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Agree totally, but some people ARE actually not living above their means, are asset rich, and have no cash. Of course, in Pieman's case there are the private school fees - which can be deleted by moving the kids to a Public/Gubbmint school (don't know his circumstances and he may be able to...

This is the type of comment we expect from the poor with the resentment chip on their shoulder about the rich.... I thought you were an aspiring rich and successful person PB, and surely above that mentality? I think Pieman is asset rich and cash poor at the moment by the sounds of it.