<prompt> Human: Hey everyone. Long time lurker and finally got an account the other day and have started posting. Something that Ive observed regularly here is the advice to keep debt when the interest rate is low and use the money to invest for a better return. Often times this is associated with a car purchase and the typical comment is something like Well I received a 01.92.5etc rate and I can make a better return than that by investing in the market. So I am better offLook I get what you are saying but in reality this never happens. People dont actually take the money they claim to be saving and invest it. In the super off chance they do chances are they are doing it outside of a retirement account and buying single stocks then jumping out when the stock starts dipping more than their risk tolerance. Thats not investing - thats speculating.This is the lie we are telling ourselves but in reality we cant afford that 30K car. Meaning we cant actually write the 30K check at the dealer to buy it. No I totally can I would just rather invest No I totally can I just dont want to tie up that much money. OK, that means you dont have enough additional cash on hand that leaves you comfortable. AKA you cannot afford it. The worst lies we tell are the ones we tell to ourselves. Dont tell yourself you are being smart and taking cheap money. Debt is never a better idea than paying cash.Ive been done there and done that. 30 some odd years later Ive finally learned.Have a nice day.SOPAssistant: People dont actually take the money they claim to be saving and invest it. In the super off chance they do chances are they are doing it outside of a retirement account and buying single stocks then jumping out when the stock starts dipping more than their risk tolerance. Thats not investing - thats speculating...Or they arent and that might have been just you. I get the advice you are giving but the tone seems just a little too overbearing. Maybe that was your point to try and make the message more memorable.Human: Just doesnt happen man. Ive seen it countless times and used to tell myself the same lie and you have seen it amongst your friends too. It sounds nice but in doesnt happen in practice.  <response>: Youre right in that many people dont have the self control to invest. Nevertheless, borrowing at 2 to invest in something that averages 5-7 over a number of years is a good bet. The investing aspect is not wrong. 