I'm very fortunate in that I don't have money problems. I have lunch with my wife at home. I don't have to commute, so I have much more time with my family.
Only as we live, think, feel, and work outside the home, do we become humanly developed, civilized, socialized.
Total physical and mental inertia are highly agreeable, much more so than we allow ourselves to imagine. A beach not only permits such inertia but enforces it, thus neatly eliminating all problems of guilt. It is now the only place in our overly active world that does.

