[renewiltord]

That's the point.

> You'll have tough time getting 5x.

5x isn't tough. It's easy. In fact, better.com will give it to you right now.

[qes]

Ok, fair, but for the 80%+ of the U.S. that aren't high income earners 5x won't be as easy. I obviously didn't include a ton of nuance in my original post.