Then you’re certainly a domain expert in making that kind of calculation, so I do retract my comment. I do not, however, retract my assertion that nobody in a modern society should have to make that kind of calculation to such an extreme. $8k/year is hardcore, and if you’re doing that successfully, I both tip my hat to you and am a little horrified. I hope you’re doing it because you want to and not because you’re forced to.