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Very rarely can an individual accrue debt that will allow them to make money. Maybe not make money, but certainly spend less money. Energy efficiency upgrades

• taeric 13y ago
  Actually, this is a perfect example. Energy efficient upgrades can help. However, a large number of them will actually cost more than they a poised to save you. Upgrading the windows of my house, for example, would cost me more than it would save me over the next 20 years. Same with my water heater, HVAC, roof, etc. Similarly, if you had upgraded to CFLs when they were in their infancy, you would have terrible lights that have a long power cycle and provide little light. (Though, today I get annoyed with family that refuses to buy better lights.) Most amusingly to me lately, I saw a "call for papers" about converting to DC in the house. Our AC power is effectively "technical debt" in the house hold. Moving from that to a more efficient DC source to power all of your DC items in the house would make sense. Using DC back in the day would not have. Eating well is an odd one, I think. Rarely are people taking out loans to get food. You can certainly spend your capital more wisely on food, but I'm not sure it fits the metaphor.