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The point, though, is that it does make the opportunities to Tiger Parent highly seductive, this particular conundrum.

Yes. I agree. If you're in the sour spot (and especially, if you're in the sour spot and have been spending your money on the latest shiny because you are caught up in the mindset, and thus maybe you don't have all that much money, say, for retirement or what have you, even though your take-home is quite high), it's going to be easy to panic. I have a family member whose income is 3X what we make, but they are spending like mad on this and that. I don't see how it's going to work, really.

And actually, part of the reason we avoid the higher-paying options available to both of us is that I don't want to get on the treadmill. I'm familiar with the treadmill. Bleah.