boner, i appreciate the rant, but trust me im not broke, LOL. on the contrary, i(we) probably make more than you do. I stay home with my 19 month old daughter, run a business thru my home, and my wife works a professional career in the health care field for the national government. but yes, i am still a tightwad, and like to save money. and yes, i am 20 credits away from having a bachelor's degree in criminal justice, i also take night classes so as to eliminate daycare costs for my little girl. i assume you're the type of person who likes to figure other people's lives out thru just a little bit of input from them. well, with all due respect, you're way left of the target with me bud. i am still amazed at how much popularity this original thread has generated. i haven't seen one like this for a long time on here. later