imagine the carnage when rates go up, page-103

"UT I don't want to make it last because I can't take it with me.

If there's one thing more enjoyable than making money it's spending it."

That is fine Fat Bloater - if that is the way you want to live your life. FYI you can have a very enjoyable life on $40k if housing costs are already taken care of.

Yes UT that's how I like to "live" because I sure don't want to just "exist".

I like to spend as though I only have one life and will only be in good health for a few decades of it.

I certainly couldn't live on $40k let alone enjoy myself but if that floats your boat good luck.