Take a look at this editorial in this morning's Post. Go back and write for the style section, Joel. You're way out of your league when you tackle finance--high or personal. Surely there are periods in American history that can be pointed to wherein an investment in a passbook savings account exceeds the return gained in the stock market. We're living through that. But over the long haul? That's called "opportunity cost". And let's make a distinction here between the magical "appearance" of a bicycle and the purchase of a McMansion at ten times annual salary. The bicycle appeared, along with the other "objects of desire" BECAUSE wifey's mother was living within her means.