[kesef]

I find it a frustrating thought. Hard times hit us at various periods in our life. We live simply, so that there's nothing left to cut, and no money left for savings. Maybe if we had told our daughter who was renting our apartment to pay rent when her checks would bounce anyway and wouldn't put our other daughter thru higher education with no financial aid available it would be relevant. Until then, I can just dream - or know that if we keep this standard of living it will be below my means someday.