Romeo, my wife and I passed on doing the financials (not that you should) to save money and time. We were both confident the other did not have stashes of cash anywhere. My lawyer wasn't thrilled but I was the boss. So other than that, I can be of now help to you on this! Btw, isn't ruminating a joy! I can never figure out why I do it. I have some theories 1) I think I'm gonna figure it all out by thinking repetively 2) It's familiar, easy to do. The brain doesn't care what you put through it as long as you put something through it! 3) I think there's a belief that if I worry and ruminate then I'm protecting myself from something coming up and biting me in the butt. 4) I may just be insane...still runinating over that one though.