For what it's worth, what kind of 35 year old man pursues a "poker career"? How's the medical and dental plan for that one? How about the 401K plan. This sounds like big time MLC, which can take time to resolve. My advice for what it's worth is just like rhoch's. Only you can decied how much is enough. with no kids to hurt, you MAY have an easier time with it, but that's not fair of me to judge. That being said, MLC takes time to resolve itself. You have to decide weather the pain is worth it. I'm coming up on 8.5 months myself, and it's agonizing, especially when I see paretns and kids together!