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.
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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