In article ,
Mark wrote:

Save & invest, then enjoy the compounding. Don't bother with retarded
4% CDs and MM's until much later.


When you are borrowing hundreds of thousands of dollars that belong to
someone else then 4% doesn't seem too retarded, does it? I think you missed
the entire premise of why I mentioned "retarded" CDs and MMs.


It's all about deferred gratification. Unfortunately, most people want
instant gratification, that's why they have to work 30-50 years.


Deferred until when? I die? There is a middle ground here.


Dimitri