My household has PV and makes over 100K a year and we are far from wealthy. We still have to plan, budget and watch our expenses like the majority. Sure, we can probably afford a few nice things here and there but there's really no difference in our approach to stabilizing our finances and looking out for our future. The GEMS thing really pissed me off. It's not the money, it's the principle. PV is a luxury, not a necessity. If you want PV, budget, plan, save up and make sacrifices.