The 401(k) is savings, the equity in the house is savings, the extra $7K is gravy and it'd be $13K if they took one less vacation https://twitter.com/reformedbroker/status/845251220038193152 …
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It's always the kid stuff that gets ppl circling the wagons justifying. "W/o the v best programs how do I make sure Jr gets into Harvard?"
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I mean sure you have a point sort of but ensuring your own kid stays in the 1% isn't all that noble or altruistic a goal
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