2105: "Well when you are a looser living on social security, every penny counts."
That hurt! I could write a book on my accomplishments during my 86+ years and I don't consider myself a looser, thank you. At one point of my life I was working 1 full time and 3 part time jobs to provide us a livable future with savings and investments. Those are dwindling with each year that passes so, needless to say, no big purchases in sight.
We got our tickets in the early 60's when times were a lot better than the way it'll be in the very near future with higher taxes in sight and blue cities needing rebuilt with those funds, and being on a fixed income, we won't be doing any big buck spending. There's too many 'grasshoppers' out there that we have to feed and house which puts the squeeze on most hard worker's wallets.
The "penny a day" is ok for us, but I'd have to see proof of a license from you before I could even try to think you aren't completely without cranial filler. (No, that isn't sarcasm, it's realism.) No offense, of course.

Charlie, K3UIM