Once upon a time, there were three brothers, triplets, named Tom, Dick, and Harry Class.
They were raised in the same home, with the same parents, had the same IQ, same skills and same opportunities.
Each was married and had two children.
They were all carpenters making $25 per hour.
While they were very similar in all these respects, they had different priorities.
For example, Tom, chose to work 20 hours per week, while his brother, Dick worked 40 hours and Harry 60.
It should also be noted that Harry's wife worked full time as an office manager for a salary of $50,000.
Dick's wife sold real estate part time 10 hours a week and made $25,000 per year.
Tom's wife did not work.
Tom and Dick spent all of their family income.