Filing in anticipation of a major event.

[keepsmiling]

Too old for babies lol. But surgery almost surely, and what my insurance situation will be at any given moment is very questionable. Have to try to get a better understanding of how Obamacare will apply to us next year.
Also we are self employed so garnishment is not an issue. That is a big difference, agreed. Keep hoping a "real" job will present itself. It's mega stressful. But you are younger than we. We Boomers are in a very difficult place right now. Too old to be hired, too young to be retired. Mostly I keep smiling but there are days that I really have difficulty being optimistic.
We (you and I) need to be making more money to be in a better place post bk.

[wellnowwhat]

We (you and I) need to be making more money to be in a better place post bk.

Now there's a statement with which I couldn't agree more.