Is it POSSIBLE to Freelance 60 Hours Per Week?

I’m new to the freelance thing, so actually having 60 hours worth of paying work sounds like heaven to me. Right now I have a part time job that takes up around 20 hours a week, and I probably put 30 hours into my freelancing. Most of that, though, is time that I’m spending looking for work and learning about the business. I’m probably only actually writing about 10 hours a week. Hopefully that’ll change soon!

I would never work 60 hour work weeks. Ever.

I had one stint in my life when I did so, back in 2005. I was doing track homes in Colorado, and I had a 2 man crew beneath me (3 of us total). We had 48 hours to get in and get out (ceramic tile and natural stone installations). Average pay was 1800-2000 per home, and we’d do 3 a week. Did that for about 3 months before we all completely burned out.

Get up at 4 a.m., be at the warehouse by 6. Load truck with materiel. Be at job site by 7/7:30. Pack box after box of tile off the truck, into the house, up stairs, throughout the house. Couldn’t park closer than the street because there were no driveways.

Meanwhile, this was in summer heat. Houses had plastic over the windows while the stucko guys were plastering the outside of the homes. Temperatures would rise to 115 degrees inside. We would work until 8, be home by 9:30-10, shower, sleep a few hours, do it again the next day (usually 2nd day was 6 to 6).

So basically…12-14hour days, 1.5 hours of commute each way, 6 days a week. Sure, I was making over 20k a month on the gross end, but at some point you have to ask yourself…is it really worth it to push this hard?

My answer is no. I moved to Europe, and now I live the lazy European lifestyle. I refuse to work more than 3-4 hours a day. The only way you can get me to work more than that is give me a project I really, really, really can’t pass up, or a lot of cash…but even then I’m leery of pushing past half days. My days of working the typical American slave labor hours are over. 40 hours, 50, 60, or more per week? No thanks. I’m happy with 20 hours a week.

Yes, I’ve worked 60+ hours/wk on specific projects for important clients. Occasionally it’s gone on for several months. It’s self-destructive behavior that I avoid.

As you noted, productivity falters. We might as well break a hand as go without proper rest, as far as the impact on one’s ability to work efficiently and creatively is concerned.

I’m also familiar with how some European societies work. I find people there generally more productive than we in the USA, although they may work fewer hours per day. That’s why they are more productive. They are healthier, mentally and physically.

One clear sign of a poor society is one in which most of the people must work an absurd number of hours just to provide food and shelter for ourselves and our families. In that, the USA may now lead the world.

“One clear sign of a poor society is one in which most of the people must work an absurd number of hours just to provide food and shelter for ourselves and our families. In that, the USA may now lead the world.”

Spot on, Ron.

Look at the entire population of Spain and Italy. Siesta. The entire country shuts down between 1 p.m. and 6 p.m. People get up around 10 a.m., they work 2 hours, then take the entire afternoon off. They go back to work around 6 and work another 2 hours, then from 8 until 2 a.m. or so they are visiting with friends, family, and eating dinner/enjoying life.

Most European countries are like this. Yet European individuals aren’t suffering from an obesity epidemic (according to the CDC 70% of Americans are overweight/obese, with close to 30% of those actually obese, and only 6-10% of those have a genetic reason for their obesity), they live longer, they have lower risks of cardiovascular diseases, lower rates of dementia and Alzheimer’s, and so on and so forth.

Not to mention, Europeans actually get to see their money. Their costs of living aren’t 85-90% of their income. The average American (the ones defining the median wage of 18 USD per hour according to the 2nd quarter results from the Department of Labor) makes around 35k a year, working a full time job. That means 70k between two spouses, and when you add kids, cars, mortgage, and etc. on top of that, almost all of their income goes to paying the BARE NECESSITIES of living.

The last time I checked the average cost of living in the US it was close to 4,000 USD per month for a family of 2. This is the “average”, assuming a mortgage of around 1500 a month, dual car payments of around 400 each, groceries for 2 people at 600 per month, and all the other amenities like utilities, insurances, gas, cell phones, internet, etc. If you have 2 kids that jumps up to 6k a month. So if you are 2 people living “average” you pay nearly 50k a year in living expenses, while if you are with at least 2 kids you pay 70k or more. That’s based against an average median income of 35k a year, or combined income of 70kish. Keep in mind this is NOT counting taxes and school loans (most people are 30-40k in debt by the time they graduate and head out into the “real world”)

Meanwhile, looking at Italy, for example…average cost of living for 2 people is 1500 Euro, with the average wage around 25k Euro per year. Total living expenses of 18,000 Euro against a shared income of 50k Euro a year.

Italy has one of the highest standards of living and one of the highest tax brackets. They also have some of the better wages in Europe.

In any case, the ratio is ridiculously different. In America, you work 40 hours a week minimum, and you make JUST enough to get by. In Italy you work 4-5 hour days (the average work week in Italy is 25 hours per week), and you end up with a staggering 32 thousand Euro after living expenses.

I don’t miss living in America. 40 hour work week is the minimum standard, which is double what most of the rest of the world uses as a standard, and in the States you give up the vast majority of your income for living expenses. No thanks. I’d rather have the freedom to do with my money what I want.

Just in case you have forgotten, next week, February 8-13, is Freelance Writers Appreciation Week.

First, let me just say how jealous I am of T.W. – I dream of living in Europe one day so kudos to you for making it happen!! If I weren’t so fearful of moving away from aging parents, I’d pack up the kids and the husband right now and head across the pond!!

As for your question Allena, is it possible? I agree with everyone else – only if you want to implode. When I first began writing full-time, I had to work that much just to get by, simply because I had no other income to fall back on and didn’t have the resume to demand higher pay.

Now, several years later, I still put in 30-40 hours/week, but I don’t sweat it so much if I have several weeks where I only work 10-15 hours, or if I take 3-4 days off completely just to recharge my batteries.

I say, if a client is really worth it, go ahead and work the 60, but give yourself permission to take the following week off completely and don’t even think about work!

For the past few weeks i’ve been working, on average, over 70 hours a week.

Granted, that’s not a solid 70 hours of work, but I leave the houst at 8:00am, get to my on-site work for 8:45, work until 5:00pm, home by 5:45PM and then working on my freelance writing (and manging / launching a few blogs as of late), with the exception of stopping for some food, until around 11:00PM.

I’ll then generally put in a few hours on a Saturday and Sunday.

It’s tiring, but i’m working on dropping my on-site work in the future and taking up my freelance writing work full time.

Hopefully it will be worth it in the end!

I do recall putting in some massive hours to establish this business, I’m thinking even 80ish, as I distinctly remember some 4am mornings.

And, Stacie, I agree with the time off. I’m looking into March already though.

There is no way I would ever, ever be able to do that. Maybe it’s a character flaw but I like life way too much to work that many hours. I work about 30 hours a week, which includes writing, research, marketing, and networking.

Oddly, Yo, the reason I spend so much time working is because I also like life so much.

If I were to rely solely on my on-site / salaried work, sure, i’d be able to survive – but that’s all it would be. Survive.

Mortgage and bills paid, handful of luxuries (eating out once a month, one holiday a year, etc) – but I enjoy life and feel there is so much to do that the money I receive from my freelance writing work allows me to carry out other things I like, such as regular holidays or buying my girlfriend a new pair of shoes (and a top. And skirt. And jacket. And….!!!).

Don’t get me wrong, I’m not saying that money is the be all and end all and for some people, living a slightly less lavish (? – that doesn’t seem like the most appropriate word) lifestyle. But for me, enjoying life means doing the things I love – and if it means working extra hours to do those things, then that’s fine with me.

I think freelance writing has the appeal of “the more you work the more you earn” giving people a reason to work 60+ hours

I have no problem working an occasional 60-hour week. I worked an 80 hour week last week, but that included a trip to Puerto Rico. There was a big demand and a big reward.

Working excessive hours (I define excessive as over 40 hours per week) has to come with some benefit to invest the extra effort. If you’re working excessive hours just to get buy, then you are chasing the wrong dream.

With respect to the comments about the per capita being only 35K, I gotta say, that is just too bad. In the US, only 71% of people graduate from high school and around 39% graduate from college. Its supply and demand. If you don’t supply needed skills, you can’t demand the money. The high cost of living is based on an invividual’s choice on where to live and what living standards they want. COLA is lower in the country, but most people (+90%) choose to live in urban areas. There are plenty of people that can thrive on 35K per year because they make realistic choices on where to live, what to drive, not to have cable, not to have an expesnive cell phone, and to pack a lunch. These are all personal choices that have consequences.

I am going to check out Italy. I would love to work 25 hours per week. Although, I would rather just cram it into two 12.5 hour days or three 8 hour days and be done for the week.

According to this link (http://www.nationmaster.com/graph/eco_ove_pro_ppp-economy-overall-productivity-ppp), there is no country in the world that is more productive than the US except for Luxemborg. This does not take into consideration personal health and well being. Still, saying that Europe is more productive than the US is misguided.

Italy is surprisingly high on the list (12% behind the US). I would take a 12% pay cut for a 50% cut in hours worked. Or, work the same hours for a 76% pay raise. Either way is good.

Right now, the thought of working a 60-hour week, just freelancing, sort of makes me want to cry. Of course, I’m also a zillion weeks pregnant and trying to wrangle a three-year-old during snowy weather these days, so even a 40-hour week isn’t terribly realistic for me these days.

BUT! I’ve worked 60-hour weeks in regular jobs before, so I will say that sure, it’s possible to put in 60 hours a week into a freelance career. Would I want to do that on a regular basis? Not really. (Okay, maybe if it guaranteed Big Bucks and I had a really reliable babysitter…) At this stage of my life, I just don’t want to try to accomplish that. I realize that for others, their situations are different, and if they can do this and WANT do, I say power to them.

I tend to work 40-50 hours. Sometimes deadlines have pushed me to 60 hours. You have to remember, a lot of the 60 hours isn’t writing. Some of it is research or interviews or putting together proposals or invoicing.

There are many weeks when I work 60+ hours freelancing – but then this is also my full-time job. Like right now, I am proofreading a college textbook of over 500 pages, editing another non-fiction book, and have just started a new project with a women who has been in the news everywhere who is writing a book about her experience.

Since I work from home, weekends are no different for me than weekdays, except that I go to church on Sunday morning and Wednesday evenings.

Sometime in my career, a 60+ hour a week would have been heaven. I’ve spent a significant amount of time being self employed or freelancing. I remember one time when my spouse and I were finishing developing a software development and documentation project. We took turns sleeping on the floor – primarily because we only had one computer then.

Right now, I’m working as a consultant for a non-profit – doing the administrative and marketing work, along with grant writing.

Why do I do it? Simply because I love being on my own. It’s a challenge – balancing the different parts of my life.

All I can say is, if you don’t want the uncertainty, if you don’t want to do whatever it takes to meet the goal, then freelancing or being on your own may not be for you.

Next month, after the crunch I’m in is over, I’ll take some time off.

Allena,
The Higher You
You have work. That is the real issue. I would believe that writing is work that you love to do. If you are working too many hours and find that it doesn’t mesh with your life’s dream then you must find a way to create what time you would love to put into it. The reason, is that you are so valuable and intelligent, that you can tailor your work to fit your life perfectly. If you are working 60 hours per week and find that when it comes to the push and shove you are either not meeting deadlines or you do meet them, but not with the accuracy that your skills normally accomplish; it is easy to recognize that you are ready to step into the higher you.
Which Services Do I Use?
What I am hearing from you is that you are currently using a jet (yourself) to do short trips (your tasks). Would you send a jet, say downtown to pick up copies for a job, or would you use either the delivery service the copy company offers or an employee that you pay less than half of what you charge for your writing services?
Business Is About Management
Many people that have the entrepreneurial spirit find it difficult to let go of some of the tasks that they are good at doing (I refer to menial tasks that you very well, but detract from your ideal and also that you would profit better through a reassignment of this work to someone that you pay less: someone that benefits by being employed by you and that you may groom to manage your business as it grows).
Immersing Yourself In Greatness
You evidently have a special ability to get a good amount of work and sometimes more than you can handle. This talent is sometimes more valuable than having good writing skills. Being able to acquire work is like being able to find the gold, the diamonds, or the buried treasure. You can get tons of work, a good manager (to handle it for you), and a group of other writers to assign to the content producing. You have the work, how will you manage it? Choose only the best for you: immerse the greatness of you.

Charles Milton
Cmilton111@gmail.com
San Diego, CA
Congratulations on a very good blog and your tenacity.

You know Charles, I like your attitude! I do employ a transcriptionist, a proofreader, and rarely a VA. My husband does much of my bookkeeping. I’m not sure this is my issue. You are right– I am good at GETTING work, good at the convincing stage…Carry through? Yes, I always carry through, but sometimes at the detriment of my personal life. Hmm

Re: Does anybody work 60 hour weeks?
Ans: That is an open ended question. Am I producing a wage? No, but I am doing business task. But, do I put in 60 hours a week? Well, when I am on vacation I may not put quiet that much time in. My average work week since retiring from full time trucking runs runs about 80+ hours on the job. I am (maybe) about to buy a truck, hit the road and run my photography business from the cab of my truck. My photography is getting better, and selling some. I expect some good growth when I start to “advertise”. I am writing more, and posting some of it. I am being contacted about writing for blogs, and someone has contacted me about writing their ads. Finding work is easy. Finding the time to do it is what is hard. God only put 24 hours in a day. Life is too short. Gotta Go: )

@Dan, I think it just depends on your definition of life. For me, living is not about money. I make enough to live as comfortably as I want… but my “life” is about the things I do that do not require money. Just a difference of passions probably

@ Shawn:

In regards to Europeans being more productive than most Americans, I was talking in terms of time versus money. As you said, “Italy is surprisingly high on the list (12% behind the US). I would take a 12% pay cut for a 50% cut in hours worked. Or, work the same hours for a 76% pay raise. Either way is good.”

Americans by far ARE the most productive when gauged on a global level, because of the fact they work 40-60 hours a week. But when you look at the ratio, it skews wildly out of control. Italy is one of the perfect examples of that. In order to approach their level of “productivity”, you would need a 76% pay raise, according to your math.

You are spot on about the 35k a year. I’m going to use my brother as an example. Granted, he makes closer to 50k a year the last time I was aware, but this is an example of the “typical” American. The last time I paid attention he was the vice president of commercial lending for a large bank branch in Chicago.

He’s single. Owns a house. Makes car payments. Has credit cards. By the time he was 26 years old he was over 250 thousand dollars in debt. Why? Because he was living wildly beyond his means, because that’s how society told him he needed to live. He assumed he needed to own a 200k house, drive a 30k car, and rack up 30k in credit card debt.

It’s not impossible to live off of 35k a year, but it’s feasible. The average cost of living for a single individual in the US is 2k a month. Double for a couple. Add 2 kids and you are up to 6-7k a month for all the insurances and otherwise. But looking at a single individual, the median cost of living is 2k a month, or 24k a year. If they are making 35k a year, they should theoretically have anywhere between 5-8k a year left to spend after taxes.

But they don’t. Most Americans plunge themselves hundreds of thousands in debt by the time they are in their mid-late 20s, because they believe they *have* to have an expensive house, an SUV, flash gadgets, etc etc etc. Not to mention 40-50k in school loans for a degree they are told is mandatory to have, only when they get out of school they find out that 4 years of college wasn’t enough to get them more than a 15 dollar an hour job, and if they want to make more than that they need a Masters, which means another 2-3 years of school and more debt and……

Like you say, “There are plenty of people that can thrive on 35K per year because they make realistic choices on where to live, what to drive, not to have cable, not to have an expensive cell phone, and to pack a lunch. These are all personal choices that have consequences.”

Absolutely true. I’m a point in case. I have a 50 dollar cell phone. Why the hell do I need a 500 dollar iPhone? My wife and I live in one of the “poorer” sections of our city, but you know what? Our apartment is 100% paid for. In the clear. We are 100% debt free. Now granted, I live in a country where my cost of living is dramatically lower than in the States, but it’s totally feasible to do there as well…so long as you make the decision.

@Yo

Exactly

I actually had the same conversation with a close friend yesterday and we were contemplating (thanks to this post!), how much we would work to get what we wanted in life.

Whilst I said that I could live a happy and comfortable life working only a fraction of the hours I do now, to make the most of my life personally, I don’t mind putting in the extra hours.

That is, of course, my thoughts at the minute and I’m under no illusions that this will not change in ten years when, for example, children have come along (!!!).

Charles, I swear I replied to you, but I’m not seeing the comment. Just wanted to thank you.

I am dedicated to this project my family is taking on, therefore I am devoting myself, too, to additional hours of work that is not high on my “me” list- (ie it’s not my novel, it’s not the magazines that I am dying to break into), but I am bolstered by the end result. I feel it’s worth it for my family, so I continue.

@TW

It is unfortunate, but I agree about your comment “Most Americans plunge themselves hundreds of thousands in debt by the time they are in their mid-late 20s, because they believe they *have* to have an expensive house, an SUV, flash gadgets, etc.”

I doubt it is hundreds of thousands in debt for most people, but still, we are in a society that values spending over savings. Fortunately, my family values saving. We have never rented. Our first house was a duplex 17 years ago. I’m still on my second used car. I won’t buy a new car until my house is paid off and my retirement is secured.

The Great Recession would not have been so bad if people took action to not live so near the edge of financial ruin. The sad truth is that the average American has a net worth that approximates zero. http://en.wikipedia.org/wiki/Wealth_in_the_United_States

This isn’t a commentary on the haves and have-nots. It is rather a commentary on the distinction between needs and wants. One of the drivers behind working so much (assuming you don’t work excessive hours because you love what you do or you have a unique opportunity to seize) is to pay for the discrepancy between the needs and wants.

I’m very impressed that you are 100% debt free. Being debt free is trendy now, but I doubt it will stick for the bulk of the population. It will take me another 14 years to be debt free (when I’m 53). I could live in a different neighborhood be in the same club as you, but I really like where I’m at (low taxes, great schools for the kids). Again, it goes back to making choices and staying within your means.

Is living near Rome affordable? Living in Italy does sound pretty awesome.

Shawn:

Depends on where you live near Rome. We know a couple of people who live on the outskirts (akin to suburbs) of Rome, and they are living for what the average Italian lives for…700-1k Euro a month. They are about 15-20 minutes out from Rome proper. They rent a place and can get to the seaside or Rome within 20 minutes by bus in either direction.

We know another girl who lives in a similar spot, but her family owns their home, and her living expenses are nill because she lives with her family (many Europeans still live with family even into their midlife, unless they get married.).

My own circumstance with my wife is that we live in Sofia, Bulgaria. We are a few hour drive from the Black Sea or the Mediterranean. The Rhodope Mountains are less than an hour south of us. Rila Mountain is less than an hour away. The Thracian Plains? Similar. Sofia is just like any other old, European city. Our living expenses for the ENTIRE year (including entertainment) are less than 10k USD per year. That’s combined.

Granted, we don’t have rent/mortgage, which shaves an easy 12-15k a year off of our living expenses. We also don’t own a vehicle (don’t need one in a major city. Trams and buses are 5 seconds out our door, and the subway is a 3-5 min tram ride or 10 min walk, and the new subway will have a terminal less than 1 minutes out from our front door when it’s finished in 2012). The point is…we live like kings. We have the SAME amenities we had back in Colorado, for literally a fraction of the cost.

According to the people we know living just outside of Rome, the lowest paid person makes around 1k Euro a month…that’s like the minimum wage. Most people are making 2-3k Euro a month if they have an education/degree. Salary differences depend on the country. For example, in my recent language class I met a man whose wife is the designer for the Bulgarian version of Elle, and they are paying her the equivalent of 1k Euro a month for a job that would pay 3k Euro a month in France or Italy, because the cost of living in Bulgaria/wages in this country are lower than in Italy and other “higher” economies.

Keeping our fingers crossed. We moved here in 2008 (wife’s family is here). This is a new career for me (2010 is my third year), and my wife’s not even done with her Masters, nor is she really working yet (part-time job as a cosmetologist). The point is…we are living like kings based upon a fraction of what we will be making by the time she’s done with school, because we made a choice to get out of the States.

This year our budget should allow us to put 30k USD in the bank, above and beyond living expenses and our travels. We generally visit 5-6 countries/places a year, and this summer we are planning on 14-16 trips all throughout the Balkans for hiking/trekking/camping/backpacking. We also have a 3 week trip to China tentatively planned for late September, backpacking. We just passed up a family trip to Italy in March because my wife took a TOEFL teaching position on the weekends so we are limited on travel until April. We do all of this on my PART TIME income. In the last 2 years we’ve been to Rome, Bodrum, Paris, Venice, Thessaloniki, Kos, Skopje, Pisa, Bari, Florence, Naples, Seven Rila Lakes, half a dozen trips into the Rhodopes, and a few weeks ago we were in Ognyanovo, Melnik, and a few other places up in the mountains.

Again…this is all on my PART TIME income. If I wanted to work 8 hour days, I could. I don’t. Why bother? We live the good life on my part-time income. Why the hell would I want to work more than 3-4 hours a day? When my wife starts working, those numbers will potentially double. She’s finishing up her MBA, and we haven’t decided if we are staying here or going to Spain, which is where she really wants to live/work, or if we are going to the UK or Italy, or staying here.

I fully expect to be making a combined income of 100k a year within the next 3-4 years, purely on part-time income between the two of us, and maintaining the same drastically low living expenses compared to living in the States. (Granted, life can always throw you unexpected curve-balls, so this is a tentative concept) Meanwhile, I get to enjoy my life NOW, rather than waiting until I’m 60 years old to retire and MAYBE afford a few nice vacations before I kick the bucket.

You are absolutely right about everything revolving around choice. We could have chose to stay back in Colorado, but when the recession started to hit and I was having a hard time finding work against the illegal immigration crisis, we asked each other “what are the pros/cons of staying versus going back to your home country?” After a week or two of discussions we had a very clear 10-15 year plan drafted out, and what we discovered was that if we stayed in the US we would have to break our backs to barely get by, or we could move to Europe where our living expenses would be dramatically lower, where we would have access to the travel that both of us enjoy, as well as the Mediterranean, the mountains, and anything else we wanted.

It was a no-brainer choice as far as we were concerned.

Rome is fabulous It is actually in our top 5 places we are considering moving once she’s done with school and starts shopping for a “real” job.

I just turned 30. God-willing, I’ve got my whole life left to live. I have a wonderful woman by my side, we are in a great situation, and we don’t have to worry about 60 hour work weeks to barely make it. I work 20-25 hours a week and have enough left over at the end of the year to stick a cool 30k or so in the bank, after taxes.

It’s all about choice. People chose to remain in a situation where they put their nose to the grindstone, or they can choose to make choices that let them LIVE their life. I prefer the European way. Always have. I traveled here a lot over the past decade, and making a choice to move here was fairly easy.

Also, Shawn, regarding the “net worth” thing.

I agree whole-heartedly. I was one of those statistics prior to our move here. We rented, I worked my ass off in the family business, made a great wage, and we owned nothing other than our furniture/house amenities, which is a whopping few thousand dollar’s worth. Everything else was via payments (I did actually own one of my trucks; the other was on payments, and like you, I bought both used) like the typical US citizen…living on the credit system.

We had about 15 thousand dollars of debt left by the time we sold everything off and moved across the pond. In 2008 we lived off our savings and I started establishing a new career. Last year (2009) I paid off all of our debt, we took half a dozen kick-ass trips, we re-furnished our apartment, and ended up with more money in the bank at the end of 2009 than we had when we first moved here at the end of 2007/beginning of 2008.

Right now we have around 70k Euro in assets to our name. Not much, but it’s a start. I had enough money left over to fund a magazine project. We are putting a portion of our income this year into construction projects locally as part of our investment plans. We are looking to buy a vineyard in 2012 (got our eyes on a few, and mom-in-law may be going in on it with me), and I’m debating starting a new construction company this summer.

Point is…by making a choice to get out from under the thumb of the way things are done back home, I went from zero net worth to a combined worth of 70k Euro in owned assets. It’s not a big start, but it’s a start nonetheless. If 2010 is anything like 2009, I plan on investing heavily in 2011 and starting to live purely off of investment returns.

The beauty of this part of the world right now is it is BOOMING economically as it just joined the EU 2 years ago. EVERYTHING is growing. Recession? What recession? This part of the world never felt it. EVERYONE is building. Employment opportunities are pouring out of the woodwork. New roads, new buildings, the EU is pouring tons of money into this country to bring it up to speed, and we are right in the middle of all this wonderful change. It’s a unique opportunity, and one I don’t plan on wasting.

But even IF some of our long-term plans don’t work out, I still get to rest safe in the knowledge that no matter what, we are debt free and our living expenses are such that we will never have to work more than 3-4 hours a day for the rest of our lives. That’s a good place to be.

Anyone else feel remotely jealous?

Kudos to you for making it on 3 to 4 hours work a day. It is, I think, something that most freelancers aspire too – and something which I hope i’ll be able to do one day.

@Dan… yeah, make hay while the sun shines and you don’t have children! Hopefully, that’ll put you in a nice financial situation when you DO