PS
Sorry you took it that way it’s not my intention. I said stuff happens (sometimes it’s good and sometimes its bad). I dont think most people feel kids getting married and going to college are bad things. I encourage him to keep saving and thinks it’s commenadable. The more he can save at a young age the better because it does get tougher as your life gets more complex. However, as you know I can never resist pointing out a flaw in someones case to provide balance to any argument ….nor do I mind you doing the same to me.

It’s a healthy exchange of ideas in my book. AN’s assumptions included 65 years of saving 1000 per month from age 21 which is flawed. He should be retired well before 86 and living off the earnings from his nest egg not adding to them beyond his investments return.

As for Boston_oc, he understand where clearly you do not. No indictment on you intended. Anyone that has ever been in corporate sales understands also. It is neither condescending nor unpleasant. It is the reality of being a top sales performer in an organization that must produce sustained growth to satisfy shareholders expecting a return on their investments. The more you give the more they want.

As for the thinly veiled advice, you are certainly guilty on that accord. You say there is no difference between renting and owning but then say you will buy when it makes sense. Clearly you consider it better to own or you would never buy because renting will always be cheaper. Of course, it’s emotional. I talk to many people everday who consider owning a home an important part of their life and not a finacial instrument as you. I am not a nomad and value safety, security and certainty. I know who my neighbors are and they know me. When I pass on, I expect to be remembered for the love and affection shared with friends and family not my bank account. Perhaps you come from a culture that values different things…many do. Doesnt make them wrong or right…just different.