What you need to know about retirement planning

Chances are, if you’re a twenty- or thirty-something, and especially if you’re a dude, you’ve given some thought as to what you’d do in the event of a zombie apocalypse. What you’d do, where you’d go, what you’d stockpile, and what kind of ranged weapon you’d specialize in (obviously, melee arms are not the way to go). Don’t be embarrassed. I have a plan too. We all do.

You ask these same people what their plans are for retirement, and most freeze. Many/most have not done any real planning at all. Of those who have, their planning is hazy at best. If they have retirement accounts at all, they’re not sure what those accounts are invested in, what those are, or how they work.

Many, if not most, of my peers and younger have given a lot more thought to the first scenario than the second. This is a well-researched phenomenon that basically boils down to a human aversion to planning for stuff that feels distant, scary and kind of unresolveable. Who knows what the future will look like in 30 or 40 years, after all? Why bother?

I’ve written before about how disastrously unprepared the Boomers are for retirement, and how their penury will likely cause major economic strain for our generation. But here’s my gist for this post: you should plan for retirement. At its most basic level, understanding this stuff is easy. I’m not selling you anything. But unless you have plans to die young, you’re probably going to need this stuff. So do future-you a favor and give this a little thought.

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Taking control of your internet

A while back, I finished Matthew Crawford’s latest book, The World Beyond Your Head, whose subtitle is, unusually, a pretty good summary of his topic: “on becoming an individual in an age of distraction.” (I tweeted some thoughts at the time.) There are an awful lot of books out there on “focus” or eliminating distractions that approach the topic from a sort of techie-hustler Tim Ferriss sort of angle, and this is not one of them. Crawford is both a philosopher and motorcycle mechanic by profession. (Not in a sort of precious way, either – he actually owns and operates a motorcycle repair shop.) I’ve been thinking a lot about this book ever since. In particular, it touches on how I’m working to better master my own attentional resources by taking control of my experience of the internet.

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How-to for new dads

A few days ago, Penny turned 17 months old. Around the two-year mark, people generally stop denominating baby ages in months and start going with years, so it won’t be long now until we’re in that category. That’s pretty wild for me to think about. We’re solidly into life with a toddler now, and I’ve taken some time to think back over the last two years and how we got through it.

I’m the sort of dude who went out and consulted the literature in preparation for Penny’s arrival. What I found was that the genre of “mother-to-be” books is bulging at the seams, and the vast majority of other “how to baby” books are mostly oriented towards women. The “books for new dads” segment is far smaller, very religiously oriented, and much hokier. I found about 75% of it to be more or less useless.

Most of my friends are now in the process of having or raising kids. A close buddy of mine and his wife are now expecting their first in just a couple of months. I wrote up a few practical things that I thought he should know, and then decided – you know what? Lemme just dump this on the internet. Maybe this could be useful to other soon-to-be dads too. So what follows is a bunch of stuff I wish I’d known before Penny graced us with her presence.

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Software engineering as a sign of the future

They say that the future is already here, just unevenly distributed. One area where this adage is manifest is in working arrangements – or, if you like, the organizational technology – in software companies.

At most software companies, there are two business functions that are very commonly staffed with a heavy complement of “remote” employees: sales and engineers. On the sales side, the reason is pretty obvious. Where in-person sales calls are a part of the business, you want sales personnel geographically near the client. On the engineering front, the reasons are a little more interesting.

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Why aren’t there more software engineers?

One perennial area of debate in the tech industry centers around who’s in it (and who’s not). The constant background noise about the supposed scarcity of developer talent has led to any number of new approaches aimed at bringing more skilled candidates online. All manner of “bootcamps,” career-switcher programs and innovative approaches like Lambda School have emerged to meet labor market demand for skilled software developers, with varying levels of success.

A lot of people have wondered why more people, particularly young people just beginning their careers, don’t go into computer science. Dan Wang wrote what is probably the best summary of the common reasons proffered: that CS is hard, it’s unwelcoming to women and minorities, the degree isn’t strictly necessary, etc. These are all true points.

There’s a bigger question at stake, though – are there, in fact, “too few” software engineers? I’m not convinced there actually are. And if you do grant that this is true, then the reasons for it seem clearer from outside the Valley bubble.

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Yes, you should blog

Personal blogs seem to be on the wane today. While blogging now seems like table stakes for every organization, company (especially in tech) or celebrity, fewer and fewer regular ol’ humans seem to bother anymore. I think there are a couple big reasons for this. Among those people who might otherwise think about blogging:

  • They think blogging is hard to do.
  • They don’t see the advantage of blogging over using social media.
  • They simply don’t think they have anything worth saying, or that others would actually want to read.

I’m going to dispatch numbers one and two in a sec, but this blog post is really about rebutting #3, and to say – don’t listen to the cynics. If you have even the slightest inclination, you should blog. About whatever. Blog about unicorns, or growing ghost peppers in your flower box, or about raising a child with autism, or even about your views on politics. (Really!) You should blog because it’s good for you, it is often fun, and dammit, it’s good for the internet.

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The fetishization of “technical”

One of my more controversial opinions on product management is that most PMs do not need to touch code, and in fact, usually shouldn’t.

Obviously, this doesn’t mean that Product Managers can’t use code in common tools of the trade. Testing APIs, running SQL queries and simply understanding how common languages and frameworks work are all important. Rather, when I say “touch code,” what I mean is contributing to the product code base. That is often an antipattern that pulls the PM away from their core job responsibilities.

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The internet as television

One of the biggest generational schisms on the internet today (besides your level of gif game) is your connection to the idea of the “free and open web.”

Anyone in their mid-20s or younger does not remember an internet not utterly dominated by today’s giant digital platforms. After all, the idea of having a full, unencumbered internet experience without ever needing a Google or Facebook account is pretty much inconceivable now. All ecommerce roads eventually lead back to Amazon. All your online activity is tracked and monitored in order to “optimize” your “experience,” which turns out to mean targeting ads to you from the highest bidder. Much of the content you see online is predetermined by an algorithm that shows you what you’re statistically most likely to “engage” with.

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