[tautog]

96 K is far more than most people make especially guys in their late 20s with 6 years on a not too difficult job, in the quietest towns in the Burbs, not major cities, and with limited education, who might not have a wife and kids yet. No real need to save for the future with a great pension and very good health benefits for life. Most lawyers and accountants in this country do not make 96 K with lesser benefits. Plus in Rumson, they all work around 10 hrs a week off the books making $42 an hr cash doing security for Bruce Springsteen. My cousin is a cop here and he drives a Humvee, has a nice boat, etc. Doesn't save a dime because the gubment will bail him out his old age.