 You would laugh me out of the room. Even though I told you at the end of 8,320 hours you could earn $60,000 a year tax-free, which would be equivalent to $90,000 if you had taxable earned income like what you're going to earn. Because your $60,000 of earned income after four years is only going to be worth about $40,000 because you're going to pay 30% of it in taxes. Even if you're in the 25% tax bracket, you pay 7.5% Social Security and Medicare, so you're into the 30s no matter how you look at it.