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MarcableFluke t1_jabhxdd wrote

Reply to comment by bpt3 in When does saving become unhealthy? by Narrow-Imagination96

>up for an earlier retirement,

Part of "Retirement goals"

>bigger down payment for a house

Part of "Short-to-medium term expenditure goals"

>larger inheritance for their kids,

Part of "Any other savings goals"

You realize people get to decide their own goals, right?

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bpt3 t1_jabi40v wrote

They might not be goals at the time, but having the money later gives you options that don't exist if you think the way you described.

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manwnomelanin t1_jabii87 wrote

This is just an endless paradox

Thinking this way, you will never spend money in anticipation of some hypothetical better opportunity down the line

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bpt3 t1_jacalwg wrote

No it's not, it's just making sure you're spending money for a reason instead of just spending everything that isn't associated with a specific saving goal you have today.

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manwnomelanin t1_jaceyx2 wrote

You can spend thoughtfully and still enjoy yourself.

You should be looser with the money leftover after allocating a portion to specific savings goals. You have to live a little

Especially in the context of OP’s situation who is clearly depriving themselves of basic life experiences.

Your advice alludes to spending money only on basic necessities and nothing else, even if that isn’t what you meant

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bpt3 t1_jacs2vq wrote

You keep saying I alluded to this or implied that.

Just read what I actually said, which you probably don't like to hear since it doesn't encourage frivolous spending.

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manwnomelanin t1_jacshcw wrote

Clearly, the implications were there. Again, whether you meant to or not.

Hence the downvotes.

I don’t think anyone here would disagree that you should spend all dollars thoughtfully. Clearly that isn’t what you communicated

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bpt3 t1_jact10m wrote

You can say clearly as much as you want, it doesn't make your opinion correct. It just makes you sound pretty annoying and ignorant of the post I replied to.

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MarcableFluke t1_jabi797 wrote

>but having the money later gives you options

Part of "Any other savings goals"

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bpt3 t1_jabiijy wrote

Ok if literally any theoretical future spending goal is covered under that, how does the rest of your comment make any sense?

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MarcableFluke t1_jabj1gq wrote

If someone is unsure about their goals and wants to keep their options open, then yes, that would be considered a savings goal.

>how does the rest of your comment make any sense?

Very well, once you understand it.

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