A
Uh, why don't you go ahead first.
B
Okay. Uh, short term, uh, it works out pretty well because we have just enough to cover expenses with a little left over so budgeting in the short term isn't too much of an issue because there's not that much, uh --
A
Sure.
B
-- extra to go around. Uh, long term is something we're starting to think about because our older child will be ready for college in about, uh, gee, she's eight now so I guess about ten years.
A
Uh-huh.
B
Good heavens. So we're, we're starting to think about long term considerations. College and retirement. But with not a whole lot of discretionary money, it's kind of hard to figure out how to do it.