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

Clear and Present Danger:

The Soon-To-Be Ex-Husband Tried to Sneak Behind His Soon-To-Be Ex-Wife and Encumber The Jointly Owned Home For A Real Estate Loan.

Try Being Deceptive With Your Soon-To-Be Ex-Wife And See What Happens.

When The Soon-To-Be Ex-Husband Tries to “F” Over Your Soon-To-Be Ex-Wife

Lousy Decisions in Government: A Never-Ending, Continuous Merry-Go-Around

Why They Happen, Why They Persist, and How to Reduce Them

“Sticky fingers” — meaning, usage, and origin

Meaning (what it means today)

Parkinson’s Laws: Designing Organizational Systems Against Bureaucratic Drift

When Compliance Reporting Becomes the End Product:

How Required Reporting Turns Bureaucracies into a Paper Reporting Treadmill and a Production Results Avoidance Machine

“Boneheaded Actions: Characteristic Actions Taken by Bureaucracies”

When Rules and Processes Replace Results

Low Wages: The Great American Paycheck Vanishing Act

In mid 2025, tens of millions of Americans are living in the space between “employed” and “secure.” The paycheck clears—then the rent, groceries, and car note clear it right back out. It is a dreadful financial treadmill.

Less Than Intelligent (Stupid) Decisions, from the California Government (Housing + Insurance Edition)

Why “fraudulently created, sold as reasonable policies” keep producing shortages, unaffordable premiums, and brittle systems — with case studies

Hip Replacement Surgery:

Effectiveness, Recovery, and Realistic Expectations

Union Influences in Public Education

- It is a major structural factor—and it intersects with the federal vs. state control debate in several ways:

“Brothers in Arms” Dire Straits’

At its core, “Brothers in Arms” is a heartfelt lament—a quiet, emotionally restrained anti-war song that invites listeners to feel the pain and loss soldiers experience, fostering empathy and understanding.

“Money for Nothing”: Dire Straits

The lyrics are written in-character: from the viewpoint of working-class guys watching music videos and scoffing at how “easy” musicians seem to have it—fame, money, attention—compared with physical labor.

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?