1. The algorithm. Every third ad Facebook has served me in the last couple of weeks is some variation of “Are you saving enough for retirement?” It’s a fine question and I’m almost laser focused on what I need to do to be able to walk out the door in 14 years and 18 days and never work again, but I promise you I’m not taking financial advice from the place I go to find dirty memes and posts about who got arrested in the area.

2. Timing. I’ve been plugging away for six years, putting a bit of money back here and there to correct the deficiencies in my master bathroom. Every time I got close to hitting my estimated budget number, some other critical project would come along and shave a few thousand dollars off that particular pile of cash. During the Great Plague, I managed to finally hit my number… and of course now the cost of building material has gone through the roof. I’ve gone ahead and put out the call for quotes to a couple of local builders, though. It seems my timing for this project is never going to be good… so the only thing left is to proceed. Doing otherwise feels like an open invitation to wake up one morning after another six years and realizing I’m still schlepping down the hall to take a shower.

3. Extortion. This week, one of the main oil pipelines servicing the east coast of the United States was held hostage. It’s owners reportedly paid $5 million to a vaguely described group of Russian or Eastern European cyber terrorists to regain control of their network. Here’s the thing… the Colonial Pipeline is, by definition, key infrastructure. We’ve seen the news reports of the chaos caused by this brief interruption. Setting aside that much of the panic was entirely self-inflicted by people rushing to fill every container they could find, our enemies have also seen the chaos a service disruption in one of our major pipelines can cause. Paying out millions of dollars was a business decision… but what I want to know is why we’re not now seeing reports of cruise missiles leveling the known and suspected safe harbors from which these and other cyber terrorists operate. If a country or non-state actor blew up a building or bridge, we’d come crashing down on their head like a mailed fist. I don’t make a relevant distinction between those who’d launch a kinetic attack and those who do their damage with keystrokes.