Once upon a time there were three little pigs. Eventually, the time came for them to leave home and seek their fortunes.
The first little pig graduated with a bachelor's degree in Babylonian Archeology and took the first job offered. He soon purchased a home with little money down and filled it with flat screens bought on credit.
The second little pig graduated, became a doctor, and bought the biggest home that he could (barely) afford. He made a lot of money and spent it as quickly as possible.
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Vollmer's article, The Three Little Pigs Economy, published in Seeking Alpha.
