This analysis overlooks what losing financial freedom for 5-10 years in the most productive part of your life does to you. Ie even if you make the money back la

This analysis overlooks what losing financial freedom for 5-10 years in the most productive part of your life does to you. Ie even if you make the money back later, if there are 5-10 years where your decisions are constrained then you never really make that back.