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Yucatan Report

Delayed report due to unexpected circumstances.

After my first trip to Mexico was a disaster of unbelievable proportions, I finally returned to our southern cousin after 8 long years for a vacation! I flew into Cancun on Monday and then slowly made my way down the Yucatan peninsula (Puerto Morelos -> Playa de Carmen -> Tulum) and then flew out of Tulum on Sunday.

  • Price differentials are weird here. On one hand, it’s easy to find very high quality accommodation for 50 USD / night. On the other hand, the “typical” trip to Cancun/Tulum features stays at 500 – 1k / night hotels. Since I know that a lot of you seriously question my own judgement on this matter, my standard for “very high quality” is whether I would feel happy taking [redacted] there, which was ironically inversely correlated with the price of the place I stayed in this particular trip. I didn’t stay at any of the high end ones this time (bad planning strikes again! Would have if I had my act together!), but I did visit Casa Malca (an old home of Pablo Escobar) for a day on recommendation of a recruiter at Anthropic. And wow, now I kind of the allure of this kind of life. Walk out of your room and go to a really nice beach. Cold plunges. Excellent food and drinks. Clean restrooms. Guests and staff are all very attractive and immaculately dressed. One could do worse than read “Journey to the West” while sipping on margs by the ocean all day.
  • I can’t actually tell what the proper pricing is. Here’s an example. I ate at a taco place with a sign which offered 60 MXN (3 USD) for 5 tacos. I read this as 60 MXN / taco if you buy 5 tacos and decided to order their whole menu to try everything. The waitress didn’t really understand me, but came back to me and gestured enough at the menu that I eventually understood that I had actually ordered like 20 tacos and that I should probably reconsider. But before you make fun of me too hard, right before I stopped at this taco place, I wandered into an area that was clearly designed for westerners that charged 25 USD per meal. I was so hungry that I almost ate there but then figured that Tulum was probably not the best place for Thai or Japanese food. So then I walked about 50 feet and literally — I mean literally — turned the corner and came to this taco place which didn’t have anyone on staff who speaks English and charged like 10x less. Also I ended up eating 14 tacos and then taking another 3 to go, so maybe 20 tacos wouldn’t have been so bad after all. Oops.
  • Bring cash, ideally from your bank in the US. A lot of places don’t accept credit card and the ones that do will upcharge you 5-10%. The internet is extremely spotty, so a lot of the times the credit card machines can’t connect to wifi. ATMs rip you off to an insane degree. My favorite memory of this was going to a hotel, in which their pesos ATM was broken (accidental I’m sure), so you had to first withdraw USD and then convert it. I paid a huge ATM fee, then a huge conversion fee to go from pesos -> USD (despite the fact that my account is in USD), and then another huge conversion fee to go from USD -> pesos. All told, I think I lost like 1/3 of the money in the process. Oops.
  • Unlike my Europe trek, in which no plan was absolutely the best plan, Mexico probably could have used a little bit of planning. So one example of this is that my first hotel was actually 30 minutes south of Cancun (I didn’t look at the geography very carefully before booking). This wouldn’t even have mattered except that I also didn’t think of the idea of just heading south until after I arrived. This basically meant that my Yucatan trip technically did not include “Cancun”, or even the hotel zone of “Cancun” which is not all that close to the actual city (but really close to the airport!). Oops.
  • I didn’t like the food very much. [redacted] tells me this is a “skill issue” and she’s almost certainly right. That being said, the al pastor tacos at the taco stand were really not that good — much worse than the Mexican food truck right outside my apartment. And this isn’t a quirk of memory. I ate an Al Pastor burrito as I (originally) wrote this piece. The best Chinese restaurants will often have very low reviews on Yelp, mostly given by non-Chinese clientele who way that “it’s worse than Panda Express” (this is actually a quote from a Yelp review at one of my favorite restaurants, which is only rated 3 stars). But for Mexican food? I’m the gringo this time. It’s me. Hi. I’m the problem, it’s me. 
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Gigolo

They say that the music you like says a lot about you as a person. For example, my twenty-three year old brother likes peaceful piano ballads while my eight-year-old sister prefers heavy death metal.

When I was a child, my father bought himself the newly released iPhone 1 and handed down his old iPod to me. It only had a few songs on it, so I got quite familiar with what is now called listening on repeat. But they were good songs — worth listening to repeatedly!

A haunting cover of “Star of the County Down” sung by an artist I cannot remember and have never heard again. Classics like 1234 by Feist, 500 miles by the Hooters, or Another Brick In the Wall (Pt. 2) by Pink Floyd. To this day I still haven’t heard Pt. 1.

But my favorite song was Gigolo by Nick Cannon.

You see, these were the days before I had free use of a computer and when navigating a dictionary required a fine-grained understanding of binary search, which I did not yet have. So it took me a decade before I eventually found out that the word gigolo actually meant: male prostitute. I suppose, like many things in my life, it was partially prophetic. But honestly, I consider myself quite fortunate to have survived childhood relatively unscathed honestly. For a kid that grew up singing “I’m a gigolo—spending lots of dough,” it really could have gone another way.

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What is My Interest Rate on Time?

Say you have a positive interest rate on time if you believe future hours are worth more than present ones. Thus, your implied policy is to save and invest as much as possible, just like it is for money. Conversely, a negative interest rate suggests a policy of borrowing future hours to spend now.

In college I had a well meaning but mistaken aversion towards borrowing money [1]. I regret that — ironically, it ended up costing me a lot, both financially and otherwise. At the time, I was terrified of burdening my future self with severe debt and, while this was not the craziest idea that has ever crossed my mind (on average I still believe people don’t care enough about their future selves), in retrospect I wish I had understood that future me was much more capable of making money and it would have been much more efficient to just delegate the task of eliminating debt to post-college [memorymancer]. Nevertheless, what is done is done.

The question of monetary interest rates is roughly a solved problem: currently around 3% for people like you and me. If your personal interest (on money) is lower than that, invest. If you think it’s higher, borrow! Determining the proper interest rate on time is harder, however. We’ll examine two case studies to help us make our decision.

The Hoarder After all, the only real goal in life is to maximize your total peak wealth. For the majority of his life, the hoarder’s income will be increasing—and not by accident either. Whether it’s bootlicking his boss to fight for that promotion or committing time theft to grow his own side e-commerce business, every action he takes is towards that singular goal of making at least 10% more every year than he did last year. His interest rate on time is positive, and very high: every hour in the future is literally more valuable than one in the present. He’ll figure out how to spend it all after he’s filthy rich.

The Hedonist There are those who slave away at desk jobs, wasting their youth on dreams that one day they will be able to live the good life. The hedonist snubs her nose at these fools. Why wait until you are retired to have fun? At that point, you will be too old, jaded, and crippled to fully enjoy the heights of pleasure that come with orgiastic sex, all day all night drunken ragers, climbing mountains without a rope, and other near death experiences. Her interest rate on time is extremely negative. Marinetti and his fascist friends were were right, life isn’t worth living after you turn 65. Putting money into a 401K is worse than literally burning it. With fire, you at least get to see some pretty flames. The old all say that youth is wasted on the young, but she’s determined to prove them wrong.


The trigger for this article was rather innocuous. I was pondering whether I should make my personal website now or if I should procrastinate until later. Of course, this is a rather simple decision that (I think?) will have minimal impact on my life. But I realized that I don’t have a framework for how to make such decisions when they do matter. And that worried me.

Both of the above profiles satirize their respective groups, but I probably feel more connected to the hoarder than the hedonist? Quite frequently, I turn down opportunities that I would have killed to take even just a short while ago. Nevertheless, there are also important exceptions.

On the career level, I notice that some time periods are far more important than others. For a politician, time spent spent setting up the ultimate campaign (e.g. while governor before shooting for a presidential bid) and on the campaign itself, matters substantially more than the time after leaving office (or for that matter, while actually being in said office). Academics live or die by the single decade that begins roughly near the tail end of their PhD and ends the day they are granted or denied tenure. CEOs know full well that every day well used in a boom cycle is worth ten days during a recession. Silicon Valley likes to sing (possibly empirically false) legends about the college dropout founder.

In my own life, there are critical periods where I need to shed load and borrow as much as I can from the future, even while the interest rates remain mostly positive. Unfortunately, that is almost as close to a non-framework as it gets. Oh well, at least I had a lot of fun writing this piece. If you have any suggestions or thoughts, I’d love to hear them.


[1]: Here’s a fun quirk about the college financial system. You can borrow up to the sticker cost of college regardless of if the money will go to your tuition. Put it another way. You can be on a full ride and the banks will still happily loan you ~65K a year (if you go to Stanford) with the standard student loan provisions (no interest payments while enrolled in school, they stop loaning you money if you drop out / stop going to school for whatever reason, not terribly low interest rates etc.). The money needs to pass through the college financial system, but does not necessarily need to end up there. Though take this with a grain of salt, since I did not actually execute on this offer. It is possible that the Wells Fargo loan officer was lying or otherwise exaggerating to me. Nevertheless, online articles such as this one hint that perhaps he was telling the truth.

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Cold

As someone who spent two decades under the California sun, I was curious to see how I’d hold up in a New England winter. The answer is very well; I actually like the cold.

Perhaps this feeling will fade with time. I can easily imagine myself tiring of monotonous grey skies and numb fingertips, longing instead for a warm sunny day perfect for strolling around in a t-shirt and shorts. But I can also imagine being an old man, when even a slight breeze chills me to my bones, standing in the cold, winter air and laughing that I am still alive.

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Delight

lavender lightning; dijon mustard; the pin tailed whydah; violin plots; an extraordinary dragonfruit; brightly colored socks (mismatched); clicky mechanical keyboards; colorful galaxies far away; a mobius strip; clear, deep, flowing water; Gris; the geometry of Monument Valley; the Wave; a cool breeze and shade on a hundred degree day; lighthearted piano music (fast); my little sister; fluffy sunscreen; well-formed creases; a long stretch of road on foot; firm pillows; wide open spaces; high places with sheer drops; splashes of color; the perfect purple orchid; a baby waterfall

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What’s In a Name?

I once heard that “the historian [is] a necromancer who summons bygone events out of nowhere.” Funny how that always stuck with me after all these years. Had I any real guts in college, I would have studied history, but I feared too much the scorn of others.

So I’m not a necromancer, just a memorymancer. I summon moments from my past and demand they stand judgement. Maybe one day, I’ll be strong enough to summon something more.

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Climb

Middle of 2020 were certainly memorable. Heartbreak. Bedbugs. Starting a new job. Moving to new cities. A raging pandemic and the resulting civil upheaval. Black Lives Matter. Cancel Culture. Trump 2020?

Still. I had a job that I would have been happy with even during normal times. I’m about to live with one of my dearest friends. I have a degree from an elite university and more importantly the full portion of knowledge and power that backs it. My plans took a beating, but they can be mended. I’m tired of feeling bad. Here’s to the second half of 2020. I’m ready to start the climb.

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