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“Hey we are trying to save for $x. Can we meet some place cheaper?”

“I won’t be able to go on $x vacation with you all. I will have to catch you next time”.

I work for $BigTech remotely in a lower cost of living area. Our income is much higher than many of our friends. We purposefully choose places that are affordable.

I was just planning a trip with my cousins (we grew up together like siblings) and everyone without small kids and responsibilities was talking about going to all inclusive in Mexico for a week. My being the only person reading the room - knowing that one of my cousins had twins in high school and knowing her situation - I suggested a much cheaper option.

On the other hand, my wife and I have had to say no to vacations we would typically go on with friends because they just weren’t in our budget because of the combination of expenses we are having transition to our digital nomad lifestyle and the drop in the value of my unvested RSUs in the River company.



You're missing the point. I'm not saying it's not possible, I'm saying there is a social cost and friction involved, which makes it a not so easy choice especially for younger people just starting their careers and needing to form those social networks.

The things you can do as a married couple with an established social circle are quite different.


That’s an even easier choice to make. I’m very cognizant of my fixed expenses. But if I know my company is going through a rough period - and let’s be honest Twitter has never been flying high - I’m going to cut my variable expenses down so I can have an oh shit fund. This isn’t my just speaking from the experience of a 48 year old who has been in the industry long enough to see the dot com bust, the financial crisis and Covid. I immediately focused on savings the day I graduated from college.




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