yep....my wife took on our health care so with the house payment gone, health care gone, FSA gone, the non interest checking accounts (taking the direct deposits) are soaring. I've gotten lazy and just let them go up, as if to see how high they can go. The stupidity is the online accts are 4.4% apy right now. I did move some last Friday. So I tell myself, you can afford that nice SUV you want (Tahoe). But you don't need it, and in a strange way, you might not be able to afford it. What if I lost my job....that's life...lots of possibility....saw a nice M2 being trailered going home yesterday, again, you don't need one, and likely cannot afford one...but you could get it in the driveway if you wanted (you is me)