Business model yes. Also how about those that inherited money? Those that may have other business ventures on the side? How about your wife? Alot of things come into play. THere is a 22 year old kid here that used to help us part time. Daddy farms. He claims he saved close to $780K thru high school and 2 yr college - he just bought a dozer, excavator, 2 payloaders, a 2 trucks, 2 sidedumps and 2 lowboys. I told him I paid you too much - he has no debt - bottom line DADDY! There going to start playing in the dirt.