Move to the cold part and you won’t need it as much, either.

But MN is better in most ways and only a little more expensive

Dang where else can I get crayon-flavored sticks now

I don’t think I understand the metric.

If two people spend $10k a month, and person A puts it all on credits cards that they pay off every month without accruing interest, while person B uses physical dollar bills…

Does person A “accumulate” $120k per year in credit card “debt?”

I can’t tell what any of this means