Having reasonable and defensible views of frugality and extravagance is impossible until you first value yourself in reasonable ways
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You think too low does that too? What are examples of that? It seems like it’s easier to “go NP” with too high than too low, by a fair bit.
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Like, IMO, it’s easy for personal finance to be NP by living 25-50% above your means, but OTOH, it’s hard to feel the “lack of returns” from your lifestyle before 50%+ under your means.
End of conversation
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