I have just got home to San Antonio after being deployed overseas for the past nine months. Before that I was at Fort Benning in Georgia and I spent a little time at the Aberdeen Proving Grounds in Maryland. I have not been home in Texas for nearly two years. I shall be able to retire on a full pension soon and I have been getting prepared to get a new career when I do. RIght now I am checking out little houses and figuring out the costs of things like TX energy. Lisa and I can easily afford a small home, at least we have seen three or four which would not be much of a strain on our finances. We want to have enough money left over to do all of the stuff that we want to do however. So we want to think about what we are going to need to spend on the other stuff. In fact we have been dividing it up into two types of expenses. One is the things that you have to spend money upon and the other is just the things that you want, It is pretty clear that there are things you just have to have and there are things that you can live without. I need to have a roof over my head, I need to feed the wife and kid and myself as well. You pretty much have to pay for insurance too, since the risks of not having it the day that you really need it are quite large. If you can leave without it, then you put that expense on the other ledger. We want to look at the baseline for what we absolutely have to spend and then figure out what we want to do with what is left over.