Including NPV of future self-worth, rather than retirement net worth Miscalibrated self-worth (too high/low) transforms personal finance from a P problem to an NP problem
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Also extremely hard to have those conversations with people who aren’t not ~exactly as “wealthy” as you. My frugal is your luxury and their “not worth it”.
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You can sort of normalize somewhat for income/wealth, the hard part is personal psychology
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