This list is awesome! Just when I thought beer couldn't get any more useful or wonderful. That said, here is an additional use: Stoofvlees - Belgian Beef Beer Stew!
I've traveled a far amount and there is nothing quite as irritating as having an uncomfortable or ill-suited bag, and I definitely agree that the ideal bag needs to be able to roll (which works for most surfaces), but is also easy and comfortable to carry over cobblestones and other uneven ground. And of course, it would be nice if it was somewhat attractive as well!
3Luxe (a curated shopping site) lists three quality roller bags, but I like the Load Warrior LT 25 from Eagle Creek for my purposes: Load Warrior from Eagle Creek. However, it is on the sporty side. The same site also lists the FlightPro Expandable Rollaboard, which is probably more suitable for business travel.
Both of the things that you mentioned that the kids eat like crack contain HFCS. I have been scouring the net and finding studies that say that HFCS hinders the feeling of fullness and makes you crave it. It also stores in the liver as fat. In fact, people who have eaten "normal" quantities of it have had their livers show up as fatty and appearing to have cirrohsis (spelling) which is the same as a long-term alcoholic.
It is good that you don't buy it...even though many people consider it natural and call it "sugar," it is not. It is poison and completely manufactured. Wretched stuff.
I think this is great advice for people that are looking to save some money, but I think it misses the most important part of college. For me, that was the entire experience - living away from home, being on my own, meeting people from all over the country and the world, experiencing a new place...that wouldn't have happened if I had looked for the cheapest way out.
I'm currently in Grad School at UMass Boston, and I'm doing that for the cost factor. I firmly believe that you can get a good education almost anywhere and I don't think it's at all necessary for me to spend $40k/year for a master's in education. BUT, I wouldn't trade my undergrad experience for the world - even though my degree was essentially useless (Art History) the rest of Tulane was amazing. I do wish that I had gotten more involved in on campus activities and organizations, but even without that, just the experience of living in New Orleans with a bunch of other people was fabulous.
It's also important to point out that at the time Tulane went for about $30k/year - not cheap - and UMass went for about $11k/year but when all was said and done UMass wanted me to pay $9k/year cash (with $2k in loans) vs. $5k/year cash with $5k in loans for Tulane. I came out $20k in debt - but the cost was essentially the same and the initial out of pocket expense was significantly cheaper in New Orleans. And I got to live in New Orleans instead of Amherst in the snow.
So, have a plan, but definitely apply to a variety of schools in a variety of places and find the one that fits. If you're just going for the piece of paper, by all means, do it the quickest and cheapest way you can - but remember that's not all there is to a college experience.
I am 100% in agreement w/ buying items used. As someone with A.D.H.D., I usually get bored wit most items anyways so why pay brand new?
This probably affects me most in the Car and "extras" department. I usually scour Craigslist, eBay, and the like for hours until i find the perfect car. Only to want a different one 1-2 years later :) Same thing goes w/ items like guitars, video games, etc.
Although i don't buy many clothes used per se, i do frequent Rugged Wearhouse and Filene's Basement as they have mad discounts on nice quality stuff. And they're not used, just last year's "fashion".
We have a place in town that repairs appliances and also sells used ones. They go through them, do any needed repairs and put a 1 year warranty on it. We got our washer & dryer that way. So that is one circumstance where I would buy a used major appliance.
I will buy used furniture if it is solid wood. I'm a bit standoffish about upholstered furniture unless it is an antique or something. I have seen the way some people keep house and I don't want their cockroaches and fleas.
hmm Walmart didn't hire me. Went through a couple interviews (in a row, same day) then nothing. Don't know what they found wrong with me, but I'm as far from a druggie as you can get (not that I got far enough in the process for a blood test)
We were just discussing a bit about this in the Sociology course I'm taking tho, and there were 2 students that work at Walmart, plus one that's mother just quit there. They all said the minimum insurance they can get - for just them, no kids/family - cost them $45 a week (don't know what the difference would be from the above comment... state lived in??), and one of them said they just couldn't afford that, the other said she barely can and has a kid she can't afford to add to it.
So, um no, Walmart isn't the answer to minimum wage health coverage for everyone.
I recently moved and encouraged my roommate to buy a used washer / dryer. We haven't had any problems and we've both been happy with the purchase. Also, I bought a used TV from a yard sale for my room and only spent $5. We also got a used lawn mower that's been working out well.
My father worked in the rust belt for his whole life at one factory after another as they were shut down or moved south. I watched too much TV and as a result I knew how deprived I was. Yeah, I had an Atari and a bunch of hand held games; my mom was home to take care of me and drive me to my sporting events (YMCA membership), and I had a good bike. However, there was always something on the horizon, something I needed but didn't really know why. My father often wondered if I was secretly swapped for a Rockefeller's kid at the hospital maternity ward.
After high school, I joined the Army for college money. After 3 degrees, I think that I am finally done. But, what about the "dream", and where was that for my parents?
I don't make 6 figures a year. My wife doesn't work. We don't have cable. We live in an urban area close to work, and try to live a responsible life style.
I guess what I'm trying to say, like others here, is "live your dreams and not those sold to you". I have a great job doing what I love. My daughter has a great mother, who has time to be with her. We live in a comfortable house with adequate transportation and sufficient time off from work to enjoy the world around us.
Great article, and for the most part I agree with you, even though I don't exactly follow your advice...
My wife and I bought a new car in October. I took us a long time to weigh the pros and cons of new vs. used, and while there are tons of pros to buying used, there is also a ton of research that should be done. We did look at lightly used cars, but after trying to negotiate on them, I realized I could get a new model cheaper. And thats what we did. I ended up getting a new model cheaper than the used we looked at, plus the full warranty and piece of mind.
Also, my wife and I are in the process of building a new house. We looked at old homes, but we couldn't get away from making lists of what we would need to do to them so we would like them. After weighing what we would need to live through, and the prices, we were able to build a brand new house in a newer development for the same price as the "used" one's we were looking at.
Obviously my examples are gross exceptions (I was amazed at the Car when I was able to pull it off), and a great deal of research went into both decisions, but otherwise, great article!
Home equity line of credit credit cards!!! What a horrible idea is that? Borrowing against your house and then using it as a credit card. If you default, your house gets foreclosed. A home equity loan is much safer since it's a one-time lump sum, but the home equity line of credit on a plastic card is just a disaster waiting to happen. I can see someone frivolously spending it without even realizing it.
Check your local listings, but some places you can take a lot more than 12 hours of college classes by the time you finish high school. Also, if you're a senior and have wrapped up all your high school graduation requirements, you can consider taking a class or two at a local community college. I did several of these, and entered my freshman year with over 50 hours of college credit.
Taking community college classes that'll transfer to your school of choice is also a great way to save some money - the classes are usually cheaper, and you might have the option to live at home during that time.
I think the house depreciating $70k after a couple years is a huge exception rather than the norm. It really depends on the house price too. $70k off a $1M house is a lot different than $70k off of a $150k house.
In *general* houses do appreciate rather than depreciate. I would wager that a used house in that same area would have taken the same hit in value as a new one.
It may be a slightly better value to buy used though due to some of the "better than new" upgrades like storm doors, gutters, water softeners, etc.
As a person with pet allergies though, I found the peace of mind that no pet dander would be bothering me was well worth not having an existing storm door or water softener.
Gosh - the comparison he made was between a long commute and the VERY WORST MOST DANGEROUS city neighborhood in the country.
I live in what most suburbanites in my midwestern city would call the ghetto. In twelve years we have had one lawnmower stolen from our back yard after six months unlocked. A lot of the neighborhood is quite pretty, lot of owner-occupants, some beautiful housing stock.
Our commute downtown is... wait for it... two minutes. Five when traffic's bad. And our four-bedroom house cost less than half as much as a crappy suburban box.
As for the VERY WORST neighborhoods... they're as bad as they are because so many choose to live in the suburbs. All these wasted, blighted places were once solid working-class neighborhoods when our regional population was exactly the same, but not as spread out. And if the people who were moving to the outer ring - to farmland - and complaining about the stink of manure would instead colonize abandoned land near downtown and complain about something else, those neighborhoods would be friendly and safe again.
Our city has a major hospital center ringed with utter devastation, in turn adjacent to some of the better neighborhoods and first-ring suburbs. Almost everyone who works there drives at least twenty minutes home. If just one third of them lived within a mile of the hospital, it would create one huge contiguous desirable area equivalent to the best of the suburbs, with 17,000 fewer auto trips.
My wife and I had a similar crisis a few years back and are just now getting the "debt management program" notes off our credit reports. It's really true, most creditors see this as bankruptcy even though it's not.
It would be nice if creditors would just take your reduced payments and report you as current -- but noooooo, that would be too honorable! So they have to ding you for all you're worth, then wait 7 years to remove the derogatories.
My hubby is a full-time student and not only does it NOT cost money, we actually have a postive cashflow.
+ FAFSA provides us with a free ride due to our income.
+ He served in the military (National Guard). While he was inactive duty, we received about $700 per month while he attended college (not during the summer), and now that he is retired from the military we receive about $500 per month. This money is a stipend, it is not reliant on other financial aid.
+ He is studying nursing, and there are many individual scholarships. You can get a scholarship if you're Hispanic, if you have red hair, if you're from a certain neighborhood, if your name is John Jacob Jingleheimer Smith ("Hey! That's my name too!") We spent all night one night going through the booklet of nursing scholarships he got from the financial aid office and circling the ones that applied to him. Many are only for $50-500, but it adds up! Again, most of these scholarships are in the form of a check so they are not reliant on other financial aid you may receive.
We decided with these sources of income it would be worth it for him to study full-time (no job) to maximize his grades and therefore earning power once he graduates.
Scholarships are awesome. Never assume that one doesn't apply to you, and take everything you can get!
I've spoken to many people who bought used TVs only to see the tube pop a few months later. However, if they've worked out for you, that's great! More power to you.
As for clothes, I do have some second-hand jackets, shirts and so on, but the article is about items I try never to buy new, and it would be disingenuous for me to say that about clothes...I'd rather buy them new in sales. My doctor told me used shoes are just bad for your foot health and posture, and as he's got letters after his name, I follow his advice.
You don't mention clothes. My family has saved hundreds (thousands??) of dollars by buying 90% of our clothing from garage sales and Salvation Army over the past 10-15 years. And we also buy shoes that way. No one has suffered foot ailments from wearing someone else's shoes. Indeed, as young kids, some shoes were worn by three children before they were worn out enough to throw away.
May I respectfully disagree on the appliances? I think it is often worth it to buy them used.
I purchased a stove for $150. It was high-tech (digital) and like new - and with stoves, you can tell how much they have been used just by the chips and marks around the burners. This one was spotless inside and out, and has worked like new for me. It was owned by an old woman who lived in an apartment, purchased the stove, and couldn't cook much, and then died. It was sitting idle in the garage of her daughter until I took it off her grateful hands.
Likewise, I got my washer and dryer from my grandmother who was moving from her home into an assisted living facility.
There are plenty of people who come into appliances that they cannot then use for some reason, and these are perfectly fine.
Also, my television is 15 years old and still going strong.
I bought both my guitars used and completey forgot about including them. Musical instruments are a much better deal used, and most music stores have a used section. Thanks for reading Russell.
Musical instruments, too. High-quality musical instruments can last a lifetime, and if you have the ability to tell the difference between a good one and a dud (hint: there are people who know this stuff. They're worth the price) you can save a bundle.
My wife and I just invested $3k in an antique piano. This may sound frivolous, but music is deeply important to our entire family. A piano with an equivalent 'voice' would have cost $30k. Our repairman said that just having our upright in for service was slowing his sales of top-end grand pianos, because at 100 years old, it *still* beat the new models hands-down.
We've done the same with several other musical instruments, including french horns and guitars. You need to be a knowledgable buyer, but you can save huge amounts of cash on these outlays.
Get your parents/spouse to teach at the university of your choice. Nearly every university provides free or greatly reduced tuition to the dependents of its teaching staff.
I only just realized that this might be a possible back-up plan for getting my sons through their college years, should the savings plan I'm currently using not be enough. I've taught at the college level, and would be willing to go back to doing so in another 12 years when my sons would be ready to go.
This isn't a plan that everybody could use, but perhaps a few readers might consider it for their dependents.
Um, contractor? See, there's a hole in your theory. While I'm relieved that you're not having kids, if everyone did the same, no amount of earnings now would enable you to pay for care as you age. I mean, I'm not even talking doctors. I'm talking getting your diapers changed.
So the really important part of this genius financial plan would have to be suicide before debility. How many good years would you voluntarily cut short in order to avoid being caught flat-footed by a stroke, say?
This list is awesome! Just when I thought beer couldn't get any more useful or wonderful. That said, here is an additional use: Stoofvlees - Belgian Beef Beer Stew!
Here's a recipe: Stoofvlees
Enjoy!
I've traveled a far amount and there is nothing quite as irritating as having an uncomfortable or ill-suited bag, and I definitely agree that the ideal bag needs to be able to roll (which works for most surfaces), but is also easy and comfortable to carry over cobblestones and other uneven ground. And of course, it would be nice if it was somewhat attractive as well!
3Luxe (a curated shopping site) lists three quality roller bags, but I like the Load Warrior LT 25 from Eagle Creek for my purposes: Load Warrior from Eagle Creek. However, it is on the sporty side. The same site also lists the FlightPro Expandable Rollaboard, which is probably more suitable for business travel.
That last post was in reply to Lucille
Both of the things that you mentioned that the kids eat like crack contain HFCS. I have been scouring the net and finding studies that say that HFCS hinders the feeling of fullness and makes you crave it. It also stores in the liver as fat. In fact, people who have eaten "normal" quantities of it have had their livers show up as fatty and appearing to have cirrohsis (spelling) which is the same as a long-term alcoholic.
It is good that you don't buy it...even though many people consider it natural and call it "sugar," it is not. It is poison and completely manufactured. Wretched stuff.
I think this is great advice for people that are looking to save some money, but I think it misses the most important part of college. For me, that was the entire experience - living away from home, being on my own, meeting people from all over the country and the world, experiencing a new place...that wouldn't have happened if I had looked for the cheapest way out.
I'm currently in Grad School at UMass Boston, and I'm doing that for the cost factor. I firmly believe that you can get a good education almost anywhere and I don't think it's at all necessary for me to spend $40k/year for a master's in education. BUT, I wouldn't trade my undergrad experience for the world - even though my degree was essentially useless (Art History) the rest of Tulane was amazing. I do wish that I had gotten more involved in on campus activities and organizations, but even without that, just the experience of living in New Orleans with a bunch of other people was fabulous.
It's also important to point out that at the time Tulane went for about $30k/year - not cheap - and UMass went for about $11k/year but when all was said and done UMass wanted me to pay $9k/year cash (with $2k in loans) vs. $5k/year cash with $5k in loans for Tulane. I came out $20k in debt - but the cost was essentially the same and the initial out of pocket expense was significantly cheaper in New Orleans. And I got to live in New Orleans instead of Amherst in the snow.
So, have a plan, but definitely apply to a variety of schools in a variety of places and find the one that fits. If you're just going for the piece of paper, by all means, do it the quickest and cheapest way you can - but remember that's not all there is to a college experience.
I am 100% in agreement w/ buying items used. As someone with A.D.H.D., I usually get bored wit most items anyways so why pay brand new?
This probably affects me most in the Car and "extras" department. I usually scour Craigslist, eBay, and the like for hours until i find the perfect car. Only to want a different one 1-2 years later :) Same thing goes w/ items like guitars, video games, etc.
Although i don't buy many clothes used per se, i do frequent Rugged Wearhouse and Filene's Basement as they have mad discounts on nice quality stuff. And they're not used, just last year's "fashion".
At any rate, good post!
We have a place in town that repairs appliances and also sells used ones. They go through them, do any needed repairs and put a 1 year warranty on it. We got our washer & dryer that way. So that is one circumstance where I would buy a used major appliance.
I will buy used furniture if it is solid wood. I'm a bit standoffish about upholstered furniture unless it is an antique or something. I have seen the way some people keep house and I don't want their cockroaches and fleas.
hmm Walmart didn't hire me. Went through a couple interviews (in a row, same day) then nothing. Don't know what they found wrong with me, but I'm as far from a druggie as you can get (not that I got far enough in the process for a blood test)
We were just discussing a bit about this in the Sociology course I'm taking tho, and there were 2 students that work at Walmart, plus one that's mother just quit there. They all said the minimum insurance they can get - for just them, no kids/family - cost them $45 a week (don't know what the difference would be from the above comment... state lived in??), and one of them said they just couldn't afford that, the other said she barely can and has a kid she can't afford to add to it.
So, um no, Walmart isn't the answer to minimum wage health coverage for everyone.
I recently moved and encouraged my roommate to buy a used washer / dryer. We haven't had any problems and we've both been happy with the purchase. Also, I bought a used TV from a yard sale for my room and only spent $5. We also got a used lawn mower that's been working out well.
My father worked in the rust belt for his whole life at one factory after another as they were shut down or moved south. I watched too much TV and as a result I knew how deprived I was. Yeah, I had an Atari and a bunch of hand held games; my mom was home to take care of me and drive me to my sporting events (YMCA membership), and I had a good bike. However, there was always something on the horizon, something I needed but didn't really know why. My father often wondered if I was secretly swapped for a Rockefeller's kid at the hospital maternity ward.
After high school, I joined the Army for college money. After 3 degrees, I think that I am finally done. But, what about the "dream", and where was that for my parents?
I don't make 6 figures a year. My wife doesn't work. We don't have cable. We live in an urban area close to work, and try to live a responsible life style.
I guess what I'm trying to say, like others here, is "live your dreams and not those sold to you". I have a great job doing what I love. My daughter has a great mother, who has time to be with her. We live in a comfortable house with adequate transportation and sufficient time off from work to enjoy the world around us.
Paul,
Great article, and for the most part I agree with you, even though I don't exactly follow your advice...
My wife and I bought a new car in October. I took us a long time to weigh the pros and cons of new vs. used, and while there are tons of pros to buying used, there is also a ton of research that should be done. We did look at lightly used cars, but after trying to negotiate on them, I realized I could get a new model cheaper. And thats what we did. I ended up getting a new model cheaper than the used we looked at, plus the full warranty and piece of mind.
Also, my wife and I are in the process of building a new house. We looked at old homes, but we couldn't get away from making lists of what we would need to do to them so we would like them. After weighing what we would need to live through, and the prices, we were able to build a brand new house in a newer development for the same price as the "used" one's we were looking at.
Obviously my examples are gross exceptions (I was amazed at the Car when I was able to pull it off), and a great deal of research went into both decisions, but otherwise, great article!
-Daniel
www.youngandfrugal.com
Home equity line of credit credit cards!!! What a horrible idea is that? Borrowing against your house and then using it as a credit card. If you default, your house gets foreclosed. A home equity loan is much safer since it's a one-time lump sum, but the home equity line of credit on a plastic card is just a disaster waiting to happen. I can see someone frivolously spending it without even realizing it.
Check your local listings, but some places you can take a lot more than 12 hours of college classes by the time you finish high school. Also, if you're a senior and have wrapped up all your high school graduation requirements, you can consider taking a class or two at a local community college. I did several of these, and entered my freshman year with over 50 hours of college credit.
Taking community college classes that'll transfer to your school of choice is also a great way to save some money - the classes are usually cheaper, and you might have the option to live at home during that time.
I think the house depreciating $70k after a couple years is a huge exception rather than the norm. It really depends on the house price too. $70k off a $1M house is a lot different than $70k off of a $150k house.
In *general* houses do appreciate rather than depreciate. I would wager that a used house in that same area would have taken the same hit in value as a new one.
It may be a slightly better value to buy used though due to some of the "better than new" upgrades like storm doors, gutters, water softeners, etc.
As a person with pet allergies though, I found the peace of mind that no pet dander would be bothering me was well worth not having an existing storm door or water softener.
Gosh - the comparison he made was between a long commute and the VERY WORST MOST DANGEROUS city neighborhood in the country.
I live in what most suburbanites in my midwestern city would call the ghetto. In twelve years we have had one lawnmower stolen from our back yard after six months unlocked. A lot of the neighborhood is quite pretty, lot of owner-occupants, some beautiful housing stock.
Our commute downtown is... wait for it... two minutes. Five when traffic's bad. And our four-bedroom house cost less than half as much as a crappy suburban box.
As for the VERY WORST neighborhoods... they're as bad as they are because so many choose to live in the suburbs. All these wasted, blighted places were once solid working-class neighborhoods when our regional population was exactly the same, but not as spread out. And if the people who were moving to the outer ring - to farmland - and complaining about the stink of manure would instead colonize abandoned land near downtown and complain about something else, those neighborhoods would be friendly and safe again.
Our city has a major hospital center ringed with utter devastation, in turn adjacent to some of the better neighborhoods and first-ring suburbs. Almost everyone who works there drives at least twenty minutes home. If just one third of them lived within a mile of the hospital, it would create one huge contiguous desirable area equivalent to the best of the suburbs, with 17,000 fewer auto trips.
But naw.
My wife and I had a similar crisis a few years back and are just now getting the "debt management program" notes off our credit reports. It's really true, most creditors see this as bankruptcy even though it's not.
It would be nice if creditors would just take your reduced payments and report you as current -- but noooooo, that would be too honorable! So they have to ding you for all you're worth, then wait 7 years to remove the derogatories.
My hubby is a full-time student and not only does it NOT cost money, we actually have a postive cashflow.
+ FAFSA provides us with a free ride due to our income.
+ He served in the military (National Guard). While he was inactive duty, we received about $700 per month while he attended college (not during the summer), and now that he is retired from the military we receive about $500 per month. This money is a stipend, it is not reliant on other financial aid.
+ He is studying nursing, and there are many individual scholarships. You can get a scholarship if you're Hispanic, if you have red hair, if you're from a certain neighborhood, if your name is John Jacob Jingleheimer Smith ("Hey! That's my name too!") We spent all night one night going through the booklet of nursing scholarships he got from the financial aid office and circling the ones that applied to him. Many are only for $50-500, but it adds up! Again, most of these scholarships are in the form of a check so they are not reliant on other financial aid you may receive.
We decided with these sources of income it would be worth it for him to study full-time (no job) to maximize his grades and therefore earning power once he graduates.
Scholarships are awesome. Never assume that one doesn't apply to you, and take everything you can get!
I've spoken to many people who bought used TVs only to see the tube pop a few months later. However, if they've worked out for you, that's great! More power to you.
As for clothes, I do have some second-hand jackets, shirts and so on, but the article is about items I try never to buy new, and it would be disingenuous for me to say that about clothes...I'd rather buy them new in sales. My doctor told me used shoes are just bad for your foot health and posture, and as he's got letters after his name, I follow his advice.
You don't mention clothes. My family has saved hundreds (thousands??) of dollars by buying 90% of our clothing from garage sales and Salvation Army over the past 10-15 years. And we also buy shoes that way. No one has suffered foot ailments from wearing someone else's shoes. Indeed, as young kids, some shoes were worn by three children before they were worn out enough to throw away.
May I respectfully disagree on the appliances? I think it is often worth it to buy them used.
I purchased a stove for $150. It was high-tech (digital) and like new - and with stoves, you can tell how much they have been used just by the chips and marks around the burners. This one was spotless inside and out, and has worked like new for me. It was owned by an old woman who lived in an apartment, purchased the stove, and couldn't cook much, and then died. It was sitting idle in the garage of her daughter until I took it off her grateful hands.
Likewise, I got my washer and dryer from my grandmother who was moving from her home into an assisted living facility.
There are plenty of people who come into appliances that they cannot then use for some reason, and these are perfectly fine.
Also, my television is 15 years old and still going strong.
I bought both my guitars used and completey forgot about including them. Musical instruments are a much better deal used, and most music stores have a used section. Thanks for reading Russell.
Musical instruments, too. High-quality musical instruments can last a lifetime, and if you have the ability to tell the difference between a good one and a dud (hint: there are people who know this stuff. They're worth the price) you can save a bundle.
My wife and I just invested $3k in an antique piano. This may sound frivolous, but music is deeply important to our entire family. A piano with an equivalent 'voice' would have cost $30k. Our repairman said that just having our upright in for service was slowing his sales of top-end grand pianos, because at 100 years old, it *still* beat the new models hands-down.
We've done the same with several other musical instruments, including french horns and guitars. You need to be a knowledgable buyer, but you can save huge amounts of cash on these outlays.
Get your parents/spouse to teach at the university of your choice. Nearly every university provides free or greatly reduced tuition to the dependents of its teaching staff.
I only just realized that this might be a possible back-up plan for getting my sons through their college years, should the savings plan I'm currently using not be enough. I've taught at the college level, and would be willing to go back to doing so in another 12 years when my sons would be ready to go.
This isn't a plan that everybody could use, but perhaps a few readers might consider it for their dependents.
Um, contractor? See, there's a hole in your theory. While I'm relieved that you're not having kids, if everyone did the same, no amount of earnings now would enable you to pay for care as you age. I mean, I'm not even talking doctors. I'm talking getting your diapers changed.
So the really important part of this genius financial plan would have to be suicide before debility. How many good years would you voluntarily cut short in order to avoid being caught flat-footed by a stroke, say?
Good blog, but that's not why I'm here.
I've changed my mind. Contact me.