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.

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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.

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Can you not read???  PP said, "I’m in the second half, but my husband is in the first half. It’s frustrating for both of us - [b]he doesn’t want to look poor/cheap,[/b] and I fear running out of money (which is silly)."

David Bach's latte factor has its critics because healthcare, mortgages, and taxes have all outpaced salaries. Please see Elizabeth Warren's two-income trap. Let's focus on the big stuff, shall we? Saving $163/year isn't a big deal. Stop assuming that all people are doing it all.

I just see more scolding here, and you glossed right over my recommendation that DCUM[b] live a little[/b]. I very well remember a woman here not too long ago who was freaking out that her DH bought Starbucks at the airport, on HIS VACATION. [/quote]

And exhibit A ^^^ to the post you’re responding to that said that something about the non-mindful spenders believe the others have a bleak life.  Think about people wealthier than you who fly private. If they looked at you and thought you lived a bleak life because you flew commercial, it isn’t accurate even though would never want to do that and think it would be terribly unpleasant.

This mindset really doesn’t impact people who are aware of spending and set more boundaries around wants. In fact, it bothers them to waste money, just as it bothers you to not have what you want.  [/quote]

There is SO much black and white thinking on this thread, which is what I pointed out. I'm not even a big spender. We still have our everyday dishes from our wedding 25+ years ago and haven't ever bought another set. Our HHI is 7-figures but I shop at JCrew Factory. BUT, no I'm not going never buy guac, never buy a Starbucks at the airport, never going to only buy the absolute cheapest everything because I want a full life. How is that not mindful?!?!? And, my kids pick that up from me whether or not I get mad that they like guac and want to order it. Geez. This board is literally insane. [/quote]

You are a mindful spender focusing on dishes and clothes types of things. As has been said before, no one is saying mindful spender means no “wants” are ever purchased. Someone else may avoid guac but replace still-useable dishes and another may want more expensive clothes but tries to find cheaper gas. This is why considering double protein or bottled water comes from the same type of mind that also considers Taylor Swift tickets, luxury hotels, and nice cars.

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