I can’t tell you what to do with your money, because I don’t know you.
I don’t know what you want. I don’t know when you want it. I don’t know why you want it.
So I’m not going to tell you what to do with your money.
But, there are universal truths in money, even if people come to different conclusions about how they want to apply those truths to their own finances.
Respect the mess. Smart, informed, and reasonable people can disagree in finance, because people have vastly different goals and desires. There is no single right answer; just the answer that works for you.
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