{"id":26717,"date":"2023-04-05T04:15:06","date_gmt":"2023-04-05T11:15:06","guid":{"rendered":"https:\/\/lenpenzo.com\/blog\/?p=26717"},"modified":"2023-04-05T08:23:39","modified_gmt":"2023-04-05T15:23:39","slug":"is-the-5-bill-the-new-1-bill-2","status":"publish","type":"post","link":"https:\/\/lenpenzo.com\/blog\/id26717-is-the-5-bill-the-new-1-bill-2.html","title":{"rendered":"Is the $5 Bill the New $1 Bill?"},"content":{"rendered":"<p><em>From Charles Hugh Smith&#8217;s <a href=\"https:\/\/www.oftwominds.com\/blog.html\" target=\"_blank\" rel=\"noopener\">Of Two Minds<\/a> blog:<\/em><\/p>\n<p><b><a href=\"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2014\/08\/five-dollar-bill.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-26722\" src=\"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2014\/08\/five-dollar-bill.jpg\" alt=\"five dollar bill\" width=\"395\" height=\"520\" srcset=\"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2014\/08\/five-dollar-bill.jpg 380w, https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2014\/08\/five-dollar-bill-228x300.jpg 228w\" sizes=\"auto, (max-width: 395px) 100vw, 395px\" \/><\/a>It&#8217;s starting to feel like a $5 bill is the <i>new $1 bill.<\/i><\/b> Everything that could be purchased with one or two dollars not that long ago is now $5 or even $10. A few days ago I was enjoying the Butte County Fair in California&#8217;s farm belt (the Central Valley), and it seemed like a rural county fair was a price baseline that was far enough away from the urban artifice of $100 meals at fancy bistros to reflect the statistically elusive real-world inflation.<\/p>\n<p><b>Everything was $5, or close to it:<\/b> the carnival rides for kids: $5. The games (ring toss, etc.): $5. Funnel cakes, cotton candy, etc.: $5.<\/p>\n<p>Whatever wasn&#8217;t $5 was $10: pulled pork sandwiches, etc. There was almost no need for $1 bills, except at the admission booth: adults, $8 per day; kids and seniors, $4.<\/p>\n<p><b>So let&#8217;s add up the costs for a family of two adults and two kids.<\/b> Let&#8217;s say the kids each get four rides &#8212; that&#8217;s 4 x $5 = $20 x 2 = $40. Each kid gets two food items: $5 x 2 = $10 x 2 = $20, and gets to play two games: $5 x 2 = $10 x 2 = $20. That&#8217;s $80.<\/p>\n<p>The parents get something to eat and maybe play a game or two: that&#8217;s another $40. The admission fee is $16 for adults and $8 for the kids, $24. Parking is $5.<\/p>\n<p>The family spends about $150 at the county fair for a day. Add an extra kid or a few other purchases and the cost pushes up to $200.<\/p>\n<p><b>This trend of $5 being the minimum purchase price and outings costing $200 is not unique to county fairs.<\/b> Some friends attended a San Francisco Giants baseball game recently. And they were delighted to buy seats online for a discounted price of $64 each. Add in $25 parking (or $20 in BART train fare) and a few $10 cups of beers and $10 hotdogs, and it costs $200 for two people to attend a major-league baseball game (at least in a desirable locale with a winning team).<\/p>\n<p>Now I readily confess to <a href=\"https:\/\/lenpenzo.com\/blog\/id2892-100-words-on-why-frugality-has-its-limits.html\" target=\"_blank\" rel=\"noopener\">being frugal<\/a>. Not making much money for extended periods of time tends to encourage frugality. Frugality is also the only way most of us non-silver-spoon types can accumulate capital (savings) to invest in ourselves and our own enterprises.<\/p>\n<p>Two-hundred dollars seems like a lot of money when I think of what else it can buy. Two-hundred dollars bought all of the gasoline for our 2000-mile camping trip last summer (our 1998 <a href=\"https:\/\/lenpenzo.com\/blog\/id4082-dogs-and-old-cars-why-both-are-worthy-of-being-mans-best-friend.html\" target=\"_blank\" rel=\"noopener\">Honda Civic<\/a> gets 40 miles to the gallon on the highway), and all of the groceries for our household for a month. (We have a garden. We also eat low on the food chain and shop almost exclusively at Costco and ethnic markets.)<\/p>\n<p>Two-hundred dollars will buy a new Skil 77 worm-drive Skilsaw ($149.99). Or a new designer-label suit at a premium outlet. (After being dragged to the outlet by foreign friends awhile back, I bought an excellent Calvin Klein suit for less than $200 that will last decades.)<\/p>\n<p><b>Meanwhile, earned income is declining when measured in purchasing power.<\/b> The median household income in Butte County is about $43,000, and $54,000 nationally.<\/p>\n<p>Courtesy of chartist extraordinaire Doug Short, here is a chart of the changes in median household income since June 2009:<\/p>\n<p><a href=\"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2014\/08\/median-incomes8-14.gif\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-26718\" src=\"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2014\/08\/median-incomes8-14.gif\" alt=\"median-incomes8-14\" width=\"500\" height=\"300\" \/><\/a><\/p>\n<p>How long can households afford $200 outings as their real (adjusted for purchasing power) incomes continue eroding?<\/p>\n<p><b>There are no limits on the cost of government services or government-controlled sectors such as healthcare.<\/b> Our city garbage service fees just jumped from $356 quarterly to $453, a 27% increase. Note to Federal Reserve: 27% is not 2%.<\/p>\n<p>Our monthly healthcare insurance (paid entirely by us, as we&#8217;re self-employed) leaped $300 per month over the past few years, from $900 per month to $1200 per month. These increases add up to thousands of dollars a year. That is not 2% inflation.<\/p>\n<p><b>Clearly, healthcare, government services, events, food purchased away from home and live entertainment are increasingly unaffordable to the bottom 90%.<\/b><\/p>\n<p>***<\/p>\n<p><em>(Note: This article was originally published on 1 September 2014.)<\/em><\/p>\n<p style=\"text-align: right;\"><span style=\"font-size: smaller;\">Photo Credit: The.Comedian<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>From Charles Hugh Smith&#8217;s Of Two Minds blog: It&#8217;s starting to feel like a $5 bill is the new $1 bill. Everything that could be purchased with one or two dollars not that long ago is now $5 or even $10. A few days ago I was enjoying the Butte County Fair in California&#8217;s farm [&hellip;]<\/p>\n","protected":false},"author":39,"featured_media":26723,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mo_disable_npp":"","pmpro_default_level":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[489,467],"tags":[],"class_list":{"0":"post-26717","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-macroeconomics","8":"category-shopping","9":"pmpro-has-access","10":"entry"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.8 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Is the $5 Bill the New $1 Bill?<\/title>\n<meta name=\"description\" content=\"Is the $5 bill the new $1 bill? It sure seems so, as everything that could be bought with a buck or two not too long ago is now $5 or $10.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/lenpenzo.com\/blog\/id26717-is-the-5-bill-the-new-1-bill-2.html\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Is the $5 Bill the New $1 Bill?\" \/>\n<meta property=\"og:description\" content=\"Is the $5 bill the new $1 bill? It sure seems so, as everything that could be bought with a buck or two not too long ago is now $5 or $10.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/lenpenzo.com\/blog\/id26717-is-the-5-bill-the-new-1-bill-2.html\" \/>\n<meta property=\"og:site_name\" content=\"Len Penzo dot Com\" \/>\n<meta property=\"article:publisher\" content=\"http:\/\/www.facebook.com\/LenPenzo\" \/>\n<meta property=\"article:published_time\" content=\"2023-04-05T11:15:06+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-04-05T15:23:39+00:00\" \/>\n<meta property=\"og:image\" content=\"http:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2014\/08\/five-dollar-bill-2.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"500\" \/>\n\t<meta property=\"og:image:height\" content=\"379\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Charles Hugh Smith\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@LenPenzo\" \/>\n<meta name=\"twitter:site\" content=\"@LenPenzo\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Charles Hugh Smith\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id26717-is-the-5-bill-the-new-1-bill-2.html#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id26717-is-the-5-bill-the-new-1-bill-2.html\"},\"author\":{\"name\":\"Charles Hugh Smith\",\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/#\\\/schema\\\/person\\\/14707a261f821a34e3665daf47fb5ec3\"},\"headline\":\"Is the $5 Bill the New $1 Bill?\",\"datePublished\":\"2023-04-05T11:15:06+00:00\",\"dateModified\":\"2023-04-05T15:23:39+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id26717-is-the-5-bill-the-new-1-bill-2.html\"},\"wordCount\":636,\"commentCount\":11,\"publisher\":{\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id26717-is-the-5-bill-the-new-1-bill-2.html#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/wp-content\\\/uploads\\\/2014\\\/08\\\/five-dollar-bill-2.jpg\",\"articleSection\":[\"Macroeconomics\",\"Shopping\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id26717-is-the-5-bill-the-new-1-bill-2.html#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id26717-is-the-5-bill-the-new-1-bill-2.html\",\"url\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id26717-is-the-5-bill-the-new-1-bill-2.html\",\"name\":\"Is the $5 Bill the New $1 Bill?\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id26717-is-the-5-bill-the-new-1-bill-2.html#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id26717-is-the-5-bill-the-new-1-bill-2.html#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/wp-content\\\/uploads\\\/2014\\\/08\\\/five-dollar-bill-2.jpg\",\"datePublished\":\"2023-04-05T11:15:06+00:00\",\"dateModified\":\"2023-04-05T15:23:39+00:00\",\"description\":\"Is the $5 bill the new $1 bill? It sure seems so, as everything that could be bought with a buck or two not too long ago is now $5 or $10.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id26717-is-the-5-bill-the-new-1-bill-2.html#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id26717-is-the-5-bill-the-new-1-bill-2.html\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id26717-is-the-5-bill-the-new-1-bill-2.html#primaryimage\",\"url\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/wp-content\\\/uploads\\\/2014\\\/08\\\/five-dollar-bill-2.jpg\",\"contentUrl\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/wp-content\\\/uploads\\\/2014\\\/08\\\/five-dollar-bill-2.jpg\",\"width\":500,\"height\":379},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id26717-is-the-5-bill-the-new-1-bill-2.html#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/lenpenzo.com\\\/blog\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Is the $5 Bill the New $1 Bill?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/\",\"name\":\"Len Penzo dot Com\",\"description\":\"The offbeat personal finance blog for responsible people.\",\"publisher\":{\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/#organization\",\"name\":\"Len Penzo dot Com\",\"url\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/wp-content\\\/uploads\\\/2022\\\/06\\\/Block_L.png\",\"contentUrl\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/wp-content\\\/uploads\\\/2022\\\/06\\\/Block_L.png\",\"width\":359,\"height\":360,\"caption\":\"Len Penzo dot Com\"},\"image\":{\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"http:\\\/\\\/www.facebook.com\\\/LenPenzo\",\"https:\\\/\\\/x.com\\\/LenPenzo\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/#\\\/schema\\\/person\\\/14707a261f821a34e3665daf47fb5ec3\",\"name\":\"Charles Hugh Smith\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6fd97b79b1e440fb8fb13671dc819d7fab7eb745268bfca684201e103833d8ac?s=96&d=monsterid&r=r\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6fd97b79b1e440fb8fb13671dc819d7fab7eb745268bfca684201e103833d8ac?s=96&d=monsterid&r=r\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6fd97b79b1e440fb8fb13671dc819d7fab7eb745268bfca684201e103833d8ac?s=96&d=monsterid&r=r\",\"caption\":\"Charles Hugh Smith\"},\"sameAs\":[\"http:\\\/\\\/oftwominds.com\"]}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Is the $5 Bill the New $1 Bill?","description":"Is the $5 bill the new $1 bill? It sure seems so, as everything that could be bought with a buck or two not too long ago is now $5 or $10.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/lenpenzo.com\/blog\/id26717-is-the-5-bill-the-new-1-bill-2.html","og_locale":"en_US","og_type":"article","og_title":"Is the $5 Bill the New $1 Bill?","og_description":"Is the $5 bill the new $1 bill? It sure seems so, as everything that could be bought with a buck or two not too long ago is now $5 or $10.","og_url":"https:\/\/lenpenzo.com\/blog\/id26717-is-the-5-bill-the-new-1-bill-2.html","og_site_name":"Len Penzo dot Com","article_publisher":"http:\/\/www.facebook.com\/LenPenzo","article_published_time":"2023-04-05T11:15:06+00:00","article_modified_time":"2023-04-05T15:23:39+00:00","og_image":[{"width":500,"height":379,"url":"http:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2014\/08\/five-dollar-bill-2.jpg","type":"image\/jpeg"}],"author":"Charles Hugh Smith","twitter_card":"summary_large_image","twitter_creator":"@LenPenzo","twitter_site":"@LenPenzo","twitter_misc":{"Written by":"Charles Hugh Smith","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/lenpenzo.com\/blog\/id26717-is-the-5-bill-the-new-1-bill-2.html#article","isPartOf":{"@id":"https:\/\/lenpenzo.com\/blog\/id26717-is-the-5-bill-the-new-1-bill-2.html"},"author":{"name":"Charles Hugh Smith","@id":"https:\/\/lenpenzo.com\/blog\/#\/schema\/person\/14707a261f821a34e3665daf47fb5ec3"},"headline":"Is the $5 Bill the New $1 Bill?","datePublished":"2023-04-05T11:15:06+00:00","dateModified":"2023-04-05T15:23:39+00:00","mainEntityOfPage":{"@id":"https:\/\/lenpenzo.com\/blog\/id26717-is-the-5-bill-the-new-1-bill-2.html"},"wordCount":636,"commentCount":11,"publisher":{"@id":"https:\/\/lenpenzo.com\/blog\/#organization"},"image":{"@id":"https:\/\/lenpenzo.com\/blog\/id26717-is-the-5-bill-the-new-1-bill-2.html#primaryimage"},"thumbnailUrl":"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2014\/08\/five-dollar-bill-2.jpg","articleSection":["Macroeconomics","Shopping"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/lenpenzo.com\/blog\/id26717-is-the-5-bill-the-new-1-bill-2.html#respond"]}]},{"@type":"WebPage","@id":"https:\/\/lenpenzo.com\/blog\/id26717-is-the-5-bill-the-new-1-bill-2.html","url":"https:\/\/lenpenzo.com\/blog\/id26717-is-the-5-bill-the-new-1-bill-2.html","name":"Is the $5 Bill the New $1 Bill?","isPartOf":{"@id":"https:\/\/lenpenzo.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/lenpenzo.com\/blog\/id26717-is-the-5-bill-the-new-1-bill-2.html#primaryimage"},"image":{"@id":"https:\/\/lenpenzo.com\/blog\/id26717-is-the-5-bill-the-new-1-bill-2.html#primaryimage"},"thumbnailUrl":"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2014\/08\/five-dollar-bill-2.jpg","datePublished":"2023-04-05T11:15:06+00:00","dateModified":"2023-04-05T15:23:39+00:00","description":"Is the $5 bill the new $1 bill? It sure seems so, as everything that could be bought with a buck or two not too long ago is now $5 or $10.","breadcrumb":{"@id":"https:\/\/lenpenzo.com\/blog\/id26717-is-the-5-bill-the-new-1-bill-2.html#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/lenpenzo.com\/blog\/id26717-is-the-5-bill-the-new-1-bill-2.html"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/lenpenzo.com\/blog\/id26717-is-the-5-bill-the-new-1-bill-2.html#primaryimage","url":"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2014\/08\/five-dollar-bill-2.jpg","contentUrl":"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2014\/08\/five-dollar-bill-2.jpg","width":500,"height":379},{"@type":"BreadcrumbList","@id":"https:\/\/lenpenzo.com\/blog\/id26717-is-the-5-bill-the-new-1-bill-2.html#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/lenpenzo.com\/blog"},{"@type":"ListItem","position":2,"name":"Is the $5 Bill the New $1 Bill?"}]},{"@type":"WebSite","@id":"https:\/\/lenpenzo.com\/blog\/#website","url":"https:\/\/lenpenzo.com\/blog\/","name":"Len Penzo dot Com","description":"The offbeat personal finance blog for responsible people.","publisher":{"@id":"https:\/\/lenpenzo.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/lenpenzo.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/lenpenzo.com\/blog\/#organization","name":"Len Penzo dot Com","url":"https:\/\/lenpenzo.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/lenpenzo.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2022\/06\/Block_L.png","contentUrl":"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2022\/06\/Block_L.png","width":359,"height":360,"caption":"Len Penzo dot Com"},"image":{"@id":"https:\/\/lenpenzo.com\/blog\/#\/schema\/logo\/image\/"},"sameAs":["http:\/\/www.facebook.com\/LenPenzo","https:\/\/x.com\/LenPenzo"]},{"@type":"Person","@id":"https:\/\/lenpenzo.com\/blog\/#\/schema\/person\/14707a261f821a34e3665daf47fb5ec3","name":"Charles Hugh Smith","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/6fd97b79b1e440fb8fb13671dc819d7fab7eb745268bfca684201e103833d8ac?s=96&d=monsterid&r=r","url":"https:\/\/secure.gravatar.com\/avatar\/6fd97b79b1e440fb8fb13671dc819d7fab7eb745268bfca684201e103833d8ac?s=96&d=monsterid&r=r","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/6fd97b79b1e440fb8fb13671dc819d7fab7eb745268bfca684201e103833d8ac?s=96&d=monsterid&r=r","caption":"Charles Hugh Smith"},"sameAs":["http:\/\/oftwominds.com"]}]}},"_links":{"self":[{"href":"https:\/\/lenpenzo.com\/blog\/wp-json\/wp\/v2\/posts\/26717","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lenpenzo.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/lenpenzo.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/lenpenzo.com\/blog\/wp-json\/wp\/v2\/users\/39"}],"replies":[{"embeddable":true,"href":"https:\/\/lenpenzo.com\/blog\/wp-json\/wp\/v2\/comments?post=26717"}],"version-history":[{"count":5,"href":"https:\/\/lenpenzo.com\/blog\/wp-json\/wp\/v2\/posts\/26717\/revisions"}],"predecessor-version":[{"id":77984,"href":"https:\/\/lenpenzo.com\/blog\/wp-json\/wp\/v2\/posts\/26717\/revisions\/77984"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lenpenzo.com\/blog\/wp-json\/wp\/v2\/media\/26723"}],"wp:attachment":[{"href":"https:\/\/lenpenzo.com\/blog\/wp-json\/wp\/v2\/media?parent=26717"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lenpenzo.com\/blog\/wp-json\/wp\/v2\/categories?post=26717"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/lenpenzo.com\/blog\/wp-json\/wp\/v2\/tags?post=26717"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}