Flush with accomplishment from recently achieving her savings goal of $187, plus tax, Beth is contemplating higher plateaus. Suddenly, the kiddy slide isn’t high enough any more. Now, she wants to play with the big boys. That’s right, she wants the 20GB iPod now.

“But Beth, you don’t have enough music for the 20GB iPod.”

“So. Someday I might. See right there (pointing to the Apple web site) The iPod mini can only hold 1000 songs. The 20GB iPod can hold 5000 songs. That’s a lot more.”

“Yeah, but the 20GB iPod only comes in white, you can’t get it in pink.”

“Oh, well, let me think about it.”