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Taking money off the table

(zachholman.com)
135 points holman | 3 comments | 30 Oct 25 18:50 UTC | HN request time: 0s | source
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GCA10 ◴[30 Oct 25 20:04 UTC] No.45764665[source]▶
There's a crucial extra factor that isn't in the original article, but ought to be: Money's ability to buy great experiences decreases as you get older. I've seen this with beach vacations, road trips to see a favorite band, fast cars, ski trips, etc.

Seize the moment, friend! What you can do NOW with that 10% slice will never exactly be on your possibilities map again.

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jimkleiber ◴[30 Oct 25 20:07 UTC] No.45764713[source]▶
I think you're hitting on something that very rarely gets discussed, at least in the US and maybe some other Western societies. I wonder if it's just simple depreciation or compound depreciation (or whatever the opposite of compound interest would be).

Me finding the money to climb Kilimanjaro at 23 is different than me having the money at 40 but worse knees.

Thank you for pointing this out and I hope someone formalizes it more.

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dkural ◴[30 Oct 25 21:05 UTC] No.45765344[source]▶
As someone who is not so young anymore, but also not old, I think it is compound depreciation.
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lostlogin ◴[30 Oct 25 21:51 UTC] No.45765811[source]▶
But… you can pay someone to carry your pack, and lie in a comfortably bed at night (you won’t sleep though, that ability vanishes at 40).

The shiite travel arrangements young people will tolerate are truly hilarious.

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1. csa ◴[31 Oct 25 00:52 UTC] No.45767212{3}[source]▶
> you won’t sleep though, that ability vanishes at 40

I’m not sure why you say that.

If one takes care of themselves in terms of diet and exercise, good sleep should be a thing for most of their life.

I’m in my 50s, and I sleep about as well as I did in my 20s (possibly better).

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2. lostlogin ◴[31 Oct 25 03:50 UTC] No.45768222[source]▶
For me, diet and exercise seem unhelpful in the face of even minor stress.

Being exhausted when I go to bed helps and I ride a bike to get that, but having the time to get my milage high enough isn’t always possible.

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3. csa ◴[31 Oct 25 15:38 UTC] No.45773277[source]▶
> For me, diet and exercise seem unhelpful in the face of even minor stress.

Good point.

I probably should have written something like “…diet, exercise, and mental health”.