I disagree, it's not semantics. It's nuance. Which is important. I think he is saying its about focus. I often take the financially non optimum choice because I

I disagree, it's not semantics. It's nuance. Which is important. I think he is saying its about focus. I often take the financially non optimum choice because I know what truly needs my attention. It's essentially opportunity cost. Is it worth a blog post? No answer to this question is meaningful as I'm sure is a matter of preference. Also, so what? Unless its your favorite blog author and you thought he wasted time with this one as a content consumer you don't lose anything.