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It's all about the links today. Starting with two brothers talking about punctuality. It's cool.

1. On Punctuality (John Greene) - "Who could be opposed to punctuality? E.B. White, as it turns out."

Not just about punctuality, but about good traits in general. It's interesting to look at my most favorite good personal traits and see if I think I might be going overboard with them. (No. I may be more extreme than average, but I'm happy with where I am. And I think those around me are also fine with where I am.)


2. How to Stop Being Late Forever (advice for myself and other chronically late people) (Hank Greene, looking way more out of it than usual) - "If it's gonna take six minutes to get somewhere, I need to be driving out of the driveway with six minutes left. Not standing up from my desk to go find my computer and wonder where my keys are and then kiss my baby goodbye so that I get in the car and the meeting has already started."

I also love his epiphany that showing up someplace early is not necessarily a waste of time because "something interesting and useful" might happen at that place, just like it might happen at home.

Article of the Day - Hamilton Nolan's Oh Damn, 401(k)s Aren't Magic - It's been shown that defaulting to making contributions to a 401K tends to increase retirement savings. Unfortunately, "it turns out that when you make people who don’t earn a lot of excess money put money away, they just take out more debt!" And "[t]his debt more than offsets the extra $3,237 the auto-enrolled employees contributed to the plan, including the employer match." Including the employer match! (Crying, now.) The problem is that poor people don't have access to cheap credit. Basically, the magic of putting money into savings before you see it only works when you are making more than a living wage.

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