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GAW: I don’t feel a need to defend your rav’s position, nor do I have any idea what his basis was, nor any idea what nafka mina there would be as far as anyone’s personal actions.

So, I’m pretty skeptical about your reading of this. It makes sense to me that necessary expenses are included, and it makes sense to me that pooling resources in the most efficient way is included.

I’d say everything but the secular studies expenses is included, except I’m mesupek on the stuff you pay for other kids.