Second that, and in the north central US it takes real hardcore riders to brave the snow and ice on mountain or fatbikes in the winter.
Having said that: Zwift + decent road/TT bike + power pedal/feedback trainer is more cost-effective in the long run and you get to actually take your bike outside on rides (gasp) to boot. Not sure why people like to watch some instructor sweat - give me nice scenery with other actual riders any day.
Zwift also happens to work for running with a treadmill and supported foot pod, but I haven't tried this yet. It's easier to run outside in the winter than to cycle outside in the winter!
I think the real point is how parents can help their children win the game according to its current rules, not what post-secondary education finance policy is or should be.
Personally, I think the economy would benefit from appropriate government-financed post-secondary education for those students that show an aptitude for it. However, I suspect that a test-based system similar to that employed in Europe or elsewhere is politically untenable here ("I should have the freedom to choose to go $336k* into debt at an elite photography school!")
(*NB: I wish I was making that number up but there was someone that actually made this choice a number of years back.)
_The Economist_ has had several articles on countries that have experimented (temporarily) with negative interest rates and concluded those experiments didn't have much of an effect on those countries' respective economies.
Whatever your view of the Fed is they are generally smart and well-read people who have probably also read those articles or the research papers backing them, so I think it's unlikely that interest rates will ever go negative.
Strangely enough that proposal was floated around in earlier versions of the currently proposed tax bill: the 401(k) yearly contribution cap was going to drop from $18,000/year to $2,400/year. That would have driven savings into Roth 401(k)s/Roth IRAs so that the tax income would be realized sooner rather than later.
I currently save at a 50/50 mix of 401(k)/Roth 401(k) just in case the scenario you described comes true. I expect that as I age I'll contribute more post-tax dollars to my Roth and fewer to my 401(k).
Having said that: Zwift + decent road/TT bike + power pedal/feedback trainer is more cost-effective in the long run and you get to actually take your bike outside on rides (gasp) to boot. Not sure why people like to watch some instructor sweat - give me nice scenery with other actual riders any day.
Zwift also happens to work for running with a treadmill and supported foot pod, but I haven't tried this yet. It's easier to run outside in the winter than to cycle outside in the winter!