Those who criticize or dissuade others from joining are infidels. 

Ideology "A", states "Unless you believe my way, you are an infidel and not worthy of living."

I believe that people, no matter their history whether it be drugs, lying, infidelity, or crime can change and become better.I believe that, no matter what their advantages, no human being is better than another.

Here are my current holdings: $28K in Money Market Savings $13K Roth IRA $10K in Wealthfront (90% stock / 10% bonds) $3.5K in Betterment (90% stock / 10% bonds) $46K in Fidelity Rollover IRA - Me $20K in Fidelity IRA - Wife No debt.

We've been married 11 years now with two kids, and I'm okay to leave it all to them if it all goes south (except in the case of infidelity).So I say...

@Tony Crabtree I haven't seen a lease yet that allows someone to leave due to infidelity.  

But for me, it was watching hard earned equity in 2006-7 get taxed (State, Federal, AMT) in half then watching those after-tax proceeds in Fidelity PAS accounts fall nearly in half again in the global recession of 2008-9.