It's not that mistakes aren't allowed. It's the cavalier attitude you take that bothers me. You aren't the one who pays for your mistakes; it's the ones who listen to you that pay the penalties.
I admitted my mistake right away. What would you prefer...that I didn't admit it, or perhaps do what many do, and shout that I'm right and call you names (while sticking my fingers in my ears so I can't hear you)?
Anyway, I'd think that after you were called out last June for claiming that Roth IRAs were tax deductible that you'd at least exercise a little more caution.
Hopefully no one takes what any one person on the internet says as gospel truth, and instead can do further research, and talk to professionals when needed. Whether it deals with finance, how to raise a child, or even medical issues (if one's having chest pains, and reads one post where someone described having chest pains that went away on their own...hopefully they don't say "ah, I'll just sleep it off then" without further research/consulting a professional). Then again, I can think of some people who would do just that....
I think you somehow misquoted me there, I believe the top part was meant to be an idea you wrote, and not mine. Regardless, that particular "error" was to do with terminology...deduction vs credit. I did explain, in detail (including forms used) how it came to be that my tax refund was higher due to me contributing to a Roth IRA. Anyways....
You said yourself that you'd never actually done the things you advise. Why don't you actually write about the stuff you've done, instead of writing about stuff you've read and then misinterpreted? People ask questions here because they don't know the answers. When you give answers and pretend to know (remember, you didn't actually say that you hadn't done them until after you were corrected), people who believe you can potentially get hurt. Why do you even bother put forth answers when you actually don't know what the answers are? Remember, you didn't couch your answer as an area to investigate. You pretty much said it was something that could be done. That's pretty unambiguous -- and wrong.
Perhaps part of the issue, which I will indeed work on (trying to think of the perfect signature that should take care of all angles), is that the particular posting was not actually meant to be advice. But rather..."hey, this is the only situation I can think of that you may possibly want to do such a crazy thing." Had it been meant to answer someone's actual question (other than my own rambling), I'm pretty sure I would have done some further research. Heck, even if I was about to answer that one could reduce your taxable income by upping your 401-k contribution, I'd double-check (as these darned tax laws seem to be constantly changing). I don't put as much fact-checking into my rambling hypothetical scenarios, I probably should.
Of course...the fact that I was wrong, just helped to strengthen my original point (that it's [usually] pretty silly to have a mortgage solely because there's a tax deduction...rather you should look at it a bit deeper than that). If I was in politics, I'm sure I could claim this as an overwhelming victory. But I'm not, so I'll just keep trying to come up with a signature to cover myself.
Edit: I addressed the part about putting forth answers I wasn't 100% sure of (didn't believe it applicable at the time, yes I need to rethink that, etc. etc.). But as for being part of the discussion; I like keeping myself informed (yes yes, I know you're already coming up with a scathing reply to that). Just because certain laws, rules, ideas, etc. don't apply to me now, doesn't mean they never will. And even if they don't...I still think that having a better understanding of a subject (in this case, IRS tax rules) can only be beneficial when dealing with the subject. So yeah...now knowing that 401-k contributions can indeed reduce your AGI, but not deductions such as mortgage interest, will presumably help me in my dealings with the IRS (even if they don't include 401-k and mortgage interest deductions).