A listen to the personal finance advisers out there.
These are people who perform middle-class morality by scolding people for not saving enough money. And sure, cutting debt and avoiding high-interest loans is all well and good. But the ideology of saving scolds goes a lot further than that. Their radically individualist views are not just incoherent, but ideologically pernicious.
First of all, I have yet to see it demonstrated that significantly increasing the savings rate is actually mechanically possible. Consider the radical saving scold Mr. Money Mustache, who suggests a savings rate of 50 percent is a great target.
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