Originally Posted by
knewyork
I don’t think one should be making decisions in the present because they “might” make 30K a month in like 15 years. That’s not gauranteed. Might as well load up the credit cards now since you can pay them all off in a month when you’re 40.
As I said, time value of money counts. If you have debt to pay off, better do that.
If not, six months would be worth a couple peanuts less. It's all peanuts anyway.
You have to determine your own risk tolerance for industry stability (there is hard empirical data to suggest it will be pretty good for a while).