Joe Hertler

That Sally Mae loan was predatory - and was the single most damaging financial decision made in my life. They know kids are dumb as hell and made me feel quite comfortable taking out the loan. As if a 13% loan was totally normal.

Meanwhile, my FHA loan, at 6%, has required me to account for every cent over the last 4 years (business and personal) and has taken almost 8 months. I also had to take homeownership/buying courses. Is it a long and irritating process? Yep! But I have a thorough understanding what I’m getting into

Student loans should be as scrutinous as buying a home. It took me less than 5 minutes to get approved for a 20k sally mae loan at 13%. Walked in, signed an e signature, and left with zero understanding of the financial hell I had just agreed to. Yeah, I was 19 and dumb as hell.

Oh no way! Hell yeah - very worth watching in theaters :)

#Sinners is one of those films that makes me feel sad for anyone who thinks that great films are no longer made.

It represents just how moving and how evocative the art form can be. Bravo, #ryancoogler (and thx for shooting on 65)!

Grand Rapids on May 3rd :)

YouTube video by Joe Hertler 👽 kindness might be our only hope (what 15 years as a pro touring musician taught me) 👀

🧐 What if the only thing standing between us and extinction… is kindness?

youtu.be/bbmyYuf7iY4?...

#empathy #progressivism #kindness

Cynicism has a way of reducing the most vibrant things, the inherent & obvious wonder of the natural world, into cold and flat absolutes.

There may come a moment
where you meet someone
you’ve always known
for the first time.

They are who they are
as they always have been.

And in that moment
you may even find
the place within from which kindness flows:
your renewed knowing
& gentle acceptance that
flawless people do not exist

You know I think I like my ideological bubble. I’m happier here.

Pretty sure the best way to be liked by others is to inherently like other people. Recognize the good in others vs mostly seeing the bad.

Evening coffee! Live from Detroit / Pontiac :)

Billion Years (Demo) - here’s a track I worked on this week :)

#acousticguitar #songwriting #indiefolk

Mostly just using Redbook because Chinese surveillance kinda makes me feel valued. My user name is 乔是一把吉他!

YouTube video by Joe Hertler 🌝 joe hertler & the rainbow seekers - live in pontiac, mi (crofoot ballroom - board mix) NYE 2024

youtu.be/R5N3imy8xK0?...

Our Fake new years set is posted over on YT :)

Canada, United states, and Mexico…

Can’t wait for the future historians to write about how over expansion led to the downfall of great super nation of CUM.

Sometimes I miss being 240 lbs lol

I like to imagine my present self as the best bud of my future self. Aka do things that’ll make you happy down the road - and view your actions as if they’re a courtesy for someone you love.

When I practice piano, or put cash into long growth savings. It’s a gift for future Joe :)

Gonna starting using Bluesky to share insights from my reading (cuz my memory is terrible). Didn’t get the photographic memory that my dad has :/

From the rainbow seeker archives.
#michiganmusic #michiganstate #indiepop #funkymusic

Holy moly merry Christmas I’m so stoked I have #tsaprecheck right now. Best $70 I ever dun spent.

Safe travels y’all!

My daughter, Socks 😻
#siamesecat

Yeahhhhhh @detroitlions.bsky.social lets goooooo!

Gladiator 2 was 310 million dollars of uninspired brain rot.

First post on blue sky. Here’s some piano!

Yeah, Jah ⚡️