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That's like saying, "The problem isn't that today I'm taking on debt I won't be able to pay off. It's that ten years from now I won't be able to pay it off. It's not a present problem. It's only a problem in ten years."

Or perhaps, "The problem isn't that I'm sitting around eating junk food. I have no problem today. The problem is only twenty years from now when I have metabolic syndrome and my doctor is telling me to change my life."

Saying, "It's not a problem today" is irresponsible short-term thinking. Something we humans are all too prone to.

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I said today's spending isn't the problem and tomorrow's spending was. I didn't say when tomorrow's spending was a problem. I didn't say it didn't result from an obligation made today.

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If you make an obligation today that you will have difficulty performing, you have created a problem today. I suppose it's a matter of language whether that's a problem today or later. My feeling is that it's worth worrying about today. It's worth not doing today. It is a problem today.

There's a joke about the man who jumps off a 100 story building. As he passes the fifth floor, someone asks him how's the trip? He replies, "So far, no problem." I would say that he had a big problem as soon as he jumped.

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Again, I didn't say anything contrary to that.

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