I dont know flyingtake2...u seem to have navigated a minefield pretty well all things considered...I would love to be where u are in terms of finances. 22 years in the industry and financially nothing to show for it. I started when I was 27...look at what u have done this way. If u had smoked for many years and given it up because not only does it cost u money but it will eventually cost u your health would you think that you had done the right thing??? Of course you would... However even when you have given it up and know that what you did was the best thing possible you will still have cravings to light up again. My point is that you seem to have done the best possible thing for u and your family in your situation. The huge difference is that you control your addiction not the other way around. Well done I say...pity I didn't do it your way.