Jamie, making ends meet is a constant struggle for most of us, people assume that because my wife is a doctor and I own a little upholstery shop that we are doing terrifically. But my wife does so much public service and her insurance for malpractice and several other things that are required, along with the reams of paperwork and account's bills she doesn't make a fortune and my little business has struggled since 2009. I sold several toys so wee could build our very modest house last year and we don't travel nearly as much as we once did. Add in the medical bills and the ends sometimes look at each other from across the room.