june2014, it's a great question, and I'll think you're opening up the real heart of LSAT arguments right now.
You're absolutely right that the premise in both arguments, by itself, is not enough to fully validate the conclusion. In fact, that's to be expected on almost every LSAT argument - they have to be flawed in some way in order for them to even start asking questions about what the assumptions are, how to strengthen it, etc. Arguments that are perfectly supportable don't have assumptions! So, both before and after a necessary assumption is negated, you're totally correct that we don't know if the conclusion is valid. But there is a difference in what we don't know.
- Before negating necessary assumption: The premise *could* support the conclusion, but we don't know for sure. As a result, we don't know if the conclusion is true, because there is information we are missing.
After negating necessary assumption: The premise *cannot* support the conclusion, but it's possible the conclusion might turn out to be true for completely unrelated reasons. Whatever support might exist elsewhere in the universe for this conclusion, this premise is not part of it.
Let's return to the Andy/boy/sports argument. The fact that all boys like sports is not enough by itself to fully support the conclusion. It's possible that the premise actually provides support, but only in the scenarios where Andy is likely to be a boy. The more likely it is that Andy is a boy, the more useful the premise is. But the only possible way that this argument could be 'valid' is if Andy is, in fact, a boy.
When we are missing that critical information (as we are originally), the argument is just considered flawed, as it requires additional assumptions to get to validity. But when we *negate* that critical item, the premise
can't be used to prop up the conclusion. If Andy is a girl, the statement "all boys like sports" is
totally worthless as a support for "Andy likes sports". She might like sports for some totally unrelated reason, but this *argument* (this premise-conclusion pair) is kaput. But all of this debate about the argument is absolutely focused on the link between the premise and conclusion, not just focused on 'can the conclusion be true'. Since the assumption serves as the connective tissue between the premise and the conclusion, it stands to reason that negating the assumption
destroys the link rather than destroys the conclusion itself.
Taking all of this discussion into the question you raised: (There are actually a few assumptions here, so I'm going to simplify the core to address only the one we care about.) The argument is using a premise about what employees can afford NOW to support the conclusion that they won't be able to afford that thing in the future. To break that link, all we need to do is say that what they can afford now =/= what they can afford in the future. If that's true, then what they can afford now is
irrelevant to the question of whether or not the conclusion could be true.
Does that help at all? I know that a lot of people (myself included) kind of blithely talk about 'destroying the argument', but it is critical to understand that this is a fundamental destruction of
the premise-conclusion link, not necessarily a destruction of the conclusion.