Thanks for your insight. It's so nice to have a civil discourse. This is a good thread and I wish more people had gotten into it. Your right about not having as much spending power. When I was a kid my mother never worked. Today it’s difficult to support a family on one income and have a spouse stay home. I'm getting close to the brink of financial disaster anyway! I have 3 kids going to be at college age in 4 years, LOL. Looks like I'm going to adjourn my membership to the power tool of the month club...