>Your net worth will be lower next year, and they'll consider that

I was just giving an example to demonstrate how bad their calculator pricing was (280k fees < 250k savings without selling house) if you wanted to make it more realistic I would also take into account that my investments grow too.

>Their goal is to charge you the most you are able to pay, and someone with $250k in savings is able to pay $70k.

Seems pretty bad to me. Wouldn't pay 7k/year for BU, much less 70k.