Having reasonable and defensible views of frugality and extravagance is impossible until you first value yourself in reasonable ways
Conversation
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
Replying to
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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