[hunson_abadeer]

> People do it all the time and to far greater extremes. A mortgage to buy a house to raise a family at 30 instead of waiting until 60 is also a form of consumption smoothing.

I wasn't advocating against risk-taking. I was advocating for doing it purposefully. Homeownership offers compelling and long-lasting quality-of-life benefits, and it's arguably not even pure "consumption" due to the acquisition of home equity.

Borrowing to buy a "status" car in your 20s, on the other hand, is probably a bad plan. Fleeting gratification and most of the money goes down the drain within 2-3 years. And if you get in the mode of living on credit day-to-day, you're probably gonna be making a lot of purchases of that sort.

[s1artibartfast]

In my reading the author has a pretty good head on their shoulder and an understanding of risk. They aren't going on buying a status car. It sounds like maybe you have a good understanding too if you're not doing the same. So why the concerned reaction to the post? Do you think they're actually making a mistake or are you more worried that someone might read it and get the wrong idea?