Oh, if we had goals and targets too.
See, that’s the problem that so many of us make, and definitely one that the legislators and zealots make A LOT. There is no single right way, no single best solution. Each of us has different goals, different skills, different resources, and different motivations; and that doesn’t even take into account different cash flow and different climates and different environments. Given all the unique factors that an individual must take into account, how can we expect to have a single right answer? We simply can’t, it’s just not realistic. We each need to figure out what we need to do for our desired situation and then determine how to best achieve it based on our individual parameters.