137 | Technically Right, But So Wrong

Some things make so much sense in a spreadsheet…

Investing for 7% instead of paying down debt at 4%.

Contributing the maximum to a retirement account.

The smoothness of the line when projecting 8% returns for a few decades.

Roth conversions in low-income years to minimize future taxes.

But then…

Many people hate debt.

Some seasons of life demand accessibility that a retirement account can’t provide.

No decade of past returns has ever been described as “smooth”.

Some people don’t know why they got a tax refund, much less, why you’d choose to pay taxes.

Just because something is technically right doesn’t actually make it right.

Oftentimes, it couldn’t be more wrong.