Shawn,  You walked into a bear trap that has been baited for many years.  We know one another around here pretty good and have long standing jokes or comments that can and are used in various situations.  Many are very predictable.  Bitterness/ Not Really, it is actual facts that we have seen in the real world.  It only tells the truth.  Many to Most around here are self made individuals that have survived from being in the trench's. If taking $200,000 and making a living was that easy to explain we would not be joking about it.  That's the issue plain and simple.  It's not Bitterness it is Reality.  $200,000 might get one a hobby or self directed IRA investment style program. Ten times that to make a full time living today.  I think you had some fantastic replies.  Share with us your plan.