So I've been thinking about this a little more. Think about your average family around the US. Now think about their bank account. Compound the timing of Christmas and your average family provider would be asking for government handouts. That is the part of the puzzle I didn't understand before. Now I get it. If we lived paycheck to paycheck, I would be shitting bricks. So happy to be away from that college lifestyle, lol. I might take an extra week since I'm getting screwed out of my favorite deer season!