indeed, if your dreams are realized with borrowed money, they were probably never your dreams to begin with.

capital misallocation is not witnessed in just investment decisions but also personal financial decisions

the brand new car/toy/thing will not bring you happiness. its marketing and fiat.

a $1k meal is not better than 20 $50 meals

when you spend your own money on a thing you take it serious. everything else is just credit

#bitcoin