wow, thats absolutely incredible. i think thats another valid point to add to this thread. i know with myself, i always say im going to do something big, something life changing, something like this, and i always plan save, whatever. then at the last second i bail out because another finacial problem arises and i find it in my best interest longterm to save more money. however, looking back in hindsight, most of my plans would have been swingable with the funds i had. so i say you make a plan and stick to it no matter what the cost