If you’re lucky enough to have $1,000 left over at the end of every month, consider it a sacred responsibility to use th

It’s really no surprise, given all this, that the last viral “New York is dead” cri de coeur came in the form of an opinion piece in the New York Post by a wealthy white man (no, not the president). New York may have been declared dead in the past, he conceded, but this time, it’s “completely dead.” Or that a letter sent to the mayor by 163 business leaders in September that described “widespread anxiety over public safety, cleanliness and other quality of life issues that are contributing to deteriorating conditions” was barely recognizable to those actually living here; Kathryn Wylde, the president of the Partnership for New York City, told the Times they had waited to send it till after Labor Day because “they felt it was unseemly to be writing from the Hamptons.”

I think most people treat their housing payment as the one thing they’re gonna pay no matter what. If you miss a credit card payment (and I don’t advise it), you might face consequences, but they don’t seem quite as potentially dire as missing your rent or mortgage payment.

I’m not saying you can just throw $1,000 every month into a brokerage account and these results will magically happen. It takes knowledge, oversight, work, luck, and history that cooperates. So you might need to maneuver and adapt. But that’s another part of the discussion for another day.

And yet, despite the stories of an exodus from New York, real life in the city remains on the rebound even as the days grow colder. The move to outdoor dining has left parts of the city feeling like Paris (perhaps even more so than the City of Lights itself, which is currently under curfew as a second wave of the virus hits the city). There is live music to be found in pockets everywhere. A few weeks ago, I biked across Terrace Drive in Central Park at 11 p.m. and jumped off halfway to join in an impromptu, and socially distant, dance party. Museums have opened and, absent the tourists, can actually be enjoyed on the weekend. Wherever you turn, there is a pervasive feeling of residents doing their best — to be safe, to keep others safe, and to enjoy themselves however they can. To live.

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ent code, you have to meticulously iterate through the possible scenarios. Unless you’re utilizing some of the techniques we’ll cover later in the book, you have no guarantees that your code will run in the order it’s listed in the sourcecode. I sometimes find it helpful to imagine a large period of time passing between operations. Imagine an hour passes between the time when the goroutine is invoked, and when it is run. How would the rest of the program behave? What if it took an hour between the goroutine executing successfully and the program reaching the if statement? Thinking in this manner helps me because to a computer, the scale may be different, but the relative time differentials are more or less the same.

From our privileged positions, many of us don’t think this way very often, if ever. We make money. We pay the rent. We pay for our transportation. We pay other bills. We go out and eat and drink with friends. We buy plants. We take lessons. In some cases, we throw money around. Whatever.

So, if you were living paycheck to paycheck, having to count every penny, you’d likely count each dollar until they added up to, first, your rent or mortgage and, second, your car payment. You’d worry about paying everything else last. You might tweak first and second, but I feel safe in thinking there might be general consensus here.

If anything’s over, it’s the city previously known as “Instagram New York.” Covid-19 has pulled the filter off much of our lives, revealing fault lines that had been there all along. Nowhere has this shift been more apparent than in New York City. The wealth that flooded into the city during the Bloomberg years, bringing with it a staggeringly inflated real estate market and making a comfortable home here unfeasible for anyone but the very wealthy also brought with it a rosy lens that allowed a lot of people to “perform” city life. Crime was low; social media and delivery apps replaced serendipitous interaction, allowing residents to glide alone in black cars or eat without the mess of ever getting a table. Increasingly, New York seemed to function less as a lived place than a recognizable backdrop against which people could live otherwise largely suburban lives without having to contend with the unpredictability city life normally involves.

In fact, both sides of #NoFilter New York are very much present right now. Homelessness in the city, which was on the rise before the pandemic, is now impossible to ignore. Gun violence spiked over the summer after crime dropped during the lockdown. Parents who felt good about themselves for sending their children to public schools have had to consider how those schools are some of the most segregated in the country and have remained open longer than advised because so many children who live below the poverty line depend on them for meals.

If you took on the aforementioned rent and car payment mindset for your monthly investing habit, you’d be well on your way to $1 million in 20 years. If you operate from the position of financial strength illustrated here, there’s no reason why you should not have an extra $1,000 a month to invest each month. It’ll be tighter if you “only” make $50,000 a year. If you make more than that, there’s probably no excuse other than overspending for not having an extra grand at the end of the month.

The past months have stripped away the illusion that Manhattan, a bastion of reliable blue, does not suffer from the same deep-seated race and class issues that plague the rest of the country. On the same day George Floyd was murdered, Amy Cooper was in Central Park calling the police on a Black man who asked her to leash her dog as the rules of that area of the park required. In June, Upper West Siders — widely regarded as the bluest of blue New Yorkers — banded together to push out the homeless population that had been afforded housing in the now vacant Covid-era hotels. Their argument, anecdotal at best and belied by neighborhood crime statistics, was that the presence of the homeless was making the neighborhood unsafe — and, as was anonymously whispered on the boards of neighborhood websites, causing their home prices to drop.

All else equal, this is what it takes. $1,000 a month. 20 years. You’ll have about a million bucks. Treat it like your most important bill each month. Treat it like a job. Learn what you need to learn to ensure that $1,000 a month does what it’s more than capable of doing for you, even under the most conservative model. Up my numbers here and there just a bit and you’re not just shy of a million, you’re well over it.

It sounds painfully impossible to “only” spend $3,000 versus $4,000 in monthly cash flow, or to “only” spend $4,000 versus $6,000 in monthly cash flow. It sounds tough to have a significant surplus left over at the end of the month. Except, it’s not. Not if you sacrifice a little and compromise a little more.

We’ve been here before, of course. More than once. New York City has died and been resurrected so many times, it’s unsurprising there’s a cottage industry that chronicles the phenomenon.

Invest this money, methodically, in dividend-paying stocks that appreciate a modest 5% annually, that yield a somewhat modest 5% annually, and that grow their dividend by a modest 2.5% annually. Reinvest all dividend payments. For a primer on what all of this means, see here and here.