Hi Robert,

Thanks for the well thought comment and the kind words about my writing. Glad to have you as a reader, I look forward to more discussion on future topics.

I agree with the other indirect costs you outline here. I’ll do a bit of research to see if I can find any papers that have tried to put a price tag on those costs. If I can find it, I’ll make an edit to the article and include those figures.

Thanks again!


Economic policy wonk by day. Personal finance writer by night. I write about investing, debt, and all things related to money. Editor of Making of a Millionaire

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