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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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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