Very good points. Thank you.

3, 6: A corollary to the points raised in these sections is “How much is your time worth”? On first thought it seems silly to hire someone to perform tasks that you could do yourself–but you don’t actually do them, right? You put them off, because you have “better things to do.” So you might as well pay someone else to do it, because you can’t be bothered, it generates income for someone else, and if it were really that important to you to do it yourself it would have been done already.

6. Sometimes it depends on the kind of family you have. If you are single with no kids, a small apartment should work well for most people, especially if there is a park nearby. But when you have kids or larger animals or the adults’ parents or other relatives are sharing the home, an actual house can be much better. Of course, that doesn’t give you license to have something more than sufficient to your needs, but apartment is not necessarily better than house across the board.

9. Charitable donations in your name are also good.