The problem with all of this is that you have a ton of disposable income when you make this much money and live in Utah, even with student loans this large. Unl

The problem with all of this is that you have a ton of disposable income when you make this much money and live in Utah, even with student loans this large. Unless you are a dummy with money. C.f. the dude's enormous, expensive house, which, yes, is optional.