Like Cypher said while enjoying that juicy Matrix generated steak: "Ignorance is bliss".

That “attention to the market dynamics debt” will catch up to them, just as it has caught up to all the working adults who are unable to afford living expenses in their cities because they spent their 20s partying rather than investing and looking to get ahead/stay ahead of these things. Anyone in their 30s saying “I’d like to have children but I can’t afford it” has been asleep at the wheel of a global change that has been unfolding in a relatively obvious way.

I’m not saying it’s good or bad - everyone’s free to make their own life choices, I’m saying it is what it is and TANSTAAFL.

There's some survivorship bias in that. Not every adult who gave up partying and focused on career and investing, ended up very well off.

Sometimes it just doesn't work out and then you sacrificed the most fun years of your life for nothing leaving you depressed and unhappy.

Not saying you should or shouldn't, I'm saying while there's no free lunch there's also no guaranteed lunch big either. For example here in socialist parts of Western Europe working hard is a scam since you don't end up more wealthy than those who just coast and do the bare minimum expecting the state to provide for them while you'll be the one paying for it with more taxes.

Sometimes a simple and fun life with less money can be more rewarding than a life of stress and money

It's not cargo cutting, it's just my opinion which can neither be right or wrong because it's not a fact.

I don't think kids need to worry about mortgage rates.

Looks like I hit a nerve with the people who have deep regrets about not investing when they should have. Many such cases.

> Looks like I hit a nerve with the people who have deep regrets about not investing when they should have. Many such cases.

I think it has more to with the condescending tone. It weakens your argument.