The latter is very true. And for the former ... I likewise apologize if I was offensive.

And BTW -- I actually did appreciate your reply -- it reminded me of a lot of things to check.

I wouldn't exactly say my feathers were ruffled, because it's the internet and we're all big boys here. I just rolled my eyes a bit at what I felt was a bit of a condescending reply (intended or not), made note of the items you mentioned, and then responded in what I thought was kind.

Thanks again for your response. Especially the time you took to flesh out the second one.

Didn't mean to get into questions of elitism, BTW. There are people from many different tax brackets on this board with wildly divergent priorities on how they spend their money.