I know just what you're saying Fred, I have been feeling very much the same lately. Tired of being in debt and trying to make it to the end of the month, every month, is really dragging me down lately. On top of that I have been sick for what seems like 2 to 3 weeks out of every 3 months. Haven't been able to go to work since the 2nd of the month because I have been dealing with some really bad gut problems. Finally starting to feel a little better the last day or so and considering going to work tomorrow, but the dr hasn't gotten back to me with any test results yet from last week. If there is anything serious wrong and I go back tomorrow without knowing about it, I will then start over again with the waiting period for short term disability. I only got paid for the first 2 days, so it will be painful financially for a while either way.