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Posted by Math on 11/8/2018, 12:55 pm, in reply to "Re: Retiring
You're paying $18k for $33k, not for $15k. You pay for the $18k in 11 years, then get $15k more after that.
A 90% ROI is really, really good.
Actually, now that I think about it, why spend 18k for 15k? Screw that.