College is not the time to become a 'consumer' of 'high end goods' simply because many peers chose to 'afford' them.Can you explain what you meant by that part? I am guessing you are assuming I am spending the extra $14k? I have been earning my income for only about a year, but what I have earned is what I have accumulated and you can see. I do not believe in taking on excessive debt which is why I only purchase cars, etc. with cash. (My car cost me $800) I guess I was going with the thought process that I could earn more than I would be paying through a typical diversified portfolio of index funds, but then you make a good point that it is better to have smaller roth and little or no debt than to have larger roth and more debt.
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