3. A frugal PSA: you should be careful how and when you talk about this topic to yo...

A frugal PSA: you should be careful how and when you talk about this topic to your friends if you haven't before.

Hey! Thanks for asking I'd be happy to divulge I just didn't want to ramble in the OP. I was discussing with him the idea that having a mortgage would be a good way to save money because you get a tax credit on mortgages but not renting, in addition to the fact that you will eventually own a home as opposed to renting indefinitely which will leave you with a zero percent return on the cost of renting. He asked why I would want to do this and I explained it has less to do with living in the same house for twenty years and more to do with using my money wisely so I can become FI. Cue the explanation on what constitutes financial independence. He just had a lot of arguments against what I'm doing. I think he's mostly just an argumentative person, but since it's about how I'm living my life I think it was awkward for me to explain it to him when he's being critical. I wasn't condemning his way of living, in fact it didn't really come up how he lives, he was mostly criticizing the idea that I could not work because I have investments that make money for me.

Like you I was surprised that someone could have some kind of moral or cultural objection to the idea that you could save up enough to quit your job. That's why I compared it to religion because some folks just get personally invested in the conversation. They have assumptions about the "kind of people" who, say, own land, or who have investments. For some reason talk of this subject without caution (as I irresponsibly did, and it was completely my fault for talking freely on this subject with him without considering this) can cause people to react argumentatively or emotionally. I think a lot of people haven't really thought of frugality as an option, for whatever reason, and they are emotionally invested in even talking about money.

Sorry for wall of text! Haha. I'm bad at being succinct apparently.

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