jerome

[jerome]

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I assume it’s one of those “trying to throw you off” type of extra info that is not needed for anything. It says “as part of his normal expenses”, and I would assume that if they explicitly say he is able to save 25k/yr, then his net income could not be negative 5k as that would be incongruent with a positive savings rate.

[jerome]

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I don’t have a college degree…. I head MBS research at a boutique analytics firm and my competition are some of the most well recognized analysts in the field, so I feel like I need some kind of credentials when many of my peers have PhDs from top 10 schools.

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