Emphasis on "In its simplest form" I read that as "in general" it is accepted that one shouldn't spend more than what one can afford. Generally on luxury. But

Emphasis on "In its simplest form" I read that as "in general" it is accepted that one shouldn't spend more than what one can afford. Generally on luxury. But if it's a necessary need. Then you will indeed need to make a deal with the sharks. I'll copy paste the last paragraph: > In everything you do, you’re either playing a short term or long term game. You can’t opt out and you can’t play a long-term game in everything, you need to pick what matters to you. But in everything you do time amplifies the difference between long and short-term games. The question you need to think about is when and where to play a long-term game.