Private school or not

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Yes you can afford.
Be prepared for lifestyle creep as your child grows up with and begins to ask for what the 1% "haves" have.... they will be exposed to frequent electronics upgrades, sports, travel, cars, designer everything

OP is the 1% "haves."

No. You’re Clueless. OP is in the 3%. The 1% has another level of money. There is a difference between flying to Cabo for vacation and flying to Cabo on a private jet. There is a difference between getting one Cartier watch and getting a Cartier every Christmas.

We are in the 1% and have a seven figure HHI. We are not flying on private jets. We don’t even fly business class. We are still spending 30-40k for spring break flying economy plus for a family of five.

Same except I’m surprised your spring break is that expensive with exp flying economy.

Our economy plus tickets cost 15k. Hotels are 2k per night. Our spring break will probably end up being 40-50k, not 30-40. I didn’t really think about it until thing this out.

Where the heck are you going?

[Anonymous]

Must be the most overpriced tickets in the world or you have a huge family.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Yes you can afford.
Be prepared for lifestyle creep as your child grows up with and begins to ask for what the 1% "haves" have.... they will be exposed to frequent electronics upgrades, sports, travel, cars, designer everything

OP is the 1% "haves."

No. You’re Clueless. OP is in the 3%. The 1% has another level of money. There is a difference between flying to Cabo for vacation and flying to Cabo on a private jet. There is a difference between getting one Cartier watch and getting a Cartier every Christmas.

We are in the 1% and have a seven figure HHI. We are not flying on private jets. We don’t even fly business class. We are still spending 30-40k for spring break flying economy plus for a family of five.

Same except I’m surprised your spring break is that expensive with exp flying economy.

Our economy plus tickets cost 15k. Hotels are 2k per night. Our spring break will probably end up being 40-50k, not 30-40. I didn’t really think about it until thing this out.

So weird that people would spend $40K on spring break. Our family of 5 is flying from IAD to SYD in business class for 510K frequent flyer miles (FMV of $6200) and staying at the Park Hyatt in a duo combination of the Sydney Suite and a room with two twin beds for 5 nights at a cost of 400K Hyatt points (FMV of $6800) + $1000 USD. All our frequent flyer miles and hotel points are courtesy of DH’s business travel. That’s only $14K in effective spending plus maybe another $6K in meals, entertainment, and incidentals. That’s $20K max for an unbelievably luxurious spring break jaunt to the land down under. Only $7K of which is actual cash spent.

So, what kind of moron spends $40K for economy plus?!?!?

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Yes you can afford.
Be prepared for lifestyle creep as your child grows up with and begins to ask for what the 1% "haves" have.... they will be exposed to frequent electronics upgrades, sports, travel, cars, designer everything

OP is the 1% "haves."

No. You’re Clueless. OP is in the 3%. The 1% has another level of money. There is a difference between flying to Cabo for vacation and flying to Cabo on a private jet. There is a difference between getting one Cartier watch and getting a Cartier every Christmas.

We are in the 1% and have a seven figure HHI. We are not flying on private jets. We don’t even fly business class. We are still spending 30-40k for spring break flying economy plus for a family of five.

Same except I’m surprised your spring break is that expensive with exp flying economy.

Our economy plus tickets cost 15k. Hotels are 2k per night. Our spring break will probably end up being 40-50k, not 30-40. I didn’t really think about it until thing this out.

So weird that people would spend $40K on spring break. Our family of 5 is flying from IAD to SYD in business class for 510K frequent flyer miles (FMV of $6200) and staying at the Park Hyatt in a duo combination of the Sydney Suite and a room with two twin beds for 5 nights at a cost of 400K Hyatt points (FMV of $6800) + $1000 USD. All our frequent flyer miles and hotel points are courtesy of DH’s business travel. That’s only $14K in effective spending plus maybe another $6K in meals, entertainment, and incidentals. That’s $20K max for an unbelievably luxurious spring break jaunt to the land down under. Only $7K of which is actual cash spent.

So, what kind of moron spends $40K for economy plus?!?!?

+1. The same kind of morons that send their kids to private schools.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Yes you can afford.
Be prepared for lifestyle creep as your child grows up with and begins to ask for what the 1% "haves" have.... they will be exposed to frequent electronics upgrades, sports, travel, cars, designer everything

OP is the 1% "haves."

No. You’re Clueless. OP is in the 3%. The 1% has another level of money. There is a difference between flying to Cabo for vacation and flying to Cabo on a private jet. There is a difference between getting one Cartier watch and getting a Cartier every Christmas.

We are in the 1% and have a seven figure HHI. We are not flying on private jets. We don’t even fly business class. We are still spending 30-40k for spring break flying economy plus for a family of five.

Same except I’m surprised your spring break is that expensive with exp flying economy.

Our economy plus tickets cost 15k. Hotels are 2k per night. Our spring break will probably end up being 40-50k, not 30-40. I didn’t really think about it until thing this out.

So weird that people would spend $40K on spring break. Our family of 5 is flying from IAD to SYD in business class for 510K frequent flyer miles (FMV of $6200) and staying at the Park Hyatt in a duo combination of the Sydney Suite and a room with two twin beds for 5 nights at a cost of 400K Hyatt points (FMV of $6800) + $1000 USD. All our frequent flyer miles and hotel points are courtesy of DH’s business travel. That’s only $14K in effective spending plus maybe another $6K in meals, entertainment, and incidentals. That’s $20K max for an unbelievably luxurious spring break jaunt to the land down under. Only $7K of which is actual cash spent.

So, what kind of moron spends $40K for economy plus?!?!?

The fmv of 5 people flying business class to Sydney Australia is not $6200. You happen to have the miles which made this very affordable but most people don’t and most couldn’t afford this. also, I looked at just the cheapest suite that’s available at that hotel… Not even the second room with the twin beds… And it’s the equivalent of over $1600 a night. And then, of course, the last question is, why are you going to Australia for only five overnights? What industry is your husband in?

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Yes you can afford.
Be prepared for lifestyle creep as your child grows up with and begins to ask for what the 1% "haves" have.... they will be exposed to frequent electronics upgrades, sports, travel, cars, designer everything

OP is the 1% "haves."

No. You’re Clueless. OP is in the 3%. The 1% has another level of money. There is a difference between flying to Cabo for vacation and flying to Cabo on a private jet. There is a difference between getting one Cartier watch and getting a Cartier every Christmas.

We are in the 1% and have a seven figure HHI. We are not flying on private jets. We don’t even fly business class. We are still spending 30-40k for spring break flying economy plus for a family of five.

Same except I’m surprised your spring break is that expensive with exp flying economy.

Our economy plus tickets cost 15k. Hotels are 2k per night. Our spring break will probably end up being 40-50k, not 30-40. I didn’t really think about it until thing this out.

So weird that people would spend $40K on spring break. Our family of 5 is flying from IAD to SYD in business class for 510K frequent flyer miles (FMV of $6200) and staying at the Park Hyatt in a duo combination of the Sydney Suite and a room with two twin beds for 5 nights at a cost of 400K Hyatt points (FMV of $6800) + $1000 USD. All our frequent flyer miles and hotel points are courtesy of DH’s business travel. That’s only $14K in effective spending plus maybe another $6K in meals, entertainment, and incidentals. That’s $20K max for an unbelievably luxurious spring break jaunt to the land down under. Only $7K of which is actual cash spent.

So, what kind of moron spends $40K for economy plus?!?!?

The fmv of 5 people flying business class to Sydney Australia is not $6200. You happen to have the miles which made this very affordable but most people don’t and most couldn’t afford this. also, I looked at just the cheapest suite that’s available at that hotel… Not even the second room with the twin beds… And it’s the equivalent of over $1600 a night. And then, of course, the last question is, why are you going to Australia for only five overnights? What industry is your husband in?

Need to learn to play the points game, my friend! If you’re not in it, you really shouldn’t be traveling to distant locations in the first place. Why for only five nights? Oh, geez, let me think…. Maybe because it’s over spring break and we don’t want our kids missing school for a vacation?!?! Our family travels to pretty much every continent at least once per year, so it’s not like visiting Australia needs to be some once in a lifetime 1-month experience. DH is a C-suite executive in the aerospace industry. I’m a sales director for a software company. And I guess for the purposes of this thread, our HHI (including equity compensation) is $1.2M and we don’t see value in spending any of that on private schools.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Yes you can afford.
Be prepared for lifestyle creep as your child grows up with and begins to ask for what the 1% "haves" have.... they will be exposed to frequent electronics upgrades, sports, travel, cars, designer everything

OP is the 1% "haves."

No. You’re Clueless. OP is in the 3%. The 1% has another level of money. There is a difference between flying to Cabo for vacation and flying to Cabo on a private jet. There is a difference between getting one Cartier watch and getting a Cartier every Christmas.

We are in the 1% and have a seven figure HHI. We are not flying on private jets. We don’t even fly business class. We are still spending 30-40k for spring break flying economy plus for a family of five.

Same except I’m surprised your spring break is that expensive with exp flying economy.

Our economy plus tickets cost 15k. Hotels are 2k per night. Our spring break will probably end up being 40-50k, not 30-40. I didn’t really think about it until thing this out.

So weird that people would spend $40K on spring break. Our family of 5 is flying from IAD to SYD in business class for 510K frequent flyer miles (FMV of $6200) and staying at the Park Hyatt in a duo combination of the Sydney Suite and a room with two twin beds for 5 nights at a cost of 400K Hyatt points (FMV of $6800) + $1000 USD. All our frequent flyer miles and hotel points are courtesy of DH’s business travel. That’s only $14K in effective spending plus maybe another $6K in meals, entertainment, and incidentals. That’s $20K max for an unbelievably luxurious spring break jaunt to the land down under. Only $7K of which is actual cash spent.

So, what kind of moron spends $40K for economy plus?!?!?

The fmv of 5 people flying business class to Sydney Australia is not $6200. You happen to have the miles which made this very affordable but most people don’t and most couldn’t afford this. also, I looked at just the cheapest suite that’s available at that hotel… Not even the second room with the twin beds… And it’s the equivalent of over $1600 a night. And then, of course, the last question is, why are you going to Australia for only five overnights? What industry is your husband in?

No, the fair market value of 510,000 frequent flyer miles is $6200. Using them to buy business class tickets to Australia is what allows them to deliver outsized value. Cash prices for the same five tickets are usually around $45K. So, anyone not playing the points game is just a dummy.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Yes you can afford.
Be prepared for lifestyle creep as your child grows up with and begins to ask for what the 1% "haves" have.... they will be exposed to frequent electronics upgrades, sports, travel, cars, designer everything

OP is the 1% "haves."

No. You’re Clueless. OP is in the 3%. The 1% has another level of money. There is a difference between flying to Cabo for vacation and flying to Cabo on a private jet. There is a difference between getting one Cartier watch and getting a Cartier every Christmas.

We are in the 1% and have a seven figure HHI. We are not flying on private jets. We don’t even fly business class. We are still spending 30-40k for spring break flying economy plus for a family of five.

Same except I’m surprised your spring break is that expensive with exp flying economy.

Our economy plus tickets cost 15k. Hotels are 2k per night. Our spring break will probably end up being 40-50k, not 30-40. I didn’t really think about it until thing this out.

So weird that people would spend $40K on spring break. Our family of 5 is flying from IAD to SYD in business class for 510K frequent flyer miles (FMV of $6200) and staying at the Park Hyatt in a duo combination of the Sydney Suite and a room with two twin beds for 5 nights at a cost of 400K Hyatt points (FMV of $6800) + $1000 USD. All our frequent flyer miles and hotel points are courtesy of DH’s business travel. That’s only $14K in effective spending plus maybe another $6K in meals, entertainment, and incidentals. That’s $20K max for an unbelievably luxurious spring break jaunt to the land down under. Only $7K of which is actual cash spent.

So, what kind of moron spends $40K for economy plus?!?!?

The fmv of 5 people flying business class to Sydney Australia is not $6200. You happen to have the miles which made this very affordable but most people don’t and most couldn’t afford this. also, I looked at just the cheapest suite that’s available at that hotel… Not even the second room with the twin beds… And it’s the equivalent of over $1600 a night. And then, of course, the last question is, why are you going to Australia for only five overnights? What industry is your husband in?

No, the fair market value of 510,000 frequent flyer miles is $6200. Using them to buy business class tickets to Australia is what allows them to deliver outsized value. Cash prices for the same five tickets are usually around $45K. So, anyone not playing the points game is just a dummy.

most don’t have that many miles, who goes to Australia for 5 nights with kids and how was the hotel so cheap?

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Yes you can afford.
Be prepared for lifestyle creep as your child grows up with and begins to ask for what the 1% "haves" have.... they will be exposed to frequent electronics upgrades, sports, travel, cars, designer everything

OP is the 1% "haves."

No. You’re Clueless. OP is in the 3%. The 1% has another level of money. There is a difference between flying to Cabo for vacation and flying to Cabo on a private jet. There is a difference between getting one Cartier watch and getting a Cartier every Christmas.

We are in the 1% and have a seven figure HHI. We are not flying on private jets. We don’t even fly business class. We are still spending 30-40k for spring break flying economy plus for a family of five.

Same except I’m surprised your spring break is that expensive with exp flying economy.

Our economy plus tickets cost 15k. Hotels are 2k per night. Our spring break will probably end up being 40-50k, not 30-40. I didn’t really think about it until thing this out.

So weird that people would spend $40K on spring break. Our family of 5 is flying from IAD to SYD in business class for 510K frequent flyer miles (FMV of $6200) and staying at the Park Hyatt in a duo combination of the Sydney Suite and a room with two twin beds for 5 nights at a cost of 400K Hyatt points (FMV of $6800) + $1000 USD. All our frequent flyer miles and hotel points are courtesy of DH’s business travel. That’s only $14K in effective spending plus maybe another $6K in meals, entertainment, and incidentals. That’s $20K max for an unbelievably luxurious spring break jaunt to the land down under. Only $7K of which is actual cash spent.

So, what kind of moron spends $40K for economy plus?!?!?

The fmv of 5 people flying business class to Sydney Australia is not $6200. You happen to have the miles which made this very affordable but most people don’t and most couldn’t afford this. also, I looked at just the cheapest suite that’s available at that hotel… Not even the second room with the twin beds… And it’s the equivalent of over $1600 a night. And then, of course, the last question is, why are you going to Australia for only five overnights? What industry is your husband in?

Need to learn to play the points game, my friend! If you’re not in it, you really shouldn’t be traveling to distant locations in the first place. Why for only five nights? Oh, geez, let me think…. Maybe because it’s over spring break and we don’t want our kids missing school for a vacation?!?! Our family travels to pretty much every continent at least once per year, so it’s not like visiting Australia needs to be some once in a lifetime 1-month experience. DH is a C-suite executive in the aerospace industry. I’m a sales director for a software company. And I guess for the purposes of this thread, our HHI (including equity compensation) is $1.2M and we don’t see value in spending any of that on private schools.

There is no frequent flyer points “game”. You are either a road slave for decades or wealthy and a big spender, at which point the points “game” is moot. Business Class to Sydney for 5 is about $50k.

[Anonymous]

Anonymous wrote:

Anonymous wrote:I understand that private school is for families with 800k+ HHI. I know that in ten years children will be mostly attending the same schools and in twenty years most of them will be working at the same places making similar salaries. But both child and I LOVE the school. We are a fed family so making 300s. Market has bumped up our retirement to 1m and brokerage to another 1m. Some 529 that can also be tapped. Home is almost paid off and 2 investment properties. Can we afford 60k tuition and fees for 4 years for one child? Obviously no FA.

Correction. Private school is mostly for families that want to pretend they have an HHI of 800k+. It is an unusual club that materialistic and weak-minded individuals aspire to join in a vain attempt to achieve elite separation. Most amusing is that so many unenlightened individuals flaunt private school like a badge of honor when, in fact, it is a veritable cone of shame. Every kid that attends might as well be wearing a t-shirt that reads: “I couldn’t hack it in the real world, so my parents outsourced my upbringing to this incestuous place.”

😂

Yes, you definitely sounds like a mentally healthy person without issues.

[Anonymous]

my kids did private for K-8. Once my oldest went to high school i realized how warped and distorted his and our reality was. I’m glad he has “normal” friends now and not little princes and princesses who live in castles. None of his peers were down to earth and their parents were vapid. I don’t think the environment is healthy. Of course you have the money. We are also very grateful our kids had a very solid education for k-8 which set them up for success. My oldest kid is now off to UVA a school many of his peers in private got rejected from.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Yes you can afford.
Be prepared for lifestyle creep as your child grows up with and begins to ask for what the 1% "haves" have.... they will be exposed to frequent electronics upgrades, sports, travel, cars, designer everything

OP is the 1% "haves."

No. You’re Clueless. OP is in the 3%. The 1% has another level of money. There is a difference between flying to Cabo for vacation and flying to Cabo on a private jet. There is a difference between getting one Cartier watch and getting a Cartier every Christmas.

We are in the 1% and have a seven figure HHI. We are not flying on private jets. We don’t even fly business class. We are still spending 30-40k for spring break flying economy plus for a family of five.

Same except I’m surprised your spring break is that expensive with exp flying economy.

Our economy plus tickets cost 15k. Hotels are 2k per night. Our spring break will probably end up being 40-50k, not 30-40. I didn’t really think about it until thing this out.

So weird that people would spend $40K on spring break. Our family of 5 is flying from IAD to SYD in business class for 510K frequent flyer miles (FMV of $6200) and staying at the Park Hyatt in a duo combination of the Sydney Suite and a room with two twin beds for 5 nights at a cost of 400K Hyatt points (FMV of $6800) + $1000 USD. All our frequent flyer miles and hotel points are courtesy of DH’s business travel. That’s only $14K in effective spending plus maybe another $6K in meals, entertainment, and incidentals. That’s $20K max for an unbelievably luxurious spring break jaunt to the land down under. Only $7K of which is actual cash spent.

So, what kind of moron spends $40K for economy plus?!?!?

Yawn….this trip is so unoriginal. Going to Australia and staying at the same hotel in Sydney the entire time, really?

[Anonymous]

Weird. At private school my kid hasn’t encountered a single crown or ermine robe. But he has learned cursive, had zero disruptive students in the classroom, attended steadily through Covid, and generally had a warm and responsive environment in which to learn. Couldn’t be happier with the education he’s gotten.

I’m sorry your private school was awful, it’s but it’s odd that you stayed there so long if it was that bad. And it’s odder that you think that all private schools must be that way because the one you chose was.

A lot of people seem full of rage about the educational choices of the other people make for their own children. I don’t get it. Do what works for your family.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Yes you can afford.
Be prepared for lifestyle creep as your child grows up with and begins to ask for what the 1% "haves" have.... they will be exposed to frequent electronics upgrades, sports, travel, cars, designer everything

OP is the 1% "haves."

No. You’re Clueless. OP is in the 3%. The 1% has another level of money. There is a difference between flying to Cabo for vacation and flying to Cabo on a private jet. There is a difference between getting one Cartier watch and getting a Cartier every Christmas.

We are in the 1% and have a seven figure HHI. We are not flying on private jets. We don’t even fly business class. We are still spending 30-40k for spring break flying economy plus for a family of five.

Same except I’m surprised your spring break is that expensive with exp flying economy.

Our economy plus tickets cost 15k. Hotels are 2k per night. Our spring break will probably end up being 40-50k, not 30-40. I didn’t really think about it until thing this out.

So weird that people would spend $40K on spring break. Our family of 5 is flying from IAD to SYD in business class for 510K frequent flyer miles (FMV of $6200) and staying at the Park Hyatt in a duo combination of the Sydney Suite and a room with two twin beds for 5 nights at a cost of 400K Hyatt points (FMV of $6800) + $1000 USD. All our frequent flyer miles and hotel points are courtesy of DH’s business travel. That’s only $14K in effective spending plus maybe another $6K in meals, entertainment, and incidentals. That’s $20K max for an unbelievably luxurious spring break jaunt to the land down under. Only $7K of which is actual cash spent.

So, what kind of moron spends $40K for economy plus?!?!?

We are flying to Asia. We are not morons. A business class seat would have cost an extra $10k each person.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Yes you can afford.
Be prepared for lifestyle creep as your child grows up with and begins to ask for what the 1% "haves" have.... they will be exposed to frequent electronics upgrades, sports, travel, cars, designer everything

OP is the 1% "haves."

No. You’re Clueless. OP is in the 3%. The 1% has another level of money. There is a difference between flying to Cabo for vacation and flying to Cabo on a private jet. There is a difference between getting one Cartier watch and getting a Cartier every Christmas.

We are in the 1% and have a seven figure HHI. We are not flying on private jets. We don’t even fly business class. We are still spending 30-40k for spring break flying economy plus for a family of five.

Same except I’m surprised your spring break is that expensive with exp flying economy.

Our economy plus tickets cost 15k. Hotels are 2k per night. Our spring break will probably end up being 40-50k, not 30-40. I didn’t really think about it until thing this out.

So weird that people would spend $40K on spring break. Our family of 5 is flying from IAD to SYD in business class for 510K frequent flyer miles (FMV of $6200) and staying at the Park Hyatt in a duo combination of the Sydney Suite and a room with two twin beds for 5 nights at a cost of 400K Hyatt points (FMV of $6800) + $1000 USD. All our frequent flyer miles and hotel points are courtesy of DH’s business travel. That’s only $14K in effective spending plus maybe another $6K in meals, entertainment, and incidentals. That’s $20K max for an unbelievably luxurious spring break jaunt to the land down under. Only $7K of which is actual cash spent.

So, what kind of moron spends $40K for economy plus?!?!?

The fmv of 5 people flying business class to Sydney Australia is not $6200. You happen to have the miles which made this very affordable but most people don’t and most couldn’t afford this. also, I looked at just the cheapest suite that’s available at that hotel… Not even the second room with the twin beds… And it’s the equivalent of over $1600 a night. And then, of course, the last question is, why are you going to Australia for only five overnights? What industry is your husband in?

Need to learn to play the points game, my friend! If you’re not in it, you really shouldn’t be traveling to distant locations in the first place. Why for only five nights? Oh, geez, let me think…. Maybe because it’s over spring break and we don’t want our kids missing school for a vacation?!?! Our family travels to pretty much every continent at least once per year, so it’s not like visiting Australia needs to be some once in a lifetime 1-month experience. DH is a C-suite executive in the aerospace industry. I’m a sales director for a software company. And I guess for the purposes of this thread, our HHI (including equity compensation) is $1.2M and we don’t see value in spending any of that on private schools.

I’m not sure if you are the one who called me a moron for flying economy plus to Asia for $15k. We flew to the Caribbean for winter break for 10k also economy plus.

We have a HHI of $2-3m and our kids also attend public.

I only commented about private jets on 800k income. You are not flying private on that income and not in our income either.