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Owing more than the home is worth is another factor involving home values in America.
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The presence of a highly regarded accounting or law firm is a factor worth considering but undue reliance should not be placed upon their involvement.
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The Millionaire Next Door, one of the most popular wealth motivation books, shows how spending wisely is the most important factor in increasing net worth.
FORBES: For Financial Freedom: Reduce Expenses or Grow Income?
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Still, it's worth discussing in case this is a crucial factor for you when choosing your next phone.
ENGADGET: HTC One VX review: AT&T's latest mid-range smartphone is worth a closer look
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So on the surface, it is still worth making the 401K contribution, and when you factor in state income tax rates, the advantage is clear.
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It is often said in startup circles that the execution of an idea is worth much more than the idea itself, usually by a factor of 10 or more.
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According to Defra's chief scientist, Dr Bob Watson, we've consistently failed to factor-in the billions of pounds these ecosystem services are worth to our economy.
BBC: Putting a price on nature
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This is a vast challenge, and it is worth bearing in mind that mankind's contribution to warming is the only factor that can be controlled.
ECONOMIST: Blowing hot and cold