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You have to have money to make money. Money doesn’t grow on trees. Rich people are greedy. You need to go to school, get good grades, get a college degree so you can get a good paying job. Santa Clause with his big ole fat ass is going to climb down a chimney and deliver gifts and somehow get back up and fly his magnificent sleigh into the sky and repeat a good 7+ billion times in one night.

Philosophies, all taught and don’t be shy, most of the time we believed it especially when we were kids. What happened? We grew up and learned the facts and no longer believe what we once thought of as truth. Why do so many still believe these same, bold faced lies? Why are people today who hold college degrees and advanced degrees working longer hours, with less pay and benefits and have nothing to show for their hard work?

Philosophies..being told if you do A you will get B. If you follow this set course of actions you will get these results. How many people have believed and listened to the philosophy that going to school to get a college degree was going to make them wealthy and well-off? Damn near everybody. Anyone who works as an employee and lives paycheck to paycheck knows this is one of the biggest lies ever told to mankind.

Be a homeowner! Does the average citizen fully realize the true meaning of ‘mortgage’?

Mortgage is a french term that actually means ‘death pledge’. Mort= death, gage=pledge. The term homeowner doesn’t sound so warm and comforting any more now does it? There is honor in working as an employee, don’t get me wrong. We need employees, no question about it but if you take out 6 figures in loans from a corrupt bank it keeps you a slave to that bank for the next 30 to 40 years of your life.

There is a reason banks are always advertising for you to take out a “loan” with them. They know the customer funds the loan check via the promissory note the customer signs. It is used as cash to a bank and to fund the check they cut and give to you. I highly advise the reader to look up any of Thomas Schauf’s books online. All are free and can give you a better understanding of this.

This, too is another philosophy so many people have been taught that keeps them broke. The bank gives up nothing in actual cash value. The customer, who places their autograph on the promissory note funds the check because the note is same as cash to a bank. Did your bank tell you that or have you most of your life just thought they lent you depositors money?

Philosophies, there are many out there and often times we spend our lives believing in these philosophies that lead us down the road we do not want to travel. Start a business. Do something you love. I a friend who owns who builds, designs and installs swimming pools for a living. He loves it. Get away from just working for a paycheck. Uncle Sugar (the government) loves taking a portion of your hard earned income for free. Do something about it. Find what works best for you and seek the truth. It will never steer you the wrong way.

Employee vs Entrepreneur

Employee vs Entrepreneur

Employee vs Entrepreneur

Both require work. You cannot just sit on your rear end and expect to be compensated by choosing to do both. One has far less leverage then the other. Can you guess which one? Who, between the two, is taxed more? The employee or the entrepreneur?

Which of the two choices do you think requires you have to continue to show up somewhere to warm a seat for 8 to 12 hours per day (or more) in order to get paid? Which of the two can one build residual income and actually find the freedom to spend with those they love and still get paid? The first question is answered by stating the employee. The employee carries the heaviest burden, is taxed the highest, has to continue to start over from ground zero each day in order to get paid.

There is no residual income present when working as an employee. Can you invest your hard earned dollars in other assets to generate residual income while working as an employee? Absolutely but in order to get paid and continue to get paid the employee must answer to someone else who tells him or her where to be, what time to be there, when to take a lunch and when they can go home. Find something that is going to add value to another human being. It could be pool deck repair services like my friend Chris. You can check his site out over at How many people around the world have swimming pools? Countless. How many businesses have them such as hotels or water parks? Countless.

Now you are using leverage. A job is ok if you want to work for someone for the rest of your life. It pays the bills but there is no leverage. Find something where you are providing a service but it is a lucrative avenue of approach.

This is the reality for most and for most people this is acceptable. These hard working, often highly educated, diligent men and women are fine with working for someone else and collecting a paycheck every two weeks. The problem is there is no leverage in it. Your time and life is far more precious than any amount of money. If you are an employee someone else sat back and decided…hmmm, we’ll pay this individual set amount of money for his or her time trade.

There are people, like Steve Harvey talks about in the video that is in my $1.4 trillion dollar post, who cut grass for a living. His business is worth $4 million dollars and that is all he does. That is his specialty.

Is your time worth $10 per hour, $1000 per hour? No, your time is priceless and if you work a job trading life for pay it simply means someone else has control over your time. I want to be open about my thoughts here at open policy forum. There are millions of people around the world who feel like this and even those that work jobs they used to love and are slowly waking up to the reality that there is no leverage in a job.

What can one do to get out of the so-called ‘rat race’ we all have heard about? Decide to become a business owner or an entrepreneur. There is less of a chance of losing leverage if you are working for yourself rather than having someone else dictate how you are to spend your day. We all have been taught to go to school, get good grades, get a college degree and get a job. Uncle Sam loves it, the Rockefeller school system perfected this massive psychological trick on the public and countless amounts of people have been duped by it. It is time we start looking at other avenues of generating income other than just working a job somewhere.

$1.4 Trillion In Student Loan Debt?

$1.4 Trillion In Student Loan Debt?

$1.4 Trillion In Student Loan Debt

That is the total amount of student loans college graduates are currently looking at. How absurd is it that we all have been taught that in order to get a great job you must have a college degree and in order to get one you must load yourself down with student loan debt?

Why is it that there are people around the country here in the states and around the world who never finished high school or dropped out of college who are financially stable? How come those that have done what they were told and went on to complete high school or college are struggling financially?

What is going on with the philosophies we have been taught? Are they correct? Are they wrong? Here the policy is always open and I am not interested in the ho-hum, status quo of just buying everything we have been taught as if it is set in stone.

There is a major problem college graduates are facing. Too much debt and not being paid what they are worth. This is the reality of most jobs. You trade your time for a dollar and expect to get ahead. The government takes a cut of your own income before you even see it. This is not my idea of leverage if you ask me. It is modern day slavery albiet a kinder, somewhat more humane version…if you want to call it that.

If we are going to be open about topics that matter we have to be honest with ourselves. Is getting a college degree today still worth it? Can the ordinary employee become financially independent without a degree and why have so many people been taught that it is “the way to go”. You can always start a Vasayo business utilizing a system to generate residual income as an option. Check out

How many college graduates are working jobs today and they don’t even work in an area in which they studied. I recently watched a video of steve harvey that reminded me of what I am writing in this post that I have attached to this post. He states sometimes we have to jump, get out of our comfort zones. The reality is unless we do our parachute will never open as Harvey states in the video.

There are far too many hard working, educated, diligent men and women around the world who were taught a philosophy that keeps them working as debt slaves. We are taught to be home owners, take out that mortgage so you can be a slave to the bank for the next 30 to 40 years despite the fact that you purchased the home yourself the moment you signed the note. This is a very less known reality that bankers know about but the general public, who have been taught that the bank lends them money, have not quite caught on to yet.

Enjoy the video, think about what Mr. Harvey is talking about and see if it does not hit home for you as greatly as it did for me. I have watched this video now at least 20 times and it never gets old. Sooner or later we need to jump. I believe self-education is more important then formal education, far cheaper with far less financial risk and its free.

Welcome To OpenPolicyForum

Welcome To OpenPolicyForum

Hey. James here. Founder of open policy forum.  I have been a long time student of all things education. Having been in school for the majority of my life I wanted to create a website that touches on seeking out knowledge and being open about it.

There is a major problem we have here in the united states. People are afraid to speak up on touchy topics and in order to that there must be an open policy. You hear it in the military where commanders sometimes say I have an ‘open door policy’ which basically means you can come in there and talk out concerns you may have. You are welcome to discuss things that are on your mind.

Here in America, like other places around the world people simply want to be free, to be open to discuss topics that matter to them most and that is what I want there at open policy forum. A place where you can come and get some content that hits home with you. Education matters the most to me because without it you can really stuck like chuck.

Did you know that recently student loan debt surpassed credit card debt? It tops $1.4 trillion dollars and how many college graduates are working for someone else and salaries that do not even remotely come close to what they deserve. These students spent 4 to 5 years in college and took out 5 to 6 figures in student loan debt and they are working as a barista at Starbucks? No disrespect to employees that work there but if you took out that much money in student loans and are barely making minimum wage something is severely wrong in our education system

Are we asking the tough questions and what can be done about it? Did our school system teach us to be entrepreneurs or just how to work for someone else, learn and trade and get a job? I suppose there is nothing wrong with that if you want to work for someone else until you are 65 years old but that isn’t true living to me. Everyone has a gift. You can be like the guys over at who help people with their paving needs. You could be a dentist, lawyer or tradesman but you have to do what you love and enjoy. It can’t be a situation where you have someone else dictating your day or telling you what to do. You have to have control and leverage of your own life.

People here in America are working for less pay, longer hours and less benefits then ever before and what do they have to show for it? To be open, we have to be willing to ask the tough questions and many people are afraid to do that. The company dress code and policy is to keep your mouth shut, do was you are told, wear the clothes you are told to wear, adhere to its policy or face the consequences. Is that freedom?

Let’s be more open about the topics that most are not focusing on. Turn off the television and instead of paying attention to wha Hillary and Donald are bitching and complaining about start focusing on you. What do you want our of life? Would you like more residual income coming in rather than just trading time for a paycheck every damn day. How about some more time with your children or those that you love most? This is where self-education, education that is free comes into play. It doesn’t require you taking out 5 to 6 figures in debt in order to get it. You can find it by opening a book at the local library or searching for it.

If you have a specific topic you would like me to write about feel free to get in contact with me.