[vineyardmike]

> 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.

[gregshap]

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!

[vineyardmike]

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.