Of the $26k (110+10+10 != 140), $4k is actual costs out of your pocket, i.e. comes out off whatever you earn after taxes. So look at the benefits you gain fro

Of the $26k (110+10+10 != 140), $4k is actual costs out of your pocket, i.e. comes out off whatever you earn after taxes. So look at the benefits you gain from that extra money.