counterarguments: * free financing is only offered when the real interest rate is pretty close to 0 anyway * cognitive overhead of staying on top of payments costs more than the interest * miss payment -> penalties - classic case of "picking up pennies ahead of a steamroller"https://twitter.com/sonyasupposedly/status/1168620369638375424 …
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4/ Well, OK, I don't absolutely disagree. I mean, I'm going to retain the right to make my own decisions overriding heuristics, at least much of the time BUT reason why is that we all have cognitive biases and are prone to exaggerate to ourselves how much we depart from norms
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5/ Every single heroin addict saw a general rule that said "heroin is bad, you'll get addicted" and thought "yeah, but that's the GENERAL case, man - I'm not like that". So when you're tempted to override general advice with your specific circumstances, realize that you're >>
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6/ already biasing every piece of data that you have hard to one direction. ...so I suppose my fully nuanced position is that you have to ride herd on yourself, expect irrational exuberance, and correct for it.
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7/ Sonya, your brain lied to about the fact that brains lying to you is obvious! (Brains are the sneakiest mofos ever)https://twitter.com/sonyasupposedly/status/1168624740468060160 …
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8/ My socialcon position is "people are bad at handling all sorts of things, and lucky us, we have ~6,000 yrs of evolved cultural norms based on thousands of scenarios and billions of lives, and to discard this for the computations of a lone 20yo is bad"https://twitter.com/sonyasupposedly/status/1168624967585386496 …
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