I like that analogy of uninsulated wires too. Right now I'm starting to feel more than a little uninsulated and rather frayed. Lots of stuff going on. Most of it money related like h and my life has turned into a money pit the last couple months and we're slowly trying to dig our way out. between the HVAC needing to be replaced, having to replace my car, expensive repairs on h's car, h needing 5 crowns on his terrible-shape teeth (!) and a few other things, practically overnight we've added too many thousands of $$ of new debt (at least the part that's for the car we bought, is spread out over 5 years.) All of this new debt scares the h e double hockey sticks out of me after going through our bankruptcy 10+ years ago. I do not want to have to go through that again. We sat down this afternoon and mapped out how we are going to pay it off, something akin to Dave Ramseys' debt snowball thing. If I think too long about how much we suddenly owe, it makes me so sick to my stomach. I hate money. Or, I hate the need for money.