IK - if DH left his job, he would have to wait 13weeks to get benefits. But if you don't have a morgage then, as you said your OK..that is what freaks me out the most. We had $3K of bills last month and only $1K income...oh well, I got a check for $1.3K in the mail yesterday from my tax ! yeah...that helps.

A good friend of mine does life coaching, it sounds fantastic, but it is $110 for an hour, and they want you to go each 2 weeks... so we can't afford it... Just another example of how the rich get richer!