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@skinnylatte There's kind of a bell curve to this though.

At the very bottom you have time but no money. Community can be built on the cheap though, when you have time for it.

In the middle you have money but you don't have time anymore. Your community is the PTA or whoever else you're stuck with from work.

When you get back towards the affluent end, you have time and money. You get to pick your community again.