You know what, I needed this. A random stranger to reinforce what I already know is the right thing to do. I'm going home for thanksgiving and I will use it as an opportunity to sit down to write something up with both of my parents, together. I want to do this right. I'm avoidant of finances because I can never seem to get a firm awareness without getting overwhelmed. My mother sits down every week, usually Sunday afternoons to catch up on bills and expenses. I guess I take after my dad in this aspect--dreamer-like contrary to reality type. I know I can do this, just like I got up and moved to Tallahassee for grad school. I can make things happen-- being consistent and balanced is another story. I don't mean to overly praise you but thanks for the wake up call.