RE: You Only Have What You Have!

I hear you!

We haven't had "spare change" since before the kids went to college, and that was almost 20 years ago... and even then building any sort of balance was a challenge, and only effective till life threw the next disaster at us.

These days it just gets tighter and tighter, and my wife's meager "cost of living adjustments" to her SSI vs. actual inflation is not a pretty picture!