4 ms·

> Is an extra $4,400/yr in their budget a big deal to the people in question? Well, since you saved it by excluding a lot of pleasurable spending, you can't re

> Is an extra $4,400/yr in their budget a big deal to the people in question? Well, since you saved it by excluding a lot of pleasurable spending, you can't really count it as "fun" money and therefore it's not that great, really. With the current market, it's also not nearly enough to get you anywhere near buying a house or an apartment. It can be used for a car, but then again, is a car a better investment than nice coffee and food? While I do see the value in saving and I get why spending this money looks wasteful, I can also see the other side of not bothering pass on convenience for a bit of extra money. Of course, it all depends on how well you're set up generally (i.e. if you don't have an emergency fund, those 4k$ are a lot more important).

vel0city 2y ago
> excluding a lot of pleasurable spending We're talking about kicking a vaping habit, not eating out or doing food delivery four times less a week and making your coffee at home. Its not like they're now no longer doing anything fun in their lives. Saving only that for 3 years and you've got over $13,000. While not a ton of money, $13k is more than enough to qualify for a down payment on a small house or condo in many housing markets in the US. Sure, probably not NYC or LA or SF, but doable in DFW, KC, San Antonio, Houston, Oklahoma City, Cleaveland, Rochester, Syracuse, Utica, Philly, Wilmington, Tallahassee, Corpus Christie, Albuquerque, and more.