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Honestly, who cares? One of the nice things about saving and LBYM is that you have more time and resources available to please yourself. My DW quit before we had kids and set up a small business in her field that she continues with today. Its a nice way for her to stay active in her field, make a small amount of money, and have a little adult contact that doesn't involve play dates. Laurence's DW is doing something similar.
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"And Jesus spake, 'Become thou now fishers of adjustable rate mortgages'" - New Conservative Bible
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