Subject: Re: The Ballroom
The average cost of a new car is $12,000/yr. So far we have spent $70,000 of our $60,000 in disposable income and not a penny has gone to clothing, kids costs, savings, vacation or entertainment.

OR RETIREMENT !!

As an independent contractor I asked competitors who charged far less if they had given any thought to retirement, if they had health insurance, etc.

Now that I'm comfortably retired (knock on wood) I wonder how they are faring knowing they are still slogging away despite pushing 70.