Where does a 18 year old find $40,000? :shrug:
Seriously; I just turned 25 and I've never made over $6,000 in a year (which was back when I was 18, actually).
Thankfully my $180,000 BA was mostly covered by financial aid (and some loans)...but it will be a long time before I can afford anything above my hv30. I do appreciate the effect red has had on rentals.