@jerrybanfield, I really appreciate it when you write posts "real life" issue and struggles.

I agree with many of your thoughts, including but not limited to:

1. We need to live within our means. Sometimes less is more, and a simplified life is a great example of that.
2. We cannot always control what happens to use, but we can choose how we decide to respond.
3. We need to take ownership of our decisions, both the good and the bad.

Thanks for all that you do. Have a blessed day!