I have to go to a meeting, but I will elaborate more later. When I said we were borrowing into a hole, I meant we are borrowing for spending and consumption not your "spending" as investment. We should probably switch to consumption and investment as our terms.
cool beans.... I'll respond to ya when you get a chance to post again. But as a parting thought I will offer that there is alot of profit to be made when investing in consumables :~ D