Once again, powayseller, you have missed the point for which you have been criticized.
You have also missed the point of the 50% salary increase comment. It isn’t a blanket statement about the state of salaries in San Diego. It was an example meant to show that different people are in different circumstances and it isn’t wise (or even possible) to judging individual cases without understanding the complete individual financial picture.
Furthermore, it is also not wise to use your judgement of individual cases (the entire background of which you don’t know) to prove a point.
Going on and on in your Hybrid Time Bomb posts only shows you didn’t understand this. We understand the ARM, I/O, HELOC time bomb. We don’t disagree. We just think you have misused the example of the health care technician.