I think he covers your points in this post - http://www.mrmoneymustache.com/2013/04/29/frequently-complained-questions/ http://www.mrmoneymustache.com/2013/04/2

I think he covers your points in this post - http://www.mrmoneymustache.com/2013/04/29/frequently-complained-questions/ http://www.mrmoneymustache.com/2013/04/29/frequently-complai...