Once upon a time, there were three brothers, triplets, named Tom, Dick, and Harry class.

They were raised in the same home with the same parents, had the same IQ, same skills,

and same opportunities.

Each was married and had two children.

They were all carpenters making $25 per hour.

While they were very similar in all these respects, they had different priorities.

For example, Tom chose to work 20 hours per week, while his brother Dick worked 40 hours

and Harry, 60.

It should also be noted that Harry's wife worked full time as an office manager for a salary

of $50,000.

Dick's wife sold real estate part-time 10 hours a week and made $25,000 per year.

Tom's wife did not work.

Tom and Dick spent all of their family income.

As they paid into social security, they figured they didn't need to save for retirement.

Harry and his wife, on the other hand, had over many years put away money each month

and invested it in stocks and bonds.

Here's how it worked out.

Tom made $25,000 a year.

Dick and his wife made $75,000 and Harry and his wife $150,000.

In a new housing development opened up in their community, the brothers decided to buy

equally priced homes on the same private street.

One day, the brothers decided to pool their funds for the purpose of improving their

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