My job is pretty safe. it’s gov’t / public safety. I’ve been there long enough that if layoffs occurred, as unlikely as that would be, I’m high enough up the ladder of seniority, that I’d never get let go.

Taxes are much higher in that area. Average of 1.7 – 1.8 % in most areas. That adds up. It is a tax writeoff, but it’s still money out of my pocket.