Redfox, I understand completely-we also had to rescue our step son. Pinkytoe, that is too bad about your brother but it sounds like they are making it work. Even though we don't have much $ saved I feel blessed that we are debt free, have our pensions and right now the health to be consultants. However, that can all change in an instant. WE have some friends ( a couple) that both have serious cancer at the same time. They are wonderful people but are having a tough time.