Dan J. Harkey

Master Educator | Business & Finance Consultant | Mentor

Opinion & Prospective

Hear Dan’s viewpoints about how things work and the intended and unintended consequences, delivered with humor to keep you entertained and engaged.

They are delivered with humor, breaking down the barriers of reality, truths versus illusions, and manufactured narratives.

Search Results

What Is the Ego?

What It’s Made Of, How It Forms, How It Evolves, and How We Outgrow Needing It “Fed”-to help us understand our inner processes and support our personal growth journey.

Hope Is Not a Strategy:

Why Optimism Without Action Fails (and What to Do Instead): A Better Approach-Hope + Strategy + Action:

The Car Repair Estimate Moment — From the Kid’s View

The car makes a sound it’s not supposed to make.

Financial Stress: Living on the Edge of Insolvency, With Nowhere to Turn.

The Car Repair Estimate Moment

California Benefit Cliffs for Low-Earning Workers When Earnings Rise:

What to Watch and Where They Hit While Attempting To Live on a Subsistence Income

Financial Stress: When There Is Too Much Month Left at the End of the Money

This isn’t financial advice—just a clear-eyed look and compassionate look at why so many households feel squeezed, what “financial stress” is, and what helps most when the margin of safety disappears, when a Flat tire needing replacement becomes a crisis.

Powwow Meaning, Origin, and How the Word—and the Gathering—Evolved

What Does “Powwow” Mean Today?

Powwow: Meaning, Origins, and Why the Word Matters

The word you’ve heard—maybe even used—without knowing its weight

Low Wages: Getting By on $20 per Hour or Less (U.S. & California, mid 2025)

The wage floor, frozen in time and space.

Motivation (Intrinsic vs. Extrinsic):

Why Similar Effort Produces Different Outcomes

The Quality of Intelligence Intersects with Philosophy, Motivation, Psychology, and Economics.

The Quality of Skepticism Is a Valuable Trait

Are We Dumbing Down the U.S.A.?

A Data-Driven Look at Declining Achievement and Racial Gaps in American Education

How to live a spiritually based life without flaunting it

Living a spiritually based life without flaunting it is all about authenticity, humility, and quiet consistency.

Quiet Faith in Action:

Real Stories of Spiritual Humility

The Role of Grace in Jesus’ Teaching:

From Spiritual Law to Daily Life

The Ten Commandments:

Meaning, History, and Jesus’ Fulfillment

Open-End vs Closed-End Car Leases:

Key Differences, Pros & Cons with Real-World Examples and Tax Insights

Residual Automobile Value Explained: The Hidden Factor in Car Leasing

Leasing a car often feels like a smart financial move—low monthly payments, little or no money down, and the ability to drive a new vehicle every few years. But behind the attractive numbers lies a critical concept that can significantly affect your total lease costs: residual value.

The Architecture of Institutional Control of the Masses: