lupo, I reread your post, it seems that you may have overlooked the part where I explained that I live in example of what I said, if you really doubt it's true come on down, have a look, I'll take you to work for a day, and afterward I'll show you my personal budget.........I live in a modest shack on a great rural location, have 2 great kids and some pretty neat toys.........I never inherited a dime nor had any inside scoop on a great job. I started out cutting fire trail and planting trees, and when I heard about better paying jobs I went and got the job because I worked as hard as I could. My wife is a homemaker and I feel sorry for anyone trying to raise a family without a fulltime homemaker.