Reply to controversial opinion: money & finances edition

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]My not so controversial opinions:

Expensive private colleges aren't worth it unless you get substantial aid or can easily afford it. I say this as a double Ivy grad. Your kid is better off going to a good state school and putting the differential into a retirement account and not touching it until he/she retires 50 years later. Or use it to help buy a house.

Better to save as much as you can while still living a reasonably comfortable life. No need to penny pinch, but build up the net worth as quickly as you can. Having six months' savings in the bank is a nice weight off the shoulders. Even better is having five years' living expenses saved. You feel very free.

Always have your long term savings plans and objectives factor in at least one long period of unemployment. Something will come up. It may not be unemployment, but something damn expensive will still come up. I've had $45,000 worth of dental bills in the last year alone through no fault of my own. Damn genetics.

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So, the lesson for kids here is- become a dentist[/quote]

I have been encouraging my kids to think about being an orthodontist, talk about a license to print money[/quote]

Or a fertility doctor.[/quote]

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