I’ve made great choices my entire life and have a 200k salary in my twenties. I’ve been outbid on the last four houses I put offers on, including one that sold for 1.4 million, wait for it, in cash.

It’s nice your life has been so easy. Really. But please don’t use your rose-tinted glasses to accuse everyone else of being “dumb” - aside from how pretentious it comes off, it’s a wholly incorrect view. Does it factor in covid-related job loss? Inflation? Anything other than your dated experiences that no longer apply?

The icing on ththe cake is that you responded to someone else calling them “dishonest.”