Thinking about financial planning. A lot of people, when they think of that, start planning on how they’ll buy their dream house. For me, I would rather keep budget tight and have a good, solid savings for many years. I want freedom most of all. Freedom to not *need* to work.
Everytime someone says "sustain your lifestyle" I hear "keep spending money on frivolous things" and think "so we're supposed to forego frivolous things now so we can keep having them later...?"
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Frivolous or not, sustainability comes from living within your future means. There’s no judgement on what you choose to spend on, just advice on what continuing to do so looks like post-employment.
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Means are highly dependent on what % of your waking hours are spent making somebody else rich.
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It's disingenuous to pretend that someone eating at restaurants & getting fancy coffees because they're exhausted & out of time amidst a 60 hour work week needs to plan for same level of expenses later.
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Fair point, but plenty of people spend more when they have more free time -- not less. Regardless, it's not my place to decide what's frivolous and what's not. YOLO. And quality of life *right now* matters. All I'm saying is choices are often more expensive than they appear.
End of conversation
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