I admit it is a difficult call. The US economy, not to mention global economy has been going south for a long while. Unless changes immediately are made, this may continue. I have seen little evidence that anyone in power is willing to really make changes that need to be made for the broader population, instead of the elite few. So the money issue is a real one. When you factor in multiple sw packages, hw and other expenses, it can add up real fast.

No need to think outside the box....
    Just make it invisible.