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

How Systemic and Institutional Pressures Kill Critical Thinking: Indoctrination Kills Inquiry, which Kills Critical Thinking

An uncomfortable truth sits beneath America’s education debates: we don’t have a brainwashing problem; we have a misalignment problem that urgently demands our collective action. We claim to want independent thinkers, yet we reward systems that optimize for speed, compliance, and short-cycle test gains. The results show up everywhere.

Why “Quagmire” Is the Perfect Word for Modern Business—and How to Avoid Getting Stuck at All Costs

California’s Punitive Bureaucracy: A System of Control and Economic Coercion

SB-748: Safe Parking Sites and Local Responsibility for the Unhoused

California Senate Bill 748 (SB-748), signed into Law in September 2025, marks a significant expansion of the state’s approach to homelessness—specifically addressing the needs of individuals living in vehicles. The bill modifies the existing Encampment Resolution Funding (ERF) program to include support for safe parking sites, offering local jurisdictions new tools to manage and assist vehicle-based homelessness.

Too Good to Be True: The Anatomy of High-Yield Investment Scams

America at the Crossroads: Are We Ready to Ask Hard Questions?

America is standing at a crossroads, and the time for action is now. For too long, we’ve skirted the most uncomfortable questions about what’s wrong in our country. Government leaders have evaded them because they’re politically costly. Mainstream media has sidestepped them because nuance doesn’t sell. But the cracks are widening, and the cost of silence is becoming unbearable.

Government Efficiency Isn’t a Dirty Word—It’s Stewardship

Government inefficiency is characteristic of entrenched bureaucracy.

The Importance of Resilience in Business

In today’s volatile business environment, resilience isn’t just a desirable trait—it’s a transformative survival skill that can inspire and motivate. Markets shift overnight, technology disrupts entire industries, and global crises can upend even the most carefully laid plans. Resilience empowers businesses and leaders not only to adapt but also to transform, recover, and thrive in the face of uncertainty.

“Crap Shoot” in Business: Origins and Applications

The phrase “crap shoot” originates from the gambling game craps, where players roll dice and outcomes depend entirely on chance. The term evolved into a metaphor for situations where results are unpredictable and largely outside one’s control. In business, this concept resonates deeply because many high-stakes decisions involve uncertainty despite careful planning.

How Pronounced is State-funded Chaos in the USA?

The concept of state-funded chaos in the United States can be interpreted in several ways; however, historically, it most often refers to instances where government actions—whether intentional or due to dysfunction—have led to widespread disruption, instability, or erosion of public trust. Government actions are directly to the benefit of the government apparatus and against the best interests of the people.

What Sparks Real Change? The Psychology Behind Life’s Turning Points

What is the Spark in One’s Life that Causes them to Make Significant Changes in their Life for the Better?

That pivotal moment or “spark” that causes someone to make significant life changes for the better often stems from a personal crisis, a profound realization, or a transformative experience. While the catalyst varies from person to person, here are some common types of events that tend to trigger such shifts:

How the Federal Reserve System Plunders the American Taxpayer

The Federal Reserve was established in 1913 under the Federal Reserve Act, following a series of banking panics, most notably the Panic of 1907. Its stated purpose was to stabilize the financial system, provide an elastic currency, and act as a lender of last resort. Over time, however, its policies have evolved into mechanisms that critics argue quietly transfer wealth from ordinary Americans to the government and financial elites. This “plunder” doesn’t happen through overt taxation—it occurs through monetary policy, inflation, and systemic favoritism.

The U.S. Electric Vehicle (EV) Market is hitting a Rough Patch, and the Reasons are Clear:

The expiration of federal tax credits, high upfront costs, and persistent infrastructure gaps have triggered a sharp slowdown in demand. The Impact of these factors is not to be underestimated, as they have significantly altered the market dynamics. Social engineering only works when it continues to manipulate the public into thinking they are gaining benefits and preferential treatment. Once reality sets in that the benefits were only temporary, then the business adjusts back to market-driven economics.

The EV Bust: How Policy Shifts and Consumer Fatigue Sparked a Market Correction

The Policy Whiplash Government incentives were the backbone of EV adoption in the U.S. For years, tax credits and state rebates have narrowed the price gap, signaling a long-term commitment to electrification. When those incentives expired in late 2025, the market lost its safety net overnight. Automakers had scaled production based on a demand curve that assumed continued policy support—only to face a sudden cliff.

Government as Racket: How Power, Policy, Access, and Paydays Converge

When people say “the system is rigged,” they may be closer to a macro truth than a slogan. Here’s the evidence-driven anatomy of how public authority routinely converts into private gain—and what it would take to unwind the racket.

War Is a Racket: Smedley Butler’s Timeless Warning About Profiteering and Power

In 1935, Major General Smedley D. Butler—one of the most decorated Marines in U.S. History—published a short but explosive book: War Is a Racket. At fewer than 50 pages, it remains one of the most searing indictments of the economic motives behind war. Butler’s thesis was radical yet straightforward: wars are rarely fought for freedom or defense—they are fought for profit.

From His Book, Confessions of an Economic Hit Man, to Today’s Debt Diplomacy: Debt as a Weapon

What John Perkins alleged two decades ago—that a system that uses debt to shape nations’ choices—still resonates. But the 2020s bring new players, new contracts, and new fault lines, marking a significant evolution in debt diplomacy. Here’s how the playbook has evolved—and what it means for countries caught in the middle.

Why We Should Accept Nothing at Face Value from the Mainstream Media

Because of its persistent—and often subtle—use of propaganda techniques to sway public opinion

“It Costs an Arm and a Leg:” The Real Story Behind The Phrase

We all know the phrase: “That costs an arm and a leg!” It screams expensive—but where did it come from? Let’s bust the myths and trace its real evolution.