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New freezer - ugh

March 20th, 2022 at 01:44 am

DW went down to get the laundry on Thursday and the freezer was beeping which generally means we left the door open... except the door was closed. So the temp was too high for some reason. She opened it and things were still frozen but a couple of things weren't as solid as they should be. I told her to just crank up the temp setting and leave it be (I was at work).

Of course, that didn't solve the problem. We moved some stuff into the upstairs freezer and the little freezer in the bar fridge but we will end up having to trash a bunch of stuff ($$).

I went online today to shop for a new one. Found one I wanted at Lowe's but the website showed it wouldn't be available until September. Fortunately, I knew that the website isn't always accurate, so I took a ride over to their nearest store. They didn't have one but their system showed that another area store did. I went there and sure enough they had one in stock.

I bought it right away. I even signed up for Lowe's credit card because it saved me $100. The soonest they can deliver is Wednesday but we're fine without it until then.

Just $700 we weren't expecting to be spending plus the cost of replacing the food that we lost.

It's always something.

New bed, Chili, and ebay update

March 5th, 2022 at 09:07 pm

We did something today that we haven't done for 25 years - bought a new bed. DW has been wanting a new mattress for ages but I've put it off because I'm cheap and sleep just fine on the one we have. However since she hurt her back in October, she hasn't been able to sleep in bed. She just can't get comfortable and it doesn't give her enough support. She's been sleeping downstairs on the loveseat propped up with pillows. Not a good long term solution. We were hoping she'd be better by now but since she's not, it was time to go another route.

She did a bunch of research and decided on a hybrid memory foam/spring mattress. The main thing would be an adjustable base so she could raise the head of the bed rather than propping up on pillows. Honestly, I'll like that too as watching TV in bed or even doing stuff on my phone means propping up awkwardly which tends to hurt my neck.

We headed off to a local shop today. They were still running their Presidents Day sale. We tried several options and agreed on one and placed the order. It should be delivered on Tuesday. We got split twin XLs since we have a king bed but need to be able to adjust them independently so she can sleep propped up and I can sleep flat. Of course, that raised the price, but it's the only workable solution.

After lunch, I made a pot of chili as we were out. That will be dinner tonight and 5 containers went into the freezer.

Ebay has been busy. I'm up to 82 active listings. My 90-day sales total is $1,039. My current goal is to make at least $200/mo after expenses and YTD I'm already at $505 so I should have no trouble passing $600 before the end of March. I already have $21 in bids right now.

Although the primary goal is to clear out the basement and garage, I've also started going to estate sales, being very selective in what I buy to resell. Two weeks ago, I went to my first one and bought 6 items for $14. I've already sold 2 for $40. Thursday I went to one and spent $3 for one item which I sold last night for $25. Not a bad track record so far.


February updates

February 20th, 2022 at 12:42 am

Things are cruising along reasonably well. I've adjusted well to working part time. At first it didn't seem much different. It took me a few weeks to adjust my schedule and stop feeling like I had to cram things into the 3 days I was off since I now have a whole 4th day free. Plus 2 days a week I don't go in until 1pm so I've got those mornings free now too.

Still, I'm constantly running the numbers to see when it is reasonable for me to drop to per diem and just work when I want to. I'm thinking that if I can pick up at least enough shifts to earn what we will be spending on health insurance, that would be perfect.

I'm not sure if I mentioned this in my blog (I know I've talked about it on the forums) but my wife developed back trouble at the end of October so we've been dealing with that. She's had 3 epidural injections and is having facet joint injections on Friday. She's better than she was but still nowhere near normal. Because of that, I don't really want to switch insurance plans now, which we'd need to do if I stopped working part time. We could do COBRA but that's super expensive so not really a good option. Hopefully, things will turn around over the next few months and she'll be better so switching coverage won't be a big concern anymore.

I've been much more active on ebay, which was my intent when I started working less. I currently have 72 items listed (plus 10-20 on Marketplace). Just this morning, for the first time in a long time, I bought some stuff to resell from an estate sale. While we still have plenty of stuff in the house for me to sell, I also know that if I want ebay to become a meaningful source of retirement income, I'm going to need to buy stock. I spent $14 today on 6 items that should bring in $100 or more. We shall see.

We have a cruise booked for August so we're hoping both that COVID is under control and that DW is physically able to do it.

I'm taking our tax stuff to the CPA on Tuesday. This year is complicated as it's our normal personal return, a final return for my cousin, and an estate return. I have no idea what that will all look like, if we'll owe, if we'll get money back, or what. So I kind of feel like I'm in limbo at the moment as far as making any big financial decisions until that's all done and I know where we stand.

Plenty of other things happening, but that's enough for now.

2021 spending

December 27th, 2021 at 01:45 am

I haven't crunched the numbers in detail but big picture, here's how our spending stacked up for the past 3 years.

2019: $81,200

2020: $70,600

2021: $88,400

There was also a large one-time expense in 2021 not included there. We paid the lawyer handling my late cousin's estate $14,500. Technically that was paid from the estate (even though I was the sole beneficiary of the estate so ultimately it was my money either way) but I certainly don't need to count that when doing future spending projections.

We had one other large expense this year spending $10,200 for a home repair. If not for that, our 2021 spending would have come in a few thousand under 2019. We're not quite back to pre-pandemic spending yet.

We have trimmed a couple of costs over the past year or so. We cut cable in November 2020. Just this past month, I dropped DW's life insurance and one of my disability insurance policies. Our daughter aged off our health insurance in October but we're now paying out of pocket for her therapy as her new plan doesn't cover it.

Overall, I'm pretty satisfied with where our numbers are at this point. I dropped to part time at the end of November so my income dropped by 1/3. That should still have me earning more than we're spending with a little to spare. That was pretty much my goal - earn enough to pay the bills and still save a bit and not have to touch the nest egg yet.

First meeting with CFP done

October 30th, 2021 at 05:15 pm

We had a meeting yesterday with a CFP. He happens to be my wife's cousin and is someone we know and trust. He's the farthest thing from a sleazy salesperson type as you can get. Very upfront and honest about everything. We told him before we scheduled the meeting that we were not interested in money management services and did not want to be sold anything. We were strictly looking for planning services.

Prior to the meeting, he sent a list of information he wanted us to bring: income statement, SS statements, tax returns, spending log, and portfolio review. All easy enough for me to put together.

We started by talking about our situation and goals and what we'd like retirement to look like. He asked if we had any specific questions or concerns we wanted him to address. I then walked him through our portfolio spreadsheet because it's not really designed for a stranger to necessarily read and clearly understand so I wanted to make sure he knew what everything was and how to follow it. We talked a fair amount about our spending and how we envision that changing (or not) in retirement.

He explained the review he will do and what the results will look like, what sorts of things he models in, etc. We scheduled a follow up visit for 11/19 to go over what he comes up with.

Without giving us any specific answers, which he can't do just off the top of his head understandably, he was impressed with our situation, portfolio, knowledge, and mindset. Just based on the initial review, he thought we were in good shape overall to retire in the near future but will go into far more detail once he runs all the numbers, analyzes our portfolio, etc.

One thing he particularly liked was how we have good diversity of account types. Traditional IRA, Roth IRA, 401k, taxable accounts, etc. He said it's always challenging when someone comes to him who has a lot of money but it's all in one place, like their 401k. The diversity creates much more flexibility when it comes to withdrawal planning and managing tax efficiency.

So overall he thinks we're on the right track and have managed things well. I'll post again after we have the follow up in a few weeks.

Estate probate period has ended

October 14th, 2021 at 12:28 am

The probate period for my cousin's estate ended yesterday. The lawyer emailed me all of the forms needed to officially petition the court to close the estate and release the funds to me. There was one form I had to get notarized which I did earlier today. I just scanned and emailed everything back to him and will put the originals in the mail tomorrow. I'm not sure how long it takes for everything to process but that should be the last step.

Sometime soon the estate account should be paid out to me. It currently holds just over 547K. Then the task will be to invest that money. I'm not planning to do anything crazy with it. It will pretty much be added to our existing investments. Even at a modest return, though, that money will generate a nice chunk of our retirement income in the near future.

Small home repair, which will lead to much bigger one

April 21st, 2021 at 02:03 am

I was just reading another blog post about homes being money pits. I completely agree.

On Saturday, I was cleaning the drain in our bathroom sink, something I've done dozens of times. This time, when I was done and stepped away, I saw a stream of water coming from the drain pipe. A closer look revealed a small hole in the pipe. I grabbed a bucket and sopped up the water with a towel and put a call into our handyman. He said he could come on Monday.

He did come and fixed it, but his fix is less than perfect. There is now a very tiny bit of water leaking at the end of the pipe that he installed. There also seems to be a tiny bit coming from the cold water shutoff valve. The pipes are all quite old so I'm not surprised.

Bottom line is we're really going to need to have a plumber come out and replace everything going to and from that sink. Of course, when they built houses years ago they often didn't install shutoff valves or even access panels. Replacing the plumbing will mean cutting through the closet wall to access the pipes leading to the bathroom, turning off the water to the whole house, installing shutoff valves, then doing the actual plumbing work in the bathroom. I have no idea what that will all cost but I'm sure it won't be cheap. Yay.

I think I have "the number"

April 17th, 2021 at 12:57 am

In recent months, I've been doing a lot, and I do mean A LOT, of retirement planning. I've been reading and studying and educating myself on every aspect of retirement I can think of including withdrawal rates, taxes, Social Security, ACA coverage, Medicare (well not so much on that yet actually), and more. I've asked a bunch of questions on the SA forums. I joined and became quite active at and have learned a ton of useful information there. I highly recommend the site if you are in the same boat as me.

I've made all kinds of charts and run through countless calculations and projections, played with FireCalc a bunch, and posted a "Can I Retire?" thread at ER with all of our details and I got a bunch of helpful responses.

Based on a number of things I've learned, I've made numerous changes to our portfolio to better position our holdings (more stocks in Roths, more bonds in taxable accounts, for example). I've done a number of things to consolidate our holdings and try to simplify some stuff (rolled over DW's old 401k and 403b, moved an outside MF into our Vanguard account, donated some appreciated stock to our synagogue, eliminated some duplication in our portfolio and got the total number of funds we own down from 16 or more to 11, which is still a lot but it's much better.

Anyway, the bottom line and the point of the title of this post is that no matter how I work the numbers and do the projections, I keep arriving at the same result: the amount we need to have saved for me to retire keeps coming out to be right around $2,500,000. I've become more and more confident in that number.

So what does that mean? Right now, today, we are a bit over $1,700,000. However, I will unfortunately be receiving an inheritance most likely within a year. The estate is currently valued right around $1,200,000 with minimal debt (less than 50K). There will be some expenses involved in settling everything, funeral costs, selling the house, travel, taking a leave from work, etc. I'm guessing that 200K should cover all of that which should leave me with roughly $900,000 as my inheritance. That would put us at $2,600,000 based on our current portfolio. If the market remains at least reasonably stable, even if it doesn't keep climbing like it's been doing, we'd likely have another 100-200K over the next year anyway and be at $1.9 million before the inheritance meaning we could potentially be at $2.8 million or even more when everything is done.

Assuming nothing crops up to make me question the $2.5 million figure, I should be at the point where retirement will work, even if the inheritance turns out to be 100K or so less than estimated.

That's both exciting and scary to be honest.

My plan right now is to beef up our cash holdings to create a nice big cushion to have in place when I do retire. My expense projection has us paying full price for ACA coverage but there's a reasonably good chance we can manage our taxable income to qualify for the subsidy which would make our numbers even better. I'm planning to meet with our CPA after tax season to really drill into a bunch of retirement tax issues including that one.

So yeah, that's how I've been spending way too much of my free time.

2020 Year End Portfolio and Spending

January 1st, 2021 at 03:11 pm

2020 was another fantastic year financially speaking.

Portfolio Value

12/31/19: $1,329,432.03

12/31/20: $1,624,972.12

Increase of $295,540.09 or 22.23%


This doesn't capture everything as it doesn't include things paid by cash and check, but it's an accurate comparison of identical spending year to year.

2019: $6,657/month

2020: $5,966/month

Clearly, the pandemic saved us a considerable amount of money, primarily from lack of travel and dining out.

If I subtract out spending for which we got reimbursed, the actual number drops to $5,325/month. I don't have the corresponding figure for 2019 so I can't compare that. However, just playing with that number - $5,325/month - and using the rule of thumb that you need 25 times annual expenses to retire, that would work out to $1,597,500. We're a bit over that so that's exciting. I realize our spending will creep back up once the pandemic ends, whenever that is, but theoretically if we could maintain the lifestyle we've had in 2020, we are right around where we would need to be to retire. Our actual target is more like $2.2 million but that's not so far off realistically.


Happy New Year to all. Have a great 2021.

September YTD Spending Update

October 4th, 2020 at 03:10 pm

September saw a spike in spending but some of that was work-related and I will get reimbursed so I need to adjust for that.

It looks like we're right around $5,475 for our monthly average when I tease out that other stuff.

Of course, I also bought a car in September but I'm not counting that in our monthly spending average since it's a one-time pre-planned event, not part of our everyday budget.

Even with the increase, we're still running almost $1,200/month lower than 2019 so I'm okay with that. And I do think September was a bit of an anomaly. That number will probably drop again in October.

Bought a car

September 14th, 2020 at 02:01 pm

I've been looking for a car for a little while but didn't start looking seriously until last month. I had decided that I wanted to avoid car salespeople and do it online as much as possible so I focused on Carmax and Carvana.

I found one I liked on Carmax 2 weeks ago. It was in NC so I paid $99 to have it shipped to NJ. It arrived on Wednesday and we went over to see it on Friday and I bought it.

It's a 2018 Toyota Camry XSE. Only has 13,500 miles and is in beautiful shape.

The whole buying process with Carmax was fantastic. No pressure at all. No attempt to upsell me on anything. Clean and easy, the way it should be. I would definitely do it again the next time we need a car.

I may have found a "new" car

August 29th, 2020 at 11:35 pm

I've been car shopping and found one today that I will probably buy if all is well when I see it in person.

I decided this time around I was going with either Carmax or Carvana. I wanted to do as much of it as possible online and have a fixed price and not have to deal with a sleazy commission-based salesperson. I'm paying cash so no need to deal with the finance department either. I had saved a search for what I wanted on both sites and have checked back daily for new inventory. One came up yesterday that was very nice but also more expensive than I wanted. Then today, a couple of new ones popped up and I jumped on one of them.

It's currently in North Carolina so I'm having it shipped to NJ ($99 fee). They'll let me know when it arrives and is ready for me to come check it out. No obligation to buy, and if I do buy, they have a 7-day return policy.

Anyway, it's a 2018 Toyota Camry XSE with just under 13,000 miles. Red exterior, black interior.

Now I just wait for it to get here and then go check it out.

YTD spending update. Wow!

August 19th, 2020 at 06:07 pm

I was going to wait until the end of the month to look at this but I happened to check today. We're almost 2/3 of the way through 2020. It's remarkable how much of an impact COVID has had on our spending.

In 2019, our average monthly spending came to $6,657 or $79,884 for the entire year.

So far in 2020, our average monthly spending is only about $5,190. Extrapolated out for 12 months that will be just $62,280, almost $18,000 less than last year.

I haven't sat down and really dug into the numbers but just on the surface, the biggest chunk of the savings has got to be from the lack of travel. Number two would be the lack of dining out.

We have started dining out again since NJ opened for outdoor dining at the end of June but we're still doing way less than previously. It's been too darn hot to eat out most of the time. As the weather starts to get a little more moderate, we'll probably go out more so our spending will pick up a bit, but we'll still be way off last year's numbers. And travel isn't resuming anytime soon, certainly not in 2020.

I know the sharp drop is temporary but it's still nice to have that extra cash to stuff into savings.

Tree removal - $2,400. Yay.

June 17th, 2020 at 07:58 pm

We've had a dead tree next to our driveway for months. I've been meaning to call our tree guy for that one. Then in the storm a couple of weeks ago, a large limb came off the big tree next to our garage. That's the 2nd time that has happened. It's time to get rid of that tree. And while they're at it, I'll have them prune the tree in front of our house.

Tree guy came today. Total damage is about $2,400. He's hoping they can come by the end of next week. Hopefully no big storms before then.

Little by little, we've taken out almost every tree on the property. Whoever plants all of the trees so close to houses clearly doesn't give any thought to what happens when those trees grow up.

If you have a newer property, the best advice I can give you is to tear out any tree that is close enough to hit the house if it falls in the future when it's 40 or 50 feet tall. Get rid of it while it's small and cheap. Also take out any tree where the roots could damage the concrete or the sewer line.

Stick to small shrubs and bushes and maybe ornamental sorts of trees that don't get that big and don't develop extensive root systems.

NJ slowly reopening

June 2nd, 2020 at 08:50 pm

They announced yesterday that restaurants can resume outdoor dining on 6/15 and that salons and barbers can reopen on 6/22. I couldn't care less about salons as I cut my own hair and have for years, but the two main things I've missed during quarantine have been the gym and eating out. Gyms are still closed but restaurants will start coming back in 2 weeks.

We are not typically ones to dine outside. My wife has bad allergies and it's rare for the weather to be cooperative. Either it's too hot and humid or too cool or windy or raining. I'm trying to think of the local places we like that have nice outdoor seating areas, especially ones that are covered. That way the sun and/or rain isn't an issue. There is one Italian place nearby that has a great patio space. With social distancing requirements I'm not sure how many people they'll be able to accommodate at a time but if DW is willing, maybe we'll do dinner there one night once things are up and running. They have short rib that is to die for.

Work seems to be gradually picking up, though some days not so much. We saw 22 patients on Thursday and I think they saw 23 on Friday, but then I saw 4 yesterday. However, 2 of our sites that had been closed reopened yesterday so that may have been part of it. I was only in 9-1 today but we had seen 8 when I left so that was decent.

What local non-profit places do you support like theaters and museums?

May 25th, 2020 at 01:53 pm

I was listening to a podcast on my run this morning and they were talking about visiting and supporting your local science museum.

It got me thinking that currently, we really aren't supporting any local non-profit cultural, entertainment, or educational ventures. Over the years, we have had memberships at various places like a botanical garden, a community theater, an art museum, etc. I think once the whole COVID thing settles down, we need to get back to doing that.

I'm going to speak to DW about this. I'd like us to subscribe to the community theater again. We both love theater and enjoyed when we were kind of "forced" to go see the shows there because we had already paid for them.

I don't know that we want to do the botanical garden again but maybe one of the many museums in Philly. DW has gone to one particular museum a few times with a friend who has a membership. Maybe we can join one of the others and take her along in return.

I know it's not the most altruistic sort of charity since we get something out of it ourselves, but it's a way to help a good cause and provide some activity and entertainment for us at the same time.

Spending update, COVID savings

May 25th, 2020 at 12:13 am

I posted last month that our spending was down significantly year to date at least in part due to the COVID shutdown and not being able to go anywhere or do anything.

As May is nearly over, I took another look and the savings continue to grow.

I compared our total credit card charges from January through May 2019 to the same period for 2020.

2019: $20,931.71
2020: $15,460.73

So YTD we've spent $5,470.98 less than last year.

Not all of that is COVID-related because our January and February spending was also lower this year, and that was before the shutdown, so we have just been spending less in general, but still we've spent an average of almost $1,100/month less than in 2019. I'll take it.

COVID-related savings

April 29th, 2020 at 01:57 am

I know I'm not the only one experiencing this but we've actually saved a significant amount of money as a result of the world shutting down.

For March, which we only lost half of, our spending was down by $500 compared to March 2019.

For April, which we've lost all of, our spending was down by $1,000 compared to April 2019.

I'm not incredibly surprised but I didn't expect the savings to be quite that high. It really makes me wonder about things going forward.

I think I will take a look at the actual charges last March and April to see where most of that savings has come from. I'm quite sure that dining out will be the single biggest factor. That's actually the thing I miss most about the whole quarantine thing. I know we aren't going to stop eating out (once we are able to do it again) but I will definitely be more aware of how much we're spending in the process.

How about all of you? Have you noticed a drop in spending?

News from Quarantine

April 25th, 2020 at 12:08 am

Well, there's not really much in the way of news but it's been 2 weeks since I posted so figured I'd check in.

Our daughter wasn't eligible for unemployment because her last job was with a non-profit and they don't pay into the system. The look back period ended 9/30/19 and she had only been at her current job about 2 months at that point and needed to have 20 weeks of work history.

There may be a silver lining, though. She got a call from her manager the other day and it sounds like they got money from the payroll protection program as she said they may be able to pay her for 8 weeks worth of income. She's waiting for confirmation and details.

I'm working same as always. Urgent care is still very slow. The hospital census has been gradually increasing but not to a point where they are overwhelmed and calling in more help. I'm hoping that remains the case and they won't need us. I really don't want to go work there.

DW is managing okay. She and her mah jong friends got set up with an online game platform so a couple of times a week they get together virtually and play. They use a 2nd device to Facetime so that they can all see and talk to each other. They'll probably keep using that system even after quarantine ends at least sometimes because it means nobody has to drive around. It will be great if we have bad weather or someone isn't feeling well but can still play without getting others sick.

We've become regular Zoom users, as I'm sure lots of you have. We've had meets with our bourbon club, our Disney friends, family members, and more. What a great resource to stay connected with everyone. I've used it a few times for work also for updates and meetings.

At work, we've been very grateful for some of the community support, mainly in the form of free food. We've gotten lunch from Five Guys and Mission BBQ, free smoothies from Smoothie King, and free donuts from Krispy Kreme among other things.

Financially speaking, the quarantine has really cut down our spending. Less gas, less dining out, less unplanned shopping, no outside entertainment - it's all added up to over $3,000 of reduced spending compared to the first 4 months of 2019.

I hope everyone is hanging in there. Stay safe.

Electric meter update

March 11th, 2020 at 01:51 am

We finally got an answer from the utility company today. They said that the meter was 99.7% accurate (I think that was the number). So apparently there's no refund coming our way and we've somehow managed to increase electricity usage 40-60% in the past year without changing anything we do or use in our home.

At least there was no cost to getting our meter replaced. I'm really curious to see how the bills are going forward. If the continue to show higher usage, I guess that will confirm the answer. If, however, it shows a significant drop in usage, I may reach out again to complain and question that analysis.

Electric meter update

February 3rd, 2020 at 05:45 pm

They came out today and replaced our electric meter. My wife said the tech told her that the meter did appear to be worn out internally so he thinks I may be right that it wasn't recording properly. He said it takes about 2 weeks for them to do the analysis and he gave us a number to call to get a report.

So now we just have to wait a couple of weeks and then see what they say. Hopefully, they'll confirm a discrepancy and we'll get some money back. I'll update when I know.

The moral of the story is that if something just doesn't seem right, don't be afraid to question it. And the other moral is to pay attention. Review bills. Look for discrepancies or unfamiliar charges and look into them when they occur.

Dinner for 4 - $406.00 and worth every penny

January 26th, 2020 at 01:57 am

Last month, I won a $600 gift card to a local restaurant in a drawing at a liquor store we frequent. They said it was for a "whiskey dinner" for 6-8 people. It turned out to simply be a gift card to the restaurant to be used however we'd like. DW and I talked about it and decided we'd go out to dinner with another couple two different times (with different couples) and cover the bills with the gift card as much as possible. We also happened to have an old $50 gift card to the same place that we had never used.

Tonight was our first dinner there armed with $650 worth of gift cards. I'll admit we went a bit overboard in ordering since the meal wasn't costing us a penny. The tab came to $342 plus $64 for the tip for a total of $406. That leaves us a $244 balance on the gift card for next time. That may not fully cover dinner for 4 but we can tone it down next time around so it should cover most of it. I don't mind paying a bit out of pocket.

The meal was fabulous, though. I know to a lot of people, a $100 meal is unimaginable but just trust me when I say it was worth it. From the cocktails to the appetizers to the entrees to the desserts, everything was top notch including the service. We loved it and our friends loved it. We don't get to spend time with them often so we really enjoyed the company as well.

We haven't set up the next dinner yet. We have to decide who we want to go with and then find a date that works for all of us.

Ten Years of Finances

January 3rd, 2020 at 02:59 pm

CCF suggested this idea and I thought it would be fun. Post a comparison of where you were 10 years ago and where you are now, and talk about what happened in the interim. So here goes.

12/31/09: Total financial assets (not including home)

12/31/19: Total financial assets (not including home)

12/31/09 Mortgage balance: $92,285.99
12/31/19 Mortgage balance: $0.00

So our net worth went up by $1,026,044.29.

Major financial events of the last 10 years, and I'm probably forgetting some

Bought my car in 2012, paid off in 2013
Bought my wife's van in 2013, paid off in 2016

Daughter attended college 2014-2018, all loans by her and us have been repaid

Paid off mortgage in 2019; now totally debt-free

Began a job transition in April 2016 that was completed in November 2017 and now earn more than double what I made at the old job

I think those are the real biggies. Obviously, lots of smaller things, car repairs, home repairs, travel, medical expenses, and all of the other normal stuff. It's pretty powerful to look back like that.