The decision to earn and hold early allowances is based on the assumption that allowances are viewed as an asset that must earn at least an 8 percent real return.
Allowances are going to make you rich. 
mnli hypothesis: Allowances are going to make you rich.  premise: The decision to earn and hold early allowances is based on the assumption that allowances are viewed as an asset that must earn at least an 8 percent real return.