I just had to reply to this thread because I'm a couple years down the road from the thought processes you're having now OP.
First off, I think your question about how we can all just 'quit the system' is the important part and sorry if the insurance question is a little
distracting, but here's my take on it:
I have NEVER had car insurance... I'm 26 and have been driving since I was 19. I've never had a single moving violation, ie no accidents, no speeding
or infraction tickets. I have had seat belt tickets and I HAVE been ticketed for not having insurance, but here's the thing; in my state if you get
caught without insurance, it's a $500 ticket. You may SHOW UP TO COURT WITH INSURANCE and have your fine reduced significantly (50-80%). As long as
you dont show up to court every year with(out) insurance they'll never crack down on you. I've probably paid about $1000 total in insurance and fines
for the last 7 years or whatever.
And if I screwed up and broke someone's car/neck I would probably file bankruptcy.... cause I don't care... and I mostly live outside the system
Which was your main question I think: How to leave the rat race.
My whole life I've been trying to drop out and this is what I've learned. You can do anything the hard way, but like JPZ says it's an uphill battle.
Definitely easier to just tow the line... Anyway this is getting ranty so here's some quick tips:
- Ditch your bank account. Checks can be cashed at their Bank of Origin almost always. Checks larger than $1000 can be tricky however. As painful as
it may be, walmart cashes checks for a very reasonable fee... Personal checks always cost more to cash than payroll checks. Also some of the
check-marts aren't THAT horrible if they know you and you can get a check cashed for a couple bucks.
- Use prepaid visas for things like online bill pay. Also if you're a member at one of those ghetto check cashing places (See above) money orders
are an option there too.
- Quit your job. It's time to start earning your way in life the hard, old-fashioned way. It's time to start doing A LOT of favors for your friends,
family, neighbors, and community. Security can be earned by knowing people owe you a favor and have your back. Sometimes you're going to get paid in
food, tools, rent, sundries, whatever. The most important part is that you're NOT PAYING TAXES, and ideally not even using much cash. Get jobs
under-the-table. It actually sounds like you have a really good jump on this part and I would personally suggest that you quit your day-job and up
your game a little bit in that big ol pile of Misc. you had going on in your OP.
-Spend your money locally. We've all heard this one and it's kinda 'in-vogue' or whatever lately anyway. Try to give your cash to the farmer's
market, to your neighbor at the local swap-meet, etc... We all kinda get this one, it's the quit shopping at big box stores thing right?
Anyway moral of the story: Don't be afraid of anything... you can and will survive any way you have to, and some things you don't need as badly as you
think you do.
ETA: ^^^^ seriously just do something drastic... if you don't have a wife and kids or family that really needs you to be on your A-game then take a
chance. Live a different life. It's not ridiculous to think you can actually skip out into the woods for bearded year or two... Some of the big-shot
survival gurus started out doing JUST THAT. Maybe there's a farmer in your county who has an extra acre in the back you can squat a trailer on in
exchange for some weekly labor... Get creative and just remember to include the power of people helping people.
edit on 4-5-2012 by JRedBeard