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PaperclipPerfector  1mo ago (text post)   1923 thread views

Small-Scale Question Sunday for March 1, 2026

Do you have a dumb question that you're kind of embarrassed to ask in the main thread? Is there something you're just not sure about?

This is your opportunity to ask questions. No question too simple or too silly.

Culture war topics are accepted, and proposals for a better intro post are appreciated.

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Fuck the house, the car, and especially the money market/bonds, just index fund it. If you didn't need a car before, you shouldn't buy one now: it's a separate issue. This is also true, though to a lesser degree, for the house. Break the proletarian cycle of "have money => spend money". Finance and consumption are different ledgers.

Well a house would reduce my "spending" considerably. My biggest monthly expenses is rent. A house could turn this into a zero, or potentially positive category for me.

Consider the opportunity costs; as you say, you could get 10-20k/y by investing it, with which you could also pay your rent. In any case, given the likelihood that you're going to move, possibly to Europe, it's a moot point: you shouldn't buy a house.

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