I don't really like giving too much time to Seth's blog... but there is always something to learn by speed reading his blog.
Consider: you're buying a $30,000 car and you have the option of upgrading the stereo to the 18 speaker, 100 watt version for just $500 more. Should you?...
In a surprisingly large number of cases, we take the stereo, even though we'd never buy a nice stereo at home
Why ? because we are bad with numbers, $500 seems nothing next to $30,000.
Stop comparing stereo with money, start comparing with experience :
You can have the stereo if you give up going to Starbucks every workday for the next year and a half. Worth it?
Seth's currency might be Starbuck's frappucino, mine is coffee, sushi and trip to japan. What's yours ?