In general, everything aligns with what you described above. However, as of right now, I can afford let’s say not to work, buy a house, or run a small business, but that's not feasible in this country given the current situation. The biggest red flag for me was the lockdown, that's when things started to unravel. Now, it feels like Rome 2.0, and you shouldn't invest in it because it's destined to fall.