Burdens

In this column you name what each person actually pays if the plan works exactly as hoped: hours, dollars, effort, freedom given up. These are the certain costs, not the things that might go wrong, and they often land on someone other than the decider.

In this column you name what each person actually pays if the plan works exactly as hoped: hours, dollars, effort, freedom given up. These are the certain costs, not the things that might go wrong, and they often land on someone other than the decider.

Example

On the house grid: you carry a 70-minute commute each way, about 11 hours a week. Your spouse carries $900 more per month in mortgage payment. The kids carry losing their two neighborhood friends. Your future selves carry a savings rate cut to 4%.