I decided to take a big step. It is the second scariest moment of my life (the first being buying a new house). I have paid off my mortgage. The savings account was making a ridiculous rate so I thought I could at least not have to pay off interest on the house. This brings my savings down to an unconfortable level, at least for me anyways. And I don’t feel comfortable about my job security either. So, this year I will have to save big time! I am aiming for being able to live for two years of unemployment.

Yeah, I know I could have used that money to invest in something, but I have not have that good of luck with the stock market. I am much more concerned about security and reducing my monthly expenditures right now.