Annual income twenty pounds, annual expenditure nineteen nineteen and six, result happiness. Annual income twenty pounds, annual expenditure twenty pounds ought and six, result misery.
Shot in "Portrait Mode", added "Dramatic Cool" filter, then on my laptop I got rid of my thumb behind his head first with a clone tool to replace the thumb with reading material, and then by making a grayscale layer copy behind and erasing bits of the front color layer. I wish I had better Photoshop mojo but I think this came out ok.
Work in progress... Melissa was mildly impressed by my ability to freestyle cut block letters