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> limited discretionary income and limited ability get money from the 'college' bucket to the discretionary bucket

He did say he was funding college from a margin loan on his stock portfolio, however.

Ha, didn't read that part. I wanted to attest to the experience of being a low budget student in a high cost-of-living city. The author might not necessarily be that!

He does go to school at UCLA, and said he was in NYC for the test, so he may be just a frequent traveler to high COL areas.

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