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A comment on Every thought about personal finance I've ever had, as concisely as possible. Parent comment

Re:Every thought about personal finance I've ever had, as co... by id on Saturday February 27, 2021 @05:53AM (#26283988)
>I eat quite well on 5€ a day. Eating out would cost me about 25€ a day. That's a 7k€ per year difference.

But the thing is, a lot of people could easily make additional 7k€ if they switched jobs / renegotiated their salary / tried out other ways to make more money. Especially if you enjoy eating out from time to time, it's probably not worth the effort to try and save a few thousand not doing it when there are other, much more impactful choices to be made.

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Re:Every thought about personal finance I've ever had, as co... by bradleyjg on Saturday February 27, 2021 @07:02AM (#26284293)
Underrated point. There are people for whom investing energy into saving money has a decent ROI, but if you are reading HN that’s probably not you.

Instead it’s far more likely the most efficient way to get more money is to work on your career and not learn how to cook well, fix your own car, or extend your commute way out into the country.

That doesn’t mean you can’t have a hobby of cooking, if that’s what you love—go for it, but be honest with yourself. If it was about getting to FIRE you should order in a pizza and working on leetcode.

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Re:Every thought about personal finance I've ever had, as co... by MaxBarraclough on Saturday February 27, 2021 @07:55AM (#26284559)
> FIRE

Having googled this I presume you meant Financial Independence Retire Early.

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Re:Every thought about personal finance I've ever had, as co... by nicbou on Saturday February 27, 2021 @09:09AM (#26284919)
Where do y'all work where an extra €7k post tax is so easy to reach for?
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Re:Every thought about personal finance I've ever had, as co... by zemvpferreira on Saturday February 27, 2021 @09:55AM (#26285205)
It's not easy but it's not that hard either. My girlfriend is up around 20K/year this year simply from changing job and negotiating firmly. This coming from a previous salary of maybe 20K. (Lisbon, Portugal where 40K is a pretty good wage)
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