No. of Recommendations: 5
ALL purchase money is financed (i.e. taken away from some other accoutn/usage, at a cost.) You either pay interest, or lose gains, inescapably.

You have said this repeatedly, and I admit that I am not understanding it for a variety of reasons. First, you are missing the fact that all investments do not always go up, and so people do lose money as well as have gains on investments. Therefore, the choices are not necessarily pay interest or lose gains. There is a third option of losing money on those investments.

Secondly, everyone does not have the same goal of always investing to make the most money possible. Some people, like me, are investing not with gains as the ultimate goal but with plans to spend that money on something such as college, retirement or maybe a trip around the world. I think, then, that you are missing the concept of "enough" in your thinking. If I need $3 million to reach all my goals comfortably, then having $4 million instead does not interest me. In fact, I would argue that this means that I haven't used my dollars on something that may have been in my plan, or it could mean that I worked longer than necessary before retiring, but in any case, it means that I have lost opportunities on my own priority list in favor of just having a bigger pile of money. As I can't take it with me, having a bigger pile than I need is simply not of interest to me.

Thirdly, and the one that I find the most absurd, is that this seems to say that any time I use my dollars, whether from earnings, savings, investments, or a bank loan, I have "borrowed" it from somewhere, and so I am left wondering why you only apply that logic to purchases such as house or car when it seems that you're applying this to all money spent, and so that means, in your world and words, I seem to be borrowing from myself every time I spend a dollar whether that is on groceries, the electric bill, medical care, college, a house, or a car. And it is at this point that you have completely lost me.

By this logic, it seems that I would be better off living under a bridge than "borrowing" from my savings and investments to provide the life style for which I even have those savings and investments just so the pile continues to grow. I'm not signing up for that.
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