Debt can be a useful tool and it can also destroy you, and going from useful to destructive is much easier than we like to admit.
Cash can be a source of freedom and it can also be a crutch, and there’s not a brightly lit sign anywhere telling you where the the line is.
Risks can be managed, but as Morgan Housel says, “Risk is what you don’t see.”
It feels good to watch the value of your investments go up, but if you get too vested in that feeling just wait until the next time they tank.
It’s fine to say “I like nice things,” but at some point unless you define “enough” for yourself then what you start to say with your life is “Nice things help me hide______.”
Meaningful Returns 