My rough spot will be next week. #14 is making me nervous for some reason - oh well. At least this year I made a vow to pay off all but 1 of my bills (except the house and boat), wife does the house (so far) but think she's retiring after my surgery. So by the end of the year, I'll be whacking on my boat and get it paid off in 2016, then we'll see how long I can use it or sell it (Pontoon boat first). Course I'm thinking of removing the motor from the pontoon boat, its a 2012 60hp 4 stroke - boat is a rebuilt 93 Voyager 20ft (had new everything back in 2008 except for new console in 2012, , new gauges along wtih smartcraft gauge and motor). Sure gonna hate to sell the bass boat, but if I can't use it by myself, what's the point in keeping it and the wife having to sell it later. BUT HEY, lets go FISHING - buts lets wait till this frigid cold snap goes away (like late April LOL)