Cool. I was wondering what sparked your sudden and very welcome increase in activity. I had been very active in a personal finance forum before getting active here. I rarely visit that site now. I had always felt like a fraud getting and giving personal finance advice while I was spending so much on the Grizzly.
I have four kids, too. Ages range from 6 - 14. My oldest will start her HS freshman year this fall.
Proud to be quit with you backwoods.