PTI(pti) is the WORST in these types of conversations.
Dude is smart, no doubt -- and great with money. Smarter than me when it comes to that, and I've asked & will ask again his advice on certain things -- But he thinks HIS way is the ONLY way when it comes to anything financial, and it's pretty ridiculous. He has no ability to take into consideration anyone's personal situation, as if the same principle applies to everyone...it doesn't.
YOU BOUGHT A CAR DO YOU REALIZE IT DEPRECIATES AS SOON AS YOU DRIVE IT OFF THE LOT??? [eyeroll] No, nobody knows that.
He pretty much mocked me for leaving banking/mortgage to go to KFB & insurance, told me straight up he thought I was making a huge mistake. My only regret is being 7.5 years in instead of 15. Shortly thereafter, he completely ignored me when I told him that banking SUCKED, and took a bank job. You read his thoughts on banking here almost monthly.
It worked out for both of us in the end, but just sayin. There is more than one way to make life (and financials) work, even if he thinks otherwise.