If anyone finds themselves debating between these options I highly recommend you listen to this, it's a great quick summary: http://www.npr.org/sections/money/

If anyone finds themselves debating between these options I highly recommend you listen to this, it's a great quick summary: http://www.npr.org/sections/money/2016/03/04/469247400/episode-688-brilliant-vs-boring http://www.npr.org/sections/money/2016/03/04/469247400/episo...