is 3,608.66, Apple is 163.27. Apple is
         | supposedly the most popular consumer-held stock. It also makes
         | it harder to use derivative products. eg. Options require
         | buying/selling 100x shares, so Berkshire Hathaway would
         | literally require millions of dollars for one option contract.
         | That surely impacts trade volume.
         | 
         | > Does [fractional shares] mean that every stock becomes a
         | penny stock- subject to unpredictable price moves as a result
         | of cheap speculation?
         | 
         | Yes and no. Not all companies are available as fractions. Also,
         | the Robinhood investor who is day trading from his phone at
         | work is probably using fractional and driving price movements
         | (eg. GME), but the day trading full time investor class is not
         | using fractional shares nearly as much. A lot of more
         | professional-focused platforms either don't allow fractions (or
         | don't for pro users), or don't make full features available.
         | Eg. IBKR is a common platform for Algo trading and their api
         | doesn't allow fractional shares (but their manual GUI with app
         | allows it).
         | 
         | This is likely due to technical and liquidity reasons as much
         | as pragmatic ones. When a fractional share is available, that
         | basically means the broker owns the shares, and gives you
         | partial ownership. They need to basically own n+1 across their
         | platform for all users (round up). If you're doing large
         | trading volumes, that's impractical to keep up with on their
         | end - especially if you quickly buy a lot and sell back.
         | 
         | > does it mean that every stock becomes a penny stock
         | 
         | Just to repeat, usually brokers only support the most popular
         | stocks as fractional, which already have high volume. This
         | means it may not have a huge impact on the system - but that's
         | just speculation, i don't know if it has had an impact on the
         | stocks like you suggest.
        
           | Kranar wrote:
           | >Yes. Absolutely.
           | 
           | There is no causal relationship between nominal price and
           | volatility. There are correlations between price and
           | volatility, but it's that cheap stocks (such as those below 5
           | dollars) are usually much more volatile than expensive ones.
           | 
           | The same goes for liquidity, there is also no causal
           | relationship between nominal price and liquidity.
           | 
           | You can verify yourself that Berkshire Hathaway's price has
           | no effect whatsoever on either volatility or liquidity, just
           | compare BRK-A which trades at ~300,000 dollars with BRK-B
           | which trades at ~200 dollars:
           | 
           | https://finance.yahoo.com/chart/BRK-B#eyJpbnRlcnZhbCI6IndlZW.
           | ..
           | 
           | As a quant it would be nice of this property didn't hold,
           | would be an easy arbitrage... but alas no such arbitrage
           | opportunity is readily available.
        
             | vineyardmike wrote:
             | > You can verify yourself that Berkshire Hathaway's price
             | has no effect whatsoever on either volatility or liquidity,
             | just compare BRK-A with BRK-B:
             | 
             | I don't think this is a good example, because Brk A/B are
             | clearly related (same company) and so that presents a
             | perfect arbitrage opportunity.
             | 
             | I think a better test would be to compare a single ticker
             | before and after a split.
        
               | a-dub wrote:
               | > I don't think this is a good example, because Brk A/B
               | are clearly related (same company) and so that presents a
               | perfect arbitrage opportunity.
               | 
               | agree. what couples their prices is actually a bit of a
               | mystery to me though, conversions from class a to class b
               | are non-taxable so that keeps class b from mispricing
               | above class a, but i think if you want to go from b to a
               | you have to sell and then buy on the open market which
               | then means that the misprice would have to be greater
               | than any cap gains plus trading costs for an amount equal
               | to one share of class a, which seems like, a lot.
               | 
               | skimming the internet sure makes it sound like splits are
               | associated with increased volatility and reverse splits
               | are associated with decreased volatility, which seems to
               | check out a bit with respect to the idea of increased or
               | decreased minimum bets on the options markets.
        
           | [deleted]
        
       | dragontamer wrote:
       | I'm not sure if the Library of Congress website can survive an
       | influx of hacker-news traffic on their video streaming. So I'll
       | leave a brief summary here.
       | 
       | This 1952 cartoon is a very good explanation of the theory behind
       | the New York Stock Exchange. The first few minutes are a bit of
       | humor to set up Mr. John Q Public who is trying to save up his
       | nest-egg for retirement (roughly the first 3 minutes). This
       | naturally leads him to look into stocks, which the video then
       | explains what stocks are.
       | 
       | The remaining 8 minutes of the 11-minute cartoon then goes into
       | the theory of stocks: how stocks raise money for a business (a
       | hypothetical oil-barrel company). First, a private equity raise
       | with a bank ($3-million), and then later, the company IPOs on the
       | NYSE directly for even more money ($20-million). The numbers are
       | small by modern standards (showing off the last 70 years of
       | inflation), but the concept remains the same: investment banks
       | get earlier rounds of investment... and eventually an IPO on the
       | stock exchanges brings in even more money.
       | 
       | There's also a good segment about what exactly goes on a ticker-
       | tape, who looks at ticker tapes (the various partners of NYSE
       | across the country), who places orders, and what happens on the
       | NYSE floor (how buyers / sellers meet up). Modern computers do
       | the same job and faster: broadcasting the last price sold on the
       | exchange, and automatically matching up buy / sell orders with
       | each other. As such, the ticker-tape analogy with humans is
       | actually a very good mental model for what these computers are
       | doing.
       | 
       | Though many things have changed in the last 70 years, it seems as
       | if the stock market still plays the same role and function today
       | as it did back then.
        
         | vannevar wrote:
         | >Though many things have changed in the last 70 years, it seems
         | as if the stock market still plays the same role and function
         | today as it did back then.
         | 
         | Does it, though? The cartoon (which was probably a little naive
         | even back when it was made) presents a world where corporations
         | have a duty to provide good jobs and to serve the national
         | interest in times of crisis. It describes the stock market as
         | the mechanism for these corporations to raise money for growth
         | and to share their profits with public shareholders. It talks
         | about how carefully the NYSE vets the companies going public,
         | and how a company must have substantial real assets and profits
         | to be considered.
         | 
         | But I would argue that today, the tail is wagging the dog.
         | Capital uses the market as a way to aggregate more capital, and
         | if it happens to provide some money for growth and some of the
         | wealth gets spread around, that's just a happy side effect.
         | Those considerations are secondary to the game. Companies go
         | public now with virtually no assets other than name
         | recognition, and no profit in sight. There are public companies
         | with billion-dollar valuations and less than 200 employees.
         | There is no implicit or explicit expectation of social value, a
         | company is judged solely on its return on capital, a judgment
         | that will always be weighted towards those with the most
         | capital to begin with. The idea that it contributes to the
         | national standard of living, or can provide some value in a
         | national emergency, doesn't enter into the discussion at all.
         | 
         | The cartoon is goofy, but at least it has a notion of civic
         | obligation that no longer exists.
        
           | dragontamer wrote:
           | The point of this cartoon is for the USA to puff out its
           | chest about the benefits of capitalism in the age of the Cold
           | War. Capitalism vs Communism is the underlying theme of this
           | cartoon (though unspoken, we cannot ignore the timeperiod
           | this cartoon was made in).
           | 
           | ------
           | 
           | That being said, the cartoon is correct about the
           | fundamentals of how the stock market works, and its
           | theoretical benefits. I'm sure companies existed back then
           | that were terrible, but we gloss over those facts in
           | propaganda to make the audience feel better about their
           | society.
        
             | vannevar wrote:
             | True, I can't disagree. But I think it's an important point
             | that when the cartoon was made, the people who made it
             | expected that their audience would approve of a message
             | that presumed a civil duty for America's biggest
             | businesses. Whether they actually lived up to that presumed
             | duty, at least they _acknowledged that the duty existed._
             | Today, the average citizen no longer expects any civic
             | obligation from business. In the years since this cartoon
             | was made, they have been trained to accept profit as the
             | only legitimate obligation of business.
        
         | phnofive wrote:
         | What's missing, in my opinion, is share dilution - do initial
         | investors get a say, since they too hope for growth to
         | compensate for the lost proportional ownership?
        
           | Kranar wrote:
           | Depends on the corporation's bylaws, but generally the board
           | of directors issues new shares. Investors get a say in so far
           | as they agree to the bylaws and elect the board.
        
             | phnofive wrote:
             | Appreciate the response! I was referring to the cartoon,
             | though - it's clear why the president/board would want this
             | (capital to expand), but less so why the existing
             | shareholders would (presumably, in context, increased
             | future value or dividends).
        
         | quacked wrote:
         | Portions of it are available on YT:
         | https://www.youtube.com/watch?v=GnJCOof2HJk&t=449s
        
         | froh wrote:
         | Thanks for the summary, which actually made me have a look.
         | 
         | Regarding the Library of Congress website, it seems to me that
         | leverages a well greased global CDN and will serve the video
         | just fine.
        
         | zinekeller wrote:
         | > I'm not sure if the Library of Congress website can survive
         | an influx of hacker-news traffic on their video streaming.
         | 
         | Seems that they use Cloudflare for their video distribution,
         | it'll be fine.
        
         | dr-detroit wrote:
         | Yup. Scam in plain sight.
        
         | RC_ITR wrote:
         | >showing off the last 70 years of inflation
         | 
         | Be careful with this point. Inflation is the value relationship
         | between money and non-money.
         | 
         | Part of the reason companies raise more now is because they are
         | bigger and more profitable, not just because dollars are worth
         | less relative to goods.
         | 
         | For example, Ford went public in 1956 on a market cap of $3bn
         | (one of the largest in the world at that time) on net income of
         | c. $200mn, for a c. 15x P/E ratio.
         | 
         | Today, Ford is worth c. $80bn and its net income is c. $4bn,
         | for a P/E of c. 20x.
         | 
         | The only inflation there is the move from 15x to 20x.
         | 
         | EDIT: and to make this point more clearly, new cars have only
         | inflated 3x since 1956, even thought Ford is 25x larger.
         | https://fred.stlouisfed.org/graph/fredgraph.png?g=JbBS
        
         | folli wrote:
         | So the ticker-tapes (which I only know from old time movies)
         | really reported on every single transaction that occurred
         | within the stock exchange? I assume that's quite a lot of data
         | that was processed, even 70 years ago?
        
           | TedDoesntTalk wrote:
           | > every single transaction that occurred within the stock
           | exchange?
           | 
           | Yes
           | 
           | > I assume that's quite a lot of data that was processed,
           | even 70 years ago?
           | 
           | You can pull up daily trading volumes for back then. I'm sure
           | they were tremendously less than now since there was no HFT
           | and market making was done by human.
           | 
           | EDIT: The New York Stock Exchange in 1954 had the most
           | prosperous year since 1933 with its volume of business
           | totaling 573,374,622 shares. This compared with 354,851,325
           | shares traded in 1953
           | 
           | https://www.nytimes.com/1955/01/01/archives/54-stock-
           | market-...
           | 
           | So I'm 1953, not even 1 million shares per day traded on
           | average.
        
           | [deleted]
        
       | oliv__ wrote:
       | I know they are always a bit naive and overly optimistic but I
       | love these war-era cartoons, commercials and "propaganda" art:
       | the overwhelming belief in America, capitalism and a better
       | future is so contagious, it's like a breath of fresh air in a new
       | spring
        
       | quacked wrote:
       | I hate the stock market almost as much as I respect it as an
       | incredible tool. The further out you can guarantee future rewards
       | in exchange for labor and materials, the more prosperous your
       | society will be, and we've seen that in spades. The Dutch
       | invented the concept of common-stock and became the masters of
       | the sea in no time flat; I wouldn't be surprised if the progress
       | (if that's what you believe it is) of the Europeans in philosophy
       | and government was engaged in a feedback loop with the ability of
       | the "common man" to tie his own fortunes into the engines of
       | commerce, rather than into his own social status.
       | 
       | At the same time, it feels infuriating that in order to afford
       | medicine, clothes, food, shelter, and defense once you're past
       | your working prime you must attach your fortunes to companies
       | that have very little to do with the actual services you require
       | in retirement. Personally, I think that the American middle class
       | has been totally taken hostage by Wall Street via the 401(k) and
       | the IRA; anything that threatens "market performance" (e.g. a
       | series of metrics made up and owned by the market owners)
       | threatens their ability to provide for themselves. In this way,
       | any serious large-scale action that might mend a social ill is
       | off the table if its implementation damages large-scale market
       | performance.
        
         | whimsicalism wrote:
         | One big issue I have with the market - and not one that I
         | really know how to address, is that it seems like it has
         | provided an easy mechanism to launder wealth
         | intergenerationally that was acquired through incredibly unjust
         | means.
         | 
         | Just as a single example, many of the descendants of the
         | merchants who made their wealth off of even something as far
         | back as the Middle Passage [0] or supporting slavery in the US
         | are often in elevated status today (both politically and with
         | wealth). Wealth diffuses with time and transactions, but still
         | - it spreads outwards from social proximity.
         | 
         | [0]: https://en.wikipedia.org/wiki/Middle_Passage
        
           | Kranar wrote:
           | How was the stock market involved in this laundering? At any
           | rate, today's markets are quite rigorously monitored so that
           | the provenance of any single share is reasonably well
           | established.
        
         | AlanSE wrote:
         | > At the same time, it feels infuriating that in order to
         | afford medicine, clothes, food, shelter, and defense once
         | you're past your working prime you must attach your fortunes to
         | companies that have very little to do with the actual services
         | you require in retirement.
         | 
         | This feels like the worst possible argument against public
         | corporations. There's a whole sector of the stock market for
         | health care, and you can easily buy funds that only invest in
         | that. What other services to retirees need? You will be able to
         | find listed companies providing all of those services.
         | 
         | There are some technical imperfections in a basket of equities.
         | If your intention is to exactly hedge living costs, then you
         | would also seek to own bonds from those companies, much of the
         | economy is not public, and so on. There are valid points to be
         | found, I don't think these are what you're concerned about.
         | 
         | In the big picture, owning the means of production is the only
         | game that makes sense. What's the alternative? The best store
         | of value is a collection of things that people are paying for,
         | because that's central to the economic definition of value.
         | Otherwise, everything is gold or bitcoin.
        
           | ff317 wrote:
           | Part of the problem is that most 401Ks have a very limited
           | set of investment options. You get a short menu of choices
           | arbitrated by a clueless HR person at your company and the
           | self-interested financial company that manages the 401K plan:
           | a bunch of standard mutual funds and index funds, some are
           | semi-targeted (e.g. large-cap vs small-cap, whole-market,
           | foreign-vs-domestic, target-date, tech?). If you're lucky,
           | there might be a couple of different bond funds, and maybe a
           | money market option to park cash temporarily. There's not
           | often the flexibility of a regular investment fund (e.g. an
           | etrade account) to go after other specific options or
           | individual stocks and bonds, or especially any kinds of
           | commodities, futures, options, etc.
           | 
           | I get the rationale: it's set up that way so that it's a
           | "safer" investing option, because they're afraid people will
           | make bad choices and lose their 401K balances. But the
           | flipside is you don't get much flexibility in making the
           | wisest or most self-interested investment decisions. The 401K
           | -managing firms love it though, as they get to sell a bunch
           | of funds that are often in-house and have fees, and the real
           | free-market-trading investors like it because the 401Ks put a
           | bunch of very predictably-timed money into predictably-common
           | choices, and they can rely on this to gain a little
           | advantage/arbitrage.
        
             | quacked wrote:
             | Related: https://wtfhappenedin1971.com/
             | 
             | That site gets tossed around like candy and I don't think
             | every graph they throw up is perfectly explainable by their
             | central point, but what the invention of the 401(k) and
             | IRA, both of which were released to the public only after
             | the gold standard had finally been abandoned, _really_ did
             | was to allow wealth managers to pump completely
             | unimaginable quantities of money into abstractions of value
             | that are not actually related with physical wealth that
             | materializes for Americans in the form of skills, a strong
             | manufacturing industry, and robust supply chains. Michael
             | Burry (Big Short guy) notes that the amount of money stored
             | in indexes and funds tracking the S &P 500 are many orders
             | of magnitude larger than the money that actually moves
             | around between the shares of the S&P 500 companies
             | themselves.
        
         | vineyardmike wrote:
         | > it feels infuriating that in order to afford medicine,
         | clothes, food, shelter, and defense once you're past your
         | working prime you must attach your fortunes to companies that
         | have very little to do with the actual services you require in
         | retirement.
         | 
         | This seems like an incredibly weak argument for an incredibly
         | good point. Its crazy that you must attach your fortune to
         | companies that have very little to do with _you_ in general. A
         | wealth manager, or annuity or other similar service (pension)
         | seem like a very reasonable (conceptually) place to attach your
         | wealth - their job is to provide for your retirement. Saying
         | "buy stock market indexes and government debt" seems like a
         | very indirect way to hedge your retirement.
        
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