I hear you on the debt thing, I think it is the boogy man in the closet for a lot of us. The WAS usually does not think that far and all of the implications involved with it. With kids in college and more to come in can be overwhelming. But don't forget the advice you gave me live for the day and not focus too much on the future. I know I tell my girls I love them a lot more and when I am doing something with them they will tell me they love me out of no where and that feels very good....I don't take those things for granted.
