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I'm not going to argue with your math. I didn't look at it at all, in fact. I didn't read beyond this first line. Because I don't disagree with the math.

But this is personal finance. PERSONAL.

We can't take emotions out of the way precisely because it is intensely emotional. Personal finance is wrapped up and dripping with emotion. It's soaking in emotion.

Peter, the line I use (a LOT) is: "Numbers are simple. People are complicated." Feel free to steal it if you want.

-synchronicity, doesn't know nuthin' 'bout all this financial stuff, no sirree, and certainly don't know no 'rithmetic.
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