@maizeman Please post a quote where I said not paying off a mortgage was unethical. You are confusing me with someone else and that odd spoiler thing is just, well odd. Please edit your comment or prove it. Your other comments are thoughtful, so I wonder why you feel I am arguing for paying down a mortage (as opposed to clearly defining the risks, if one chooses to do it for leveraged stock investing, without much of a safety net).
Unfortunately, you had the odd habit of deleting many of your comments retroactively, so no I cannot link to your specific statement. It occurred in this thread:
https://forum.mrmoneymustache.com/welcome-to-the-forum/mr-math-and-paying-off-your-mortgage/50/ in which quotations of portions of many your posts from other users will demonstrate that you were posting frequently and actively, however almost none of your original posts remain.
It is not odd to delete back and forth posts that add no value to the forum, or which contain too much personal information. That poster seemed crazy enough to track down someone and act in their beliefs in a physical way. I took stuff off out of a bit of fear I was dealing with an unstable person, who might take action in real life. The volume of posts alone smacked of a FIRE obsession that was boardering on unhealthy.
Also, I never once said, nor do I think not paying a mortgage is unethical. I am certain you are confusing me with someone elso who may have been more strongly in favor or eliminating debt. A lot of people objected to that guys over the top rhetoric, and I have loads of PMs from others I advised to not respond to him when he was being dogmatic and rude.
In every thread I have been active on this topic I have been consistent.
1) I always say levergage is fine, as long as one understands and accepts the risks. Those who accuse me of arguing in favor of paying off debt during early accumulation are not carefully reading what I post and likely just want to argue.
2) I always oppose over the top rhetoric about how stocks are certain to increase in value over a certain rate, if enough time passes. I believe this is what people object to, because there are models that show stock produce reliable earnings over time. This data is good data, largely because it is very likely well managed economies will grow. I assume this will continue, but it is not CERTAIN.
Thats it.
These are the two topics I have been consistent about, other than responding to personal attacks, which certain people do seem to do `in defense' of other posters they seem to like, or are so frequently responding in the same way that I suspect they are actually puppet accounts of the same person.
Anyway, you seem to ignore positive comments and focus on something like accusing me of a random view I actually dont hold. It is perfectly fine to stiff a bank. Ive had family members do it.
PS. Regarding trolls with multiple accounts, many set up false identities, some reasonable, some crazy. Perhaps someone read the Ender's Game series of books and fancies themselves the character who debates himself on the web to influence policy. That character had a right wing and left wing persona that debated, with the goal of setting up one to look good by skewering the other. Anyway, a lot of posturing with limited value I agree. That is why I delete the posts. No one benefits from 10 posts explaining to B42 why it might be resonable to not want debt.
@maizeman you raise a good point, in that if you, a seemingly reasonable person, are accusing me of posting something I didnt say so passionately then the value of participating in this forum is not exceeding the cost of time spent. My goal was to help other FIRE with good information and I do not enjoy arguing. My FIRE is done, so I understand if I change my email to a nonesense email my account is effectively deleted. Off I go to do that.
Cheers and good like everyone.