That's actually a REALLY GOOD F'ING IDEA.
Tell her I said so.
That's legit, good advice.
Most normies can't save $ on their own is the problem.
Sad and utterly pathetic but true.
Also, progressive income tax is set up that way on purpose. Take a little dip every month.
BECAUSE: When the average Joe finds out how much they would have to
cut a check for at the end of the year,
they would SHIT BRICKS AND F'ING REVOLT!!