Reply to Guac and queso if you make over $450k

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]so funny because my daughter and I were just talking about the high charge for guac. [b]Of course[/b] she orders it because she knows we can afford it. But it does bring me back to my college is when I couldn't afford to order soda with the meal.[/quote]

These two words are what these many pages are about.

You/half think exactly as you do: of course, order it bc we can afford to

Half think that just bc you can afford to, there is a financial lesson in setting boundaries/increases savings.

[/quote]

I’m in the second half, but my husband is in the first half.  It’s frustrating for both of us - he doesn’t want to look poor/cheap, and I fear running out of money (which is silly).

When you have enough to cover all your needs and most of your wants, it leads to silly disputes over guacamole and queso.

But if you don’t have enough for that, it can lead to unnecessary debt - which is why I’m trying to teach my kids to ask if it’s “worth” spending extra money on something, rather than can we afford it.  And the guac/queso/fountain drink decision is a great way to teach it.

I’ll also say, being too strict with “extras” can backfire and lead to someone getting ALL the extras when they have their own money - even if they can’t afford it.  [/quote]

I'm not sure I agree with you and pp. [b]People here aren't flaunting wealth by adding guac.[/b] I think some people really are just saying "[u]don't sweat the small stuff[/u]." This isn't equivalent to replacing a shed. It's equivalent to the age old argument of buying coffee, which many people have pointed out is a fallacy when other stuff is so expensive.

[u]I add guac because I like it. If my kids wanted to, I don't think I'd make a big proclamation about how it's extra [/u]because like others have mentioned my kids know/learn this over time, and now as adults. Besides, life is about splurging sometimes, and so many people on DCUM forget this. [/quote]

No one ever said this (bold).

You obviously are of the second mindset (Half think that just bc you can afford to, there is a financial lesson in setting boundaries/increases savings) because of the underlined.

The truth is buying coffee out IS expensive over time. There is no fallacy about that. Just a single large black Sbux coffee once a week before tax and tip (if you tip) is $3.15. That’s $163/year. Now add that gas example upthread using the number there of $30 every 2.5 weeks extra for not driving a mile to a cheaper station. That’s $624 extra for one car. If two people in a family do this (plain coffee 1/week each + more expensive gas), you’re at $1574 on two tiny things. This is how things add up and it’s a mindset so it multiplies over expenses/savings across lits of choices. Over the years, it’s a car or large mortgage payments, etc.

You can’t argue against the fact the little unnecessary expenses add up over time although you can be of the mindset that you don’t care. One final point: I think that those who don’t try to find ways to save believe living like that is the same as living a bleak life (why can’t your kid get double chicken or two sauces or the healthy guac)? It is this thought that adds to your mindset of splurging over saving more.

[/quote]

NP-There are also people like me who are generally frugal (I make my own coffee, do my own hair, yard work...) and that's precisely why when we do go out and get something we want it to be the exact way we like it. I don't go to Chipotle, but if I'm having sushi, I'm not going to get a california roll instead of the roll I actually want to save a few bucks. To me it would not be worth it paying any money at all for something I don't want as much and it would be a bad economic decision. And I tell my dcs the same: save your money and spend it on what you actually truly want, not a bunch of blah things here and there. [/quote]

No, you’re still one of the people in the second group: Half think that just bc you can afford to, there is a financial lesson in setting boundaries/increases savings.

You make your own coffee and do your own hair and yard work, etc. it’s just with going out to eat, that’s not a place you chose to cut back on. [/quote]

I do "cut back" in the sense I very very rarely eat out. So when I do go out it has to be special. I will still spend much less per year than the people who don't get what they want but go out often.[/quote]

This is not only a wise approach, but shows even more you’re in the second group. [/quote]

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