<p>taxguy - nice bit of reductionism, there.</p>
<p>AspiringIn Salem - obviously, anyone who has $50,000 a year to invest in any way they like, by definition, exists in an alternate reality from either you or abl (or, I for that matter.) Under that scenario Wes would not be much of a stretch. The family for whom it would be a stretch would be the one (as abl describes) for whom $50,000 represents not an opportunity cost but a real loss in standard of living. That means, in the here and now – not, in forty years.</p>