Radical Personal Finance 1131-Radical Egalitarianism is Destroying Us
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Feb 19, 2026 A sharp take on how people fall into top, middle, and bottom tiers and why one-size-fits-all systems fail the middle 60%. A look at how legal and social changes reshaped marriage, risk, and accountability. Practical ideas for designing support and boundaries tailored to different capability levels.
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People Are Unequally Situated
- People are not all the same and this difference matters for policy and advice.
- Joshua Sheets realized this over time and frames many problems around that truth.
Marriage Example: No-Fault Divorce Shift
- Joshua Sheets recounts how no-fault divorce changed incentives and stability for marriage.
- He argues pre-no-fault law gave individuals confidence: behave virtuously and marriage would likely last.
The 20-60-20 Framework
- Joshua presents a 20-60-20 model: top 20%, middle 60%, bottom 20%.
- The middle 60% are most influenced by outside pressure and are the primary target for effective systems.