Ahh, that makes sense. Thanks!
But... We have to keep an eye on how much we make for the year to stay within this credit budget. This is why I say we are “semi-retired” and only work when we need to. We are just fine with being “comfortable and solvent”. Our needs and appetites are minimal and noncompetitive, “Status and class” have no meaning to us, it’s all a fool’s game. :)