What a tone-deaf and bizarre article. It begins with a straw-man: "as I financier I often encounter people who equate buying lattes and new cars with financial

What a tone-deaf and bizarre article. It begins with a straw-man: "as I financier I often encounter people who equate buying lattes and new cars with financial suicide" It then boldly introduces a distinction: there's a difference between spending and spending beyond one's means... literally, and I quote: > Simply saying no to consumption is lazy and thoughtless. What should determine personal spending is the totality of the buyer’s financial circumstances. I don't think anyone lives in this simple-minded universe, torn between the deadly sin of exuberant spending (on things!) and the austere life of impoverished simplicity. Money is a means. It has no intrinsic worth. We all understand this, keenly.