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by BobaFloutist 10 days ago
> the main difference between myself and my peers is that I chose to live with my parents and save for a house instead of moving out

It was very clever of you to choose to be born to tolerable parents with enough spare cash to let you live with them and save up, rather than jerks or even just poor parents that needed your help as soon as you got a job.
2 comments
mrktf 10 days ago
> the main difference between myself and my peers is that I chose to live with my parents and save for a house instead of moving out

That is 'small' cheat code if parents tolerable. I have multiple peers which got much better life and places to live because lived with parents in their 20s.

It just doing napkin math and even if you live 5 years with parents and doing minimal savings (saving rent and part of food) you already poses good chunk of deposit when comes to buying property.

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yesco 10 days ago
I reject your characterization of my comment. I explicitly called myself an outlier and said I didn't want to get too specific, so I'm not sure where you're getting "clever" from. I wasn't claiming credit for my circumstances. I was identifying the actual variable that separated my outcome from peers in similar circumstances, because that's useful information for anyone who does have that option available.

And plenty of people do. I know people who could live at home rent-free and chose apartments anyway because they wanted independence sooner. That's a legitimate preference, but it's still a tradeoff, and pretending the tradeoff doesn't exist because some people don't get the choice at all helps nobody. "Not everyone can do X" is true of literally every piece of financial advice ever given. It doesn't make X bad advice for the people who can.

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