When you're going debt, that's when calculating the r o i an education make sense. There has to be an expected return on this money if i'm applying the word investment to it. I think we're discussing two separate concepts. On one hand, we're discussing how heather can be a good steward of this money. A second of inquiry is the semantic discussion around the word investment. And so if we don't conflate these two questions, leave the samantic discussion aside and ask, how can heatherby a good stewards of this money? Then i completely agree with you doing anything that would imp e her life.

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