Not too funny, we've lowered our emergency stash, Helen's new schedule
with only two days a week lowers the 10% of salary so we took out
$12,000, and put $6,000 each in an IRA and $800 for Helen's root canal.
Oh well. Her being out of work wouldn't have as devasting an effect if
she can get used to not spending as much as she did when she worked
full time.